LOB Stock Cash Flow Statements

Live Oak Bancshares Quarterly Cash Flow Statements Chart

Quarterly

Annual

Operating Cash Flow

Financing Cash Flow

Live Oak Bancshares Quarterly Cash Flow Statements Table

Quarterly

Annual

Unit: USD	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30	2023-06-30	2023-03-31	2022-12-31	2022-09-30	2022-06-30	2022-03-31	2021-12-31	2021-09-30	2021-06-30	2021-03-31	2020-12-31	2020-09-30	2020-06-30	2020-03-31	2019-06-30	2019-03-31	2018-12-31	2018-09-30	2018-06-30	2018-03-31	2017-12-31	2017-09-30	2017-06-30	2017-03-31	2016-12-31	2016-09-30	2016-06-30	2016-03-31	2015-12-31	2015-09-30

cash flows from operating activities
net income	23,387,000	9,668,000	9,843,000	13,025,000	26,963,000	27,586,000	16,163,000	39,793,000	17,544,000	398,000	1,792,000	42,868,000	97,039,000	34,509,000	30,147,000	33,839,000	63,582,000	39,427,000	29,588,000	33,780,000	3,777,000	-7,602,000	4,935,000	2,372,000	10,490,000	14,252,000	14,253,000	12,453,000	71,730,000	12,862,000	9,795,000	6,112,000	5,480,000	3,478,000	123,000	4,683,000	5,714,000	2,899,000
adjustments to reconcile net income to net cash from operating activities:
depreciation and amortization	6,784,000	6,974,000	6,651,000	6,307,000	5,343,000	4,981,000	5,330,000	5,494,000	5,254,000	5,193,000	5,153,000	5,073,000	5,148,000	5,405,000	5,472,000	5,328,000	5,301,000	5,265,000	5,143,000	5,351,000	5,573,000	5,621,000	5,067,000	4,034,000	4,377,000	4,186,000	4,037,000	3,786,000	3,259,000	2,958,000	2,354,000	1,708,000	1,059,000	1,092,000	1,044,000	1,065,000	1,518,000	896,000
benefit from credit losses	23,252,000	28,964,000	33,581,000	34,502,000
accretion of discount on securities	-147,000	-83,000
deferred tax benefit	166,000	-1,009,000		-8,711,000	6,610,000	-6,888,000
originations of loans held for sale	-347,995,000	-349,091,000	-293,188,000	-277,281,000	-263,049,000	-203,956,000	-234,361,000	-217,281,000	-233,975,000	-191,466,000	-254,428,000	-291,934,000	-273,142,000	-222,557,000	-301,474,000	-407,987,000	-401,119,000	-253,588,000	-262,939,000	-436,472,000	-209,063,000	-274,678,000	-249,016,000	-206,440,000	-252,994,000	-205,188,000	-318,768,000	-302,522,000	-264,876,000	-252,327,000	-302,424,000	-329,990,000	-312,228,000	-230,120,000	-215,218,000	-256,077,000	-294,391,000	-267,965,000
proceeds from sales of loans held for sale	502,187,000	422,294,000	427,521,000	425,923,000	319,109,000	258,708,000	377,516,000	335,981,000	331,727,000	317,579,000	271,472,000	266,297,000	180,625,000	349,364,000	297,330,000	338,019,000	274,188,000	182,685,000	267,805,000	215,882,000	188,366,000	203,340,000	88,050,000	80,931,000	120,538,000	352,165,000	336,632,000	277,279,000	235,066,000	181,991,000	238,642,000	227,667,000	282,638,000	232,444,000	150,110,000	172,638,000	236,750,000	190,197,000
net gains on sale of loans held for sale	-21,641,000	-18,648,000	-18,356,000	-16,646,000	-14,395,000	-11,502,000	-12,891,000	-12,675,000	-10,804,000	-10,175,000	-7,362,000	-9,275,000	-5,630,000	-20,977,000	-20,257,000	-18,860,000	-16,234,000	-11,929,000	-14,976,000	-12,690,000	-10,695,000	-11,112,000	-6,015,000	-4,198,000	-5,687,000	-22,004,000	-23,061,000	-24,418,000	-23,314,000	-18,148,000	-18,176,000	-18,952,000	-22,513,000	-21,833,000	-14,555,000	-16,425,000	-20,781,000	-15,424,000
net income on impairment or sale of foreclosed assets	-22,000	34,000
net (gains) loss on loans accounted for under fair value option
net change in servicing assets	-3,448,000	-767,000	-3,591,000	-1,025,000	-2,185,000	-752,000
net gain on disposal of long-lived assets
net income on disposal of property and equipment				0				-25,000	0	402,000										0	0	38,000
equity method investments loss	2,716,000	2,239,000	2,739,000	1,393,000	1,767,000	5,022,000	-47,000	1,034,000
