MVB Financial Corp
(NASDAQ:MVBF)

MVB Financial Corp., together with its subsidiaries, provides banking and mortgage products and services to individuals and corporate clients in the United States. The company operates through three segments: Commercial and Retail Banking; Mortgage Banking; and Financial Holding Company. It offers v...

Website: http://www.mvbbanking.com

Founded: 2004

Full Time Employees: 338

Sector: Financial Services

Industry: Banks-Regional

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Unit: USD	2026-03-31	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	2017-06-30	2017-03-31	2016-12-31	2016-09-30	2016-06-30	2016-03-31	2015-09-30	2015-06-30	2015-03-31	2014-06-30	2014-03-31	2013-12-31	2013-09-30	2013-06-30	2013-03-31	2012-12-31	2012-09-30	2012-06-30	2012-03-31	2011-12-31	2011-09-30	2011-06-30	2011-03-31	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	2007-12-31

interest income
interest and fees on loans	36,873,000	37,524,000	36,009,000	35,293,000	35,037,000	35,971,000	38,851,000	38,590,000	40,216,000	41,589,000	40,030,000	39,321,000	38,695,000	37,509,000	31,789,000	25,837,000	21,448,000	21,107,000	18,530,000	18,753,000	16,892,000	16,935,000	16,976,000	20,149,000	18,939,000	19,385,000	19,238,000	18,569,000	17,662,000	17,691,000	16,364,000	15,122,000	13,291,000	13,522,000	13,275,000	12,538,000	11,882,000	12,516,000	12,484,000	12,587,000	12,431,000	10,584,000	9,839,000	8,913,000	7,831,000	7,039,000	7,914,000	5,008,000	4,927,000	4,908,000	5,027,000	4,855,000	4,635,000	4,588,000	4,403,000	4,306,000	3,987,000	3,750,000	3,673,000	3,449,000	3,254,000	3,092,000	3,006,000	3,021,000	2,952,000	2,865,000	2,909,000	2,950,000
interest on deposits with banks	3,031,000	3,618,000	4,396,000	3,592,000	4,734,000	4,190,000	5,218,000	5,065,000	7,341,000	5,944,000	6,404,000	5,542,000	3,153,000	983,000	114,000	313,000	227,000	174,000	112,000	98,000	122,000
interest on investment securities	4,409,000	3,888,000	3,144,000	2,829,000	2,757,000	2,199,000	1,846,000	1,905,000	1,743,000	1,443,000	1,056,000	1,229,000	1,848,000	1,113,000	897,000	838,000	648,000	574,000	575,000	625,000	631,000
interest on tax-exempt loans and securities	461,000	460,000	671,000	670,000	701,000	698,000	712,000	567,000	730,000	723,000	835,000	939,000	1,067,000	1,097,000	1,103,000	1,102,000	939,000	1,194,000	1,267,000	1,357,000	1,418,000
total interest income	44,774,000	45,490,000	44,220,000	42,384,000	43,229,000	43,058,000	46,627,000	46,127,000	50,030,000	49,699,000	48,325,000	47,031,000	44,763,000	40,702,000	33,903,000	28,090,000	23,262,000	23,049,000	20,484,000	20,833,000	19,063,000	19,353,000	18,627,000	21,774,000	20,699,000	21,230,000	21,038,000	20,470,000	19,623,000	19,586,000	18,176,000	16,944,000	15,054,000	15,086,000	14,630,000	13,814,000	13,068,000	13,638,000	13,523,000	13,580,000	13,382,000	11,416,000	10,694,000	9,787,000	8,997,000	8,250,000	9,074,000	6,014,000	5,743,000	5,714,000	5,846,000	5,618,000	5,411,000	5,379,000	5,179,000	4,921,000	4,570,000	4,338,000	4,334,000	4,189,000	3,983,000	3,781,000	3,743,000	3,653,000	3,536,000	3,405,000	3,367,000	3,387,000
interest expense
interest on deposits	15,310,000	16,193,000	16,836,000	15,783,000	15,682,000	17,330,000	19,214,000	17,630,000	18,931,000	17,597,000	17,460,000	16,450,000	10,153,000	6,185,000	2,974,000	661,000	656,000	795,000	898,000	1,236,000	1,048,000	1,454,000	1,894,000	3,036,000	3,910,000	4,315,000	4,453,000	4,548,000	4,123,000	3,697,000	3,110,000	2,530,000	2,298,000	2,342,000	2,083,000	1,963,000	1,906,000	2,009,000	1,902,000	1,949,000	1,888,000
interest on short-term borrowings and repurchase agreements	22,000	13,000	14,000	24,000	74,000	21,000	19,000	5,000
interest on subordinated debt	858,000	905,000	797,000	797,000	797,000	803,000	809,000	808,000	809,000	810,000	809,000	801,000	799,000	788,000	771,000	760,000	753,000	751,000	481,000	490,000	466,000	183,000	20,000	23,000	35,000	42,000	156,000	287,000	285,000	323,000	333,000	542,000	558,000	568,000	565,000	558,000	551,000	562,000	559,000	553,000	552,000
interest on revolving line of credit	132,000
total interest expense	16,322,000	17,111,000	17,647,000	16,604,000	16,553,000	18,154,000	20,042,000	18,557,000	19,891,000	18,592,000	18,460,000	17,449,000	12,034,000	7,253,000	4,057,000	1,430,000	1,414,000	1,546,000	1,388,000	1,778,000	1,558,000	1,166,000	2,617,000	3,316,000	4,528,000	5,365,000	6,004,000	5,941,000	5,651,000	5,176,000	4,652,000	4,289,000	3,589,000	3,403,000	3,216,000	2,920,000	2,762,000	2,813,000	2,794,000	2,838,000	2,687,000	2,398,000	2,268,000	2,240,000	2,110,000	1,506,000	1,866,000	1,302,000	1,204,000	1,177,000	1,261,000	1,225,000	1,227,000	1,217,000	1,224,000	1,228,000	1,243,000	1,204,000	1,306,000	1,366,000	1,422,000	1,376,000	1,482,000	1,437,000	1,341,000	1,273,000	1,292,000	1,435,000
net interest income	28,452,000	28,379,000	26,573,000	25,780,000	26,676,000	24,904,000	26,585,000	27,570,000	30,139,000	31,107,000	29,865,000	29,582,000	32,729,000	33,449,000	29,846,000	26,660,000	21,848,000	21,503,000	19,096,000	19,055,000	17,505,000	18,187,000	16,010,000	18,458,000	16,171,000	15,865,000	15,034,000	14,529,000	13,972,000	14,410,000	13,524,000	12,655,000	11,465,000	11,683,000	11,414,000	10,894,000	10,306,000	10,825,000	10,729,000	10,742,000	10,695,000	9,018,000	8,426,000	7,547,000	6,887,000	6,744,000	7,208,000	4,712,000	4,539,000	4,537,000	4,585,000	4,393,000	4,184,000	4,162,000	3,955,000	3,693,000	3,327,000	3,134,000	3,028,000	2,823,000	2,561,000	2,405,000	2,261,000	2,216,000	2,195,000	2,132,000	2,075,000	1,952,000
provision for credit losses	1,854,000	1,648,500	4,427,000	1,990,000	177,000				1,997,000				4,576,000
net interest income after provision for credit losses	26,598,000	18,108,750	22,146,000	23,790,000	26,499,000				28,142,000				28,153,000
noninterest income
payment card and service charge income	5,086,000	4,480,000	3,753,000	4,653,000	4,985,000	3,818,000	3,852,000	3,817,000	4,813,000	3,811,000	2,852,000	3,503,000	3,610,000	1,678,000	3,313,000	4,015,000	2,642,000	2,420,000	1,685,000	1,926,000	1,493,000
insurance income	54,000	95,000	87,000	80,000	68,000	80,000	78,000	64,000																																					749,000	958,000
loss on sale of available-for-sale securities
loss on sale of loans				-80,000	-69,000
holding gain on equity securities	669,000	3,444,000	857,000	-374,000		721,000	498,000	14,000		75,000	219,000	160,000		-1,397,000	-61,000	-26,000	-59,000	2,026,000	536,000	699,000	515,000	263,000	94,000	3,000	14,000			13,587,000	180,000	7,000	623,000
compliance and consulting income		21,000	56,000	6,000	501,000	1,110,000	1,291,000	1,274,000	1,000,000	986,000	1,314,000	996,000	1,016,000	4,149,000	3,736,000	3,750,000	3,869,000	3,463,000	3,013,000
equity method investments income	1,966,000	2,796,000	2,395,000	2,315,000	645,000	1,319,000	746,000	484,000		-2,429,000	-750,000	1,873,000	-1,193,000
gain on divestiture activity		8,673,500	34,086,000		608,000
loss on disposal of assets		-101,000	-47,000	-15,000	-342,000
other operating income	434,000	163,000	920,000	1,152,000	920,000	1,457,000	166,000	1,386,000	2,474,000	2,299,000	1,720,000	2,078,000	1,842,000	244,000	887,000	1,827,000	490,000	1,932,000	688,000	1,216,000	1,333,000	340,000	187,000	346,000	464,000	408,000	535,000	396,000	311,000	378,000	435,000	259,000	224,000	359,000	278,000	446,000	192,000	227,000	364,000	126,000	217,000	376,000	76,000	180,000	380,000	374,000	-148,000	750,000	757,000	646,000	639,000	560,000	258,000	188,000	136,000	170,000	126,000	106,000	137,000	95,000	99,000	117,000	53,000	76,000	155,000	56,000	69,000	59,000
total noninterest income	8,209,000	10,701,000	34,612,000	7,945,000	7,008,000	21,280,000	6,657,000	7,142,000	7,834,000	4,438,000	5,791,000	6,419,000	3,067,000	6,324,000	8,191,000	11,909,000	11,870,000	14,543,000	21,951,000	13,644,000	12,458,000	16,076,000	19,398,000	45,513,000	10,850,000	14,756,000	14,696,000	26,387,000	8,765,000	8,295,000	10,511,000	10,795,000	9,039,000	10,157,000	10,158,000	11,567,000	8,824,000	10,066,000	12,526,000	12,001,000	9,676,000	9,954,000	10,534,000	11,411,000	7,374,000	6,007,000
noninterest expenses
salaries and employee benefits	16,152,000	17,372,000	21,399,000	15,801,000	16,412,000	18,795,000	16,722,000	15,949,000	16,489,000	14,863,000	16,016,000	15,746,000	16,746,000	16,902,000	18,316,000	18,983,000	17,961,000	18,110,000	16,528,000	13,661,000	11,911,000
occupancy expense	1,273,000	1,243,000	1,260,000	1,299,000	1,296,000	1,033,000	1,041,000	949,000	864,000	898,000	921,000	1,090,000	792,000	1,042,000	1,130,000	907,000	972,000	1,050,000	1,024,000	1,115,000	1,158,000	1,091,000	1,101,000	1,187,000	1,220,000	1,362,000	1,103,000	1,166,000	1,185,000	1,056,000	1,049,000	1,080,000	1,049,000	1,001,000	1,042,000	1,047,000	994,000	949,000	898,000	901,000	1,010,000	902,000	880,000	875,000	663,000	617,000	456,000	448,000	480,000	430,000	232,000	207,000	209,000	204,000	200,000	182,000	173,000	143,000	144,000	149,000	151,000	146,000	145,000	138,000	144,000	142,000	137,000	136,000
equipment depreciation and maintenance	594,000	590,000	803,000	900,000	979,000	1,017,000	1,130,000	1,218,000	1,216,000	1,211,000	1,439,000	1,451,000	1,457,000	1,545,000	1,519,000	1,267,000	1,226,000	1,145,000	1,250,000	1,206,000	1,041,000	1,036,000	845,000	914,000	877,000	951,000	931,000	904,000	854,000	800,000	834,000	821,000	784,000	791,000	783,000	742,000	689,000	671,000	635,000	586,000	574,000	557,000	484,000	483,000	363,000	372,000
data processing and communications	1,351,000	1,301,000	1,458,000	1,332,000	1,355,000	1,343,000	1,356,000	1,313,000	1,459,000	1,355,000	1,257,000	1,118,000	1,148,000	1,088,000	1,039,000	1,055,000	1,016,000	1,022,000	1,080,000	1,420,000	909,000	1,107,000	1,372,000	1,733,000	1,163,000	1,000,000	1,068,000	969,000	988,000	1,006,000	938,000	962,000	835,000	1,283,000	1,139,000	1,480,000	1,214,000	1,149,000	1,434,000	1,256,000	1,165,000	1,075,000	944,000	926,000
software costs	1,415,000	1,364,000	1,213,000
professional fees	2,460,000	5,100,000	2,954,000	3,481,000	3,581,000	5,770,000	4,649,000	5,192,000	5,737,000	5,763,000	5,682,000	3,948,000	2,951,000	2,837,000	2,684,000	2,529,000	2,821,000	3,913,000	2,665,000	2,450,000	1,742,000	2,522,000	1,606,000	2,994,000	1,331,000	1,974,000	1,316,000	881,000	828,000	1,011,000	1,015,000	788,000	745,000	879,000	851,000	736,000	677,000	427,000	750,000	838,000	705,000	936,000	619,000	662,000
insurance, tax and assessment expense	1,075,000	684,000	920,000	1,078,000	957,000	1,151,000	1,041,000	1,085,000	892,000	1,004,000	1,397,000	1,131,000	904,000	833,000	627,000	614,000	536,000	462,000	532,000	500,000	538,000													394,000	475,000	467,000	461,000	422,000	374,000	359,000	400,000	436,000	419,000	428,000
travel, entertainment, dues and subscriptions	922,000	910,000	751,000	2,195,000	1,508,000	1,878,000	1,782,000	1,433,000	1,551,000	1,404,000	1,362,000	2,137,000	1,922,000	1,643,000	2,034,000	2,343,000	1,978,000	1,567,000	1,437,000	1,204,000	884,000													600,000	562,000	558,000	501,000	513,000	393,000	451,000	395,000	485,000	432,000	320,000
other operating expenses	2,870,000	2,922,000	2,573,000	2,483,000	2,613,000	2,633,000	1,764,000	1,791,000	1,983,000	1,803,000	2,651,000	3,661,000	2,397,000	3,598,000	2,390,000	1,926,000	2,027,000	1,726,000	1,106,000	1,701,000	870,000	2,062,000	1,176,000	1,018,000	837,000	962,000	642,000	617,000	506,000	393,000	526,000	443,000	411,000	398,000	464,000	409,000	381,000	554,000	546,000	285,000	243,000	448,000	420,000	270,000	994,000	856,000	1,359,000	1,065,000	819,000	765,000	744,000	383,000	386,000	342,000	403,000	341,000	352,000	274,000	210,000	313,000	263,000	249,000	286,000	252,000	421,000	229,000	232,000	196,000
total noninterest expense	28,112,000	31,486,000	33,331,000	28,569,000	28,701,000	33,620,000	29,485,000	28,930,000	30,191,000	28,301,000	30,725,000	30,282,000	28,317,000	28,742,000	29,965,000	29,819,000	28,862,000	29,102,000	25,829,000	23,403,000	19,118,000	20,887,000	18,265,000	33,333,000	24,656,000	24,983,000	23,380,000	20,390,000	18,448,000	18,473,000	18,417,000	19,249,000	16,739,000	17,714,000	17,966,000	18,503,000	16,317,000	16,814,000	18,739,000	17,756,000	17,134,000	16,424,000	15,711,000	14,967,000	12,188,000	10,836,000
