7Baggers
Quarterly
Annual
    Unit: USD2024-03-31 2023-12-31 2023-09-30 2022-12-31 2022-03-31 2020-09-30 2018-06-30 2018-03-31 2017-12-31 2017-09-30 2017-06-30 2017-03-31 2016-12-31 2016-03-31 2015-06-30 2015-03-31 2014-09-30 2013-12-31 2013-03-31 2012-06-30 2012-03-31 2011-09-30 2010-12-31 2010-09-30 2010-06-30 2010-03-31 2009-12-31 2009-09-30 2009-06-30 2009-03-31 2008-12-31 2008-09-30 2008-06-30 2008-03-31 2007-12-31 2007-09-30 2007-06-30 2007-03-31 2006-12-31 2006-09-30 2006-06-30 2006-03-31 2005-12-31 2005-09-30 2005-06-30 2005-03-31 2004-12-31 2004-09-30 2004-06-30 2004-03-31 2003-12-31 2003-03-31 2002-12-31 2002-09-30 
      
    		                                                      
      cash flows from operating activities:
    		                                                      
      net income
    		19,795,000 20,068,000 22,239,000  15,929,000 7,577,000 15,838,000 15,255,000  13,723,000 13,370,000 12,312,000 11,953,000 8,108,000 7,862,000 8,330,000 8,246,000 7,341,000 5,108,000 5,453,000 4,971,000 5,106,000 5,020,000 4,872,000 4,753,000 4,566,000   -12,722,000 3,175,000 889,000 5,856,000 2,880,000 5,540,000 3,295,000 4,799,000 5,524,000 4,370,000 2,123,000 5,107,000 5,055,000 4,692,000 5,158,000 5,358,000 5,137,000 4,568,000 4,656,000 4,552,000 3,718,000 3,569,000 3,996,000 3,543,000 4,036,000 -711,000 
      adjustments to reconcile net income to net cash from operating activities:
    		                                                      
      net amortization of premiums, discounts and deferred loan fees and costs
    		1,136,000  1,271,000  1,271,000 -1,813,000 772,000 1,250,000  1,350,000 1,117,000 1,296,000 1,230,000 757,000 1,135,000 874,000 745,000 1,092,000 1,501,000 1,319,000 1,803,000 1,026,000 1,576,000 713,000 1,068,000 1,047,000 1,556,000 1,218,000 1,020,000 366,000 906,000 693,000 143,000 186,000 750,000 -25,000 149,000 126,000 90,000 135,000 -1,858,000 2,227,000 1,670,000 1,661,000 749,000 513,000 987,000   1,068,000  1,858,000  221,000 
      depreciation and amortization
    		1,509,000 1,381,000 1,511,000  1,665,000 -105,000 1,370,000 1,323,000  1,192,000 1,068,000 1,012,000 1,076,000 878,000 1,065,000 849,000 827,000 855,000 860,000 720,000 715,000 963,000 -42,000 1,038,000 1,019,000 1,046,000 21,000 1,099,000 1,092,000 1,094,000 1,000 1,076,000 1,175,000 1,146,000 12,000 1,217,000 1,208,000 1,177,000 -30,000 1,182,000 1,170,000 1,190,000 -23,000 1,201,000 1,172,000 1,182,000  1,207,000 805,000 756,000  614,000  629,000 
      amortization of intangible assets
    		436,000 500,000 501,000  596,000 466,000 153,000 157,000  104,000 190,000 195,000 202,000 167,000 107,000 111,000 111,000                                      
      amortization of operating lease right-of-use assets
    		999,000 1,572,000 1,003,000  1,021,000                                                  
      benefit for credit losses
    		-2,692,000    6,272,000                                                  
      loans originated for sale
    		-13,782,000 -14,488,000 -16,652,000  -25,379,000 -56,186,000 -13,545,000 -8,473,000  -15,378,000 -13,770,000 -13,427,000 -23,799,000 -14,786,000 -22,673,000 -11,976,000 -7,054,000 -7,593,000                                     
      proceeds from sales of loans held for sale
    		14,186,000 15,580,000 16,312,000  31,462,000 56,984,000 12,153,000 9,175,000  14,513,000                                             
      gain on equity securities
    		129,000                                                      
      income on bank owned life insurance
    		-868,000 -884,000 -815,000  -777,000                                                  
      gains on proceeds from bank owned life insurance policies
    		-24,000  0  -53,000        0                                          
      gains on sales of loans held for sale
    		-305,000 -505,000 -349,000  -1,426,000 -2,016,000 -300,000 -246,000  -478,000 -471,000 -398,000 -405,000 -420,000 -464,000 -265,000 -143,000 -148,000                                     
      gains on other real estate and other repossessed assets
    		-10,000 -4,000 -4,000  -8,000  -21,000 -25,000  -27,000 -161,000 -339,000 6,000 -9,000 -50,000 -94,000 -78,000                                      
      loss on sales of premises and equipment
    		37,000    3,000                                                  
      loss on sale of assets
    		                                                      
