Metropolitan Bank Holding Corp(NYSE:MCB) 
Metropolitan Bank Holding Corp. operates as the bank holding company for Metropolitan Commercial Bank that provides a range of business, commercial, and retail banking products and services to small businesses, middle-market enterprises, public entities, and individuals in the New York metropolitan ...
Website: http://www.metropolitanbankny.com
Founded: 1997
Full Time Employees: 174
Sector: Financial Services
Industry: Banks-Regional
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| Unit: USD | 2025-12-31 | 2025-09-30 | 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 | 2019-12-31 | 2019-09-30 | 2019-06-30 | 2019-03-31 | 2018-12-31 | 2018-09-30 | 2018-06-30 | 2018-03-31 | 2017-12-31 | 2017-09-30 |
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assets | ||||||||||||||||||||||||||||||||||
cash and due from banks | 12,086,000 | 13,109,000 | 13,577,000 | 18,572,000 | 13,078,000 | 16,674,000 | 18,152,000 | 34,037,000 | 31,973,000 | 36,438,000 | 33,534,000 | 32,525,000 | 26,780,000 | 28,929,000 | 33,143,000 | 32,483,000 | 28,864,000 | 32,660,000 | 29,651,000 | 9,432,000 | 8,692,000 | 8,991,000 | 9,529,000 | 12,501,000 | 10,176,000 | 11,270,000 | 9,115,000 | 9,372,000 | 9,246,000 | 6,165,000 | 10,148,000 | 261,231,000 | 267,099,000 | |
overnight deposits | 381,501,000 | 372,827,000 | 138,876,000 | 177,891,000 | 187,190,000 | 301,804,000 | 226,510,000 | 500,366,000 | 237,492,000 | 140,929,000 | 168,242,000 | 266,978,000 | 230,638,000 | 679,849,000 | 1,308,738,000 | 1,381,475,000 | 2,330,486,000 | 1,824,820,000 | 1,689,614,000 | 1,125,589,000 | 855,613,000 | 758,913,000 | 813,147,000 | 569,927,000 | 381,045,000 | 424,170,000 | 424,276,000 | 346,674,000 | 223,704,000 | 148,260,000 | 240,994,000 | |||
total cash and cash equivalents | 393,587,000 | 385,936,000 | 152,453,000 | 196,463,000 | 200,268,000 | 318,478,000 | 244,662,000 | 534,403,000 | 269,465,000 | 177,367,000 | 201,776,000 | 299,503,000 | 257,418,000 | 708,778,000 | 1,341,881,000 | 1,413,958,000 | 2,359,350,000 | 1,857,480,000 | 1,719,265,000 | 1,135,021,000 | 864,305,000 | 767,904,000 | 822,676,000 | 582,428,000 | 391,221,000 | 435,440,000 | 433,391,000 | 356,046,000 | 232,950,000 | 154,425,000 | 251,142,000 | 261,231,000 | ||
investment securities available-for-sale, at fair value | 578,932,000 | 552,441,000 | 551,029,000 | 523,542,000 | 482,085,000 | 510,966,000 | 504,748,000 | 497,789,000 | 461,207,000 | 429,850,000 | 426,068,000 | 444,169,000 | ||||||||||||||||||||||
investment securities held-to-maturity | 356,627,000 | 376,447,000 | 387,901,000 | 398,973,000 | 428,557,000 | 438,445,000 | 449,368,000 | 460,249,000 | 468,860,000 | 478,886,000 | 515,613,000 | 501,525,000 | ||||||||||||||||||||||
equity investment securities, at fair value | 5,609,000 | 5,548,000 | 5,276,000 | 5,221,000 | 5,109,000 | 5,213,000 | 2,122,000 | 2,115,000 | 2,123,000 | 2,015,000 | 2,066,000 | 2,087,000 | 2,048,000 | 2,027,000 | 2,107,000 | 2,173,000 | 2,273,000 | 2,289,000 | ||||||||||||||||
total securities | 941,168,000 | 934,436,000 | 944,206,000 | 927,736,000 | 915,751,000 | 954,624,000 | 956,238,000 | 960,153,000 | 932,190,000 | 910,751,000 | 943,747,000 | 947,781,000 | 958,220,000 | 946,668,000 | 998,508,000 | 975,794,000 | 950,996,000 | 607,474,000 | 548,282,000 | 484,761,000 | 271,169,000 | 187,695,000 | 194,979,000 | 205,646,000 | 240,888,000 | 256,835,000 | 137,109,000 | 36,272,000 | 37,120,000 | 32,247,000 | 33,974,000 | |||
other investments | 20,632,000 | 27,330,000 | 27,297,000 | 27,062,000 | 30,636,000 | 26,586,000 | 26,584,000 | 32,669,000 | 38,966,000 | 35,015,000 | 28,040,000 | 27,099,000 | 22,110,000 | 17,484,000 | 17,357,000 | 15,989,000 | 11,998,000 | 11,998,000 | 11,989,000 | 11,638,000 | 11,597,000 | 11,097,000 | 15,731,000 | 21,455,000 | 20,939,000 | 20,921,000 | 22,972,000 | 23,652,000 | 22,287,000 | 16,645,000 | 16,770,000 | 16,566,000 | 13,677,000 | 13,740,000 |
loans, net of deferred fees and costs | 6,810,233,000 | 6,781,703,000 | 6,612,789,000 | 6,342,122,000 | 6,034,076,000 | 5,897,119,000 | 5,838,892,000 | 5,719,218,000 | 5,624,797,000 | 5,354,487,000 | 5,149,546,000 | 4,851,694,000 | 4,840,523,000 | 4,617,304,000 | 4,375,165,000 | 4,121,443,000 | ||||||||||||||||||
allowance for credit losses | -97,081,000 | -94,239,000 | -74,071,000 | -67,803,000 | -63,273,000 | -62,493,000 | -60,008,000 | -58,538,000 | -57,965,000 | -52,298,000 | -51,650,000 | -47,752,000 | ||||||||||||||||||||||
net loans | 6,713,152,000 | 6,687,464,000 | 6,538,718,000 | 6,274,319,000 | 5,970,803,000 | 5,834,626,000 | 5,778,884,000 | 5,660,680,000 | 5,566,832,000 | 5,302,189,000 | 5,097,896,000 | 4,803,942,000 | 4,795,647,000 | 4,574,763,000 | 4,334,631,000 | 4,083,309,000 | 3,697,200,000 | 3,565,167,000 | 3,412,113,000 | 3,202,162,000 | 3,101,646,000 | 2,955,936,000 | 2,859,769,000 | 2,735,175,000 | 2,646,677,000 | 2,472,253,000 | 2,312,858,000 | 2,081,586,000 | 1,846,274,000 | 1,680,436,000 | 1,582,184,000 | 1,509,906,000 | 1,405,009,000 | 1,365,754,000 |
other assets | 187,177,000 | 199,264,000 | 191,175,000 | 190,718,000 | 183,291,000 | 172,996,000 | 168,597,000 | 171,614,000 | 172,571,000 | 178,145,000 | 165,772,000 | 147,870,000 | 148,337,000 | |||||||||||||||||||||