income before income taxes	6,695,000	7,849,750	23,427,000	3,166,000	4,806,000							9,954,000	2,903,000	8,337,000	2,952,000	3,650,000	3,576,000	8,975,250	14,838,000	10,836,000	10,227,000				1,227,000				3,989,000	2,859,000	4,549,000	3,596,000	3,291,000								2,612,000	1,912,000	2,688,000	3,332,000	1,184,000	1,396,000	738,000	850,000	1,972,000	1,443,000	2,095,000	1,450,000	1,106,000	1,183,000	972,000	929,000	873,000	940,000	942,000	845,000	684,000	561,000	298,000	514,000	517,000	531,000	499,000	-217,000
income taxes	1,511,000	1,226,000	6,291,000	1,164,000	1,247,000	2,795,000	642,000	1,379,000	1,283,000	1,431,000	1,218,000	1,956,000	465,000	540,250	397,000	859,000	905,000
net income, before noncontrolling interest	5,184,000	5,674,250	17,136,000	2,002,000	3,559,000	2,701,750	2,156,000	4,149,000	4,502,000
net loss attributable to noncontrolling interest					18,000	2,000	-76,000	-60,000	-20,000	-5,000	-5,000	114,000	122,000	139,000	163,000	165,000	193,000	160,000	154,000	84,000	27,000
net income attributable to parent	5,184,000	5,678,750	17,136,000	2,002,000	3,577,000	2,662,750	2,080,000	4,089,000	4,482,000	7,911,000	3,867,000	8,112,000	11,342,000	6,509,000	2,718,000	2,956,000	2,864,000	7,290,000	11,828,000	9,247,000	8,085,000
earnings per common shareholder - basic	410	-1,767.89	1,360	160	280	0.208	0.16	0.32	0.35	0.46	0.3	0.64	0.9	175	220	240	240	622.5	1,000	790	700													0.13	0.21	0.21	0.14	0.22	0.25	0.77
earnings per common shareholder - diluted	390	-1,727.94	1,320	150	270	0.203	0.16	0.31	0.34	0.448	0.29	0.63	0.87	165	210	230	220	580	920	730	660													0.12	0.21	0.2	0.14	0.23	0.24	0.63
weighted-average shares outstanding - basic	12,795,271,000	12,775,242	12,615,475,000	12,912,113,000	12,948,178,000	12,890,161	12,927,962	12,883,426	12,810,956	12,694,206	12,722,010	12,689,669	12,623,361	12,279,462,000	12,238,505,000	12,176,805,000	12,093,179,000	11,778,557	11,880,348,000	11,639,237,000	11,530,279,000	11,821,574	11,948,989	11,954,813	11,942,767	11,713,885	11,731,774	11,644,061	11,607,543	11,030,984	11,416,202	10,634,805	10,474,138	10,308,738	10,443,443	10,343,933	9,996,544	8,212,021	8,080,690	8,078,000	8,061,998	8,023,549	7,987,333	7,983,285	7,897,242	7,606,661	6,657,093
weighted-average shares outstanding - diluted	13,191,405,000	13,105,521	13,010,527,000	13,121,436,000	13,181,213,000	13,136,758	13,169,011	13,045,660	13,119,292	12,997,332	13,116,629	12,915,294	13,016,082	12,870,734,000	12,854,951,000	12,895,581,000	12,927,811,000	12,613,620	12,824,309,000	12,612,030,000	12,286,731,000	12,088,106	12,116,418	12,011,845	12,298,092	12,044,667	12,098,335	13,155,302	13,177,281	12,722,003	13,113,259	11,502,148	12,714,353	10,440,228	12,410,070	12,181,433	10,009,341	10,068,733	10,434,344	10,433,120	9,901,250	8,631,700	8,674,241	8,135,058	8,110,791	7,828,143	6,939,028
interest on senior term loan								114,000	150,000	183,000	191,000	198,000	194,000
gain on sale of available-for-sale securities		8,000	-7,495,000	90,000	-42,000				658,000				-1,536,000				650,000	495,000	529,000	1,708,000	1,143,000	49,000	35,000	554,000	276,000	13,000	-11,000	-50,000	-118,000	81,750	1,000
gain on sale of equity securities				118,000				103,000			25,000	-294,000			-156,000	100,000				5,000		3,453,000	18,000	30,000				-7,000
gain on sale of loans						1,012,000	26,000			271,000	330,000	-989,000	-356,000	-2,131,000	1,298,000	1,405,000	1,083,000	1,053,000	908,000	1,447,000
holding loss on equity securities					-266,000				-49,000
provision (release of allowance) for credit losses						331,000	959,000	254,000		-2,103,000	-159,000	-4,235,000
net interest income after provision (release of allowance) for credit losses						24,573,000	25,626,000	27,316,000		33,210,000	30,024,000	33,817,000
loss on divestiture activity										-246,500		-986,000
income from continuing operations, before income taxes						12,233,000	2,798,000	5,528,000	5,785,000													13,162,000	8,512,000	24,042,000		5,406,000	5,693,000	19,926,000						3,090,000	3,510,000	3,435,000	2,295,000	3,420,000	3,441,000	3,712,000
net income from continuing operations						9,438,000	2,156,000	4,149,000	4,502,000	7,916,000	3,872,000	7,998,000	2,438,000									11,838,000	6,491,000	18,034,000		4,095,000	4,346,000	14,931,000						1,423,000	2,318,000	2,260,000	1,574,000	2,307,000	2,310,000	2,458,000
income from discontinued operations, before income taxes													11,831,000														-25,000	600,000												6,516,000
income taxes from discontinued operations										762,250
net income from discontinued operations													8,782,000														-19,000	446,000												4,041,000
earnings per share from continuing operations - basic						0.73	0.16	0.32	0.35	0.62	0.3	0.64	0.2									1.02	0.53	1.5		0.33	0.36	1.27						0.13	0.21	0.21	0.14	0.23	0.25	0.27
earnings per share from discontinued operations - basic													0.7															0.04										-0.01		0.5
earnings per share from continuing operations - diluted						0.72	0.16	0.31	0.34	0.6	0.29	0.63	0.2									0.99	0.53	1.49		0.32	0.35	1.15						0.12	0.21	0.2	0.14	0.24	0.24	0.25
earnings per share from discontinued operations - diluted										0.01			0.67															0.03										-0.01		0.38
interest on short-term borrowings									1,000	2,000			888,000	117,000	312,000	9,000	5,000		9,000	52,000	44,000
insurance and investment services income									66,000	84,000	81,000	78,000	92,000	182,000	195,000	218,000	254,000	296,000	236,000	247,000	224,000	252,000	224,000	189,000	207,000	225,000	179,000	167,000	156,000	176,000	199,000	177,000	164,000	168,000	147,000	124,000	124,000	117,000	128,000	122,000	1,117,000	1,142,000	965,000	1,698,000
loss on derivatives													-100,000
equity method investments loss									-1,128,000
equity method investments gain
income from continuing operations before income taxes										4,486,750	5,090,000
income from discontinued operations before income taxes										2,957,750
net income										7,916,000	3,872,000	7,998,000	11,220,000									11,838,000	6,491,000	18,034,000	1,048,000	4,095,000	4,327,000	15,377,000	3,192,000	2,999,000	3,579,000	2,831,000	2,594,000	1,423,000	2,318,000	2,260,000	1,574,000	2,307,000	2,310,000	6,499,000	1,796,000	1,406,000	1,905,000	2,103,000	969,000	1,158,000	591,000	757,000	1,484,000	1,188,000	1,442,000	1,048,000	817,000	861,000	727,000	673,000	636,000	666,000	682,000	620,000	507,000	428,000	256,000	389,000	382,000	379,000	557,000	-306,000
yoy																						189.08%	50.01%	17.28%	-67.17%	36.55%	20.90%	443.16%	23.05%	110.75%	54.40%	25.27%	64.80%	-38.32%	0.35%	-65.23%	-12.36%	64.08%	21.26%	209.03%	85.35%	21.42%	222.34%	177.81%	-34.70%	-2.53%	-59.02%	-27.77%	81.64%	37.98%	98.35%	55.72%	28.46%	29.28%	6.60%	8.55%	25.44%	55.61%	166.41%	59.38%	32.72%	12.93%	-54.04%	-227.12%
qoq										104.44%	-51.59%	-28.72%										82.38%	-64.01%	1620.80%	-74.41%	-5.36%	-71.86%	381.74%	6.44%	-16.21%	26.42%	9.14%	82.29%	-38.61%	2.57%	43.58%	-31.77%	-0.13%	-64.46%	261.86%	27.74%	-26.19%	-9.42%	117.03%	-16.32%	95.94%	-21.93%	-48.99%	24.92%	-17.61%	37.60%	28.27%	-5.11%	18.43%	8.02%	5.82%	-4.50%	-2.35%	10.00%	22.29%	18.46%	67.19%	-34.19%	1.83%	0.79%	-31.96%	-282.03%
holding (loss) on equity securities													-308,000
equity method investment gain																71,000	1,803,000
income taxes - discontinued operations													3,049,000
provision (release of allowance) for loan losses														2,694,000	5,120,000	5,100,000		-5,733,000	380,000	-1,540,000
net interest income after provision (release of allowance) for loan losses														30,755,000	24,726,000			27,236,000	18,716,000	20,595,000
equity method investment income														166,500	-1,021,000	549,000	1,138,000	3,642,500	3,573,000	4,528,000	6,469,000	10,554,000	13,620,000
gains on acquisition and divestiture activity																			10,783,000
marketing, contributions and sponsorships														186,500	226,000	195,000	325,000	107,000	207,000	146,000	65,000													312,000	263,000	277,000	327,000	251,000	355,000	350,000	299,000	398,000	359,000	337,000
net income before noncontrolling interest														2,004,250	2,555,000	2,791,000	2,671,000	7,223,750	11,674,000	9,163,000	8,058,000
preferred dividends																					35,000	116,000	116,000	115,000	114,000	115,000	121,000	122,000	121,000	123,000	123,000	122,000	121,000	124,000	123,000	122,000	129,000	314,000	314,000	314,000	186,000	145,000	143,000	142,000	22,000	21,000	16,000	21,000	22,000	21,000
net income available to common shareholders														6,509,000	2,718,000	2,956,000	2,864,000	9,961,000	11,828,000	9,247,000	8,050,000	11,722,000	6,375,000	17,919,000	934,000	3,980,000	4,206,000	15,255,000	3,071,000	2,876,000	3,456,000	2,709,000	2,473,000	1,299,000	2,195,000	2,138,000	1,445,000	1,993,000	1,996,000	6,185,000	1,610,000	1,261,000	1,762,000	1,961,000	947,000	1,137,000	570,000	736,000	1,462,000	1,167,000	1,421,000	1,027,000	796,000
net interest income after provision for loan losses																21,560,000	20,568,000				16,887,000	17,973,000	7,379,000	11,862,000	15,033,000	15,633,000	14,377,000	13,929,000	13,672,000	14,118,000	12,455,000	12,050,000	10,991,000	10,647,000	11,318,000	10,371,000	9,788,000	10,168,000	9,654,000	9,467,000	10,070,000												3,509,000	3,487,000	3,453,000	3,102,000	2,997,000	2,834,000
provision for loan losses																	1,280,000				618,000	214,000	8,631,000	6,596,000	1,138,000	232,000	657,000	600,000	300,000	292,000	1,069,000	605,000	474,000	1,036,000	96,000	523,000	518,000	657,000	1,075,000	1,275,000	625,000												675,000	675,000	502,000	591,000	330,000	300,000
mortgage fee income																							7,264,000	14,944,000	11,219,000	13,015,000	11,496,000	9,864,000	6,670,000	7,703,000	9,008,000	9,063,000	6,563,000	8,545,000	10,018,000	8,952,000	9,634,000	8,823,000	10,668,000	9,397,000	6,785,000	8,955,000	8,617,000	6,309,000
gain on derivatives																						-24,000	-7,508,000	13,435,000	-3,562,000	-1,436,000	1,108,000	1,131,000	450,000	-787,000	-728,000	653,000	584,000	-506,000	-1,306,000	1,037,000	-1,947,000	34,000	1,000	1,031,000	401,000	-2,039,000	-143,000	2,249,000	604,000
mortgage processing																							3,000	890,000	851,000	788,000	728,000	716,000	809,000	800,000	867,000	992,000	892,000	752,000	818,000	743,000	894,000	899,000	802,000	793,000	861,000	774,000	790,000	746,000	569,000	546,000	509,000	723,000	678,000
income tax expense																		1,751,500	3,164,000	1,673,000	2,169,000				179,000				797,000	608,000	970,000	765,000	697,000								816,000	506,000	783,000	1,229,000	215,000	238,000	147,000	93,000	488,000	255,000	653,000	402,000	289,000	322,000	245,000	256,000	237,000	274,000	260,000	225,000	177,000	133,000	42,000	125,000	135,000	152,000
compliance consulting income																				1,868,000	1,281,000	1,401,000	1,085,000	941,000	1,009,000
interest on deposits with other banks																						74,250	106,000	80,000	111,000	110,000	132,000	125,000	122,000	119,000	103,000	91,000	90,000	90,000	89,000	82,000	79,000	71,000	81,000	82,000	88,000	71,000	63,000	64,000	51,000	46,000	49,000	54,000	52,000	45,000	48,000	47,000	51,000	58,000	43,000	11,000	13,000	36,000	86,000	115,000	178,000	208,000	216,000	189,000	174,000	120,000	9,000	1,000
interest on investment securities - taxable																						388,500	411,000	477,000	666,000	719,000	689,000	768,000	879,000	925,000	869,000	891,000	895,000	774,000	693,000	645,000	546,000	382,000	342,000	332,000	310,000
interest on tax exempt loans and securities																						796,250	1,134,000	1,068,000	983,000	1,016,000	979,000	1,008,000	960,000	851,000	840,000	840,000	778,000	700,000	573,000	549,000	561,000	669,000	616,000	579,000	553,000	548,000	570,000	571,000	757,000	754,000	680,000	589,000	489,000	482,000	482,000	381,000	318,000	307,000	295,000	211,000	206,000	208,000	219,000	224,000	184,000	178,000	175,000	160,000	137,000	125,000	119,000	105,000
interest on repurchase agreements																						4,750	4,000	5,000	10,000	11,000	12,000	11,000	14,000	7,000	10,000	20,000	19,000	19,000	20,000	19,000	17,000	17,000	17,000	17,000	21,000
interest on fhlb and other borrowings																						381,000	699,000	252,000	573,000	997,000	1,383,000	1,095,000	1,229,000	1,149,000	1,199,000	1,197,000	714,000	474,000	548,000	380,000	288,000	225,000	316,000	319,000	226,000