equity security investments (gains) losses			-12,000						-121,000	-77,000	-868,000	-876,000	-1,655,000	44,000	-218,000	-176,000	-44,253,000	-105,000	-107,000	-14,705,000
gain on equity warrant assets	115,000	304,000	157,000	127,000
renewable energy tax credit investment impairment							14,575,000	0	0	69,000	8,446,000	7,721,000			0	60,000	0	3,127,000
restricted stock compensation expense	6,945,000	6,667,000	6,492,000	6,614,000	6,793,000	6,306,000	5,172,000	83,000	6,308,000	6,040,000	5,216,000	4,780,000
stock based compensation excess tax (deficiency) benefit	-68,000	-156,000
lease right-of-use assets and liabilities	21,000	-14,000	-16,000	-29,000	206,000	-11,000	-7,000	-22,000	-13,000	-17,000	-20,000	-317,000	581,000	-12,000	-23,000	-1,000	-1,000	-1,000	0	41,000	13,000	-12,000	-12,000	114,000
changes in assets and liabilities:
other assets	10,824,000	4,464,000	-7,369,000	8,621,000	-13,837,000	301,000	-2,015,000	17,142,000	13,836,000	6,593,000	-28,266,000	23,394,000	-7,922,000	-3,095,000	-2,522,000	-350,000	3,771,000	855,000	-49,689,000	-2,243,000	7,579,000	-31,962,000	3,926,000	9,778,000	-9,709,000	3,287,000	4,620,000	-12,065,000	-7,586,000	-8,198,000	-10,862,000	1,399,000	-8,071,000	443,000	-1,817,000	516,000
other liabilities	3,811,000	-7,901,000	7,868,000	4,052,000	6,049,000	45,000	4,903,000	-6,466,000	-564,000	6,097,000	-8,478,000	-7,775,000	11,107,000	-1,260,000	-1,929,000	2,464,000	5,221,000	-5,406,000	-1,249,000	-13,619,000	23,379,000	-6,493,000	759,000	-605,000	-4,204,000	1,756,000	-214,000	1,123,000	-3,718,000	3,030,000	2,796,000	-1,951,000	-1,425,000	2,174,000	624,000	-146,000
net cash from operating activities	208,169,000	104,977,000	170,685,000	191,014,000	83,876,000	90,893,000		154,887,000	136,482,000	158,456,000
cash flows from investing activities
purchases of investment securities available-for-sale	-49,972,000	-76,965,000	-80,515,000	-79,287,000	-63,653,000	-46,176,000	-16,919,000	-23,966,000	-28,680,000	-146,030,000	-37,288,000
proceeds from maturities, calls, and principal paydowns of investment securities available-for-sale	45,730,000	31,842,000
proceeds from sale of foreclosed assets																																					161,000	22,000
purchases of loans previously sold	-21,650,000	-23,607,000	-49,479,000
loan and lease originations and principal collections	-459,490,000	-524,894,000	-493,702,000	-728,355,000	-362,247,000	-251,138,000	-385,548,000	-550,732,000	-234,062,000	-455,742,000	-521,880,000	-297,099,000	-206,429,000	-243,463,000	-158,651,000	129,334,000	158,111,000	-119,970,000	-90,395,000	-374,213,000	-1,784,857,000	-152,559,000	-144,489,000	-113,539,000	-113,528,000	-114,372,000	-126,355,000	-91,388,000	-112,050,000	-81,483,000	-100,640,000	-91,378,000
proceeds from sale of long-lived asset				20,957,000												0	0	8,988,000					0	10,895,000
purchases of equity security investments	-1,038,000	-3,433,000	-3,069,000	-275,000	-397,000	-3,279,000	-31,000	-2,153,000	-331,000	-875,000	-70,000
purchases of equity method investments	-2,636,000	-424,000	-2,032,000	-4,554,000	-437,000	-1,435,000	-22,115,000	-771,000	-3,202,000	-1,121,000	-5,777,000
proceeds from sale of equity security investments	199,000	160,000
proceeds from sale of equity method investments	256,000	129,000					734,000				710,000
proceeds from sale of premises and equipment	4,139,000	222,000	65,000	0	0	978,000	0								0	0	0	84,000	0						0
purchases of premises and equipment	-1,425,000	-2,294,000	-4,018,000	-6,407,000	-17,206,000	-21,676,000	-21,608,000	-8,263,000	-6,563,000	-10,405,000	-8,120,000	-7,400,000	-8,195,000	-20,036,000	-1,418,000	-432,000	-558,000	-674,000	-19,676,000	-117,000	-459,000	-737,000	-14,508,000	-13,315,000	-23,491,000	-26,614,000	-19,532,000	-41,685,000	-52,719,000	-7,938,000	-25,822,000	-37,660,000	-9,695,000	-761,000	-182,000	-251,000	-1,157,000	-6,227,000