      stock-based compensation
    		1,635,000 1,150,000 915,000  1,439,000 587,000 465,000 994,000  416,000 396,000 1,170,000  754,000 345,000 567,000 483,000  185,000 190,000 178,000 158,000  125,000 145,000 132,000  110,000 108,000 108,000  129,000 75,000 45,000                     
      excess tax (deficiencies) benefits
    		-242,000                                                      
      increase in other assets
    		-5,542,000  -28,157,000  -1,860,000 -78,060,000 1,034,000 -2,388,000  -1,108,000 -598,000 -4,074,000 2,594,000 -3,138,000 -1,581,000 -1,954,000 625,000  -109,000  -144,000   1,277,000 4,611,000 2,059,000       -919,000 487,000 -543,000   -450,000 -1,283,000   632,000 -1,193,000 -850,000 548,000 -356,000 -836,000 -369,000 3,323,000 -2,079,000 1,459,000 461,000 2,897,000 1,583,000 
      increase in other liabilities
    		8,214,000 -36,021,000 27,000,000   64,644,000 4,638,000 1,262,000  -1,790,000 -3,479,000 5,467,000  -912,000  410,000  527,000 1,558,000 99,000 1,555,000 3,005,000 -536,000 -710,000 1,193,000 76,000  -9,112,000 -2,787,000 12,567,000     2,776,000 -491,000 407,000 301,000 1,724,000   653,000 -1,235,000 1,945,000 -113,000 831,000    989,000  -625,000 -750,000 648,000 
      net cash from operating activities
    		24,611,000 25,253,000 26,332,000  29,340,000 17,775,000 24,013,000 19,884,000  14,121,000 13,339,000 19,727,000 12,551,000 7,459,000 7,496,000 8,628,000 13,617,000 10,422,000 11,684,000 11,728,000 13,575,000 13,935,000 15,158,000 10,151,000 17,141,000 13,540,000 -6,108,000 -24,045,000 32,145,000 20,547,000 10,788,000 9,874,000 8,087,000 7,967,000 9,360,000 5,019,000 6,749,000 5,838,000 7,162,000 7,745,000 3,148,000 9,287,000 7,971,000 9,613,000 7,720,000 7,493,000 8,714,000 8,020,000 6,844,000 6,089,000 10,274,000 7,965,000 5,315,000 6,741,000 
      cash flows from investing activities:
    		                                                      