service charges on deposit accounts																						301,500	470,000	286,000	450,000	424,000	337,000	333,000	315,000	292,000	275,000	281,000	185,000	206,000	207,000	165,000	187,000	207,000	199,000	185,000	173,000	175,000	164,000	132,000	139,000	120,000	134,000	183,000	169,000	137,000	194,000	197,000	178,000	161,000	189,000	178,000	163,000	130,000	160,000	143,000	183,000	172,000	204,000	194,000	218,000	154,000	165,000	187,000
income on bank owned life insurance																						165,750	219,000	221,000	223,000	224,000	224,000	224,000	525,000	224,000	520,000	220,000	218,000	193,000	151,000	155,000	147,000	161,000	158,000	158,000	161,000	160,000	165,000	167,000	127,000		118,000	118,000	132,000	92,000	112,000	75,000	78,000	78,000	81,000	78,000	81,000	47,000	72,000	64,000	65,000	64,000	45,000	50,000	40,000	43,000	45,000	45,000
interchange and debit card transaction fees																						127,500	168,000	242,000	100,000	118,000	150,000	181,000	141,000	114,750	167,000	142,000	150,000
gain on sale of portfolio loans																						75,500	172,000		130,000	292,000	50,000	123,000	55,000	-19,000	5,000		212,000	61,000	265,000	203,000	9,000	204,000	238,000	451,000	149,000	319,000	454,000	346,000
commercial swap fee income																						88,000	12,000	20,000	320,000	571,000	628,000	438,000	80,000	133,000	6,000		413,000
bargain purchase gain																						1,167,750		4,671,000
gain on sale of banking centers																						2,407,750		9,631,000
gain on mortgage combination transaction																						834,500	3,338,000
salary and employee benefits																						12,340,000	10,519,000	22,659,000	16,182,000	15,723,000	15,438,000	13,280,000	11,734,000	11,737,000	11,520,000	12,494,000	10,473,000	11,099,000	11,249,000	11,798,000	9,962,000	10,798,000	12,383,000	11,735,000	11,260,000	10,203,000	10,194,000	9,734,000	7,932,000	6,797,000	5,218,000	7,215,000	7,437,000	6,220,000	1,562,000	2,129,000	2,163,000	1,956,000	1,204,000	1,725,000	1,669,000	1,422,000	875,250	1,267,000	1,088,000	1,146,000	784,750	1,056,000	1,028,000	1,055,000	753,750	1,021,000
marketing, contributions, and sponsorships																						222,750	227,000	328,000	336,000	236,250	437,000	294,000	214,000	241,500	271,000	348,000	347,000
printing, postage, and supplies																						148,750	215,000	203,000	177,000	120,250	174,000	172,000	135,000	149,250	198,000	234,000	165,000
insurance, tax, and assessment expense																						401,750	577,000	566,000	464,000	352,500	418,000	487,000	505,000	333,250	487,000	456,000	390,000
travel, entertainment, dues, and subscriptions																						670,750	624,000	841,000	1,218,000	679,750	1,125,000	904,000	690,000	497,750	712,000	631,000	648,000
income tax expense - continuing operations																						1,324,000	2,021,000	6,008,000		1,311,000	1,347,000	4,995,000						1,667,000	1,192,000	1,175,000	721,000	1,113,000	1,131,000	1,254,000
income tax expense - discontinued operations																											-6,000	154,000												2,475,000
earnings per share - basic																						0.528	0.53	1.5	0.08	0.483	0.36	1.31	0.26	0.2	0.3	0.25	0.24								0.2					0.15
earnings per share - diluted																						0.518	0.53	1.49	0.08	0.47	0.35	1.18	0.26	0.193	0.29	0.25	0.23								0.2					0.15
(loss) on sale of equity securities
cash dividends declared - common shares																										0.031	0.05	0.04
cash dividends declared																													0.035	0.03	0.03	0.025	0.025	0.025	0.025	0.025	0.025	0.02	0.02	0.02	0.02
gain on sale of securities																																	326,000	276,000	105,000	167,000	183,000		479,000	222,000	381,000	4,000	5,000	121,000	125,000		63,000		81,000	1,000	452,000	113,000	7,000	66,000	348,000	129,000	207,000	149,000		32,000	9,000	47,000					4,000
visa debit card and interchange income																																		352,000	293,000	318,000	295,000	293,000	291,000	309,000	292,000	244,000	231,000	209,000
printing, postage and supplies																																		205,000	320,000	246,000	217,000	181,000	169,000	202,000	222,000	210,000	170,000	186,000
income tax benefit - discontinued operations
loss from discontinued operations, before income taxes
net loss from discontinued operations
interest on investment securities – taxable																																										213,000	222,000	239,000						279,000	292,000	335,000	407,000	426,000	275,250	393,000	364,000	344,000	267,750	401,000	367,000	303,000	212,750	283,000	273,000	295,000	251,000	331,000
deposits																																										1,665,000	1,522,000	1,367,000	1,681,000	1,098,000	730,250	1,065,000	949,000	907,000	723,250	974,000	954,000	965,000	727,250	969,000	985,000	955,000	844,750	1,105,000	1,149,000	1,125,000	850,250	1,204,000	1,145,000	1,052,000	929,250	1,147,000
repurchase agreements																																										18,000	20,000	24,000	107,000	126,000	100,500	131,000	148,000	123,000	89,750	116,000	129,000	114,000	89,500	125,000	124,000	109,000	84,500	115,000	122,000	101,000	39,500	81,000	38,000	39,000	63,250	71,000
fhlb and other borrowings																																										159,000	177,000	306,000	296,000	263,000	75,250	86,000	88,000	127,000	87,750	113,000	122,000	116,000	87,250	114,000	114,000
subordinated debt																																										556,000	549,000	543,000	26,000	19,000	14,750	20,000	19,000
benefit from loan losses																																										636,000	561,000	659,000	889,000	519,000	267,000	326,000	667,000	1,000,000	675,000	775,000							340,000	240,000	240,000	280,000	311,000	171,000	152,000	151,000	147,000	147,000
net interest income after benefit from loan losses																																										8,382,000	7,865,000	6,888,000	5,998,000	6,225,000	6,941,000	4,386,000	3,872,000	3,537,000	3,910,000	3,618,000							2,688,000	2,583,000	2,321,000	2,125,000	1,950,000	2,045,000	2,043,000	1,981,000	1,928,000	1,805,000
gain on sale of other real estate owned																																										618,000
noninterest expense
earnings per share – basic																																										0.16	0.22	0.25
earnings per share – diluted																																										0.16	0.22	0.24
interest on investment securities — taxable																																													358,000	411,000	229,250	363,000	275,000
visa debit card income																																													173,000	152,000	148,000	148,000	139,000	123,000	126,000	120,000	114,000	111,000	105,000	106,000	107,000	96,000	98,000	93,000	91,000	79,000	81,000	77,000	66,000	63,000	61,000	66,000
gain on loans held for sale																																													4,992,000	3,784,000
capitalized servicing retained income																																													85,000	156,000	77,000	93,000	318,000	338,000
data processing																																													385,000	380,000	450,000	279,000	246,000	712,000	222,000	173,000	129,000	88,000	160,000	147,000	69,000	36,000	37,000	78,000	137,000	140,000	135,000	138,000	117,000	141,000	146,000	144,000
visa debit card expense																																													139,000	138,000	130,000	132,000	111,000	102,000	92,000	110,000	94,000	91,000	87,000	84,000	84,000	77,000	77,000	79,000	74,000	65,000	65,000	65,000	54,000	54,000	52,000	56,000
advertising																																													347,000	280,000	335,000	540,000	333,000	236,000	69,000	229,000	182,000	167,000	199,000	121,000	87,000	75,000	123,000	73,000	106,000	36,000	81,000	94,000	86,000	48,000	63,000	44,000
legal and accounting fees																																													144,000	220,000	518,000	370,000	183,000	202,000	127,000	85,000	68,000	116,000	340,000	151,000	77,000	64,000	45,000	42,000	44,000	36,000	71,000	34,000	36,000	33,000	33,000	31,000
printing, stationery and supplies																																													116,000	115,000	116,000	137,000	162,000	88,000	59,000	50,000	57,000	34,000	49,000	38,000	48,000	37,000	33,000	31,000	40,000	26,000	23,000	25,000	27,000	23,000	30,000	27,000
consulting fees																																													179,000	211,000	220,000	196,000	105,000	120,000	666,000	132,000	111,000	113,000	117,000	92,000	107,000	92,000
fdic insurance																																													189,000	150,000	125,000	90,000	135,000	139,000	100,000	121,000	54,000	27,000	46,000	79,000	124,000	119,000	128,000	129,000	129,000	137,000	120,000	95,000
travel																																													168,000	154,000
earnings per share — basic																																													0.12
earnings per share — diluted																																													0.12
gain on bank owned life insurance																																														128,000
gain on derivative																																														335,000	105,750		703,000	877,000
other income
income on loans held for sale																																															3,510,000	5,623,000	6,784,000	5,097,000	2,164,000	618,000	638,000	430,000	366,000	318,000	180,000	92,000	262,000	170,000	113,000	89,000	163,000	119,000	232,000	102,000	93,000	122,000
insurance commissions income																																															195,250	781,000
gain on sale of subsidiary																																																626,000
total other income																																															6,110,000	8,046,000	9,083,000	7,311,000	997,500	1,683,000	1,273,000	1,034,000	615,750	979,000	864,000	620,000	431,250	597,000	560,000	568,000	411,000	516,000	710,000	418,000	342,750	479,000
equipment expense																																															229,000	341,000	247,000	328,000	129,500	185,000	177,000	156,000	109,750	152,000	161,000	126,000	87,500	127,000	117,000	106,000	74,250	106,000	92,000	99,000	74,500	102,000
other taxes																																															39,000	46,000	47,000	63,000	46,000	47,000	46,000	44,000	49,000	40,000	37,000	49,000	50,000	47,000	48,000	45,000	44,000	44,000	45,000	44,000	45,000	44,000
basic net income per share after preferred dividends																																															0.258	0.21	0.43	0.4				0.38
diluted net income per share after preferred dividends																																															0.248	0.21	0.42	0.39				0.38
basic weighted-average shares outstanding																																																3,454,396	3,442,509	2,925,547	2,194,325	2,195,761,000	2,186,210,000	2,183,690	2,147,890	2,185,703	2,187,549	2,032,542	1,598,432	1,593,629	1,599,982	1,629,971	1,624,146	1,629,971	1,621,861	1,614,548	1,584,295	1,598,617
diluted weighted-average shares outstanding																																																3,570,408	3,527,274	2,993,342	2,254,617	2,245,818,000	2,236,267,000	2,233,747	2,194,410	2,221,844	2,223,690	2,068,683	1,625,884	1,618,488	1,626,663	1,656,087	1,650,262	1,655,920	1,647,810	1,645,060	1,621,172	1,638,290
cash dividends paid per share																																															0.018
long-term debt																																																		20,000	16,500	22,000	22,000	22,000	15,000	20,000	20,000	20,000	15,500	23,000	20,000	19,000	22,250	24,000	29,000	36,000	39,250	46,000
preferred stock dividends																																																			28,750	21,000	21,000
basic earnings per common share																																																			297.5	470	340
diluted earnings per common share																																																			292.5	460	330
other expense
total other expense																																																					3,676,000	3,338,000	2,163,250	3,152,000	2,988,000	2,514,000
basic net income per share																																																							0.23	0.31	0.29	0.33	0.43	0.39	0.32	0.26	0.16	0.24	0.24	0.24	0.35	-0.19
diluted net income per share																																																							0.228	0.3	0.29	0.32	0.42	0.38	0.31	0.26	0.15	0.23	0.23	0.23	0.34	-0.19
federal home loan bank borrowings																																																										120,000	96,250	123,000	131,000	131,000	100,750	128,000	129,000	146,000	132,500	171,000
loss on silverton bank stock																																																																	186,000
loss on security impairment																																																															46,500				175,000	700,000
income tax expense/																																																																			80,250	89,000