total assets | 8,255,716,000 | 8,234,430,000 | 7,853,849,000 | 7,616,298,000 | 7,300,749,000 | 7,403,358,000 | 7,265,591,000 | 7,453,371,000 | 7,067,672,000 | 6,683,359,000 | 6,522,150,000 | 6,309,982,000 | 6,267,337,000 | 6,422,061,000 | 6,867,042,000 | 6,626,940,000 | 7,116,358,000 | 6,141,254,000 | 5,787,193,000 | 4,922,801,000 | 4,330,821,000 | 4,001,759,000 | 3,970,441,000 | 3,612,012,000 | 3,357,572,000 | 3,243,171,000 | 2,960,613,000 | 2,545,186,000 | 2,182,644,000 | 1,930,714,000 | 1,924,495,000 | 1,968,886,000 | 1,759,855,000 | 1,723,657,000 |
liabilities and stockholders’ equity | ||||||||||||||||||||||||||||||||||
deposits | ||||||||||||||||||||||||||||||||||
noninterest-bearing demand deposits | 1,479,420,000 | 1,382,345,000 | 1,427,439,000 | 1,384,524,000 | 1,334,054,000 | 1,780,305,000 | 1,883,176,000 | 1,927,629,000 | 1,837,874,000 | 1,746,626,000 | 1,730,380,000 | 2,122,606,000 | 2,422,151,000 | 3,058,014,000 | 3,470,325,000 | 3,176,048,000 | 3,668,673,000 | 2,803,823,000 | 2,794,136,000 | 2,167,899,000 | 1,715,042,000 | 1,553,241,000 | 1,526,439,000 | 1,250,584,000 | 1,090,479,000 | 1,041,102,000 | 1,103,278,000 | 915,499,000 | 798,563,000 | 772,754,000 | 878,703,000 | 1,012,165,000 | 812,497,000 | 826,345,000 |
interest-bearing deposits | 5,897,758,000 | 5,690,414,000 | 5,363,867,000 | 5,064,768,000 | 4,648,919,000 | 4,489,602,000 | 4,286,486,000 | 4,309,913,000 | 3,899,418,000 | 3,774,963,000 | 3,558,185,000 | 3,009,182,000 | 2,855,761,000 | 2,673,509,000 | 2,708,075,000 | 2,763,315,000 | 2,766,899,000 | 2,653,746,000 | 2,494,137,000 | 2,258,818,000 | 2,103,471,000 | 1,974,385,000 | 1,868,300,000 | 1,771,108,000 | 1,700,295,000 | 1,664,104,000 | 1,272,844,000 | 1,050,631,000 | 861,991,000 | 761,177,000 | 661,779,000 | 604,951,000 | 591,858,000 | 662,298,000 |
total deposits | 7,377,178,000 | 7,072,759,000 | 6,791,306,000 | 6,449,292,000 | 5,982,973,000 | 6,269,907,000 | 6,169,662,000 | 6,237,542,000 | 5,737,292,000 | 5,521,589,000 | 5,288,565,000 | 5,131,788,000 | 5,277,912,000 | 5,731,523,000 | 6,178,400,000 | 5,939,363,000 | 6,435,572,000 | 5,457,569,000 | 5,288,273,000 | 4,426,717,000 | 3,818,513,000 | 3,527,626,000 | 3,394,739,000 | 3,021,692,000 | 2,790,774,000 | 2,705,206,000 | 2,376,122,000 | 1,966,130,000 | 1,660,554,000 | 1,533,931,000 | 1,540,482,000 | 1,617,116,000 | 1,404,355,000 | 1,488,643,000 |
federal funds purchased | 125,000,000 | 50,000,000 | 125,000,000 | 210,000,000 | 99,000,000 | 243,000,000 | 195,000,000 | 150,000,000 | ||||||||||||||||||||||||||
federal home loan bank of new york advances | 150,000,000 | 150,000,000 | 160,000,000 | 240,000,000 | 150,000,000 | 150,000,000 | 300,000,000 | 440,000,000 | 355,000,000 | 200,000,000 | 200,000,000 | 100,000,000 | 104,000,000 | 144,000,000 | 144,000,000 | 144,000,000 | 190,000,000 | 215,000,000 | 185,000,000 | 60,000,000 | 63,000,000 | |||||||||||||
trust preferred securities | 20,620,000 | 20,620,000 | 20,620,000 | 20,620,000 | 20,620,000 | 20,620,000 | 20,620,000 | 20,620,000 | 20,620,000 | 20,620,000 | 20,620,000 | 20,620,000 | 20,620,000 | 20,620,000 | 20,620,000 | 20,620,000 | 20,620,000 | 20,620,000 | 20,620,000 | 20,620,000 | 20,620,000 | 20,620,000 | 20,620,000 | 20,620,000 | 20,620,000 | 20,620,000 | 20,620,000 | 20,620,000 | 20,620,000 | 20,620,000 | 20,620,000 | 20,620,000 | ||
secured and other borrowings | 10,975,000 | 17,355,000 | 17,366,000 | 17,403,000 | 7,441,000 | 107,478,000 | 107,514,000 | 107,549,000 | ||||||||||||||||||||||||||
other liabilities | 103,831,000 | 116,656,000 | 101,589,000 | 106,137,000 | 109,888,000 | 118,192,000 | 102,760,000 | 95,434,000 | 93,976,000 | 133,322,000 | 130,263,000 | 135,896,000 | 124,604,000 | |||||||||||||||||||||
total liabilities | 7,512,604,000 | 7,502,390,000 | 7,130,881,000 | 6,878,452,000 | 6,570,922,000 | 6,688,167,000 | 6,573,187,000 | 6,779,830,000 | 6,408,651,000 | 6,048,449,000 | 5,900,875,000 | 5,702,095,000 | 5,691,440,000 | 5,839,824,000 | 6,292,736,000 | 6,066,910,000 | 6,559,369,000 | 5,598,600,000 | 5,423,598,000 | 4,574,584,000 | 3,990,034,000 | 3,673,175,000 | 3,653,272,000 | 3,303,476,000 | 3,058,448,000 | 2,952,169,000 | 2,679,283,000 | 2,271,399,000 | 1,918,127,000 | 1,673,445,000 | 1,674,911,000 | 1,725,845,000 | 1,522,971,000 | 1,604,698,000 |
common stock, 0.01 par value... | 113,000 | 113,000 | 113,000 | 113,000 | 112,000 | 112,000 | 112,000 | 112,000 | 111,000 | 110,000 | 110,000 | 112,000 | 109,000 | 109,000 | 109,000 | 109,000 | 109,000 | 106,000 | 83,000 | 83,000 | 82,000 | 82,000 | 82,000 | 82,000 | 82,000 | 82,000 | 82,000 | 82,000 | 82,000 | 81,000 | 81,000 | 81,000 | 81,000 | 45,000 |
additional paid in capital | 405,565,000 | 403,708,000 | 401,055,000 | 398,823,000 | 400,188,000 | 397,963,000 | 395,520,000 | 393,341,000 | 395,871,000 | 393,544,000 | 392,742,000 | 394,124,000 | 389,276,000 | 387,406,000 | 385,369,000 | 383,327,000 | 382,999,000 | 382,922,000 | 219,098,000 | 217,384,000 | 218,899,000 | 218,360,000 | 217,643,000 | 216,701,000 | 216,468,000 | 215,677,000 | 214,880,000 | 214,088,000 | 213,490,000 | 212,759,000 | 212,100,000 | 211,333,000 | 211,145,000 | 96,422,000 |
retained earnings | 450,639,000 | 423,338,000 | 417,782,000 | 399,015,000 | 382,661,000 | 361,243,000 | 348,977,000 | 332,178,000 | 315,975,000 | 301,407,000 | 279,344,000 | 263,783,000 | 240,810,000 | 248,550,000 | 223,595,000 | 200,406,000 | 181,385,000 | 162,498,000 | 146,283,000 | 132,947,000 | 120,830,000 | 109,055,000 | 98,272,000 | 87,461,000 | 81,364,000 | 73,501,000 | 65,818,000 | 59,761,000 | 51,415,000 | 45,129,000 | 38,017,000 | 32,152,000 | 25,861,000 | 22,536,000 |