      proceeds from repayments and maturities of available for sale securities
    		33,012,000 25,538,000 32,509,000  41,454,000 590,548,000 22,098,000 20,928,000  25,126,000 23,113,000 20,613,000                                           
      proceeds from repayments and maturities of held to maturity securities
    		8,889,000 11,522,000 37,654,000  42,432,000 13,096,000 7,900,000 5,820,000  14,721,000 14,481,000 4,143,000                                           
      purchase of held to maturity securities
    		-700,000 -1,310,000 -7,415,000  -35,648,000 32,075,000 -14,774,000 -18,461,000  -11,403,000 -4,676,000 -5,078,000                                           
      purchase of equity securities
    		-77,000 -99,000 -72,000  -32,000 -819,000 -83,000 -326,000                                               
      death benefit proceeds from bank owned life insurance policy
    		168,000  0  95,000        0                                          
      proceeds from redemptions of federal home loan bank stock
    		62,863,000 55,223,000 58,637,000   94,188,000 2,251,000 688,000  8,465,000 451,000 3,026,000                                           
      purchases of federal home loan bank stock
    		-62,550,000 -54,160,000 -59,114,000  -119,000 -82,259,000    -2,348,000                                             
      net decrease (increase) in loans
    		23,830,000                                                      
      proceeds from sales of other real estate and repossessed assets
    		10,000  5,000  8,000 114,000 773,000 145,000  389,000 730,000 2,853,000  463,000 294,000 559,000 643,000  531,000                                    
      purchases of premises and equipment
    		-825,000 -780,000 -791,000  -944,000 -2,409,000 -1,392,000 -1,354,000  -746,000 -514,000 -810,000 -1,126,000                                          
      net cash from investing activities
    		64,620,000  -130,423,000  44,426,000 -545,982,000 -51,773,000 -90,396,000  -21,996,000 -79,936,000 -179,316,000 -221,941,000 -29,992,000 -69,212,000 -62,237,000 -34,567,000 -67,190,000 -5,157,000 -16,278,000 -18,898,000 -11,953,000 -84,868,000            -109,082,000 -57,420,000 -65,391,000 -45,629,000    30,328,000 -38,822,000 -104,981,000 39,094,000 20,827,000 -128,405,000   5,596,000 -84,978,000 -20,527,000 -53,028,000 -49,458,000 
      cash flows from financing activities:
    		                                                      
      net decrease in deposits
    		-80,772,000                                                      
      increase in federal funds purchased and securities sold under agreements to repurchase
    		-111,195,000 -14,617,000 -209,950,000 371,010,000   71,385,000 1,549,000  15,473,000 33,637,000 28,496,000 26,654,000 -22,393,000 28,898,000 8,416,000 -43,715,000  -22,974,000 -3,495,000 24,322,000 -37,076,000 -16,325,000        9,314,000 -34,830,000 -8,560,000 47,145,000 -4,857,000 -11,153,000 6,438,000 17,805,000                 
      retirement of restricted stock
    		-780,000 0 -15,000 -881,000 -933,000 252,000 0 -744,000  0 -17,000 -756,000 0 -161,000 -20,000 -230,000                                       
      dividends paid
    		-9,520,000 -9,522,000 -9,520,000 -9,505,000 -8,809,000 -8,806,000 -5,509,000 -4,778,000  -4,775,000 -4,776,000 -4,527,000 -4,266,000 -3,525,000 -3,243,000 -2,852,000 -2,866,000  -1,781,000 -1,361,000 -1,506,000 -1,509,000             -2,228,000 -2,214,000 -2,211,000 -1,742,000    -2,107,000 -2,119,000 -2,056,000 -2,061,000 -2,071,000 -2,085,000   -1,596,000 -1,610,000 -1,352,000 -1,308,000 -1,293,000 
      net cash from financing activities
    		-202,267,000  238,374,000  119,373,000 591,885,000 37,537,000 60,614,000  25,110,000 101,873,000 134,194,000 189,840,000 117,659,000 66,077,000 77,498,000 9,151,000 14,235,000 -17,006,000 -5,553,000 19,586,000 -8,389,000 22,393,000 27,263,000 -37,464,000 37,918,000 -42,066,000 57,415,000 53,908,000 18,769,000 56,853,000 3,758,000 19,505,000 35,799,000 59,943,000 100,694,000 51,994,000 15,149,000 -1,213,000 4,710,000 78,443,000 -38,046,000 11,613,000 87,631,000 -22,229,000 -28,461,000 87,208,000 34,615,000   51,139,000 50,335,000 18,798,000 56,845,000 
      net increase in cash and cash equivalents
    		-113,036,000 -33,170,000 134,283,000 -9,813,000 193,139,000 63,678,000    17,235,000 35,276,000 -25,395,000 -19,550,000 95,126,000 4,361,000 23,889,000 -11,799,000 -42,533,000 -10,479,000 -10,103,000 14,263,000     42,022,000    1,126,000 -8,964,000 -2,585,000 -10,584,000 14,721,000 -39,779,000 48,293,000 -6,648,000 -24,642,000 22,075,000 1,374,000 2,131,000 1,569,000 -19,238,000 -7,737,000 24,585,000 -141,000 -32,483,000 11,150,000 21,562,000 9,033,000 -23,565,000 37,773,000 -28,915,000 14,128,000 
      cash and cash equivalents, beginning of period
    		320,655,000  0  228,530,000 139,438,000 0 142,933,000  0 0 175,801,000  118,493,000 0 109,316,000 0  107,545,000 0 72,558,000                                  
      cash and cash equivalents, end of period
    		207,619,000  134,283,000  421,669,000 203,116,000 9,777,000 133,035,000  17,235,000 35,276,000 150,406,000  213,619,000 4,361,000 133,205,000 -11,799,000  97,066,000 -10,103,000 86,821,000 -6,407,000  43,636,000 -47,726,000 100,685,000  2,273,000 -8,159,000 50,902,000  -2,585,000 -10,584,000 71,909,000  48,293,000 -6,648,000 55,322,000  1,374,000 2,131,000 54,384,000  -7,737,000 24,585,000 55,205,000  11,150,000 21,562,000 55,117,000  73,238,000  14,128,000 
      net amortization (accretion) of premiums, discounts and deferred loan fees and costs
    		                                                      