Balance Sheets:

Quarterly

Annual

Unit: USD	2026-03-31	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	2017-03-31	2016-12-31	2016-09-30	2016-06-30	2016-03-31	2015-12-31	2015-09-30	2015-06-30	2015-03-31	2014-06-30	2014-03-31	2013-12-31	2013-09-30	2013-06-30	2013-03-31	2012-12-31	2012-09-30	2012-06-30	2012-03-31	2011-12-31	2011-09-30	2011-06-30	2011-03-31	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	2007-12-31

assets
cash and cash equivalents:
cash and due from banks	9,366,000	10,568,000	10,477,000	8,110,000	6,695,000	7,876,000	4,615,000	3,945,000	4,870,000	6,564,000	8,108,000	8,278,000	7,476,000	5,290,000	6,852,000	5,973,000	4,965,000	8,878,000	9,784,000	25,410,000	19,603,000	19,110,000	21,262,000	28,636,000	25,670,000	18,430,000	22,853,000	18,071,000	15,185,000	14,747,000	18,641,000	20,316,000	17,088,000	16,345,000	17,201,000	16,338,000	14,846,000	15,537,000	10,564,000	15,314,000	14,302,000	16,522,000	11,944,000	15,354,000	18,093,000	17,294,000	28,907,000	27,111,000	27,444,000	14,436,000	21,637,000	11,132,000	12,017,000	11,787,000	9,763,000	10,667,000	18,213,000	2,274,000	3,713,000	2,592,000	2,440,000	2,381,000	2,321,000	2,531,000	7,008,000	4,754,000	4,710,000	7,574,000	4,926,000
interest-bearing balances with banks	168,269,000	233,557,000	289,565,000	391,269,000	244,755,000	310,037,000	606,296,000	451,572,000	635,556,000	391,665,000	578,992,000	447,557,000	567,789,000	34,990,000	73,094,000	155,788,000	349,007,000	298,559,000	380,297,000	307,361,000	320,013,000	244,783,000
total cash and cash equivalents	177,635,000	244,125,000	300,042,000	399,379,000	251,450,000	317,913,000	610,911,000	455,517,000	640,426,000	398,229,000	587,100,000	455,835,000	575,265,000	40,280,000	79,946,000	161,761,000	353,972,000	307,437,000	390,081,000	332,771,000	339,616,000	263,893,000	295,823,000	78,854,000	88,874,000	28,002,000	36,568,000	21,209,000	17,958,000	22,221,000	22,045,000	23,950,000	23,630,000	20,305,000	20,272,000	18,278,000	17,340,000	28,804,000	28,762,000	28,726,000	29,133,000	25,135,000	14,014,000	26,545,000	28,119,000	32,612,000	39,843,000
investment securities available-for-sale	421,729,000	410,510,000	324,709,000	396,555,000	419,617,000	411,640,000	374,828,000	361,254,000	349,678,000	345,275,000	311,537,000	329,137,000	339,578,000	379,814,000	366,742,000	376,737,000	395,301,000	421,466,000	439,023,000	450,772,000	423,122,000	410,624,000													187,348,000
equity securities	51,459,000	50,643,000	44,199,000	43,923,000	44,317,000	42,583,000	41,760,000	41,261,000	41,037,000	41,086,000	40,835,000	41,082,000	38,576,000	38,744,000	34,101,000	34,250,000	34,447,000	32,402,000	29,809,000	32,215,000	28,200,000	27,585,000	24,164,000	19,464,000	19,026,000	18,514,000	18,414,000	18,364,000	9,841,000	9,599,000	9,592,000	6,969,000	6,979,000
loans receivable	2,403,739,000	2,343,163,000	2,259,386,000	2,153,309,000	2,063,296,000	2,100,131,000	2,171,272,000	2,206,793,000	2,267,310,000	2,317,594,000	2,270,433,000	2,312,387,000	2,361,153,000	2,372,645,000	2,471,395,000	2,215,114,000	1,897,853,000	1,869,838,000	1,764,186,000	1,697,326,000	1,694,385,000	1,453,744,000
allowance for credit losses	-22,605,000	-21,827,000	-23,322,000	-20,785,000	-19,165,000	-19,663,000	-21,499,000	-22,084,000	-22,804,000	-22,124,000	-24,276,000	-30,294,000	-35,513,000
premises and equipment	10,071,000	10,379,000	10,351,000	10,877,000	11,489,000	12,475,000	18,838,000	19,540,000	19,968,000	20,928,000	21,468,000	22,407,000	22,869,000	23,653,000	24,668,000	25,272,000	25,357,000	25,052,000	25,043,000	21,033,000	27,290,000	26,203,000	26,176,000	24,586,000	22,329,000	21,974,000	25,446,000	25,691,000	25,922,000	26,545,000	26,706,000	26,418,000	26,477,000	26,686,000	27,189,000	26,079,000	25,081,000	25,440,000	25,846,000	26,377,000	26,275,000						16,919,000
bank-owned life insurance	56,815,000	56,270,000	55,726,000	46,058,000	45,754,000	45,455,000	45,154,000	44,856,000	44,569,000	44,287,000	44,109,000	43,746,000	43,499,000	43,239,000	42,992,000	42,744,000	42,500,000	42,257,000	42,011,000	41,762,000	41,512,000	41,262,000
equity method investments	88,809,000	86,823,000	83,922,000	81,423,000	79,004,000	78,255,000	77,172,000	75,835,000	76,190,000	75,754,000	76,967,000	76,413,000	75,149,000	76,223,000	37,871,000	39,787,000	43,063,000	40,013,000	38,935,000
accrued interest receivable and other assets	134,646,000	128,832,000	177,940,000	113,269,000	123,925,000	137,637,000	100,320,000	105,032,000	131,016,000	89,386,000	98,969,000	91,287,000	108,569,000	90,975,000	84,757,000	95,157,000	104,401,000	65,543,000	71,353,000	73,362,000	64,142,000	72,300,000	75,353,000	84,439,000	67,892,000	53,142,000	57,251,000	49,385,000	48,129,000	34,207,000	33,144,000	36,415,000	33,399,000	27,023,000	25,922,000	21,335,000	24,100,000	23,685,000	27,143,000	22,554,000	25,204,000	19,681,000	22,617,000	20,019,000	21,310,000	20,739,000	17,393,000	17,555,000	16,978,000	16,355,000	9,734,000	7,595,000	7,303,000	7,028,000	6,806,000	13,993,000	13,297,000	13,441,000	12,461,000	12,143,000	12,132,000	12,325,000	13,051,000	10,928,000	10,675,000	10,173,000	9,809,000	9,169,000	8,574,000
total assets	3,322,298,000	3,308,918,000	3,232,953,000	3,224,008,000	3,019,687,000	3,128,704,000	3,418,756,000	3,288,004,000	3,547,390,000	3,313,882,000	3,437,583,000	3,351,847,000	3,551,876,000	3,068,850,000	3,139,922,000	2,984,428,000	2,893,464,000	2,792,449,000	2,788,824,000	2,734,540,000	2,646,089,000	2,331,476,000	2,214,459,000	2,215,157,000	2,099,680,000	1,944,114,000	1,961,952,000	1,833,018,000	1,789,908,000	1,750,969,000	1,723,104,000	1,685,419,000	1,581,518,000	1,534,302,000	1,471,590,000	1,433,951,000	1,418,804,000	1,468,595,000	1,484,962,000	1,432,640,000	1,384,476,000	1,306,529,000	1,253,066,000	1,194,973,000	1,062,621,000	997,425,000	987,060,000	853,138,000	781,979,000	756,599,000	726,769,000	613,631,000	588,195,000	572,368,000	533,481,000	520,179,000	454,361,000	449,479,000	414,267,000	417,454,000	394,341,000	379,027,000	352,762,000	342,016,000	305,791,000	286,711,000	258,706,000	245,875,000	230,098,000
liabilities and stockholders’ equity
deposits:
noninterest-bearing	1,011,098,000	1,144,682,000	1,027,231,000	1,050,104,000	1,033,056,000	940,994,000	989,144,000	983,809,000	1,391,070,000	1,197,272,000	1,093,903,000	987,555,000	1,134,257,000	1,231,544,000	1,411,772,000	1,342,916,000	1,308,998,000	1,120,433,000	999,328,000	932,660,000	837,221,000	715,791,000
interest-bearing	1,886,246,000	1,697,364,000	1,748,847,000	1,754,319,000	1,550,742,000	1,752,621,000	2,012,504,000	1,899,043,000	1,754,259,000	1,704,204,000	1,944,986,000	1,971,384,000	2,016,558,000	1,338,938,000	1,285,186,000	1,272,054,000	1,200,081,000	1,257,172,000	1,399,612,000	1,296,515,000	1,379,332,000	1,266,598,000
total deposits	2,897,344,000	2,842,046,000	2,776,078,000	2,804,423,000	2,583,798,000	2,693,615,000	3,001,648,000	2,882,852,000	3,145,329,000	2,901,476,000	3,038,889,000	2,958,939,000	3,150,815,000	2,570,482,000	2,696,958,000	2,614,970,000	2,509,079,000	2,377,605,000	2,398,940,000	2,229,175,000	2,216,553,000	1,982,389,000	1,898,957,000	1,863,963,000	1,598,239,000	1,265,042,000	1,456,404,000	1,377,737,000	1,430,659,000	1,309,154,000	1,379,186,000	1,195,868,000	1,153,907,000	1,159,580,000	1,165,199,000	1,136,466,000	1,107,017,000	1,126,790,000	1,067,242,000	1,091,568,000	1,012,314,000	1,018,255,000	890,969,000	866,308,000	747,044,000	754,640,000	695,811,000	620,010,000	531,338,000	520,263,000	486,519,000	471,231,000	457,740,000	440,254,000	390,545,000	377,885,000	348,927,000	351,121,000	300,434,000	316,996,000	300,461,000	287,392,000	264,531,000	254,436,000	240,918,000	223,256,000	173,065,000	171,473,000	157,448,000
accrued interest payable and other liabilities	31,559,000	55,539,000	52,172,000	40,331,000	47,938,000	52,032,000	35,428,000	32,460,000	26,272,000	37,917,000	40,872,000	31,564,000	41,329,000	41,556,000	42,144,000	32,238,000	35,328,000	55,126,000	39,079,000	35,274,000	36,612,000	55,931,000	41,417,000	72,145,000	58,196,000	41,685,000	44,083,000	41,752,000	33,416,000	17,706,000	16,763,000	15,890,000	15,620,000	16,434,000	14,442,000	12,930,000	16,557,000	19,600,000	21,121,000	14,655,000	13,291,000						6,878,000
repurchase agreements	4,429,000	3,339,000	2,975,000	3,027,000	4,047,000	2,759,000	4,755,000	2,366,000	3,810,000	4,821,000	4,502,000	4,798,000	5,419,000	10,037,000	9,910,000	11,152,000	12,101,000	11,385,000	11,139,000	11,361,000	10,613,000	10,266,000	10,045,000	9,815,000	9,346,000	10,172,000	9,460,000	9,429,000	12,553,000	14,925,000	15,755,000	20,240,000	20,676,000	22,403,000	25,045,000	21,695,000	25,160,000	27,192,000	26,048,000	29,561,000	27,437,000	26,562,000	26,263,000	26,122,000	36,521,000	71,498,000	81,578,000	86,147,000	82,956,000	69,761,000	70,234,000	69,264,000	64,320,000	66,905,000	77,835,000	77,826,000	50,222,000	43,982,000	47,623,000	54,583,000	45,107,000	38,478,000	35,641,000	38,900,000	16,598,000	18,400,000	21,904,000	19,199,000	19,817,000
subordinated debt	34,046,000	74,026,000	73,976,000	73,912,000	73,850,000	73,787,000	73,725,000	73,663,000	73,602,000	73,540,000	73,478,000	73,414,000	73,350,000	73,286,000	73,222,000	73,158,000	73,094,000	73,030,000	72,966,000	43,480,000	43,443,000	43,407,000	4,124,000	4,124,000	4,124,000	4,124,000	4,124,000	16,524,000	17,524,000	17,524,000	18,524,000	20,796,000	33,524,000	33,524,000	33,524,000	33,524,000	33,524,000	33,524,000	33,524,000	33,524,000	33,524,000	33,524,000	33,524,000	33,524,000	33,437,000	4,124,000	4,124,000	4,124,000	4,124,000	4,124,000	4,124,000				4,124,000
revolving line of credit	20,000,000
total liabilities	2,987,378,000	2,974,950,000	2,905,201,000	2,921,693,000	2,709,633,000	2,822,913,000	3,115,556,000	2,991,341,000	3,255,562,000	3,024,540,000	3,166,214,000	3,077,550,000	3,280,560,000	2,807,459,000	2,895,562,000	2,731,518,000	2,629,602,000	2,517,146,000	2,522,124,000	2,485,140,000	2,409,406,000	2,091,993,000	1,980,343,000	1,986,657,000	1,888,527,000	1,732,178,000	1,755,712,000	1,632,342,000	1,609,036,000	1,574,196,000	1,552,228,000	1,519,624,000	1,431,097,000	1,384,110,000	1,322,613,000	1,295,226,000	1,273,179,000	1,343,218,000	1,360,943,000	1,315,575,000	1,269,764,000	1,192,400,000	1,139,792,000	1,083,386,000	952,254,000	898,114,000	893,038,000	770,192,000	699,456,000	674,606,000	659,220,000	562,809,000	538,512,000	523,830,000	485,749,000	471,960,000	415,487,000	411,626,000	383,498,000	388,634,000	366,327,000	351,597,000	325,624,000	314,979,000	279,171,000	260,492,000	232,870,000	220,392,000	206,573,000
stockholders’ equity
common stock - par value 1; 40,000,000 shares authorized as of march 31, 2026 and december 31, 2025; 14,173,731 and 12,846,646 shares issued and outstanding, respectively, as of march 31, 2026 and 14,042,683 and 12,715,598 shares issued and outstanding, respectively, as of december 31, 2025	14,174,000
additional paid-in capital	172,397,000	170,380,000	167,608,000	166,078,000	165,559,000	164,677,000	163,532,000	162,880,000	162,502,000	160,488,000	159,717,000	158,572,000	157,844,000	157,152,000	146,950,000	145,480,000	144,968,000	143,521,000	140,235,000	132,821,000	130,337,000	129,119,000	124,474,000	123,848,000	123,049,000	122,516,000	120,918,000	118,948,000	117,408,000	116,897,000	115,497,000	112,321,000	100,108,000	98,698,000	98,391,000	93,560,000	93,412,000	74,653,000	74,472,000	74,309,000	74,228,000	74,123,000	74,450,000	74,441,000	74,161,000	73,190,000	68,518,000	62,002,000	61,912,000	61,646,000	48,750,000	32,976,000	32,936,000	32,643,000	32,603,000	32,574,000	32,543,000	32,529,000	23,864,000	20,518,000	20,464,000	20,460,000	20,457,000	20,453,000	20,449,000	20,335,000	20,175,000	20,119,000	18,450,000
retained earnings	193,413,000	190,414,000	188,350,000	173,350,000	173,557,000	172,181,000	164,978,000	165,096,000	163,199,000	160,862,000	155,117,000	153,414,000	147,465,000	144,911,000	140,546,000	139,904,000	139,024,000	138,219,000	130,066,000	119,910,000	112,068,000	105,171,000	94,496,000	89,197,000	72,354,000	72,496,000	69,349,000	65,728,000	50,937,000	48,274,000	45,745,000	42,636,000	40,190,000	37,236,000	36,197,000	32,387,000	31,192,000	29,361,000	27,526,000	21,503,000	20,054,000	18,958,000	17,858,000	16,416,000	15,110,000	14,480,000	13,343,000	12,920,000	12,178,000	10,955,000	9,945,000	8,678,000	7,651,000	7,060,000	6,220,000	5,792,000	5,119,000	4,483,000	4,643,000	7,472,000	6,852,000	6,345,000	5,917,000	5,822,000	5,433,000	5,051,000	4,671,000	4,273,000	4,140,000
accumulated other comprehensive loss	-18,061,000	-13,866,000	-15,239,000	-27,869,000	-26,119,000	-28,231,000	-22,459,000	-28,386,000	-30,799,000	-28,831,000	-40,251,000	-34,464,000	-30,938,000	-37,704,000	-39,977,000	-29,420,000	-17,162,000						-1,252,000	-2,193,000	-2,238,000	-1,321,000	-2,142,000	-2,514,000	-5,889,000	-6,806,000	-8,704,000	-7,301,000	-7,217,000	-2,988,000	-2,857,000	-4,020,000	-4,277,000	-2,022,000	-1,358,000	-2,126,000	-2,933,000	-2,315,000	-2,332,000	-2,554,000							-1,495,000				-742,000				-263,000				-343,000				-315,000		-405,000