accumulated other comprehensive income, net of tax | -39,739,000 | -41,852,000 | -45,455,000 | -47,170,000 | -53,134,000 | -44,127,000 | -52,205,000 | -52,090,000 | -52,936,000 | -60,151,000 | -50,921,000 | -50,132,000 | -54,298,000 | -53,828,000 | -34,767,000 | -23,812,000 | -7,504,000 | -2,875,000 | ||||||||||||||||
treasury stock | -73,466,000 | -53,267,000 | -50,527,000 | -12,935,000 | ||||||||||||||||||||||||||||||
total stockholders’ equity | 743,112,000 | 732,040,000 | 722,968,000 | 737,846,000 | 729,827,000 | 715,191,000 | 692,404,000 | 673,541,000 | 659,021,000 | 634,910,000 | 621,275,000 | 607,887,000 | 575,897,000 | 582,237,000 | 574,306,000 | 560,030,000 | 556,989,000 | 542,654,000 | 363,595,000 | 348,217,000 | 340,787,000 | 328,584,000 | 317,169,000 | 308,536,000 | 299,124,000 | 291,002,000 | 281,330,000 | 273,787,000 | 264,517,000 | 257,269,000 | 249,584,000 | 243,041,000 | 236,884,000 | 118,959,000 |
total liabilities and stockholders’ equity | 8,255,716,000 | 8,234,430,000 | 7,853,849,000 | 7,616,298,000 | 7,300,749,000 | 7,403,358,000 | 7,265,591,000 | 7,453,371,000 | 7,067,672,000 | 6,683,359,000 | 6,522,150,000 | 6,309,982,000 | 6,267,337,000 | 6,422,061,000 | 6,867,042,000 | 6,626,940,000 | 7,116,358,000 | 6,141,254,000 | 5,787,193,000 | 4,922,801,000 | 4,330,821,000 | 4,001,759,000 | 3,970,441,000 | 3,612,012,000 | 3,357,572,000 | 3,243,171,000 | 2,960,613,000 | 2,545,186,000 | 2,182,644,000 | 1,930,714,000 | 1,924,495,000 | 1,968,886,000 | 1,759,855,000 | 1,723,657,000 |
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receivable from global payments business | 96,048,000 | 90,626,000 | 93,852,000 | 87,648,000 | 79,892,000 | 84,919,000 | 83,787,000 | 85,605,000 | 75,457,000 | 68,214,000 | 62,129,000 | 39,864,000 | 48,302,000 | 27,259,000 | ||||||||||||||||||||
prepaid third-party debit cardholder balances | 21,970,000 | 22,631,000 | 18,685,000 | 10,178,000 | 10,297,000 | 10,772,000 | 11,102,000 | 10,579,000 | 9,395,000 | 23,531,000 | 24,092,000 | 8,847,000 | 21,577,000 | 21,201,000 | 22,802,000 | 26,923,000 | 30,569,000 | 31,357,000 | 23,472,000 | 10,696,000 | 15,731,000 | 15,717,000 | 15,525,000 | 7,687,000 | ||||||||||
secured borrowings | 7,585,000 | 7,621,000 | 7,655,000 | 7,689,000 | 7,725,000 | 36,964,000 | 42,972,000 | |||||||||||||||||||||||||||
subordinated debt, net of issuance cost | 24,712,000 | 24,698,000 | 24,684,000 | 24,670,000 | 24,657,000 | 24,643,000 | 24,629,000 | 24,615,000 | 24,601,000 | 24,587,000 | 24,573,000 | 24,559,000 | 24,545,000 | 24,531,000 | ||||||||||||||||||||
investment securities available for sale, at fair value | 445,747,000 | 423,265,000 | 465,661,000 | 505,728,000 | 566,624,000 | 603,168,000 | 543,769,000 | 479,988,000 | 182,334,000 | 189,359,000 | 199,854,000 | 250,674,000 | 130,755,000 | 29,731,000 | 32,549,000 | 27,490,000 | 28,989,000 | |||||||||||||||||
investment securities held to maturity | 510,425,000 | 521,376,000 | 530,740,000 | 467,893,000 | 382,099,000 | 2,017,000 | 2,222,000 | 2,492,000 | 2,760,000 | 3,050,000 | 3,319,000 | 3,520,000 | 3,722,000 | 3,938,000 | 4,161,000 | 4,392,000 | 4,571,000 | 4,757,000 | 4,985,000 | 5,212,000 | 5,428,000 | 5,681,000 | ||||||||||||
allowance for loan losses | -44,876,000 | -42,541,000 | -40,534,000 | -38,134,000 | -34,729,000 | -38,121,000 | -37,377,000 | -35,502,000 | -35,407,000 | -33,614,000 | -32,505,000 | -30,924,000 | -26,272,000 | -24,444,000 | -22,715,000 | -20,834,000 | -18,942,000 | -18,493,000 | -17,463,000 | -16,260,000 | -14,887,000 | |||||||||||||
accrued interest receivable | 20,370,000 | 18,203,000 | 16,186,000 | 15,195,000 | 13,504,000 | 14,424,000 | 13,982,000 | 13,249,000 | 12,524,000 | 11,148,000 | 9,108,000 | 8,862,000 | 8,273,000 | 7,795,000 | 6,396,000 | 5,507,000 | 5,239,000 | 4,449,000 | 4,366,000 | 4,421,000 | 3,903,000 | |||||||||||||
premises and equipment | 31,503,000 | 17,933,000 | 16,434,000 | 15,116,000 | 14,031,000 | 13,337,000 | 13,756,000 | 13,475,000 | 15,913,000 | 15,065,000 | 14,917,000 | 12,100,000 | 9,628,000 | 6,626,000 | 6,446,000 | 6,877,000 | 6,918,000 | 7,012,000 | 6,688,000 | 6,268,000 | 6,010,000 | |||||||||||||
prepaid expenses and other assets | 37,305,000 | 60,582,000 | 33,408,000 | 16,906,000 | 13,565,000 | 17,959,000 | 13,392,000 | 18,388,000 | 9,720,000 | 10,217,000 | 10,855,000 | 11,406,000 | 9,859,000 | 10,967,000 | 7,599,000 | 8,158,000 | 7,813,000 | 7,715,000 | 5,993,000 | 5,751,000 | 7,013,000 | |||||||||||||
goodwill | 9,733,000 | 9,733,000 | 9,733,000 | 9,733,000 | 9,733,000 | 9,733,000 | 9,733,000 | 9,733,000 | 9,733,000 | 9,733,000 | 9,733,000 | 9,733,000 | 9,733,000 | 9,733,000 | 9,733,000 | 9,733,000 | 9,733,000 | 9,733,000 | 9,733,000 | 9,733,000 | 9,733,000 | |||||||||||||
secured borrowing | 26,912,000 | 32,044,000 | 32,322,000 | 32,461,000 | 35,559,000 | 36,449,000 | 36,475,000 | 32,224,000 | 41,948,000 | 41,697,000 | ||||||||||||||||||||||||
accounts payable, accrued expenses and other liabilities | 50,969,000 | 37,774,000 | 50,216,000 | 36,411,000 | 38,129,000 | 30,598,000 | 42,737,000 | 61,645,000 | 37,014,000 | 34,780,000 | 26,234,000 | 23,556,000 | 41,067,000 | 26,203,000 | 28,581,000 | 18,439,000 | 19,635,000 | 18,111,000 | 23,338,000 | 21,678,000 | 20,411,000 | |||||||||||||