      gains on investment securities transactions
    		                                                      
      gain on death benefits from bank owned life insurance
    		                                                      
      change in fair value of equity securities
    		                                                      
      loss on sale of premises and equipment
    		                                                      
      loss on property held for sale
    		                                                      
      long-term debt extinguishment
    		                                                      
      impairment of property held for sale
    		                                                      
      deferred tax (benefit) expense
    		                                                      
      excess tax benefits
    		 0 1,000    15,000 298,000  0 9,000 573,000   1,000 58,000 5,000 115,000 27,000 0 18,000 0 13,000 5,000   1,000 0 0 1,000 -12,000 3,000 110,000 4,000 15,000 45,000 14,000 29,000                 
      decrease (increase) in other assets
    		                                                      
      net cash acquired in acquisitions
    		    326,236,000        0                                          
      proceeds from sales of available for sale securities
    		         16,000 -15,000 4,499,000                                           
      purchase of available for sale securities
    		    -269,070,000 -713,235,000 -8,211,000 -24,589,000  -46,000 -8,249,000 -105,475,000                                           
      death benefit proceeds from bank owned life insurance
    		                                                      
      net increase in loans
    		 -48,989,000 -191,836,000  -60,109,000                              -103,856,000 -72,163,000 -59,826,000 -64,308,000    -29,932,000 -51,240,000 -51,499,000 -32,027,000 -9,886,000 -28,401,000   -10,239,000 -33,987,000 -7,851,000 -20,362,000 -23,879,000 
      proceeds from sales of loans previously held for investment
    		                                                      
      proceeds from dispositions and sales of bank premises and equipment
    		                                                      
      proceeds from sales of other real estate and other repossessed assets
    		                                                      
      net cash from investing activities:
    		                                                      
      net increase in deposits
    		 -21,232,000  -110,257,000 132,657,000 941,413,000 -47,835,000 79,339,000  129,935,000 -66,020,000 200,739,000 151,296,000 162,738,000 421,000 51,783,000 50,121,000 801,000 17,678,000 -10,728,000 38,475,000 50,183,000 -38,883,000 64,627,000 -32,631,000 45,589,000 13,036,000 55,106,000       16,094,000 93,822,000 7,540,000 9,322,000 10,407,000 56,599,000 31,406,000 -27,953,000 -7,404,000 115,584,000 -47,369,000 10,545,000 25,143,000 18,010,000 73,113,000 17,963,000 -6,409,000 58,999,000 20,359,000 60,713,000 
      proceeds from other borrowings
    		     -14,437,000    112,176,000   0  50,000,000 20,230,000 5,700,000   100,000,000 130,000,000                                  
      net proceeds from issuance of subordinated debt
    		            -42,000                                          
      redemption of subordinated debentures
    		                                                      
      exercise of stock options
    		      59,000 248,000  0 13,000 300,000   20,000 93,000 0 1,500,000    0 164,000 47,000 27,000 389,000 -65,000 4,000 0 6,000 -96,000 128,000 2,740,000 16,000 19,000 194,000 55,000 140,000 113,000 -13,000 331,000 88,000 20,000 1,000 77,000 363,000 44,000 11,000 302,000 299,000 115,000 270,000 25,000 57,000 
      net cash from financing activities:
    		                                                      
      cash and cash equivalents, beginning of year
    		                     0 0 0 0 58,663,000 0 0 0 49,776,000 0 0 0 57,188,000 0 0 0 79,964,000 0 0 0 52,815,000 0 0 0 55,346,000 0 0 0 46,084,000 0 35,465,000 0 0 
      cash and cash equivalents, end of year
    		                                                      
      benefit from credit losses
    		  1,262,000                                                    
      loss on equity securities
    		    485,000                                                  
      proceeds from dispositions and sales of premises and equipment
    		    123,000     376,000 413,000 849,000  10,000                                         
      proceeds from long-term federal home loan bank of new york advances
    		                                                      