treasury stock	-27,003,000	-27,003,000	-26,859,000	-23,121,000	-16,741,000	-16,741,000	-16,741,000	-16,741,000	-16,741,000	-16,741,000	-16,741,000	-16,741,000	-16,741,000	-16,741,000	-16,741,000	-16,741,000	-16,741,000	-16,741,000	-16,741,000	-16,741,000	-16,741,000	-16,741,000	-3,005,000	-1,752,000	-1,344,000	-1,084,000	-1,084,000	-1,084,000	-1,084,000	-1,084,000	-1,084,000	-1,084,000	-1,084,000	-1,084,000	-1,084,000	-1,084,000	-1,084,000	-1,084,000	-1,084,000	-1,084,000	-1,084,000	-1,084,000	-1,084,000	-1,084,000						-1,084,000	-1,084,000	-1,084,000	-1,084,000	-1,084,000	-1,084,000	-1,084,000	-1,006,000	-1,006,000	-1,006,000	-826,000	-800,000	-622,000	-522,000	-523,000	-523,000	-496,000	-299,000	-199,000	-168,000
total stockholders' equity	334,920,000	333,968,000	327,752,000	302,315,000	310,054,000	305,791,000	303,200,000	296,663,000	291,828,000	289,342,000	271,369,000	274,297,000	271,316,000	261,391,000	244,360,000	252,910,000	263,862,000	275,303,000	266,700,000	249,400,000	236,683,000																														67,549,000
total liabilities and stockholders’ equity	3,322,298,000	3,308,918,000	3,232,953,000	3,224,008,000	3,019,687,000	3,128,704,000	3,418,756,000	3,288,004,000	3,547,390,000	3,313,882,000	3,437,583,000	3,351,847,000	3,551,876,000	3,068,850,000	3,139,922,000	2,984,428,000	2,893,464,000	2,792,449,000	2,788,824,000	2,734,540,000	2,646,089,000	2,331,476,000	2,214,459,000	2,215,157,000	2,099,680,000	1,944,114,000	1,961,952,000	1,833,018,000	1,789,908,000	1,750,969,000	1,723,104,000	1,685,419,000	1,581,518,000	1,534,302,000	1,471,590,000	1,433,951,000	1,418,804,000	1,468,595,000	1,484,962,000	1,432,640,000	1,384,476,000	1,306,529,000	1,253,066,000	1,194,973,000	1,062,621,000	997,425,000	987,060,000	853,138,000	781,979,000	756,599,000		613,631,000	588,195,000	572,368,000	533,481,000	520,179,000	454,361,000	449,479,000	414,267,000	417,454,000	394,341,000	379,027,000	352,762,000	342,016,000	305,791,000	286,711,000	258,706,000	245,875,000	230,098,000
assets held-for-sale						2,278,000
liabilities held-for-sale						720,000
common stock - par value 1; 40,000,000 shares authorized; 14,042,683 and 12,715,598 shares issued and outstanding, respectively, as of december 31, 2025 and 13,793,311 and 12,945,295 shares issued and outstanding, respectively, as of december 31, 2024		14,043,000
total equity attributable to parent		333,968,000	327,752,000	302,315,000	310,054,000	305,679,000	303,086,000	296,625,000	291,850,000	289,384,000	271,416,000	274,349,000	271,131,000	261,084,000	243,913,000	252,300,000	263,080,000	274,328,000	265,565,000	248,611,000	236,210,000
noncontrolling interest						112,000	114,000	38,000	-22,000	-42,000	-47,000	-52,000	185,000	307,000	447,000	610,000	782,000	975,000	1,135,000	789,000	473,000
common stock - par value 1; 40,000,000 shares authorized as of september 30, 2025 and december 31, 2024; 13,891,704 and 12,570,104 shares issued and outstanding, respectively, as of september 30, 2025 and 13,793,311 and 12,945,295 shares issued and outstanding, respectively, as of december 31, 2024			13,892,000
common stock - par value 1; 40,000,000 shares authorized as of june 30, 2025 and december 31, 2024; 13,877,256 and 12,714,660 shares issued and outstanding, respectively, as of june 30, 2025 and 13,793,311 and 12,945,295 shares issued and outstanding, respectively, as of december 31, 2024				13,877,000
common stock - par value 1; 40,000,000 shares authorized as of march 31, 2025 and december 31, 2024; 13,798,311 and 12,950,295 shares issued and outstanding, respectively, as of march 31, 2025 and 13,793,311 and 12,945,295 shares issued and outstanding, respectively, as of december 31, 2024					13,798,000
loans held-for-sale										629,000	7,603,000	7,009,000	19,893,000	23,126,000	19,977,000	11,856,000	9,161,000					1,062,000
senior term loan									6,549,000	6,786,000	8,473,000	8,835,000	9,647,000	9,765,000
common stock - par value 1; 40,000,000 shares authorized; 13,793,311 and 12,945,295 shares issued and outstanding, respectively, as of december 31, 2024 and 13,606,399 and 12,758,383 shares issued and outstanding, respectively, as of december 31, 2023						13,793,000
common stock - par value 1; 40,000,000 shares authorized as of september 30, 2024 and december 31, 2023; 13,775,978 and 12,927,962 shares issued and outstanding, respectively, as of september 30, 2024 and 13,606,399 and 12,758,383 shares issued and outstanding, respectively, as of december 31, 2023							13,776,000
common stock - par value 1; 40,000,000 shares authorized as of june 30, 2024 and december 31, 2023; 13,775,978 and 12,927,962 shares issued and outstanding, respectively, as of june 30, 2024 and 13,606,399 and 12,758,383 shares issued and outstanding, respectively, as of december 31, 2023								13,776,000
common stock - par value 1; 40,000,000 shares authorized as of march 31, 2024 and december 31, 2023; 13,688,899 and 12,840,883 shares issued and outstanding, respectively, as of march 31, 2024 and 13,606,399 and 12,758,383 shares issued and outstanding, respectively, as of december 31, 2023									13,689,000
assets from discontinued operations
goodwill										2,838,000	2,838,000	2,838,000	2,838,000	3,988,000	3,988,000	3,988,000	3,988,000	3,988,000	3,988,000	4,119,000	2,350,000	2,350,000	2,350,000	19,232,000	19,630,000	19,630,000	19,630,000	18,480,000	18,480,000	18,480,000	18,480,000	18,480,000	18,480,000	18,480,000	18,480,000	18,480,000	18,480,000	18,480,000	18,480,000	18,480,000	18,480,000	18,480,000	17,779,000	17,779,000	17,779,000	17,779,000	17,779,000	17,622,000	17,622,000	17,622,000	17,622,000
fhlb and other borrowings														102,333,000	73,328,000					100,000	102,185,000		25,800,000	36,610,000	30,815,000	222,885,000	241,641,000	186,900,000	114,884,000	214,887,000	122,000,000	266,830,000	207,370,000	152,169,000	84,403,000	90,611,000	90,921,000	136,112,000	213,008,000	146,267,000	183,198,000	102,468,000	178,245,000	145,243,000	125,769,000	60,480,000	104,647,000				91,617,000				9,767,000				28,614,000
liabilities from discontinued operations
common stock - par value 1; 40,000,000 shares authorized; 13,606,399 and 12,758,383 shares issued and outstanding, respectively, as of december 31, 2023 and 13,466,281 and 12,618,265 shares issued and outstanding, respectively, as of december 31, 2022										13,606,000
common stock - par value 1; 40,000,000 and 20,000,000 shares authorized as of september 30, 2023 and december 31, 2022, respectively; 13,574,239 and 12,726,223 shares issued and outstanding, respectively, as of september 30, 2023 and 13,466,281 and 12,618,265 shares issued and outstanding, respectively, as of december 31, 2022											13,574,000
common stock - par value 1; 40,000,000 and 20,000,000 shares authorized as of june 30, 2023 and december 31, 2022, respectively; 13,567,839 and 12,719,823 shares issued and outstanding, respectively, as of june 30, 2023 and 13,466,281 and 12,618,265 shares issued and outstanding, respectively, as of december 31, 2022												13,568,000
common stock - par value 1; 20,000,000 shares authorized; 13,501,197 and 12,653,181 shares issued and outstanding, respectively, as of march 31, 2023 and 13,466,281 and 12,618,265 shares issued and outstanding, respectively, as of december 31, 2022													13,501,000
certificates of deposit with banks																496,000	2,229,000	2,719,000	9,582,000	11,803,000	11,803,000	11,803,000
allowance for loan losses														-23,837,000	-26,515,000	-22,734,000	-18,808,000	-18,266,000	-25,187,000	-24,882,000	-26,214,000	-25,844,000
common stock - par value 1; 20,000,000 shares authorized; 13,466,281 and 12,618,265 shares issued and outstanding, respectively, as of december 31, 2022 and 12,934,966 and 12,086,950 shares issued and outstanding, respectively, as of december 31, 2021														13,466,000
common stock - par value 1;20,000,000 shares authorized; 13,134,951 and 12,286,935 shares issued and outstanding, respectively, as of september 30, 2022 and 12,934,966 and 12,086,950 shares issued and outstanding, respectively, as of december 31, 2021															13,135,000
common stock - par value 1; 20,000,000 shares authorized; 13,077,044 and 12,229,028 shares issued and outstanding, respectively, as of june 30, 2022 and 12,934,966 and 12,086,950 shares issued and outstanding, respectively, as of december 31, 2021																13,077,000
common stock - par value 1; 20,000,000 shares authorized; 12,991,140 and 12,143,124 shares issued and outstanding, respectively, as of march 31, 2022 and 12,934,966 and 12,086,950 shares issued and outstanding, respectively, as of december 31, 2021																	12,991,000
preferred stock - par value 1,000; 20,000 shares authorized; no shares issued and outstanding as of december 31, 2021 and 733 shares issued and outstanding as of december 31, 2020
common stock - par value 1; 20,000,000 shares authorized; 12,934,966 and 12,086,950 shares issued and outstanding, respectively, as of december 31, 2021 and 12,374,322 and 11,526,306 shares issued and outstanding, respectively, as of december 31, 2020																		12,935,000
accumulated other comprehensive income																		-3,606,000	-815,000	-1,000	-1,892,000	2,226,000																																		202,000		-388,000		22,000	-131,000	-382,000		-344,000	-368,000	-289,000		-309,000
preferred stock - par value 1,000; 20,000 shares authorized; no shares issued and outstanding as of september 30, 2021 and 733 shares issued and outstanding as december 31, 2020
common stock - par value 1; 20,000,000 shares authorized; 12,820,220 and 11,972,204 shares issued and outstanding, respectively, as of september 30, 2021 and 12,374,322 and 11,526,306 shares issued and outstanding, respectively, as of december 31, 2020																			12,820,000
equity method investment																				34,771,000	39,883,000	46,494,000	39,340,000
assets of branches held-for-sale																				59,488,000
liabilities of branches held-for-sale																				165,750,000
preferred stock - par value 1,000; 20,000 shares authorized; no shares issued and outstanding as of june 30, 2021 and 733 shares issued and outstanding as december 31, 2020
common stock - par value 1; 20,000,000 shares authorized; 12,622,075 and 11,774,059 shares issued and outstanding, respectively, as of june 30, 2021 and 12,374,322 and 11,526,306 shares issued and outstanding, respectively, as of december 31, 2020																				12,622,000
preferred stock - par value 1,000; 20,000 shares authorized; no shares issued and outstanding as of march 31, 2021 and 733 shares issued and outstanding as december 31, 2020
common stock - par value 1; 20,000,000 shares authorized; 12,438,061 and 11,590,045 shares issued and outstanding, respectively, as of march 31, 2021 and 12,374,322 and 11,526,306 shares issued and outstanding, respectively, as of december 31, 2020																					12,438,000
deposits of branches held-for-sale
preferred stock - par value 1,000; 20,000 shares authorized; 733 shares issued and outstanding as of december 31, 2020 and december 31, 2019																						7,334,000
common stock - par value 1; 20,000,000 shares authorized; 12,374,322 and 11,526,306 shares issued and outstanding, respectively, as of december 31, 2020 and 11,995,366 and 11,944,289 shares issued and outstanding, respectively, as of december 31, 2019																						12,374,000
total stockholders’ equity																						239,483,000	234,116,000	228,500,000	211,153,000	211,936,000	206,240,000	200,676,000	180,872,000	176,773,000	170,876,000	165,795,000	150,421,000	150,192,000	148,977,000	138,725,000	145,625,000	125,377,000	124,019,000	117,065,000	114,712,000	114,129,000	113,274,000	111,587,000	110,367,000	99,311,000	94,022,000	82,946,000	82,523,000	81,993,000		50,822,000	49,683,000	48,538,000	47,732,000	48,219,000	38,874,000	37,853,000	30,769,000	28,820,000	28,014,000	27,430,000	27,138,000	27,037,000	26,620,000	26,219,000	25,836,000	25,483,000	23,525,000
interest bearing balances with banks																							274,561,000	50,218,000	63,204,000	9,572,000	13,715,000	3,138,000	2,773,000	7,474,000	3,404,000	3,634,000	6,542,000	3,960,000	3,071,000	1,940,000	2,494,000	13,267,000	18,198,000	13,412,000	14,831,000						10,936,000				3,703,000				278,000			26,084,000	10,091,000			24,737,000	3,935,000				40,000		490,000