accrued interest payable | 405,000 | 367,000 | 297,000 | 746,000 | 448,000 | 1,773,000 | 563,000 | 712,000 | 479,000 | 1,199,000 | 1,146,000 | 1,229,000 | 958,000 | 1,535,000 | 984,000 | 1,282,000 | 918,000 | 1,019,000 | 454,000 | 749,000 | 547,000 | |||||||||||||
loans, net of deferred fees and unamortized costs | 3,731,929,000 | 3,603,288,000 | 3,449,490,000 | 3,237,664,000 | 3,137,053,000 | 2,989,550,000 | 2,892,274,000 | 2,766,099,000 | 2,672,949,000 | 2,496,697,000 | 2,335,573,000 | 2,102,420,000 | 1,865,216,000 | 1,698,929,000 | 1,599,647,000 | |||||||||||||||||||
deposits: | ||||||||||||||||||||||||||||||||||
commitments and contingencies | ||||||||||||||||||||||||||||||||||
class b preferred stock, 0.01 par value... | 3,000 | 3,000 | 3,000 | 3,000 | 3,000 | 3,000 | 3,000 | 3,000 | 3,000 | 3,000 | 3,000 | 3,000 | 3,000 | 3,000 | 3,000 | 3,000 | 3,000 | |||||||||||||||||
equity investment securities | 2,291,000 | 2,281,000 | 2,311,000 | 2,301,000 | 2,272,000 | |||||||||||||||||||||||||||||
receivables from global payments business | 40,091,000 | |||||||||||||||||||||||||||||||||
accumulated other comprehensive income, net of tax effect | -1,872,000 | -2,200,000 | ||||||||||||||||||||||||||||||||
receivables related to global payments group | 38,356,000 | |||||||||||||||||||||||||||||||||
investment securities available for sale, at fair value, substantially restricted | 266,096,000 | 234,942,000 | ||||||||||||||||||||||||||||||||
equity investments | 2,313,000 | 2,224,000 | ||||||||||||||||||||||||||||||||
accumulated other comprehensive loss, net of tax effect | 973,000 | 1,207,000 | -147,000 | -473,000 | -703,000 | -617,000 | -528,000 | -206,000 | -47,000 | |||||||||||||||||||||||||
receivable from prepaid card programs | 31,237,000 | 31,123,000 | 20,861,000 | 10,078,000 | 16,257,000 | 16,533,000 | 16,516,000 | 8,218,000 | 14,297,000 | 7,589,000 | 7,523,000 | 9,579,000 | 6,977,000 | |||||||||||||||||||||
accumulated other comprehensive gain, net of tax effect | 1,084,000 | 1,169,000 | 4,289,000 | 1,739,000 | 547,000 | |||||||||||||||||||||||||||||
accounts receivable | 1,834,000 | 5,668,000 | 3,972,000 | 2,629,000 | 940,000 | 5,520,000 | 2,961,000 | 3,927,000 | 1,673,000 | 6,601,000 | 3,825,000 | |||||||||||||||||||||||
marketable equity investments, at fair value | 2,223,000 | 2,193,000 | 2,149,000 | |||||||||||||||||||||||||||||||
due to brokers | 24,513,000 | |||||||||||||||||||||||||||||||||
prepaid debit cardholder balances | 13,810,000 | 7,162,000 | ||||||||||||||||||||||||||||||||
class a preferred stock, 0.01 par value... | ||||||||||||||||||||||||||||||||||
subordinated debts, net of issuance cost | 24,517,000 | 24,468,000 | ||||||||||||||||||||||||||||||||
cash and cash equivalents | 370,950,000 | |||||||||||||||||||||||||||||||||
investment securities available for sale, at estimated fair value | 30,276,000 | 32,157,000 | 33,922,000 | |||||||||||||||||||||||||||||||
loans, net of deferred fees | 1,526,166,000 | |||||||||||||||||||||||||||||||||
fhlb advances | 33,000,000 | 42,198,000 | ||||||||||||||||||||||||||||||||
trust preferred securities payable | 20,620,000 | 20,620,000 | ||||||||||||||||||||||||||||||||
subordinated debt, net of issuance costs | 24,503,000 | 24,489,000 | ||||||||||||||||||||||||||||||||
debit cardholder balances | 6,814,000 | 8,882,000 | 6,259,000 | |||||||||||||||||||||||||||||||
stockholders’ equity: | ||||||||||||||||||||||||||||||||||
cash and cash equivalents: | ||||||||||||||||||||||||||||||||||
u.s. government securities money market funds | ||||||||||||||||||||||||||||||||||
loans | 1,420,966,000 | 1,381,649,000 | ||||||||||||||||||||||||||||||||
deferred loan fees and unamortized costs | -1,070,000 | -820,000 | ||||||||||||||||||||||||||||||||
allowance for loan and lease losses | -15,075,000 | |||||||||||||||||||||||||||||||||
borrowed funds | 43,750,000 |
Cashflow Statements:
Quarterly
Annual
| Unit: USD | 2025-12-31 | 2025-09-30 | 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 | 2019-12-31 | 2019-09-30 | 2019-06-30 | 2019-03-31 | 2018-12-31 | 2018-09-30 | 2018-06-30 | 2018-03-31 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
cash flows from operating activities | ||||||||||||||||||||||||||||||||
net income | 28,858,000 | 7,119,000 | 18,767,000 | 16,354,000 | 21,418,000 | 12,266,000 | 16,799,000 | 16,203,000 | 14,568,000 | 22,063,000 | 15,561,000 | 25,076,000 | -7,740,000 | 24,955,000 | 23,189,000 | 19,021,000 | 18,887,000 | 16,215,000 | 13,336,000 | 12,117,000 | 11,776,000 | 10,782,000 | 10,811,000 | 6,097,000 | 7,863,000 | 7,683,000 | 6,057,000 | 8,531,000 | 6,286,000 | 7,112,000 | 5,865,000 | 6,291,000 |
adjustments to reconcile net income to net cash: | ||||||||||||||||||||||||||||||||
net depreciation, amortization, and accretion | -2,271,000 | -5,368,000 | -1,963,000 | -1,451,000 | -2,381,000 | -3,294,000 | -2,544,000 | -3,193,000 | ||||||||||||||||||||||||
provision for credit losses | 2,846,000 | 23,862,000 | 6,378,000 | 4,506,000 | 1,500,000 | 2,691,000 | 1,538,000 | 528,000 | 6,541,000 | 791,000 | ||||||||||||||||||||||
stock-based compensation | 1,858,000 | 2,653,000 | 2,591,000 | 1,826,000 | 2,298,000 | 2,475,000 | 2,200,000 | 1,926,000 | 2,327,000 | 2,636,000 | 2,580,000 | 2,222,000 | 2,238,000 | 2,037,000 | 2,042,000 | 1,519,000 | ||||||||||||||||