net cash used by investing activities	-485,060,000	-599,264,000	-586,223,000	-828,596,000	-385,584,000	-278,698,000	-388,495,000	-548,651,000	-244,922,000	-592,854,000			-203,617,000	-253,206,000			136,908,000	-154,604,000	-89,632,000	-358,493,000	-1,980,118,000	-179,226,000	-150,040,000	-301,407,000	-143,328,000	-132,398,000	-154,295,000	-420,564,000
cash flows from financing activities
net increase in deposits	198,845,000	635,451,000	359,947,000	693,516,000	323,670,000	108,342,000	271,377,000	124,531,000	457,117,000	537,066,000	480,019,000	249,165,000	518,581,000	525,119,000	295,431,000	295,780,000	204,829,000	603,176,000	6,784,000	-167,248,000	1,233,286,000	413,026,000	193,192,000	378,822,000	225,295,000	-44,948,000	-4,105,000	713,078,000	247,372,000	141,170,000	232,578,000	154,067,000	82,059,000	262,220,000	125,332,000	210,677,000	42,160,000
proceeds from borrowings	41,000	43,000	44,000	197,000	48,000	99,414,000	15,000	17,000	750,019,000	2,156,020,000	50,022,000	23,000	25,000	12,026,000	8,028,000	29,000	96,125,000	498,666,000	20,000,000	26,067,000	1,731,966,000	50,000,000
repayment of borrowings	-2,629,000	-2,616,000	-2,595,000	-2,571,000	-2,545,000	-2,526,000	-2,508,000	-2,487,000	-752,469,000	-2,208,456,000	-2,435,000	-50,616,000	-110,727,000	-133,404,000	-260,767,000	-437,439,000	-548,155,000	-580,291,000	-224,990,000	-13,000	-60,949,000	-2,000
stock option exercises	788,000	758,000	366,000	539,000	277,000	1,129,000	242,000	262,000	297,000	367,000	468,000	497,000	434,000	719,000	1,301,000	693,000	951,000	1,213,000	2,516,000	147,000	148,000	258,000	158,000	14,000	39,000	335,000	561,000	691,000	424,000	146,000	270,000	186,000	254,000	40,000	59,000	48,000	24,000
employee stock purchase program	0	659,000	0	747,000	0	702,000	0	765,000	0	631,000	1,000	532,000	0	534,000	0	374,000	0	296,000	0	288,000	0	232,000	0	182,000	0	177,000	0	165,000	0	204,000	0	241,000
tax withholding related to vesting of restricted stock and other	-293,000	-3,178,000
shareholder dividend distributions	-1,369,000	-1,367,000	-1,356,000	-1,354,000	-1,350,000	-1,345,000	-1,336,000	-1,333,000	-1,330,000	-1,327,000	-1,320,000	-1,319,000	-1,315,000	-1,312,000	-1,306,000	-1,301,000	-1,297,000	-1,282,000	-1,264,000	-1,217,000	-1,216,000	-1,209,000	-1,206,000	-1,205,000	-1,205,000	-1,204,000	-1,201,000	-1,199,000	-1,196,000	-1,196,000	-692,000	-692,000	-685,000	-684,000	-342,000	-1,026,000	-510,000
net cash from financing activities	195,383,000	629,750,000	357,753,000	688,718,000	319,763,000	202,659,000	266,015,000	120,407,000	453,385,000	480,948,000	526,236,000	196,920,000	406,801,000	400,788,000	40,087,000	-142,368,000	-253,260,000	510,491,000	-245,948,000	-142,102,000	2,903,174,000	462,257,000	192,014,000	377,759,000	224,032,000	-47,732,000	-5,033,000	689,349,000	246,292,000	218,056,000	253,756,000	161,704,000	81,397,000	261,477,000	124,951,000	209,595,000	27,970,000
net increase in cash and cash equivalents	-81,508,000	135,463,000	-57,785,000	51,136,000	18,055,000	14,854,000	47,766,000	-273,357,000	344,945,000	46,550,000	13,266,000	-228,817,000	124,416,000	304,021,000	-143,284,000	-91,790,000	-196,718,000	317,222,000	-316,430,000	-713,396,000	935,238,000	191,511,000	-102,422,000	-30,956,000	-51,742,000	-24,376,000	-135,011,000	232,681,000	34,364,000	53,534,000	48,486,000	-79,121,000	-117,477,000	179,979,000	-51,050,000	123,949,000	-27,274,000
cash and cash equivalents, beginning	0	608,800,000	0	0	0	582,540,000	0	0	0	416,636,000	0	0	0	203,750,000	0	0	0	318,320,000	0	0	-2,142,000	223,539,000	0	316,823,000	0	0	0	295,271,000	0	0	0	238,008,000	0	0	0	102,607,000	0