      (gain) loss on equity securities
    		                                                      
      loss on sale of asset
    		                                                      
      repayments of other borrowings
    		     -21,060,000 -20,000,000 -15,000,000  -227,699,000 -25,000,000 -90,058,000 -32,798,000 -19,000,000   0 -6,000,000 -10,000,000 -90,000,000 -150,000,000 -5,000,000                                 
      purchase of treasury stock
    		                                  0 0      -2,406,000 -1,258,000 -3,645,000 -3,627,000 -1,568,000 -3,349,000   -181,000 0 -936,000 -1,245,000 -873,000 
      supplemental schedule of non-cash investing and financing activities:
    		                                                      
      cash paid during the period for income taxes
    		                                                      
      cash paid during the period for interest
    		                                                      
      transfer of debt securities to held to maturity at fair value
    		                                                      
      transfer of loans to loans held for sale
    		                                                      
      transfer of loans into other real estate owned
    		                                                      
      right-of-use assets obtained in exchange for new lease liabilities
    		                                                      
      acquisitions:
    		                                                      
      non-cash assets acquired:
    		                                                      
      federal home loan bank stock
    		                                                      
      investment securities available for sale
    		                                                      
      investment securities held to maturity
    		                                                      
      loans held for sale
    		                                                      
      loans
    		                                                      
      fixed assets
    		                                                      
      operating lease right-of-use assets
    		                                                      
      goodwill and other intangible assets
    		                                                      
      bank owned life insurance
    		                                                      
      other assets
    		                                                      
      total non-cash assets acquired
    		                                                      
      liabilities assumed:
    		                                                      
      deposits
    		                                                      
      subordinated debt
    		                                                      
      operating lease liabilities
    		                                                      
      other liabilities
    		                                                      
      total liabilities assumed
    		                                                      
      common stock issued for acquisitions
    		                                                      
      loss (gains) on sales of premises and equipment
    		                                                      
      long-term debt extinguishment costs
    		                                                      
      redemption of subordinated debt
    		                                                      
      excess tax deficiencies
    		    79,000                                                  
      decrease in other liabilities
    		    -1,379,000                                                  
      decrease in federal funds purchased and securities sold under agreements to repurchase
    		    -3,542,000                                     -22,763,000  -22,256,000 21,198,000 -28,945,000    -19,137,000  -6,646,000   
      initial recognition of operating lease right-of-use assets
    		                                                      
      initial recognition of operating lease liabilities
    		                                                      
      investment securities
    		                                                      
      loans, including loans held for sale
    		                                                      
      other borrowings
    		                                                      
      losses on sales of premises and equipment
    		             66,000 -1,000 3,000                                       
      long-term debt prepayment penalty
    		         0 0 2,828,000                                           
      proceeds from sales of loans held for investment
    		                                                      
      repayments of subordinated debt
    		                                                      
      benefit from loan losses
    		                                                      
      gains on sales of securities
    		         0 15,000 -2,539,000 0 -370,000                                         
      change in market value of equity securities
    		     658,000 -51,000 18,000                                               
      (gains) losses on other real estate and other repossessed assets
    		                                                      