other | -735,000 | -272,000 | -55,000 | -112,000 | 104,000 | -3,091,000 | -7,000 | 8,000 | ||||||||||||||||||||||||
deferred income tax expense | ||||||||||||||||||||||||||||||||
net change in: | ||||||||||||||||||||||||||||||||
receivable from global payments | 96,048,000 | -5,422,000 | 3,226,000 | -6,204,000 | -7,756,000 | 5,027,000 | -1,132,000 | 1,818,000 | -10,148,000 | -7,243,000 | -6,085,000 | -22,265,000 | 7,937,000 | -7,710,000 | ||||||||||||||||||
third-party debit cardholder balances | -21,970,000 | -661,000 | 3,946,000 | 8,507,000 | -119,000 | -475,000 | -330,000 | 523,000 | 1,184,000 | -14,136,000 | -561,000 | 15,245,000 | ||||||||||||||||||||
other assets | 21,884,000 | -12,002,000 | -3,515,000 | -10,330,000 | 5,925,000 | -16,585,000 | 1,787,000 | 4,784,000 | -7,338,000 | -7,494,000 | -12,542,000 | -2,645,000 | ||||||||||||||||||||
other liabilities | -12,440,000 | 15,803,000 | -3,819,000 | -3,028,000 | -16,738,000 | 16,422,000 | 8,311,000 | 2,437,000 | -38,373,000 | 4,066,000 | -4,580,000 | 10,193,000 | ||||||||||||||||||||
net cash from operating activities | 30,736,000 | 31,795,000 | 18,384,000 | 7,765,000 | 83,406,000 | 4,801,000 | 35,256,000 | 24,996,000 | -30,747,000 | 27,482,000 | 6,663,000 | 39,028,000 | 11,493,000 | 53,403,000 | -9,887,000 | 30,882,000 | 15,485,000 | 23,536,000 | -1,642,000 | -102,000 | 30,788,000 | 14,646,000 | 21,021,000 | 20,815,000 | -9,564,000 | 27,041,000 | 2,451,000 | 21,029,000 | -13,809,000 | 8,701,000 | 4,951,000 | 27,217,000 |
capital expenditures | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
free cash flows | 30,736,000 | 31,795,000 | 18,384,000 | 7,765,000 | 83,406,000 | 4,801,000 | 35,256,000 | 24,996,000 | -30,747,000 | 27,482,000 | 6,663,000 | 39,028,000 | 11,493,000 | 53,403,000 | -9,887,000 | 30,882,000 | 15,485,000 | 23,536,000 | -1,642,000 | -102,000 | 30,788,000 | 14,646,000 | 21,021,000 | 20,815,000 | -9,564,000 | 27,041,000 | 2,451,000 | 21,029,000 | -13,809,000 | 8,701,000 | 4,951,000 | 27,217,000 |
cash flows from investing activities | ||||||||||||||||||||||||||||||||
loan originations and payments | -25,444,000 | -165,939,000 | -268,277,000 | -306,187,000 | 15,089,000 | -97,378,000 | -78,538,000 | -118,967,000 | ||||||||||||||||||||||||
redemptions of frb and fhlb stock | 6,750,000 | 5,625,000 | 6,671,000 | 17,524,000 | 10,578,000 | 2,000 | 31,468,000 | 6,300,000 | 15,849,000 | |||||||||||||||||||||||
purchases of frb and fhlb stock | -52,000 | -5,658,000 | -6,906,000 | -13,950,000 | -14,628,000 | -4,000 | -25,383,000 | -3,000 | -19,800,000 | |||||||||||||||||||||||
purchase of securities available-for-sale | -73,190,000 | -40,731,000 | -40,868,000 | -44,274,000 | 0 | 0 | -19,504,000 | -53,306,000 | -18,945,000 | |||||||||||||||||||||||
purchase of securities held-for-investment | 0 | 0 | 0 | -3,010,000 | -74,793,000 | -95,822,000 | ||||||||||||||||||||||||||
proceeds from sales and calls of securities available-for-sale | ||||||||||||||||||||||||||||||||
proceeds from paydowns and maturities of securities available-for-sale | 32,371,000 | 45,247,000 | 17,903,000 | 12,898,000 | 15,002,000 | 13,049,000 | 12,801,000 | 12,314,000 | 10,050,000 | 21,550,000 | 28,352,000 | |||||||||||||||||||||
proceeds from paydowns and maturities of securities held-to-maturity | 19,686,000 | 11,310,000 | 10,935,000 | 29,450,000 | 9,748,000 | 10,776,000 | 10,737,000 | 8,463,000 | 9,874,000 | |||||||||||||||||||||||
purchase of premises and equipment | -2,888,000 | -305,000 | -878,000 | -2,186,000 | -1,138,000 | -629,000 | -753,000 | -111,000 | -838,000 | -3,023,000 | -908,000 | -980,000 | 485,000 | -15,757,000 | -2,099,000 | -1,874,000 | -2,153,000 | -1,094,000 | 26,000 | -774,000 | 2,937,000 | -2,497,000 | -568,000 | -3,785,000 | -2,871,000 | -3,433,000 | -580,000 | 48,000 | -337,000 | -257,000 | -654,000 | -716,000 |
net cash from investing activities | -24,367,000 | -150,451,000 | -281,420,000 | -306,725,000 | -114,572,000 | -31,162,000 | -107,061,000 | -116,816,000 | -276,822,000 | -195,047,000 | -305,169,000 | 1,589,000 | -239,881,000 | -234,497,000 | -300,949,000 | -454,023,000 | -487,404,000 | -216,391,000 | -275,499,000 | -323,703,000 | -229,730,000 | -88,563,000 | -112,568,000 | -58,174,000 | -163,194,000 | -308,076,000 | -310,098,000 | -233,421,000 | -159,562,000 | -93,927,000 | -80,125,000 | -120,956,000 |
cash flows from financing activities | ||||||||||||||||||||||||||||||||
proceeds from (repayments of) federal funds purchased | -125,000,000 | 75,000,000 | -75,000,000 | -85,000,000 | 210,000,000 | 0 | 0 | -99,000,000 | ||||||||||||||||||||||||
proceeds from (repayments of) fhlb advances | -150,000,000 | 0 | -10,000,000 | -80,000,000 | 90,000,000 | 0 | -150,000,000 | -140,000,000 | 85,000,000 | 155,000,000 | 0 | 100,000,000 | ||||||||||||||||||||
redemption of common stock for tax withholdings for restricted stock vesting | -1,000 | 0 | -359,000 | -3,191,000 | -73,000 | -32,000 | -21,000 | -4,456,000 | 0 | -1,834,000 | 0 | -1,336,000 | -368,000 | 0 | 0 | -1,191,000 | -145,000 | -2,101,000 | -284,000 | -18,000 | 0 | -579,000 | -1,000 | 0 | 0 | -88,000 | -72,000 | |||||
proceeds from (repayments of) other borrowings | ||||||||||||||||||||||||||||||||