cash and cash equivalents, ending	-81,508,000	744,263,000	-57,785,000	51,136,000	18,055,000	597,394,000	47,766,000	-273,357,000	344,945,000	463,186,000	13,266,000	-228,817,000	124,416,000	507,771,000	-143,284,000	-91,790,000	-196,718,000	635,542,000	-316,430,000	-713,396,000	933,096,000	415,050,000	-102,422,000	285,867,000	-51,742,000	-24,376,000	-135,011,000	527,952,000	34,364,000	53,534,000	48,486,000	158,887,000	-117,477,000	179,979,000	-51,050,000	226,556,000	-27,274,000
supplemental disclosures of cash flow information
interest paid	115,650,000	112,098,000	115,377,000	111,659,000	107,167,000	102,644,000	97,675,000	91,367,000	84,697,000	69,027,000	50,541,000	32,125,000	19,587,000	15,263,000	14,998,000	16,159,000	17,218,000	18,469,000	19,902,000	22,502,000	25,539,000	23,858,000	21,554,000	17,837,000	15,508,000	14,290,000	13,940,000	10,368,000	7,463,000	7,069,000	6,022,000	4,836,000	4,396,000	3,940,000	3,490,000	2,690,000	2,339,000
income tax paid	7,049,000	172,000	12,431,000	3,588,000	20,960,000	1,928,000	3,614,000	-3,544,000	5,051,000	182,000	7,580,000	10,350,000	6,770,000	8,000		7,503,000	8,689,000	354,000			98,000	362,000						251,000
supplemental disclosures of noncash investing and financing activities
unrealized holding gains on investment securities available-for-sale, net of taxes	6,184,000	14,646,000	-21,149,000			-6,518,000				7,923,000
transfers from loans and leases to foreclosed real estate and other repossessions or sba receivable	15,246,000	3,648,000	6,325,000	8,226,000	45,000	2,080,000			7,793,000	7,115,000	3,616,000	3,602,000	4,586,000	6,692,000	2,564,000	945,000
net transfers between foreclosed assets and sba receivable
transfer from premises and equipment, net to other assets				0	0	18,540,000
transfer of loans held for sale to loans and leases held for investment	203,540,000	205,385,000	28,589,000	31,666,000	13,664,000	94,384,000	209,674,000	8,882,000	21,110,000	35,742,000	86,973,000	754,724,000	18,266,000	70,649,000	21,221,000	183,153,000	258,037,000	176,285,000	117,528,000	80,451,000	62,769,000	35,233,000	96,250,000	50,055,000		23,411,000	8,061,000	11,713,000
transfer of loans and leases held for investment to loans held for sale	327,189,000	283,718,000	135,446,000	161,639,000	114,974,000	63,508,000	158,321,000	174,787,000	144,198,000	139,883,000	111,613,000	128,724,000	117,253,000	110,452,000	91,193,000	90,982,000	132,438,000	24,260,000	308,000	74,085,000	19,999,000	2,949,000	14,476,000	8,845,000		38,366,000	44,843,000	6,771,000
transfer from retained earnings to other assets for pro rata portion of equity method investee stock compensation expense	176,000	98,000	197,000	183,000	252,000	249,000	231,000	263,000	292,000	286,000	247,000	208,000	71,000	136,000	183,000	320,000	1,349,000	1,508,000
accrued premises and equipment additions				-896,000	-1,778,000	2,971,000																			-9,984,000
equity method investment commitments			-19,366,000	-500,000	500,000	1,008,000	-6,000	0	0	7,721,000	2,290,000	4,166,000	-405,000	10,971,000
equity security investment commitments			-3,083,000	1,500,000						500,000	0	-21,000	-85,000	500,000	-5,000	0	750,000	1,500,000
net income on loans accounted for under fair value option		1,034,000			-172,000	219,000
net gain on disposal of property and equipment		24,000										9,000
equity security investments losses (gains)		-20,000			-161,000	529,000	384,000															64,000
renewable energy tax credit investment recovery
amortization of (discount) premium on securities, net of accretion
deferred tax (benefit) expense							-8,997,000	-3,441,000	-4,182,000	-5,541,000								-3,984,000	-9,912,000				215,000	-632,000	-3,544,000								-3,778,000	947,000