      proceeds from sales of equity securities
    		     1,266,000                                                 
      benefit from loan and lease losses
    		      1,492,000 1,284,000  1,827,000 1,827,000 1,218,000 375,000 1,075,000 740,000 870,000 1,194,000 1,687,000 3,183,000 3,877,000 4,556,000 4,058,000 4,544,000 4,857,000 5,001,000 4,879,000 6,438,000 4,718,000 34,083,000 6,376,000 11,032,000 3,273,000 8,158,000 1,267,000 3,914,000 789,000 671,000 602,000 738,000 337,000 319,000 332,000 141,000 304,000 327,000 783,000 926,000 926,000 875,000 875,000 750,000 750,000   
      gains on sales of premises and equipment
    		                  -68,000                                    
      purchase of bank owned life insurance
    		         -17,000,000     0 -4,078,000                                   548,000    
      net increase in loans and leases
    		      -55,471,000 -73,247,000  -39,694,000 -82,392,000 -103,936,000 -79,733,000 -83,387,000 -66,452,000 -37,298,000 -4,812,000 -43,664,000 -27,428,000 -19,201,000 -36,731,000  -33,297,000 1,970,000 7,877,000 4,393,000                             
      (gains) losses on sales of premises and equipment
    		         -178,000 -305,000 -367,000     -69,000                                      
      net decrease in cash and cash equivalents
    		       -9,898,000                                               
      transfer of loans and leases into other repossessed assets and other real estate owned
    		                                                      
      acquisitions of pascack and harmony:
    		                                                      
      investment securities held for maturity
    		                                                      
      cash and cash equivalents
    		                                                      
      securities available for sale
    		                                                      
      securities held to maturity
    		                                                      
      premises and equipment
    		                                                      
      goodwill
    		                                                      
      identifiable intangible assets
    		                                                      
      accrued interest receivable and other assets
    		                                                      
      total assets acquired
    		                                                      
      net assets acquired
    		                                                      
      issuance of stock
    		                                                      
      proceeds from sales of loans
    		           14,800,000 26,152,000 15,289,000 21,387,000 11,235,000 6,077,000 7,436,000                                     
      stock based compensation
    		                                                      
      gains on debt redemption and extinguishment
    		                                                      
      gain on sale of premises and equipment
    		                                                      
      deferred tax benefit
    		                                                      
      proceeds from repayments and maturities of available for sale securities:
    		                                                      
      proceeds from repayments and maturities of held to maturity securities:
    		                                                      
      proceeds from sales of available for sale securities:
    		                                                      
      proceeds from sales of held to maturity securities:
    		                                                      
      purchase of available for sale securities:
    		                                                      
      purchase of held to maturity securities:
    		                                                      
      proceeds from sales of bank premises and equipment
    		                  462,000   311,000                                 
      net proceeds from issuance of common stock
    		                                                      
      gain on debt redemption and extinguishment
    		                                                      
      losses (gains) on sales of premises and equipment
    		                                                      
      net decrease (increase) in federal home loan bank stock
    		             856,000                                         
      early redemption and extinguishment of subordinated debentures
    		                                                      
      cash flows from operating activities
    		                                                      
      gains on proceeds of bank owned life insurance
    		               -332,000                                       
      cash flows from investing activities
    		                                                      
      net cash acquired in acquisition
    		             40,942,000    0                                     
      proceeds from repayments on and maturity of securities:
    		                                                      
      available for sale
    		             22,455,000 18,637,000 19,309,000 16,966,000 14,866,000 20,608,000 26,406,000 36,189,000 78,699,000 39,105,000 45,703,000 38,324,000 37,449,000 50,462,000 39,047,000 22,442,000 35,349,000 29,102,000 16,397,000 29,163,000 33,545,000 10,450,000 17,514,000 11,540,000 18,901,000 21,533,000 23,965,000 20,525,000 20,954,000 24,299,000 24,463,000 27,828,000 45,736,000 36,035,000 36,617,000 43,087,000 37,798,000 22,517,000 47,359,000 46,181,000 33,714,000 
      held to maturity
    		             9,053,000 4,642,000 4,162,000 6,847,000 2,555,000 2,543,000 11,944,000 8,030,000 26,257,000 5,038,000 6,222,000 7,957,000 6,837,000 7,126,000 19,162,000 12,399,000 3,203,000 3,320,000 6,127,000 7,784,000 16,232,000 2,878,000 6,063,000 13,644,000 5,513,000 2,454,000 15,526,000 4,337,000 7,593,000             
      proceeds from sales of securities
    		                                                      
      purchase of securities:
    		                                                      