proceeds from (repayments of) secured borrowings | -6,380,000 | -11,000 | -36,000 | -34,000 | -34,000 | -36,000 | -19,187,000 | -5,132,000 | -278,000 | -139,000 | ||||||||||||||||||||||
net increase in deposits | 304,419,000 | 281,453,000 | 342,014,000 | 466,319,000 | -286,934,000 | 100,245,000 | -67,880,000 | 500,250,000 | 215,703,000 | 233,024,000 | 156,777,000 | -146,124,000 | -453,611,000 | -446,877,000 | 239,037,000 | -496,209,000 | 978,003,000 | 169,296,000 | 861,556,000 | 597,111,000 | 290,887,000 | 132,887,000 | 373,047,000 | 230,918,000 | 85,568,000 | 329,084,000 | 409,992,000 | 305,576,000 | 126,623,000 | -6,551,000 | -76,634,000 | 212,761,000 |
purchase of treasury stock | -20,199,000 | -2,740,000 | -37,592,000 | -12,935,000 | ||||||||||||||||||||||||||||
cash dividend paid | -1,557,000 | |||||||||||||||||||||||||||||||
net cash from financing activities | 1,282,000 | 352,139,000 | 219,026,000 | 295,155,000 | -87,044,000 | 100,177,000 | -217,936,000 | 356,758,000 | 399,667,000 | 143,156,000 | 200,779,000 | 1,468,000 | -222,972,000 | -452,009,000 | 238,759,000 | -522,251,000 | 973,789,000 | 331,070,000 | 861,385,000 | 594,521,000 | 295,343,000 | 19,145,000 | 333,298,000 | 229,064,000 | 128,539,000 | 283,084,000 | 384,992,000 | 335,488,000 | 251,896,000 | -9,491,000 | -46,634,000 | 203,458,000 |
increase in cash and cash equivalents | 7,651,000 | 233,483,000 | -44,010,000 | -3,805,000 | -118,210,000 | 73,816,000 | -289,741,000 | 264,938,000 | 92,098,000 | -24,409,000 | -97,727,000 | 42,085,000 | -451,360,000 | -633,103,000 | -72,077,000 | -945,392,000 | 501,870,000 | 138,215,000 | 584,244,000 | 270,716,000 | 96,401,000 | -54,772,000 | 241,751,000 | 191,705,000 | -44,219,000 | 2,049,000 | 77,345,000 | 123,096,000 | 78,525,000 | -94,717,000 | -121,808,000 | 109,719,000 |
cash and cash equivalents at the beginning of the period | 0 | 0 | 0 | 200,268,000 | 0 | 0 | 0 | 269,465,000 | 0 | 0 | 0 | 257,418,000 | 0 | 0 | 0 | 2,359,350,000 | 0 | 0 | 0 | 864,305,000 | 0 | 0 | -1,503,000 | 390,723,000 | 0 | 0 | 0 | 232,950,000 | 0 | -2,000,000 | 2,000,000 | 261,231,000 |
cash and cash equivalents at the end of the period | 7,651,000 | 233,483,000 | -44,010,000 | 196,463,000 | -118,210,000 | 73,816,000 | -289,741,000 | 534,403,000 | 92,098,000 | -24,409,000 | -97,727,000 | 299,503,000 | -451,360,000 | -633,103,000 | -72,077,000 | 1,413,958,000 | 501,870,000 | 138,215,000 | 584,244,000 | 1,135,021,000 | 96,401,000 | -54,772,000 | 240,248,000 | 582,428,000 | -44,219,000 | 2,049,000 | 77,345,000 | 356,046,000 | 78,525,000 | -96,717,000 | -119,808,000 | 370,950,000 |
supplemental information | ||||||||||||||||||||||||||||||||
cash paid for: | ||||||||||||||||||||||||||||||||
interest | 52,758,000 | 55,771,000 | 53,136,000 | 50,552,000 | 57,086,000 | 53,428,000 | 52,992,000 | 51,874,000 | 47,590,000 | 43,781,000 | 35,264,000 | 24,768,000 | 16,332,000 | 6,694,000 | 3,786,000 | 4,787,000 | 3,999,000 | 5,551,000 | 2,866,000 | 3,833,000 | 3,162,000 | 4,342,000 | 4,008,000 | 7,181,000 | 8,153,000 | 10,020,000 | 7,655,000 | 6,395,000 | 4,017,000 | 2,472,000 | ||
income taxes | 470,000 | 9,855,000 | 7,353,000 | 8,174,000 | 4,794,000 | 10,586,000 | 8,048,000 | 11,367,000 | 1,649,000 | 12,145,000 | 19,185,000 | 3,192,000 | 6,666,000 | 21,833,000 | 4,080,000 | 2,725,000 | 9,150,000 | 6,280,000 | 6,485,000 | 2,250,000 | 19,042,000 | 47,000 | 1,419,000 | -1,423,000 | 2,815,000 | 2,800,000 | 8,370,000 | 1,200,000 | 3,145,000 | 6,139,000 | ||
| ||||||||||||||||||||||||||||||||
proceeds from (repayments of) secured and other borrowings | 9,962,000 | -100,037,000 | -36,000 | -35,000 | 99,964,000 | |||||||||||||||||||||||||||
net change in deferred loan fees and costs | ||||||||||||||||||||||||||||||||
dividends earned on cra fund | -14,000 | -13,000 | -12,000 | -13,000 | -10,000 | -10,000 | -7,000 | -6,000 | -1,000 | -7,000 | -5,000 | -9,000 | -9,000 | -9,000 | -11,000 | -12,000 | -25,000 | |||||||||||||||
unrealized loss on equity securities | -94,000 | 64,000 | 73,000 | 106,000 | ||||||||||||||||||||||||||||
loan originations, purchases and payments | -134,134,000 | -54,356,000 | -116,427,000 | -90,473,000 | -273,012,000 | -205,130,000 | -300,161,000 | -11,433,000 | -224,668,000 | -242,726,000 | -256,023,000 | -390,546,000 | ||||||||||||||||||||
proceeds from exercise of stock options | 3,964,000 | |||||||||||||||||||||||||||||||
redemption of subordinated debt | 0 | 0 | 0 | -24,712,000 | ||||||||||||||||||||||||||||
loss on sale of securities | ||||||||||||||||||||||||||||||||
proceeds from loans sold | 0 | 0 | 9,968,000 | |||||||||||||||||||||||||||||
proceeds from issuance of common stock | ||||||||||||||||||||||||||||||||
non-cash item: | ||||||||||||||||||||||||||||||||
transfer of loans from held-for-investment to held-for-sale | ||||||||||||||||||||||||||||||||
net depreciation amortization and accretion | 628,000 | 571,000 | 872,000 | -549,000 | 2,596,000 | 1,130,000 | 1,161,000 | 1,736,000 | 944,000 | 1,111,000 | 1,272,000 | 2,209,000 | 766,000 | 1,203,000 | 658,000 | 474,000 | 454,000 | 482,000 | 368,000 | |||||||||||||
net change in deferred loan fees | 189,000 | 2,209,000 | 362,000 | 1,449,000 | 587,000 | 2,301,000 | 1,037,000 | 477,000 | 785,000 | 887,000 | 183,000 | 18,000 | 230,000 | 318,000 | -270,000 | 298,000 | 869,000 | 939,000 | 731,000 | 227,000 | -104,000 | 242,000 | 698,000 | |||||||||