net (gain) loss on impairment and sale of foreclosed assets
net (gain) loss on loans accounted for under fair value option			-195,000												66,000	1,030,000	-1,135,000	-4,218,000
net gain on sale or disposal of long lived asset
net income on disposal of premises and equipment																									0				2,000	0	0	213,000
impairment on premises and equipment															0	0	0	904,000	244,000
stock option compensation expense							0	135,000	4,000	133,000	56,000	261,000
stock based compensation excess tax benefit			356,000	-259,000	99,000	889,000					-345,000	-230,000	-13,000	1,119,000		452,000	3,278,000	5,152,000
business combination contingent consideration fair value adjustment																									0	0	0	-260,000	1,600,000	0	150,000	200,000
proceeds from sales, maturities, calls, and principal paydowns of investment securities available-for-sale
proceeds from sba reimbursement/sale of foreclosed assets			7,739,000	0							1,405,000	99,000	0	333,000	244,000	3,401,000	2,989,000	152,000	999,000	2,257,000	1,413,000	613,000	0	393,000
maturities of certificates of deposit with other banks																									250,000	1,500,000	0	750,000	250,000	2,500,000	250,000	1,250,000	500,000	1,000,000	500,000	1,250,000
proceeds from sale of long lived asset
withholding cash issued in lieu of restricted stock and other			-3,176,000	-2,356,000	-337,000	-3,057,000	-1,775,000	-1,348,000	-249,000	-3,353,000	-519,000	-1,362,000	-197,000	-2,894,000	-1,647,000
contributions of non-controlling interest
supplemental disclosure of cash flow information
supplemental disclosures of noncash operating, investing, and financing activities
net transfers between foreclosed real estate and sba receivable											-154,000	84,000	-17,000	72,000	0	-1,793,000	-46,000	196,000	136,000	86,000	0	30,000
transfer asset from premises and equipment, net to held for sale assets
change related to accounting change for asu 2022-02
amortization of (discount) premium on securities				-134,000	-142,000	-355,000
net income on sale of foreclosed assets				0										17,000				24,000				49,000			19,000	18,000			29,000	27,000			-43,000	60,000
renewable energy tax credit investment (recovery) impairment				115,000	170,000	-927,000
proceeds from maturities, calls, and principal paydown of investment securities available-for-sale				35,715,000	34,186,000	43,493,000		30,006,000	27,916,000	21,319,000
maturities of certificates of deposits with other banks												0	0	500,000		0
proceeds from equity security investment				220,000
proceeds from equity method investments				814,000
net gain on disposal of long-lived asset																0	0	-114,000					0	-357,000
unrealized holding losses on investment securities available-for-sale, net of taxes								-20,740,000
benefit from loan and lease credit losses						16,364,000	8,995,000	10,279,000	13,028,000	19,021,000	19,671,000	14,169,000			3,918,000	4,319,000			8,634,000	10,274,000	9,958,000	11,792,000
net (gain) loss on disposal of property and equipment						-4,000										0	0	-48,000
(gain) loss on equity warrant assets						-5,662,000
proceeds from sale of equity security investment						535,000									0	0
adjustments to reconcile net income to net cash provided (used) by operating activities:
amortization of premium on securities, net of accretion							-55,000	-69,000	-39,000	171,000	401,000	641,000	957,000	1,421,000	1,456,000	1,516,000	1,672,000	1,817,000	1,581,000	1,142,000	367,000	269,000	149,000	105,000	226,000	223,000	200,000	153,000	105,000	136,000	109,000	110,000	107,000	56,000	49,000	30,000	30,000	12,000
net gain on impairment and sale of foreclosed assets
net gain on loans accounted for under fair value option							170,000			4,529,000		-4,420,000	4,461,000	-516,000					4,759,000	-3,403,000	1,089,000	10,638,000