      proceeds from bank owned life insurance policy
    		              0 772,000                                       
      capital expenditures
    		             -977,000 -1,106,000 -947,000 -848,000 -800,000 -696,000 -3,632,000 -1,906,000 -760,000 -566,000            -242,000 -281,000 -945,000 -844,000    -605,000 -1,593,000 -1,127,000 -1,118,000 -507,000 -602,000   -448,000 -314,000 -314,000 -434,000 -542,000 
      free cash flows
    		             6,482,000 6,390,000 7,681,000 12,769,000 9,622,000 10,988,000 8,096,000 11,669,000 13,175,000 14,592,000            9,118,000 4,738,000 5,804,000 4,994,000    8,682,000 6,378,000 8,486,000 6,602,000 6,986,000 8,112,000   5,641,000 9,960,000 7,651,000 4,881,000 6,199,000 
      cash flows from financing activities
    		                                                      
      gains on securities
    		                0 -333,000 -505,000 -241,000 -32,000 -785,000 -60,000                                
      proceeds from sales of securities:
    		                                                      
      net increase in federal home loan bank and other membership bank stock
    		                                                      
      issuance of stock to dividend reinvestment and stock purchase plan
    		                10,000 41,000 44,000 31,000 77,000 13,000 14,000 13,000 16,000 14,000 11,000    25,000                        
      transfer of loans and leases receivable to other real estate owned and other repossessed assets
    		                                                      
      cash paid for interest
    		                                                      
      cash paid for income taxes
    		                                                      
      acquisition of somerset hills bancorp:
    		                                                      
      fair value for non-cash assets other than goodwill acquired in purchase transaction
    		                                                      
      fair value for liabilities assumed in purchase transaction
    		                                                      
      goodwill related to acquisition
    		                                                      
      common stock issued and fair value of stock options converted to lakeland bancorp stock options
    		                                                      
      gains on sales and calls of securities
    		                                                      
      net increase in federal home loan bank stock
    		              -2,023,000 -910,000 980,000                                      
      proceeds from dispositions of premises and equipment
    		                                      17,000    131,000    40,000    256,000  22,000 -1,000 
      gains on calls of securities
    		                                                      
      gain on early debt extinguishment
    		                                                      
      deferred tax provision
    		                                                      
      early extinguishment of subordinated debentures
    		                                                      
      gains on debt extinguishment
    		                                                      
      gains on leases
    		                     -125,000                                 
      writedown of other repossessed assets
    		                          2,000 0                           
      decrease in other assets
    		                 -471,000    694,000                                 
      proceeds from sales of leases
    		                     0    192,000                             
      proceeds on issuance of stock
    		                                                      
      redemption of preferred stock and common stock warrant
    		                   0 -21,800,000                                  
      dividends paid on preferred stock
    		                                                      
      dividends paid on common stock
    		                                                      
      gains on sales of other real estate and other repossessed assets
    		                  -29,000                                    
      preceeds from issuance of common stock, net of expenses
    		                                                      
      net decrease in federal home loan bank stock
    		                  1,000 -683,000 916,000                                  
      other-than-temporary impairment loss on securities
    		                                                      
      losses (gains) on sales of other assets
    		                     8,000                                 
      proceeds from sales of other repossessed assets
    		                   381,000 154,000 413,000 1,107,000                                
      gains on sales of other assets
    		                    -27,000                                  
      redemption of preferred stock
    		                     0 0                                
      net increase cash and cash equivalents
    		                                                      
      proceeds from maturity of securities available for sale
    		                                                      
      proceeds from maturity of securities held to maturity
    		                                                      
      net decrease in loans and leases
    		                                                      
      (gains) losses on sales of leases held for sale
    		                                                      
      (gains) losses on other repossessed assets
    		                                                      
      proceeds on issuance of preferred stock
    		                                                      
      (gains) losses on held for sale leases
    		                                                      
      (gains) losses on sales of other assets
    		                                                      
      held for sale
    		                       532,000                               
      repayments of long-term debt
    		                                  0 -10,000,000 -20,450,000 -10,405,000    -2,905,000    -6,785,000         
      proceeds on issuance of preferred stock, net of costs
    		                          -1,000 0                           
      gains on held for sale leases
    		                                                      
      proceeds on sales of other repossessed assets
    		                        954,000 1,262,000  1,152,000                           
      proceeds on sales of bank premises and equipment
    		                                                      
      gain on securities
    		                                   0                   
      losses on sales of leases held for sale
    		                                                      
      gain on sale of branch
    		                                  0 0 0 -319,000    -361,000             
      proceeds from long-term debt
    		                                                      