certificates of deposit with other banks																							12,301,000	13,046,000	12,549,000	12,549,000	13,541,000	14,530,000	14,778,000	14,778,000	14,778,000	14,778,000	14,778,000	14,778,000	14,778,000	14,527,000	14,527,000	7,174,000	13,150,000	13,150,000	13,150,000						9,427,000				9,427,000				9,918,000				17,734,000				49,442,000				7,000,000
investment securities available-for-sale, at fair value																							297,964,000	220,699,000	223,101,000		226,064,000	215,587,000
loans held for sale																							2,271,000	242,089,000	186,128,000	109,788,000	159,961,000	119,906,000	65,955,000	75,807,000	63,706,000	98,799,000	51,280,000	66,794,000	69,057,000	71,921,000	90,174,000	123,109,000	131,671,000	98,876,000	102,623,000	73,047,000	116,307,000	125,802,000	69,209,000	50,201,000	89,186,000	46,655,000	76,696,000	73,395,000	85,529,000	4,883,000	2,647,000	4,375,000	7,147,000	3,352,000	2,042,000	696,000	1,839,000	2,524,000	1,439,000	1,742,000	1,764,000	2,284,000	3,467,000	1,434,000	1,115,000	575,000	217,000
loans:																							1,428,593,000	1,494,672,000	1,396,578,000		1,382,375,000	1,326,682,000	1,341,218,000		1,296,460,000	1,215,072,000	1,157,173,000		1,094,467,000	1,076,782,000	1,052,865,000	1,076,073,000	1,087,506,000	1,075,606,000	1,032,170,000	994,833,000	911,085,000	831,285,000	734,254,000	675,558,000	622,305,000	522,146,000	474,854,000	456,582,000	446,443,000	446,215,000	424,089,000	400,353,000	373,822,000	357,830,000	329,480,000	305,480,000	294,044,000	279,539,000	264,730,000	234,577,000	232,847,000	223,958,000	218,339,000	212,167,000	203,241,000	194,078,000	181,537,000
less: allowance for loan losses																							-25,913,000	-17,742,000	-11,161,000	-11,775,000	-11,874,000	-11,168,000	-11,242,000	-10,939,000	-11,439,000	-10,651,000	-10,067,000	-9,878,000	-9,396,000	-9,372,000	-9,101,000	-9,150,000	-9,091,000	-8,447,000	-8,006,000	-7,388,000	-7,047,000	-6,481,000						-4,639,000	-4,076,000	-3,692,000	-3,480,000	-3,173,000	-3,045,000	-2,676,000	-2,646,000	-2,552,000	-2,478,000	-2,754,000	-2,747,000	-2,565,000	-2,241,000	-2,126,000	-2,161,000	-2,034,000	-1,860,000	-1,774,000	-1,733,000
net loans																							1,402,680,000	1,476,930,000	1,385,417,000	1,362,766,000	1,370,501,000	1,315,514,000	1,329,976,000	1,293,427,000	1,285,021,000	1,204,421,000	1,147,106,000	1,096,063,000	1,085,071,000	1,067,410,000	1,043,764,000	1,066,923,000	1,078,415,000	1,067,159,000	1,024,164,000	987,445,000	904,038,000	824,804,000	728,013,000	670,107,000	617,370,000	517,458,000	470,026,000	451,943,000	442,367,000	442,523,000	420,609,000	397,180,000	370,777,000	355,154,000	326,834,000	302,928,000	291,566,000	276,785,000	261,983,000	232,012,000	230,606,000	221,832,000	216,178,000	210,133,000	201,381,000	192,304,000	179,804,000
bank owned life insurance																							36,037,000	35,818,000	35,597,000	35,374,000	34,576,000	34,352,000	34,128,000	34,291,000	32,918,000	33,104,000	32,885,000	32,666,000	23,473,000	23,167,000	22,970,000	22,809,000	22,651,000	22,493,000	22,332,000	22,172,000	22,011,000	21,846,000	21,346,000	16,219,000	16,062,000	15,945,000	15,826,000	10,615,000	10,524,000	8,307,000		8,154,000	8,076,000
assets of branches held for sale																									39,137,000	46,554,000
noninterest bearing																							642,835,000	528,527,000	387,536,000	278,547,000	274,970,000	270,592,000	236,086,000	213,597,000	240,847,000	163,986,000	142,826,000	125,963,000	121,541,000	119,271,000	115,692,000	105,799,000	96,351,000	86,603,000	80,423,000
interest bearing																							1,256,122,000	1,335,436,000	1,210,703,000	986,495,000	1,181,434,000	1,107,145,000	1,194,573,000	1,095,557,000	1,138,339,000	1,031,882,000	1,011,081,000	1,033,617,000	1,043,658,000	1,017,195,000	991,325,000	1,020,991,000	970,891,000	1,004,965,000	931,891,000	931,011,000	814,303,000	789,030,000	684,534,000	697,806,000	632,475,000	559,990,000	475,935,000	458,269,000	431,899,000	421,413,000	410,418,000	396,207,000	351,913,000	335,540,000	314,292,000	319,158,000	271,985,000	285,808,000	269,541,000	257,071,000	241,038,000	231,666,000	207,823,000	199,455,000	150,570,000	149,355,000	138,319,000
deposits of branches held for sale																									187,807,000	188,270,000
preferred stock, par value 1,000; 20,000 authorized; 733 issued in 2020 and 2019, respectively																							7,334,000	7,334,000	7,334,000
common stock																							12,069,000	12,066,000	11,998,000	11,995,000	11,865,000	11,764,000	11,666,000	11,658,000	11,588,000	11,389,000	10,590,000	10,496,000	10,496,000	10,048,000	10,048,000	8,135,000	8,129,000	8,129,000	8,113,000	8,113,000	8,048,000	8,034,000	8,083,000	7,947,000	7,706,000	3,507,000	3,505,000	3,492,000		2,247,000	2,247,000	2,235,000	2,235,000	2,235,000	2,235,000	2,235,000	1,802,000	1,634,000	1,629,000	1,629,000	1,629,000	1,629,000	1,629,000	1,618,000	1,604,000	1,599,000	1,508,000
investment securities:
securities available-for-sale, at fair value																										235,821,000			224,741,000	221,614,000	216,714,000																	109,829,000	83,550,000	77,492,000			94,830,000	101,017,000
loans receivable:																										1,374,541,000				1,304,366,000				1,105,941,000
preferred stock, par value 1,000; 20,000 authorized; 733 issued in 2019 and 783 issued in 2018																										7,334,000
preferred stock, par value 1,000; 20,000 authorized; 733 issued in 2019 and 783 issued in 2018, respectively																											7,334,000
preferred stock, par value 1,000; 20,000 authorized; 783 issued in 2019 and 2018, respectively																												7,834,000	7,834,000
preferred stock, par value 1,000; 20,000 authorized; 783 issued in 2018 and 2017																														7,834,000
preferred stock, par value 1,000; 20,000 authorized; 783 issued in 2018 and 2017, respectively																															7,834,000	7,834,000	7,834,000
securities available-for-sale																																222,085,000	226,504,000	231,507,000		172,754,000	162,368,000	152,171,000	138,844,000	134,825,000	70,256,000	68,158,000	65,855,000	67,204,000	90,146,000	104,592,000	106,411,000
preferred stock, par value 1,000; 20,000 authorized; 783 and 9,283 issued in 2017 and 2016, respectively																																		7,834,000	7,834,000	7,834,000
securities held-to-maturity																																									52,859,000	52,969,000	53,141,000	53,903,000	55,978,000	56,823,000	56,670,000
preferred stock, par value 1,000; 20,000 authorized and 9,283 issued in 2016 and 2015, respectively																																					16,334,000	16,334,000	16,334,000	16,334,000
preferred stock, par value 1,000; 20,000 authorized and 9,283 issued in 2015 and 2014, respectively																																									16,334,000
interest bearing balances																																										8,613,000	2,070,000	11,191,000	10,026,000	15,318,000		21,371,000	3,305,000	37,175,000		3,774,000	8,797,000	11,323,000		6,962,000
certificates of deposits in other banks																																										13,150,000	11,659,000	11,659,000	9,427,000	9,427,000		9,427,000	9,427,000	9,427,000			9,427,000	9,672,000		9,918,000		1,640,000		20,877,000	37,303,000	47,345,000		37,294,000	32,005,000	28,844,000
bank premises, furniture and equipment																																										26,292,000	25,645,000	25,412,000	21,294,000	18,926,000		14,957,000	13,777,000	12,825,000	11,354,000	8,848,000		7,744,000	7,782,000	7,673,000	7,536,000	7,531,000	7,579,000	7,615,000	7,611,000	7,692,000	7,757,000	7,853,000	7,916,000	8,006,000	8,060,000	8,117,000	8,244,000
liabilities
deposits
non-interest bearing																																										87,244,000	76,666,000	77,278,000	62,510,000	56,834,000	63,336,000	60,020,000	55,403,000	61,994,000	54,620,000	49,818,000	47,322,000	44,047,000	38,632,000	42,345,000	34,635,000	31,963,000	28,449,000	31,188,000	30,920,000	30,321,000	23,493,000	22,770,000	33,095,000	23,801,000	22,495,000	22,118,000	19,129,000
accrued interest, taxes and other liabilities																																										11,591,000	10,791,000	12,189,000	9,483,000	7,372,000		7,665,000	8,175,000	8,036,000		3,043,000	2,676,000	2,837,000		2,302,000	2,335,000	2,465,000		2,890,000	2,644,000	2,457,000		2,270,000	2,232,000	2,080,000		1,250,000
preferred stock, par value 1,000; 20,783 authorized and 9,283 issued in 2015 and 2014, respectively																																										16,334,000	16,334,000	16,334,000
preferred stock, par value 1,000; 20,783 and 20,000 shares authorized and 9,283 and 8,500 shares issued in 2014 and 2013, respectively																																													16,334,000
preferred stock, par value 1,000, 20,000 shares authorized and 8,500 shares issued																																														8,500,000
preferred stock, par value 1,000; 20,000 shares authorized and 8,500 shares issued																																															8,500,000
securities held-to-maturity, at cost																																																55,208,000	47,328,000	35,314,000	35,370,000			14,088,000	13,568,000	10,168,000	6,226,000	7,231,000	7,460,000	7,465,000	7,470,000	7,495,000	6,594,000	6,891,000	3,826,000	6,790,000	8,796,000	5,807,000	1,814,000
federal home loan bank and other borrowings																																																52,246,000	72,863,000	72,422,000		15,147,000	9,652,000	9,710,000		9,823,000	9,879,000
preferred stock, 1,000 par value, 8,500 shares authorized and issued																																																8,500,000	8,500,000	8,500,000		8,500,000	8,500,000	8,500,000		8,500,000
accumulated other comprehensive																																																		-1,516,000		-495,000	-567,000				-17,000
see accompanying notes to unaudited financial statements. 2
securities available-for-sale, at approximate fair value																																																			79,502,000	84,326,000			99,366,000	102,292,000		87,654,000	61,824,000				37,292,000
liabilities and stockholders' equity
accrued interest, taxes, and other liabilities																																																			6,726,000				3,478,000				2,703,000				2,130,000				1,835,000		1,601,000
stockholders' equity
preferred stock, par value 1,000; 8,500 and 8,500 shares authorized;
8,500 and 8,500 shares issued																																																			8,500,000
2,932,901 and 2,234,767 shares issued respectively																																																			2,933,000
total liabilities and stockholders' equity																																																			726,769,000
certificates of deposits with other banks																																																				9,427,000
securities held-to-maturity, at amortized cost																																																				32,816,000	16,506,000
long-term debt																																																				4,124,000	4,124,000	4,124,000		4,124,000	4,124,000	4,124,000	4,124,000	4,124,000	4,124,000	4,124,000	4,124,000	4,124,000	4,124,000	4,124,000	4,124,000	4,124,000	4,124,000
see accompanying notes to unaudited financial statements2
bank premises, furniture and equipment, net bank owned life insurance																																																					7,828,000
see accompanying notes to unaudited financial statements.2
accumulated other comprehensive income/																																																						-816,000
preferred stock, par value 1,000; 8,500 and 5,000 shares authorized; 8,500 and 0 shares issued																																																							8,500,000
common stock paid for but not issued, par value 1; 0 and 90,560 shares
33
common stock paid for but not issued, par value 1; 90,560 shares																																																											1,729,000
interest bearing balances – fhlb																																																									4,313,000			21,630,000	2,559,000			15,403,000	8,567,000	44,000		61,000
securities available-for-sale, at fair market value																																																									75,900,000			65,823,000	61,404,000
preferred stock, 1,000 par value, 5,000 shares authorized; none issued
federal home loan bank borrowings																																																										9,934,000		10,041,000	13,991,000	19,146,000		15,249,000	15,299,000	12,632,000		24,346,000	23,583,000
common stock paid for but not yet issued, par value 1; 90,560 shares
preferred stock, par value 1,000; 5,000 shares authorized, none issued
securities available-for-sale, at approximate market value																																																														43,298,000		37,000,000	16,149,000	16,533,000	17,795,000	22,268,000	26,029,000
federal home loan bank borrowings and discount window borrowings																																																															19,198,000				31,942,000