net gain on disposal of premises and equipment																																					1,000
net cash provided (used) by operating activities											26,157,000	20,657,000	-78,768,000	156,439,000											-132,446,000
repurchase and retirement of shares
transfer aircraft from premises and equipment, net to held for sale assets																			8,874,000
net increase in servicing assets								-16,085,000	-1,685,000	-3,034,000				-2,712,000		2,998,000	778,000	-3,826,000								3,428,000	431,000	-822,000	1,094,000	283,000	-91,000	-1,590,000	-2,265,000	-1,275,000	-1,077,000	-3,147,000	-3,640,000	-607,000
stock based compensation excess tax (shortfall) benefit								-341,000	-163,000	-411,000
transfers from loans and leases to foreclosed assets or sba receivable
transfer aircraft from premises and equipment, net to other assets
equity method investments (income) loss										2,952,000	1,818,000	-29,136,000	-119,056,000	2,124,000	-2,969,000	1,250,000	2,278,000	1,157,000	8,739,000	1,231,000	2,243,000	2,478,000
deferred tax expense											9,871,000	-181,000	10,664,000	6,775,000	15,315,000	3,012,000						1,264,000					491,000	316,000	11,604,000	-1,014,000	-619,000	2,046,000				739,000	0	89,000
net (gain) loss on sale of foreclosed assets																				-7,000
net decrease in servicing assets																					-302,000	1,833,000
gain on sale of investment securities available-for-sale																			0	-1,225,000
net (gain) loss on sale or disposal of long lived asset
business combination, net of cash acquired																			0	0									0	-12,000	-101,000	-7,583,000
business combination:
assets acquired																			0	0									0	0	0	5,766,000
liabilities assumed																			0	0									0	0	0	4,681,000
goodwill recorded																			0	0									0	12,000	101,000	7,165,000
net gain on sale of foreclosed assets												8,000				-698,000
net decrease (increase) in servicing assets												-420,000											2,637,000	3,317,000
proceeds from sales, maturities, calls, and principal paydown of investment securities available-for-sale
net cash (used) provided by investing activities
recording of secured borrowing																0	-1,500,000	5,493,000
purchases of securities available-for-sale													-162,448,000	-37,837,000	-110,535,000	-104,776,000	-104,712,000	-108,223,000	-52,942,000	-50,420,000	-240,068,000	-52,757,000	-7,445,000	-198,384,000	-19,762,000	-10,834,000	-23,542,000	-293,046,000	-30,062,000	-6,606,000	-6,384,000	-19,000	-12,475,000	-10,147,000	-12,356,000	-2,443,000	-9,490,000	-9,512,000
proceeds from sales, maturities, calls, and principal paydown of securities available-for-sale													48,132,000	47,297,000		53,123,000	65,578,000	65,039,000		63,996,000	44,748,000	26,214,000	16,402,000	12,543,000
proceeds from sale of equity method investment
unrealized holding losses on available-for-sale securities, net of taxes													-22,777,000	-38,452,000														-2,245,000
benefit from (recovery of) loan and lease credit losses														1,836,000
stock option based compensation expense														391,000	298,000	384,000	353,000	344,000	361,000	461,000	406,000	366,000	400,000	470,000	403,000	501,000	346,000	463,000	290,000	572,000	468,000	456,000	597,000	579,000	581,000	592,000	551,000	431,000
restricted stock expense														4,563,000	3,806,000	3,329,000	3,767,000	4,670,000	4,877,000	2,794,000	2,933,000	2,542,000	2,516,000	2,388,000	1,720,000	1,988,000	1,869,000	1,886,000	1,507,000	1,442,000	1,421,000	1,347,000	3,831,000	3,484,000	2,342,000	67,000	65,000	67,000
adjustments to reconcile net income to net cash used by operating activities:
net (gain) loss on disposal of premises and equipment
stock based compensation expense excess tax benefit
net cash used by operating activities															29,386,000	-30,072,000	-80,366,000	-38,665,000		-212,801,000	12,182,000	-91,520,000	-144,396,000	-107,308,000			24,317,000	-36,104,000	-31,301,000	-73,753,000	-74,778,000	-107,697,000	-47,489,000	-4,049,000	-76,526,000	-93,886,000	-69,022,000	-87,317,000
proceeds from sales, maturities, calls, and principal paydowns of securities available-for-sale																									19,818,000	17,086,000	14,922,000	4,805,000		2,720,000	2,205,000	2,262,000		6,446,000	1,428,000	890,000		8,742,000
income tax paid (received)																			2,437,000
unrealized holding gains on available-for-sale securities, net of taxes															-6,119,000	-5,058,000	3,995,000	-12,379,000	-3,398,000	-398,000	7,554,000	6,025,000	11,884,000	2,670,000		-1,592,000				-103,000	180,000	-45,000	-782,000	-71,000	154,000	239,000	-279,000
right-of-use assets obtained in exchange for lessee operating lease liabilities																							0	2,241,000
net cash provided (used) by investing activities																																					13,778,000
withholding cash issued in lieu of restricted stock																	-5,713,000	-11,287,000		-126,000	-61,000	-48,000	-81,000	-5,000	-48,000	-213,000	-184,000	-311,000	0	-63,000	0	-4,828,000
(recovery of) benefit from loan and lease credit losses																		-873,000
loss on sale of investment securities available-for-sale
transfers from loans and leases to foreclosed real estate and other repossessions																		402,000	2,055,000	0	270,000	1,764,000				0	108,000	238,000
adjustments to reconcile net income to net cash (used) provided by operating activities:
impairment expense on goodwill and other intangibles																									0
net cash (used) provided by operating activities
sale of title insurance business, net of cash sold																									0
investment in certificates of deposit with other banks
loans to finance sale of other assets																									0
stock based compensation expense tax shortfall																				-44,000	-59,000	-34,000
gain on sale of securities available-for-sale																						79,000
benefit from loan and lease losses																							3,463,000	2,742,000			2,087,000	4,392,000
change in discount on unguaranteed loans
gain on contribution to equity method investment
stock based compensation expense excess tax (shortfall) benefit
lease right-of-use assets
proceeds from sale/collection of foreclosed assets																									135,000	180,000			1,448,000					589,000	39,000	52,000
sale of common stock, net of issuance costs																													0
income tax (received) paid																								-13,654,000
net transfers (to) from foreclosed real estate to sba receivable
transfer from fixed assets to other assets held for sale
purchase price																													0	12,000	101,000	8,250,000
stock based compensation expense tax (shortfall) benefit																							-68,000	-8,000
proceeds from long term borrowings																									0	0	0	18,000	0	0							0
repayment of long term borrowings																							-1,000	-1,000	-1,000	-1,879,000	-104,000	-23,093,000	-308,000	-25,301,000	-300,000	-370,000	-231,000	-99,000	-98,000	-104,000	-13,704,000
repayment of short term borrowings																							-48,000	-48,000					0	-10,000,000							0
income tax received
net transfers from sba receivable to foreclosed real estate																										-98,000
amortization of discount on unguaranteed loans																								-1,319,000	-2,514,000	1,781,000	1,383,000	2,118,000	1,585,000