      proceeds from issuance of subordinated debentures
    		                                                      
      (gains) losses on sales of leases
    		                                                      
      losses on sales of other assets
    		                                                      
      sales of leases held for sale
    		                                                      
      issuance of long-term debt
    		                                 50,000,000  30,000,000    30,140,000 0 20,000,000             
      proceeds from the sale of leases held for sale
    		                                                      
      loss on sales of other assets
    		                                                      
      gain on sale of other repossessed assets
    		                                                      
      cash received on sales of other repossessed assets
    		                             2,033,000                         
      proceeds from issuance of preferred stock, net of costs
    		                             58,838,000                         
      (gains) losses on sales of securities
    		                                                      
      loss on other repossessed assets
    		                                                      
      proceeds from sale of branch
    		                                         -7,326,000             
      net increase in other real estate owned
    		                                                    130,000 133,000 
      gain on sale of leases
    		                                                      
      proceeds from the sale of branch premises and equipment
    		                                                      
      net change in other repossessed assets
    		                                                      
      issuance of subordinated debentures
    		                                   0               25,000,000    
      issuance of long- term debt
    		                                                      
      share based compensation
    		                                                      
      deferred income tax
    		                                              741,000 -745,000 420,000 914,000     
      net decrease in other real estate owned
    		                                                   1,000   
      share-based compensation
    		                                   49,000 31,000 31,000                 
      disbursement from sale of branch
    		                                                      
      sale of branch premises and equipment
    		                                    2,000 946,000                 
      gain on sales and calls of securities
    		                                         -78,000  -4,000 -100,000 -28,000    -3,000  -265,000  -812,000 
      benefit from losses on other real estate
    		                                                      
      cash equivalents in excess of cash paid for business acquired
    		                                              1,036,000    -626,000    
      purchase of asset based lending portfolio
    		                                              0        
      proceeds from sale of other real estate owned
    		                                                      
      excess tax benefits from stock based compensation
    		                                       9,000               
      (gain) loss on disposition of equipment
    		                                                      
      deferred income taxes
    		                                                      
      held for maturity
    		                                           9,680,000 7,583,000 10,725,000  16,585,000 6,003,000 3,231,000  3,808,000 3,195,000 2,991,000 
      proceeds from other real estate owned
    		                                                      
      issuance (repayments) of long-term debt
    		                                                      
      loss on disposition of equipment
    		                                                      
      advances (repayments) of long-term debt
    		                                                      
      depreciation
    		                                                      
      proceeds from (repayments of) long-term repurchase agreements
    		                                                      
      (gain) loss on disposition of premises and equipment
    		                                               0       
      repayment of long-term debt
    		                                                      
      adjustments to reconcile net income to net cash
    		                                                      
      provided by operating activities:
    		                                                      
      net amortization of premiums, discounts and deferred loan
    		                                                      
      fees and costs
    		                                                      
      proceeds from sales of securities available for sale
    		                                                   16,249,000  12,963,000 
      proceeds from dispositions of premises and
    		                                                      
      equipment
    		                                                      
      net cash provided by
    		                                                      
      investing activities
    		                                                      
      decrease in federal funds purchased and
    		                                                      
      securities sold under agreements to repurchase
    		                                                      
      see accompanying notes to consolidated financial statements
    		                                                      
      net cash from (used) in) financing activities
    		                                                 -2,652,000     
      proceeds from long-term repurchase agreements
    		                                                      
      gain on disposition of premises and equipment
    		                                                      
      benefit from income taxes
    		                                                   1,629,000   
      increase in long-term debt
    		                                                     0 
      loss on other real estate owned
    		                                                      
      (gain) loss on sale of securities
    		                                                      
      sales of loans and participation interest in loans
    		                                                      
      purchase of leasing company
    		                                                      
      repayments of long-term debt principal
    		                                                      
      increase in securities sold under agreements to repurchase
    		                                                     -1,759,000 
      benefit from possible loan losses
    		                                                      
      gain on other real estate owned
    		                                                      
      (gain) loss on dispositions of premises and equipment
    		                                                      
    The information provided in this report is taken from www.sec.gov and many other data providers. While we have conducted our best efforts to ensure that the parsed data is accurate, we cannot guarantee its accuracy. Please use caution and understand that any consequences of its use are your own responsibility.