Cashflow Statements:

Quarterly

Annual

Unit: USD	2026-03-31	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	2017-03-31	2016-12-31	2016-09-30	2016-06-30	2016-03-31	2015-09-30	2015-06-30	2015-03-31	2014-06-30	2014-03-31	2013-12-31	2013-09-30	2013-06-30	2013-03-31	2012-12-31	2012-09-30	2012-06-30	2012-03-31	2011-12-31	2011-09-30	2011-06-30	2011-03-31	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

operating activities
net income, before noncontrolling interest	5,184,000		17,136,000	2,002,000	3,559,000		2,156,000	4,149,000	4,502,000
adjustments to reconcile net income, before noncontrolling interest, to net cash from operating activities:
net (accretion) and amortization of investments	-484,000
net amortization of deferred loan costs	425,000	477,000	423,000	333,000	318,000		824,000	334,000	320,000		302,000	290,000	541,000		608,000	665,000	604,000		740,000	653,000	669,000		398,000	267,000	114,000		12,000	106,000	72,000		119,000	-30,000	16,000
provision for credit losses	1,854,000		4,427,000	1,990,000	177,000		959,000	254,000	1,997,000		-159,000	-4,235,000	4,576,000
depreciation and amortization	423,000	443,000	598,000	782,000	776,000	-2,766,000	930,000	1,039,000	1,102,000	-3,589,000	1,211,000	1,259,000	1,424,000	-2,972,000	1,461,000	929,000	851,000		782,000	1,015,000	1,003,000	2,531,000	-947,000	800,000	908,000	914,000	821,000	766,000	759,000	728,000	727,000	742,000	741,000	711,000	617,000	860,000	882,000	865,000	800,000	505,000	478,000	454,000	298,000	289,000
stock-based compensation	741,000	878,000	1,316,000	896,000	711,000	1,188,000	548,000	814,000	780,000	820,000	949,000	792,000	831,000	1,115,000	671,000	757,000	674,000	869,000	1,055,000	692,000	592,000
holding loss on equity securities	-669,000			374,000	266,000			-14,000	49,000		-219,000	-160,000	308,000		61,000
loss on sale of available-for-sale securities		-8,000			42,000		0	0	-658,000		0	0	1,536,000						18,000	0	13,000	0				12,000	11,000
loss on sale of loans held-for-investment			0	80,000	69,000
gain on divestiture activity			-34,086,000	0	-608,000
income on bank-owned life insurance	-545,000	-570,000	-339,000	-304,000	-299,000		-298,000	-287,000	-282,000		-363,000	-247,000	-260,000		-248,000	-244,000	-243,000		-249,000	-251,000	-249,000
deferred income taxes	557,000	-429,000	102,000	-139,000	76,000			-494,000	20,000		6,000	37,000	22,000		4,000	3,000	9,000		532,000	-682,000	-1,036,000
equity method investments income	-1,966,000
return on equity method investments				-104,000	-104,000						-1,154,000
changes in other assets	-3,903,000																						-4,275,000	-13,628,000	-18,839,000
changes in other liabilities	-24,923,000																						-24,397,000	13,725,000	14,116,000
net cash from operating activities	-23,306,000	-14,975,000	-2,564,000	7,439,000	14,128,000	9,797,000	8,638,000	26,885,000	-25,261,000	-50,241,000	8,862,000	35,934,000	-5,321,000	-2,682,000	14,326,000	46,794,000	-57,339,000	-5,241,000	6,992,000	-5,421,000	10,216,000	20,927,000	212,025,000	-42,098,000	-78,619,000	57,719,000	-35,921,000	-42,785,000	12,925,000	-6,480,000	39,939,000	-41,978,000	15,213,000	8,573,000	19,741,000	33,792,000	11,736,000	-28,164,000	7,900,000	46,699,000	10,195,000	-50,628,000	-12,379,000	35,901,000	-38,422,000	30,528,000	-476,000	9,524,000		-82,000	2,980,000	3,784,000	-2,468,000	246,000	-479,000	2,333,000				1,861,000
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	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	-23,306,000	-14,975,000	-2,564,000	7,439,000	14,128,000	9,797,000	8,638,000	26,885,000	-25,261,000	-50,241,000	8,862,000	35,934,000	-5,321,000	-2,682,000	14,326,000	46,794,000	-57,339,000	-5,241,000	6,992,000	-5,421,000	10,216,000	20,927,000	212,025,000	-42,098,000	-78,619,000	57,719,000	-35,921,000	-42,785,000	12,925,000	-6,480,000	39,939,000	-41,978,000	15,213,000	8,573,000	19,741,000	33,792,000	11,736,000	-28,164,000	7,900,000	46,699,000	10,195,000	-50,628,000	-12,379,000	35,901,000	-38,422,000	30,528,000	-476,000	9,524,000		-82,000	2,980,000	3,784,000	-2,468,000	246,000	-479,000	2,333,000				1,861,000
investing activities
purchases of available-for-sale investment securities	-30,527,000	-108,464,000	-29,090,000	-41,562,000	-32,868,000		-9,751,000	-13,372,000	-34,833,000		-9,988,000	-50,008,000	-10,417,000		-9,597,000	-5,232,000	-62,635,000		-31,835,000	-69,919,000	-74,714,000
net maturities/paydowns of available-for-sale investment securities	14,275,000		42,663,000	32,093,000	27,251,000		4,928,000	3,374,000	2,075,000		19,307,000	52,288,000	3,503,000
sales of available-for-sale investment securities		64,795,000	1,430,000	28,965,000	515,000		0	12,616,000	11,711,000		0	0	54,531,000		0	0	60,635,000		28,049,000	34,279,000	41,037,000
purchases of premises and equipment	-140,000	-508,000	-955,000	-191,000	-261,000		-309,000	-256,000	-921,000		-228,000	-305,000	-908,000		-621,000	-882,000	-1,227,000		-2,937,000	784,000	-1,436,000						-505,000	-514,000	-115,000	-529,000	-1,001,000	-657,000	-506,000	-488,000	-1,588,000	-233,000	-161,000	-622,000	-652,000	-543,000	-711,000	-394,000						-1,665,000	-2,400,000	-1,153,000	-216,000	-90,000	-232,000	-256,000	-118,000	-63,000	-73,000	-117,000	-31,000	-48,000	-17,000	-48,000	-21,000	-56,000	-55,000
disposals of premises and equipment		9,000	55,000	0	150,000		2,000	13,000	54,000		0	-2,000	427,000
net change in loans	-62,077,000	-87,892,000	-107,390,000	-90,796,000	7,341,000		32,543,000	59,209,000	49,276,000		32,475,000
proceeds from the sale of loans held-for-investment			0
purchase of equity securities	-147,000	-3,000,000	0	-50,000	-2,000,000		-1,000				131,000	-160,000	-140,000		-113,000	-555,000	-2,304,000		-250,000	-3,122,000	-100,000	-3,658,000	-5,000,000	-762,000	-498,000	-100,000	-50,000	-800,000	-450,000	0
proceeds from divestiture			42,282,000	0	3,463,000
net cash from investing activities	-78,616,000	-107,016,000	-62,730,000	-70,124,000	31,269,000	-116,489,000	27,769,000	61,372,000	25,798,000	-155,029,000	45,190,000	40,615,000	69,374,000	617,131,000	-248,857,000	-341,532,000	-26,982,000	472,085,000	-147,539,000	-77,024,000	-263,393,000	-139,394,000	-65,464,000	-90,318,000	1,065,000	-45,489,000	-69,098,000	30,415,000	-35,883,000	-15,022,000	-76,086,000	-58,304,000	-60,565,000	-67,661,000	-35,598,000	1,697,000	4,945,000	-10,226,000	-52,399,000	-18,016,000	-79,987,000	-33,248,000									-17,633,000	-40,461,000	-10,750,000	-72,720,000	12,442,000	-38,653,000
financing activities
net change in deposits	55,298,000	65,968,000	-28,345,000	220,625,000	-111,019,000		118,796,000	-262,477,000	243,853,000
net change in repurchase agreements	1,090,000	364,000	-52,000	-1,020,000	1,288,000		2,389,000	-1,444,000	-1,011,000		-296,000	-621,000	-4,618,000		-1,242,000
redemption of subordinated debt	-40,000,000
proceeds from revolving line of credit	20,000,000
deferred financing fees	-178,000
common stock options exercised	1,926,000	2,071,000	158,000	0	72,000	248,000	0	28,000	1,213,000		98,000	43,000	70,000	-436,000	718,000	392,000	725,000	1,525,000	1,108,000	1,607,000	690,000	4,389,000	37,000	0	38,000	1,288,000	545,000	237,000	94,000	123,000	709,000	37,000	1,260,000	0		0				-367,000			0	48,000													145,000				-1,000	0	122,000	171,000	58,000
withholding cash paid in lieu of restricted stock	-519,000
cash dividends paid on common stock	-2,185,000	-2,161,000	-2,136,000	-2,209,000	-2,201,000	-2,237,000	-2,198,000	-2,192,000	-2,145,000	-2,166,000	-2,164,000	-2,163,000	-2,146,000	-2,144,000	-2,076,000	-2,076,000	-2,059,000	-1,808,000	-1,672,000	-1,405,000	-1,153,000	-1,047,000	-1,076,000	-1,076,000	-1,076,000	-833,000	-585,000	-464,000	-408,000	-347,000	-347,000	-263,000	-263,000	-260,000	-250,000	-162,000	-161,000	-162,000	-161,000	-161,000
net cash from financing activities	35,432,000	66,074,000	-34,043,000	210,614,000	-111,860,000	-102,052,000	118,987,000	-273,166,000	241,660,000	-364,045,000	77,213,000	-195,979,000	470,932,000	-383,336,000	152,716,000	102,527,000	130,856,000	-581,135,000	196,537,000	76,920,000	328,900,000	86,537,000	70,408,000	122,396,000	138,426,000	-20,796,000	120,378,000	15,621,000	18,695,000	21,678,000	34,242,000	100,602,000	48,677,000	59,121,000	16,795,000	-46,953,000	-16,639,000	38,426,000	44,092,000	-17,562,000	57,261,000	80,344,000	61,643,000	8,331,000	133,953,000	71,274,000	24,687,000	27,474,000	46,639,000	23,909,000	14,883,000	38,701,000	12,314,000	64,928,000	3,976,000	34,881,000	-3,415,000	22,073,000	14,365,000	25,546,000	10,624,000	35,770,000	18,622,000	27,352,000	11,691,000
net change in cash and cash equivalents	-66,490,000	-55,917,000	-99,337,000	147,929,000	-66,463,000	-208,744,000	155,394,000	-184,909,000	242,197,000		131,265,000	-119,430,000	534,985,000		-81,815,000
cash and cash equivalents, beginning of period	244,125,000	0	0	0	317,913,000	-389,639,000	0	0	398,229,000		0	0	40,280,000		0	0	307,437,000		0	0	263,893,000
cash and cash equivalents, end of period	177,635,000	-55,917,000	-99,337,000	147,929,000	251,450,000	-598,383,000	155,394,000	-184,909,000	640,426,000		131,265,000	-119,430,000	575,265,000		-81,815,000	-192,211,000	353,972,000		55,990,000	-5,525,000	339,616,000
cash payments for:
interest on deposits, repurchase agreements and borrowings	16,788,000				19,196,000		19,248,000	19,027,000	19,212,000		18,145,000	18,081,000	12,152,000								1,261,000				5,511,000		6,787,000	6,464,000	6,136,000	3,670,000	5,774,000	4,198,000	3,635,000	3,299,000	2,943,000	2,806,000	2,680,000	2,315,000	3,089,000	2,887,000	2,844,000	2,547,000				1,304,000	1,165,000	1,222,000			1,194,000	1,218,000		1,232,000	1,262,000	1,269,000		1,412,000	1,422,000	1,462,000		1,388,000	1,362,000	1,262,000
income taxes, net of refunds	12,675,000
supplemental disclosure of cash flow information:
change in unrealized holding losses on securities available-for-sale	-5,517,000				2,712,000		9,203,000	2,167,000	-4,144,000		-7,748,000	-5,087,000	9,241,000
restricted stock units vested	4,000						0				0																0			0
net income before noncontrolling interest											3,872,000	7,998,000	11,220,000		2,555,000	2,791,000	2,671,000		11,674,000
adjustments to reconcile net income to net cash from operating activities:
net amortization and accretion of investments		-319,000	66,000	201,000	248,000		452,000	606,000	525,000		533,000	419,000	569,000		700,000	674,000	646,000		1,102,000	1,011,000	898,000	780,000	474,000	336,000	302,000	341,000	349,000	288,000	280,000	299,000	300,000	333,000	361,000	365,000	319,000	312,000	294,000	215,000	180,000	199,000	202,000	185,000	210,000	224,000
provision (release of allowance) for credit losses
loans originated for sale											0	0	-402,000		-41,599,000	-11,856,000	-16,452,000		-2,083,000			0	0	-849,921,000	-484,989,000	-452,907,000	-510,512,000	-402,246,000	-239,160,000	-280,944,000	-313,250,000	-380,949,000	-238,935,000	-316,772,000	-313,263,000	-437,464,000	-448,609,000	-440,209,000	-317,168,000	-338,462,000	-370,124,000	-338,846,000						-239,958,000	-73,353,000	-36,947,000	-26,835,000	-23,232,000	-30,972,000	-13,186,000	-12,092,000	-6,397,000	-18,940,000	-12,877,000	-7,981,000	-6,859,000	-11,198,000	-10,242,000	-23,209,000	-8,704,000	-7,122,000
proceeds of loans held-for-sale sold											0
holding gain on equity securities		-3,444,000															59,000		-536,000	-699,000	-515,000	-263,000	-94,000	-3,000	-14,000
loss on sale of equity securities							0				-25,000															0	-2,000
gain on sale of loans held-for-sale											-102,000	51,000	-205,000
loss on sale of loans held for investment											-228,000	938,000	561,000
gain on sale of discontinued operations											0	0	-11,800,000
loss on divestiture activity											0
loss on sale of other real estate owned		0																																															8,000	0	0	2,000
gain on sale of assets
equity method investments loss				-2,315,000	-645,000		-746,000	-484,000	1,128,000
maturities/paydowns of available-for-sale investment securities															3,877,000	5,341,000	9,533,000		14,610,000	10,562,000	13,674,000
net proceeds from sale of assets
proceeds of loans held for investment sold											3,054,000
proceeds from sale of other real estate owned		0	759,000								79,000	11,000	374,000		252,000	759,000	245,000		2,494,000			609,000	3,260,000	4,388,000	52,000	0	36,000	598,000	97,000	345,000	2,000	179,000	181,000			76,000	68,000	0	15,000	893,000			19,000	57,000	254,000	0					0	30,000	61,000	0	78,000	234,000	0	0	163,000	703,000
purchase of bank-owned life insurance		22,000																			-1,000
proceeds from the surrender of bank-owned life insurance
investment in equity method investments							-279,000	-105,000	-1,564,000
proceeds from sale of equity securities		0	581,000				0				360,000
net cash transferred for sale of discontinued operations											0	0	-3,935,000
proceeds (cash transferred) from divestiture activity
net change in fhlb and other borrowings											0	0	-102,333,000									-25,800,000
principal payments on senior term loan						5,000	0	-6,600,000	-250,000	-1,699,000	-375,000	-825,000	-131,000
common stock repurchased																						-13,825,000	-1,253,000	-408,000	-260,000
withholding cash issued in lieu of restricted stock		-26,000	-30,000			38,000	0			-167,000	0	-437,000	-243,000		0			7,000	-25,000
redemption of noncontrolling interest											0
gain on sale of equity securities			0																0			-3,453,000	-18,000
other assets			-3,030,000	10,888,000	11,870,000		951,000	14,436,000	-23,847,000	-143,000	-4,943,000	17,628,000	-24,180,000	-45,807,000	20,314,000	21,692,000	-41,605,000	-6,346,000	-5,824,000	-5,447,000	10,768,000
other liabilities			6,401,000	-7,141,000	-2,432,000		2,516,000	6,531,000	-11,001,000	-7,850,000	8,366,000	-9,215,000	5,812,000	28,328,000	10,218,000	-2,856,000	-19,332,000	25,717,000	4,075,000	-1,282,000	-17,120,000
repurchase of common stock			-3,638,000
stock-based compensation related to equity method investments				104,000	104,000		104,000	104,000	104,000		104,000
gain on sale of available-for-sale securities															0	0	-650,000		-547,000	-1,708,000	-1,156,000	-49,000	-69,000	-554,000	-276,000	-25,000	0
cash dividends paid on preferred stock																		0	0	0	-35,000	-116,000	-116,000	-115,000	-114,000	-115,000	-121,000	-122,000	-121,000	-123,000	-123,000	-122,000	-121,000	-124,000	-129,000	-314,000	-314,000	-314,000	-186,000	-145,000	-143,000	-142,000
proceeds of loans held-for-investment sold					27,678,000
income taxes					116,000		403,000	72,000	117,000		1,976,000	10,210,000	25,000														1,440,000			84,000	20,000			1,000		2,540,000	3,000,000			500,000			380,000	465,000	87,000	0			416,000	241,000			415,000	219,000			295,000	214,000			140,000	226,000	236,000	5,000	-1,000
loans transferred out of loans held-for-sale
equity method investment distribution receivable
net income																					8,058,000	11,838,000	6,491,000	18,034,000	1,048,000	4,095,000	4,327,000	15,377,000	3,192,000	2,999,000	3,579,000	2,831,000	2,594,000	1,423,000	1,574,000	2,307,000	2,310,000	6,499,000	1,796,000	1,406,000	1,905,000	2,103,000	969,000	1,158,000	591,000	757,000	1,484,000	1,188,000	1,442,000	1,048,000	817,000	861,000	727,000	673,000	636,000	666,000	682,000	620,000	507,000	428,000	256,000	389,000	382,000	379,000	557,000
equity in undistributed earnings of subsidiaries
investment in subsidiaries
issuance of senior term loan
stock purchase from noncontrolling interest														7,000	0
gain on sale of loans held-for-investment
loss on acquisition and divestiture activity
gain on sale of other real estate owned											-38,000	-1,000	-137,000		-36,000	19,000	-21,000
deferred income tax expense																																																		5,000	-157,000	201,000	2,000	39,000	-65,000	171,000
net cash transferred in divestiture activity											0
employee stock-based compensation tax withholding obligations							0				0
impact of adopting asc 326, net of tax											0	0	6,642,000
creation of servicing assets from loan sales											0
loans transferred to (out of) loans held-for-sale							0	0	-629,000
due from broker for available-for-sale investment securities sold									12,633,000
issuance of senior term loan, net of issuance costs
issuance of subordinated debt, net of issuance costs
preferred stock redemption																		0	0	0	-7,334,000					0								0	-8,500,000
stock option exercise proceeds
issuance of subsidiary membership units																		0
net change in cash
cash at beginning of period
cash at end of period
equity method investments gain
purchases of restricted bank stock															-35,817,000				-366,000	-749,000	-295,000	-1,818,000	-5,398,000	-11,176,000	-7,439,000	-15,093,000	-15,939,000	-12,449,000	-6,119,000	-11,620,000	-4,435,000	-7,414,000	-5,901,000	-5,262,000	-4,276,000	-5,869,000	-3,950,000	-8,664,000	-5,450,000	-5,013,000	-6,378,000	-6,040,000
redemptions of restricted bank stock															29,599,000	2,257,000	68,000					4,470,000	5,596,000	14,568,000	13,414,000	14,249,000	13,847,000	9,405,000	8,352,000	8,131,000	9,476,000	4,277,000	3,797,000	2,975,000	4,818,000	7,195,000	6,737,000	5,819,000	6,933,000	7,479,000	5,149,000	4,349,000	1,227,000	4,710,000
proceeds from maturities of certificates of deposit with banks															496,000	1,733,000	490,000
net increase in deposits											79,950,000	-191,876,000	580,333,000		81,988,000	105,891,000	131,474,000						34,994,000				78,667,000	-52,922,000	121,505,000	-70,032,000	183,318,000	41,961,000	-5,673,000	-5,619,000	29,449,000	-19,773,000	59,548,000	-24,326,000	79,254,000	58,589,000	24,661,000	43,081,000	-7,596,000	58,828,000	75,801,000	88,672,000	11,075,000	33,744,000	15,288,000	13,491,000	17,486,000	49,709,000	12,660,000	28,958,000	-2,194,000	50,687,000	-16,562,000	16,535,000	13,069,000	22,861,000	10,095,000	13,518,000	17,661,000	50,192,000	1,591,000
loans transferred to other real estate owned																									23,000		0	16,000	63,000	649,000	0	0	720,000	147,000		205,000	0