proceeds from issuance of federal funds purchased | -243,000,000 | 48,000,000 | 45,000,000 | |||||||||||||||||||||||||||||
redemptions of other investments | 56,453,000 | 53,998,000 | 20,028,000 | 0 | 2,000 | 0 | 3,000 | 2,000 | -500,000 | 4,680,000 | 0 | 5,399,000 | 5,605,000 | 1,350,000 | 1,000 | 2,134,000 | 1,706,000 | 414,000 | ||||||||||||||
purchases of other investments | -57,893,000 | -58,488,000 | -24,654,000 | -126,000 | -1,371,000 | -3,991,000 | -2,000 | -8,000 | -354,000 | -43,000 | 0 | -46,000 | -1,076,000 | -18,000 | -19,000 | -3,348,000 | -4,925,000 | -2,715,000 | -5,643,000 | -9,000 | -3,910,000 | -3,303,000 | ||||||||||
proceeds from paydowns of securities available-for-sale | 11,310,000 | 9,751,000 | 11,916,000 | |||||||||||||||||||||||||||||
proceeds from paydowns of securities held-to-maturity | 10,625,000 | 8,741,000 | 10,788,000 | 12,212,000 | 11,785,000 | 9,858,000 | ||||||||||||||||||||||||||
benefit from credit losses | 646,000 | |||||||||||||||||||||||||||||||
unrealized (gain) loss on equity securities | -26,000 | -11,000 | ||||||||||||||||||||||||||||||
benefit from loan losses | 2,309,000 | 2,004,000 | 1,950,000 | -2,031,000 | -453,000 | 1,270,000 | 1,477,000 | |||||||||||||||||||||||||
deferred income tax (benefit) expense | ||||||||||||||||||||||||||||||||
(gain) loss on sale of securities | ||||||||||||||||||||||||||||||||
(gain) loss on sale of loans | ||||||||||||||||||||||||||||||||
purchase of derivative contract | 0 | 0 | 0 | -2,980,000 | ||||||||||||||||||||||||||||
proceeds from fhlb advances | 975,050,000 | 0 | 50,000 | 0 | 50,000 | 50,000 | 40,000,000 | 378,000,000 | 260,000,000 | 350,000,000 | 155,017,000 | 47,983,000 | ||||||||||||||||||||
repayments of fhlb advances | -875,050,000 | 0 | -50,000 | 0 | -50,000 | -50,000 | 0 | -104,000,000 | -40,000,000 | -424,000,000 | -285,000,000 | -320,000,000 | -30,017,000 | -50,983,000 | -60,240,000 | -9,198,000 | ||||||||||||||||
accrued interest receivable | -2,167,000 | -2,017,000 | -991,000 | -1,691,000 | 920,000 | -442,000 | -733,000 | -725,000 | -1,376,000 | -2,040,000 | -246,000 | -589,000 | -478,000 | -1,399,000 | -889,000 | -268,000 | -790,000 | -83,000 | 55,000 | |||||||||||||
accounts payable, accrued expenses and other liabilities | 13,195,000 | -12,442,000 | 13,805,000 | -1,718,000 | 7,531,000 | -12,139,000 | -18,908,000 | 24,631,000 | 2,234,000 | 8,546,000 | 2,678,000 | -17,511,000 | 15,398,000 | -1,975,000 | 9,205,000 | -1,196,000 | 1,524,000 | -5,227,000 | 1,660,000 | |||||||||||||
accrued interest payable | 38,000 | 70,000 | -449,000 | -1,325,000 | 1,210,000 | -149,000 | -720,000 | 53,000 | -83,000 | 71,000 | 551,000 | -298,000 | -101,000 | 565,000 | -295,000 | |||||||||||||||||
prepaid expenses and other assets | 31,454,000 | -19,980,000 | -701,000 | 1,705,000 | 3,665,000 | -5,215,000 | 7,958,000 | -8,973,000 | 279,000 | 5,489,000 | 2,471,000 | -460,000 | 1,108,000 | -3,368,000 | 559,000 | 125,000 | -635,000 | -1,823,000 | -141,000 | |||||||||||||
provision for loan losses | 2,400,000 | 3,400,000 | 1,875,000 | 950,000 | ||||||||||||||||||||||||||||
transfer of loans held for investment to held for sale | 9,800,000 | 0 | 4,987,000 | 11,895,000 | ||||||||||||||||||||||||||||
loss on sale of loans | ||||||||||||||||||||||||||||||||
change in global payments balances | -12,730,000 | 376,000 | ||||||||||||||||||||||||||||||
change in accrued interest payable | ||||||||||||||||||||||||||||||||
cash flows from operating activities: | ||||||||||||||||||||||||||||||||
income tax expense | 483,000 | -169,000 | 715,000 | |||||||||||||||||||||||||||||
gain on sale of available-for-sale securities | 0 | 0 | -2,311,000 | -975,000 | ||||||||||||||||||||||||||||
stock-based compensation expense | 1,160,000 | 698,000 | 692,000 | 586,000 | 492,000 | 600,000 | 326,000 | 293,000 | ||||||||||||||||||||||||
gain on sale of loans | 208,000 | 0 | 0 | -18,000 | ||||||||||||||||||||||||||||
cash flows from investing activities: | ||||||||||||||||||||||||||||||||
loan originations, purchases and payments, net of recoveries | -154,329,000 | -212,713,000 | -101,649,000 | -97,548,000 | -126,680,000 | -102,966,000 | -164,027,000 | -234,855,000 | -233,318,000 | |||||||||||||||||||||||
purchases of securities available for sale | -92,984,000 | -136,049,000 | -246,744,000 | -33,550,000 | -148,662,000 | 0 | ||||||||||||||||||||||||||
proceeds from calls of securities available for sale | 0 | 25,000,000 | 0 | 5,000,000 | 0 | |||||||||||||||||||||||||||
proceeds from sales of securities available for sale | 0 | 0 | 0 | 90,447,000 | 20,975,000 | |||||||||||||||||||||||||||
proceeds from paydowns and maturities of securities available for sale | 31,824,000 | 30,084,000 | 25,243,000 | 21,904,000 | 15,136,000 | 12,495,000 | 15,438,000 | 14,750,000 | 5,779,000 | 1,565,000 | 1,042,000 | 1,081,000 | 1,362,000 | 1,401,000 | 1,408,000 | |||||||||||||||||
proceeds from paydowns and maturities of securities held to maturity | 200,000 | 263,000 | 262,000 | 262,000 | 194,000 | 194,000 | ||||||||||||||||||||||||||
cash flows from financing activities: | ||||||||||||||||||||||||||||||||
issuance of common stock | ||||||||||||||||||||||||||||||||
impact of common stock for tax withholdings for restricted stock vesting | ||||||||||||||||||||||||||||||||
repayments of secured borrowings | ||||||||||||||||||||||||||||||||