transfers from loans to foreclosed real estate and other repossessions																								707,000					743,000	168,000	437,000	58,000	0	0	0	406,000	1,916,000
stock based compensation expense excess tax benefits																									-9,000	86,000	10,000	14,000	-71,000	199,000	0	874,000
proceeds from short term borrowings																													0	0	10,000,000	13,100,000
income tax																													-10,000	-782,000	5,048,000	2,828,000	2,499,000	2,963,000	595,000	2,181,000	1,014,000
net transfers from foreclosed real estate to sba receivable
transfer of loans held for sale to loans held for investment																													57,930,000	1,564,000	493,000	3,656,000	245,000	3,059,000	322,500,000	13,763,000	1,623,000
transfer of loans held for investment to loans held for sale																													544,000	580,000	16,768,000	1,642,000	0	448,000	1,096,000	752,000	1,114,000
contingent consideration in acquisition of controlling interest in equity method investment
transfers from short term borrowings to long term borrowings																													0	0
transfers from long term borrowings to short term borrowings
net benefit from loan and lease losses
income tax (refunds) payments																										159,000
gain on sale of investment in non-consolidated affiliate																																					0	0
equity in loss of non-consolidated affiliates																																					0	0
proceeds from sale of investment in non-consolidated affiliate																																					0	0
net cash acquired in consolidation of equity method investment																																					0	0
capital contribution from non-controlling interest																																					0	0
transfers from foreclosed real estate to sba receivable																																	89,000	87,000			-152,000
transfers of loans accounted for as secured borrowing collateral to other assets																																					0
dividends declared but not paid
benefit from loan losses																														2,426,000	1,556,000	1,499,000	3,844,000	3,806,000	3,453,000	1,433,000		1,212,000
net cash from investing activities																														-90,769,000	-130,492,000	-133,128,000		-77,449,000	-99,475,000	8,240,000
amortization (accretion) of discount on unguaranteed loans																															100,000	1,155,000		617,000	10,000	146,000
amortization (accretion) of discount (premium) on unguaranteed loans																																					1,496,000
(gain) loss on sale of securities available-for-sale
stock grants
capital investments in non-consolidated affiliates
loan originations and principal collections																																	-140,381,000	-74,576,000	-88,904,000	8,742,000	17,640,000	-17,417,000
sale of common stock																																					0
conversion of convertible subordinated debt into common stock
contingent consideration in acquisition of controlling interest in equity method of investment																																					0
non-cash dividend
benefit from (recovery of) loan losses
gain on deconsolidation of subsidiary
non-cash basis recovery in deconsolidation of subsidiary
repurchase of common stock
loans to facilitate the sale of foreclosed assets
conversion of receivable to equity investment in ncino
issuance of common stock on acquisition
accounts receivable and other assets																																						923,000
accrued expenses and other liabilities																																						-377,000
investment in certificates of deposit
investments in non-consolidated affiliates
net gains on sale of foreclosed assets
see notes to consolidated financial statements

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