supplemental information: | ||||||||||||||||||||||||||||||||
unrealized loss of equity securities | -5,000 | 41,000 | ||||||||||||||||||||||||||||||
payments of secured borrowings | -26,000 | -489,000 | -9,724,000 | 251,000 | -1,275,000 | |||||||||||||||||||||||||||
employee and non-employee stock-based expense | 586,000 | 735,000 | 942,000 | 812,000 | ||||||||||||||||||||||||||||
prepaid third-party debit cardholder balances | 6,972,000 | -788,000 | 7,885,000 | 12,776,000 | ||||||||||||||||||||||||||||
receivable from prepaid card programs | -11,097,000 | -114,000 | -8,759,000 | -10,783,000 | 6,179,000 | 276,000 | -17,000 | -8,298,000 | 6,079,000 | -6,708,000 | -66,000 | 2,056,000 | ||||||||||||||||||||
depreciation and amortization | ||||||||||||||||||||||||||||||||
net amortization of premiums on securities and interest rate cap | ||||||||||||||||||||||||||||||||
amortization of subordinated debt issuance costs | ||||||||||||||||||||||||||||||||
benefit from loan and lease losses | ||||||||||||||||||||||||||||||||
employee and non-employee stock-based compensation | ||||||||||||||||||||||||||||||||
deferred income tax benefit | -1,593,000 | 0 | ||||||||||||||||||||||||||||||
gain on sale of securities | ||||||||||||||||||||||||||||||||
unrealized gain of equity securities | ||||||||||||||||||||||||||||||||
loans purchased | ||||||||||||||||||||||||||||||||
proceeds from the sale of loans held for sale | 9,800,000 | 0 | 5,037,000 | 11,895,000 | ||||||||||||||||||||||||||||
purchase of securities available for sale | ||||||||||||||||||||||||||||||||
proceeds from paydowns of securities held to maturity | 223,000 | 172,000 | 178,000 | 221,000 | 219,000 | 208,000 | ||||||||||||||||||||||||||
unrealized gain/loss of equity securities | 0 | -19,000 | -36,000 | -17,000 | ||||||||||||||||||||||||||||
provision (credit) for loan losses | 1,766,000 | 4,790,000 | ||||||||||||||||||||||||||||||
pending settlement of purchases of securities available for sale | ||||||||||||||||||||||||||||||||
accounts receivable | 3,834,000 | -1,696,000 | -1,343,000 | -1,689,000 | 4,580,000 | -2,559,000 | 966,000 | -2,253,000 | 4,927,000 | |||||||||||||||||||||||
net amortization of premiums on securities | ||||||||||||||||||||||||||||||||
loss on call of securities | 0 | 0 | ||||||||||||||||||||||||||||||
change in third-party debit cardholder balances | ||||||||||||||||||||||||||||||||
proceeds from exercise of stock options, net of redemptions | ||||||||||||||||||||||||||||||||
proceeds from secured borrowings | ||||||||||||||||||||||||||||||||
gain on sale of loans held for sale | 0 | |||||||||||||||||||||||||||||||
loss on call of securities' | ||||||||||||||||||||||||||||||||
proceeds from sale of loans held for sale | ||||||||||||||||||||||||||||||||
non-employee stock-based expense | 100,000 | 100,000 | 100,000 | 0 | 220,000 | |||||||||||||||||||||||||||
proceeds from sales and calls of securities available for sale | 0 | |||||||||||||||||||||||||||||||
proceeds from issuance of common stock, net * | -33,000 | |||||||||||||||||||||||||||||||
dividend earned on marketable equity securities | ||||||||||||||||||||||||||||||||
debit card holder balances | 192,000 | 7,838,000 | ||||||||||||||||||||||||||||||
change in fair value of equity securities | -39,000 | |||||||||||||||||||||||||||||||
proceeds from sale of loans | ||||||||||||||||||||||||||||||||
proceeds from issuance of subordinated debt, net of issuance cost | ||||||||||||||||||||||||||||||||
net depreciation, amortization and accretion | ||||||||||||||||||||||||||||||||
net accretion on securities | ||||||||||||||||||||||||||||||||
forfeiture of restricted shares | ||||||||||||||||||||||||||||||||
debit cardholder balances | 6,648,000 | 347,000 | -2,067,000 | |||||||||||||||||||||||||||||
costs incurred from issuance of common stock | ||||||||||||||||||||||||||||||||
redemption of common stock for exercise of stock options and tax withholdings for restricted stock vesting | 60,000 | |||||||||||||||||||||||||||||||
costs incurred from issuance of common stock in prior period | ||||||||||||||||||||||||||||||||
taxes | 4,862,000 | |||||||||||||||||||||||||||||||
net amortization on securities | ||||||||||||||||||||||||||||||||
change in debit card holder balances | ||||||||||||||||||||||||||||||||
proceeds from sales of loans | ||||||||||||||||||||||||||||||||
purchase of securities held to maturity | ||||||||||||||||||||||||||||||||
proceeds from issuance of preferred stock | ||||||||||||||||||||||||||||||||
purchase and retirement of treasury preferred stock | ||||||||||||||||||||||||||||||||
redemption of common stock for exercise of stock options and tax withholdings for resticted stock vesting | ||||||||||||||||||||||||||||||||
redemption of preferred stock | ||||||||||||||||||||||||||||||||
payment of preferred stock dividend | ||||||||||||||||||||||||||||||||
cash and cash equivalents at the beginning of the year | ||||||||||||||||||||||||||||||||
cash and cash equivalents at the end of the year | ||||||||||||||||||||||||||||||||
cash paid during the year for: | ||||||||||||||||||||||||||||||||
non-cash investing and financing activities: | ||||||||||||||||||||||||||||||||
net gains on sales of securities | ||||||||||||||||||||||||||||||||
purchase redemption and retirement of treasury preferred stock |