loans transferred to loans held-for-sale											578,000	7,677,000	232,000
stock-based compensation related to equity method investment													69,000		139,000	173,000	104,000
proceeds of loans sold													3,681,000		13,572,000	34,557,000	10,804,000		4,178,000	12,631,000	1,062,000	1,209,000	247,082,000	808,904,000	419,868,000	516,095,000	481,953,000	358,159,000	255,682,000	276,546,000	357,351,000	342,493,000	261,012,000	327,580,000	341,150,000	479,222,000	467,839,000	416,811,000	327,700,000	390,677,000	388,236,000	288,880,000	218,693,000	191,249,000	206,507,000	450,522,000	126,010,000	257,743,000	56,355,000	34,711,000	28,564,000	26,003,000	27,177,000	11,876,000	10,746,000	7,540,000	19,625,000	11,792,000	8,284,000	6,881,000	11,718,000	11,425,000	21,176,000	8,385,000	6,582,000
equity method investment loss													1,193,000
equity method investment gain															0	-71,000	-1,803,000
return on equity method investment													-119,000		907,000	-3,511,000	7,286,000		7,075,000	9,640,000	13,080,000
net decrease in loans													25,378,000
proceeds from stock issuance
provision (release of allowance) for loan losses															5,120,000				380,000
gain on sale of loans															-1,298,000	-1,405,000	-1,083,000		-908,000
gains on acquisition and divestiture activity
equity method investment income															1,021,000	-549,000	-1,138,000		-3,573,000	-4,528,000	-6,469,000	-13,954,000
net increase in loans															-237,094,000	-343,091,000	-31,787,000						11,496,000				-55,606,000	13,879,000	-36,866,000	-8,288,000	-81,785,000	-57,888,000	-51,321,000	-11,898,000	-24,245,000	22,684,000	10,623,000	-12,103,000	-43,449,000	-64,618,000	-79,769,000	-33,411,000
sales of equity securities															161,000				0			3,953,000	312,000			0	0
net cash transferred for banking center sale
cash paid for acquisitions, net of cash acquired																			0
issuance of subordinated debt
payment of subordinated debt issuance costs																					36,000
business combination non-cash disclosures:
assets acquired in business combination, net of cash acquired
liabilities assumed in business combination
fair value of noncontrolling interests at acquisition date
common stock issued related to acquisitions
provision for loan losses																	1,280,000				618,000	214,000	8,631,000	6,596,000	1,138,000		657,000	600,000	300,000	292,000	1,069,000	605,000	474,000	1,036,000	518,000	657,000	1,075,000	1,275,000	625,000												675,000	675,000	502,000	591,000	330,000	300,000
net increase in repurchase agreements																	716,000																		-3,465,000			-3,513,000	2,124,000						-4,569,000	3,191,000							9,000	27,604,000	6,240,000	-3,641,000	-6,960,000
increase in cash and cash equivalents																	46,535,000		55,990,000	-5,525,000	75,723,000		216,969,000	-10,020,000	60,872,000	-8,566,000	15,359,000	3,251,000	-4,263,000	176,000	-1,905,000	320,000	3,325,000	33,000	938,000										9,029,000	-333,000			10,505,000	-885,000	230,000	2,024,000	-904,000	-7,546,000	15,939,000	-1,439,000			59,000	60,000
subordinated debt issuance (redemption), net of issuance costs
noncash common stock converted from subordinated debt
mortgage fee income																						0	-7,264,000	-14,944,000	-11,219,000	-13,015,000	-11,496,000	-9,864,000	-6,670,000	-7,703,000	-9,008,000	-9,063,000	-6,563,000	-8,545,000	-9,634,000	-8,823,000	-10,668,000	-9,397,000	-6,785,000	-8,955,000	-8,617,000	-6,309,000
loans																			-68,454,000	-46,611,000	-241,558,000
proceeds from sale of certificates of deposit with banks																						498,000				992,000	989,000							0		245,000				0	0	248,000
purchases of certificates of deposit with banks																						0	-496,000											0
deposits																			167,389,000	178,322,000	234,164,000
repurchase agreements																			-222,000	748,000	347,000
fhlb and other borrowings																				-102,085,000	102,185,000
assets acquired in business combination
common stock issued related to investments and acquisitions
external-use software
gain on sale of portfolio loans																						-30,000	-172,000	0	-130,000	-292,000	-50,000	-123,000	-55,000	19,000	-5,000	0	-212,000	-61,000	-9,000	-204,000	-238,000
fair value of noncontrolling interest at acquisition date																					500,000
net amortization of deferred loan (fees) costs																																			90,000
income on bank-owned life insurance, including death benefit proceeds in excess of cash surrender value
deferred taxes																						-7,344,000	2,678,000	2,209,000	-929,000	261,000	-26,000	-4,209,000	21,000	-124,000	381,000	-67,000	-51,000	1,819,000	-25,000	431,000	932,000	-136,000	-520,000	-136,000	274,000	-20,000
amortization of operating lease right-of-use asset																						13,000	58,000	7,000	8,000	-46,000	17,000	19,000	20,000
purchases of investment securities available-for-sale																						-136,894,000	-81,695,000	-34,876,000	-16,325,000	-18,092,000	-17,364,000	-15,128,000	-20,400,000	-11,326,000	-3,761,000	-1,122,000	-14,859,000	-52,435,000	-37,919,000	-19,115,000	-34,425,000	-28,187,000	-32,885,000	-5,479,000	-11,198,000	-11,535,000						-3,226,000	-33,185,000	-778,000	-13,963,000	-13,281,000	-34,628,000	-108,646,000	-72,616,000	-33,881,000	-9,626,000	-25,235,000	-23,448,000	-11,293,000	-3,033,000	-22,347,000	-5,611,000	-1,551,000	-718,000
maturities/paydowns of investment securities available-for-sale																						21,723,000	5,133,000	18,647,000	18,990,000	4,296,000	7,765,000	16,286,000	5,236,000	9,465,000	4,598,000	4,321,000	7,364,000	7,050,000	4,717,000	4,312,000	4,413,000	7,452,000	1,613,000	2,080,000	12,010,000	1,511,000	2,343,000	2,416,000
sales of investment securities available-for-sale																						5,444,000	7,419,000	30,842,000	10,318,000	4,224,000	380,000	12,922,000	13,694,000	-51,000	2,114,000	0	680,000	1,090,000	22,945,000	0	15,664,000	18,302,000	21,225,000	1,428,000	0	11,484,000
purchases of premises and equipment, including premises and equipment included in assets of branches held-for-sale
net increase in loans and loans included in assets of branches held-for-sale
proceeds from death benefit of bank-owned life insurance policies
proceeds from divestitures
cash paid for acquisitions
net increase in deposits and deposits in branches held-for-sale
subordinated debt issuance
subordinated debt issuance and conversion costs
cash and cash equivalents at beginning of period																						0	0	0	28,002,000	0	0	0	22,221,000	0	0	0	20,305,000	0	17,340,000	0	0	0	29,133,000	0	0	30,077,000	0	39,843,000
cash and cash equivalents at end of period																						-31,930,000	216,969,000	-10,020,000	88,874,000	-8,566,000	15,359,000	3,251,000	17,958,000	176,000	-1,905,000	320,000	23,630,000	33,000	18,278,000	-11,464,000	42,000	36,000	28,726,000	11,121,000	-12,531,000	26,545,000	-4,493,000	32,612,000
stock based compensation																							592,000	627,000	498,000	440,000	493,000	401,000	425,000	347,000	394,000	282,000	244,000	307,000	148,000	153,000	147,000	163,000	105,000	105,000	104,000	99,000	71,000	58,000	70,000	49,000	41,000	36,000	19,000	40,000	39,000	40,000	29,000	31,000	29,000	28,000	19,000	20,000	3,000	4,000
income on bank owned life insurance																							-219,000	-221,000	-223,000		-224,000	-224,000	-525,000		-520,000	-220,000	-218,000	-193,000	-147,000	-161,000	-158,000	-158,000	-161,000	-160,000	-165,000	-167,000
bargain purchase gain																							0
gain on sale of banking centers																							0
gain on mortgage combination transaction
purchases of premises & equipment																							-1,692,000
disposals of premises & equipment
proceeds from death benefit of bank owned life insurance policies																										0	0	0	688,000
net cash paid for branch divestiture																							0
net cash from business combinations and divestitures
net decrease in repurchase agreements																							230,000	469,000	-826,000	712,000	31,000	-3,124,000	-2,372,000		-4,485,000	-436,000	-1,727,000			-2,032,000
subordinated debt redemption																										0
net cash from business combinations
net change in fhlb & other borrowings																								-5,000	-192,070,000
purchases of premises & equipment, including premises & equipment included in assets of branches held for sale																									-1,384,000
net increase in loans and loans included in assets of branches held for sale																									-16,063,000
net increase in deposits and deposits in branches held for sale																									332,734,000
initial recognition of operating lease right-of-use assets																											0	0	12,935,000
initial recognition of operating lease liabilities																											0	0	15,659,000
cashless stock options exercised																									35,000					8,000	60,000			0		0	0	0	16,000	1,011,000
benefit from loan losses																																								636,000	561,000	659,000	889,000	519,000	267,000	326,000	667,000	1,000,000	675,000								340,000	240,000	240,000	280,000	311,000	171,000	152,000	151,000	147,000
income on bank owned life insurance, including death benefit proceeds in excess of cash surrender value
other																										2,476,000	-2,253,000	11,875,000	-1,534,000	2,304,000	-1,197,000	1,065,000	-3,924,000	1,248,000	-1,414,000	-3,520,000	-1,623,000	3,633,000	1,731,000	994,000	-2,628,000	2,433,000
purchases of premises and equipment, including premises and equipment included in assets of branches held for sale
purchase of bank owned life insurance																																		-9,000,000	-50,000													-91,000					0	-900,000							0	0
net cash from business combination																										0
net change in short-term fhlb borrowings																														142,908,000	-144,809,000	9,479,000	67,421,000	82,268,000	-14,769,000	-45,168,000	-76,872,000	66,764,000	-36,908,000	-73,706,000	33,044,000	43,997,000
principal payments on fhlb borrowings																														-50,021,000	-21,000	-19,000	-12,220,000	-14,502,000	-24,000	-23,000	-24,000	-23,000	-23,000	-2,071,000	-42,000	-41,000
proceeds from new fhlb borrowings																														0	0			0	14,483,000
subordinated debt conversion costs																														0	0
proceeds from stock offering, net of issuance costs																																		0
holding (gain) on equity securities
net change in short-term fhlb & other borrowings																											56,361,000	72,037,000	-99,982,000
principal payments on fhlb & other borrowings																											-1,620,000	-21,000	-21,000
proceeds from new fhlb & other borrowings
subordinated debt conversion
business comindation non-cash disclosures:
common stock converted from subordinated debt																											0			1,000	2,272
gain on sale of securities																													-33,000	0	-26,000	0	-326,000	-276,000	-549,000	0	-479,000	-224,000	-381,000
loss on sale of securities																													151,000	0				0	366,000	0	0
net gain on equity securities
gain on sale of subsidiary																																				0	0
maturities/paydowns of investment securities held-to-maturity																																				0	0	0	400,000	75,000	250,000	540,000
disposals of premises and equipment from sale of subsidiary																																				0	0
proceeds from sale of subsidiary																																				0	0
net (decrease) in repurchase agreements																																								299,000	141,000	-6,551,000						-473,000				-10,930,000											-1,802,000	-3,504,000
purchase (redemption) of bank owned life insurance
proceeds from stock offering																																											1,939,000	3,723,000
net amortization of deferred loan fees																																				22,000	32,000	23,000	-22,000			22,000
purchases of investment securities held-to-maturity																																																	-2,610,000	-16,498,000	-2,403,000	-535,000	-3,413,000				-374,000	0	-453,000	-532,000	-1,211,000	-3,188,000			-3,000,000
sales of investment securities held-to-maturity																																								0
branch acquisition, net cash acquired
proceeds from subordinated debt
preferred stock issuance
dividend reinvestment plan proceeds
sale of investment securities held to maturity
purchase of certificates of deposit with banks
(decrease) in cash and cash equivalents																																					42,000	36,000	-407,000	11,121,000	-12,531,000	-3,532,000
loans purchased																																							-149,000
gain on sale of investment securities																																								-4,000	-5,000	-121,000
supplemental disclosure of cash flow information
net amortization of deferred loan cost
gain on sale of loans held for resale
loss on sale of investment securities
net amortization of deferred loan (fees) cost																																												73,000
interest																																												1,539,000
maturities of certificates of deposit with banks
acquisition of mortgage company, net of cash acquired
issuance of stock in acquisition
deferred income tax (benefit) expense
depreciation																																														244,000	223,000	194,000	140,000	133,000	132,000	128,000	123,000	119,000	113,000	111,000	109,000	113,000	112,000	113,000	113,000	111,000	111,000	110,000	112,000
income on sale of loans held for resale
(gain) on sale of investment securities																																																-1,000	-452,000	-113,000	-7,000	-66,000	-348,000	-129,000	-207,000	-149,000
(gain on sale of subsidiary
(gain) on derivatives																																																-877,000
amortization, net of accretion																																														267,000	351,000	270,000	350,000	351,000	274,000	265,000	273,000	246,000	199,000	168,000	182,000	124,000	134,000	73,000	61,000	51,000	-8,000	13,000	-689,000
increase in interest receivable and other assets
increase in accrued interest, taxes, and other liabilities																																														-510,000	139,000	1,310,000					1,176,000	-33,000	-130,000	-238,000	-187,000	246,000	187,000	327,000
(increase) in loans made to customers																																																-10,576,000	-519,000	-22,689,000	-24,104,000	-27,078,000	-16,125,000	-28,911,000	-24,236,000	-11,662,000	-15,121,000	-15,042,000	-30,211,000	-1,686,000	-8,675,000	-5,825,000			-9,223,000
decrease (increase) in deposits with fhlb and fed
maturities of certificates of deposit in other banks																																																		0	245,000	246,000		0				16,426,000				12,876,000	2,396,000	2,297,000
proceeds from sales, maturities and calls of securities available-for-sale																																														2,896,000										8,052,000	13,581,000	20,953,000	5,631,000	4,917,000	2,661,000	1,507,000	3,835,000	4,848,000	5,616,000
proceeds from sales and calls of securities held-to-maturity
adjustment of branch acquisition																																																-157,000
net cash (used in) investing activities																																																-44,199,000	-18,811,000								3,069,000	-22,086,000	-15,818,000	-27,347,000	-9,455,000	-41,925,000	-15,678,000	-27,510,000	-14,359,000
proceeds from federal home loan bank borrowings																																														107,923,000	159,815,000	142,680,000		42,632,000	27,905,000	28,590,000		16,393,000	13,896,000	33,305,000		42,172,000
principal payments on federal home loan bank borrowings																																																-161,875,000		-37,137,000	-27,963,000	-28,647,000		-16,449,000	-13,951,000	-51,985,000		-46,122,000	-55,483,000	-52,000
net proceeds of stock offering																																														49,000	239,000	13,419,000					0	0	-15,000	6,515,000
cash dividend on common stock
dividends on preferred stock																																																-21,000	-21,000	-21,000	-115,000	21,000
cash and cash equivalents - beginning of period																																														0	0	21,637,000		0	0	9,763,000		0	0	3,713,000		0	0	2,321,000		0	0	4,710,000
cash and cash equivalents - end of period																																														-333,000	13,008,000	14,436,000		-885,000	230,000	11,787,000		-7,546,000	15,939,000	2,274,000		152,000	59,000	2,381,000		-4,477,000	2,254,000	4,754,000
adjustments to reconcile net income to net cash from operating
(gain) on sale of loans held for resale																																																-4,774,000
decrease in interest receivable and other assets																																																							-116,000	-101,000
cash dividend																																																	-154,000	0
deferred income tax (benefit)/expense																																																-188,000
(increase) in interest receivable and other assets																																																-6,419,000	-646,000	-422,000	-360,000	-483,000	-1,291,000				-405,000								-1,048,000
(increase) in deposits with fhlb and fed																																																-33,472,000
purchases of certificates of deposit in other banks																																																										0	-1,079,000	-15,242,000		-18,165,000	-5,557,000	-24,141,000
proceeds from sales, maturities and calls of securities
available-for-sale																																																4,988,000		11,238,000	20,281,000	11,323,000		82,283,000
held to maturity																																																						225,000
increase/(decrease) in cash and cash equivalents																																																-7,201,000
adjustments to reconcile net income to net cash provided by
operating activities:
(gain) on sale of loans held for sale
net cash (used in) operating activities
(increase)/decrease in deposits with fhlb and fed
purchases of certificates of deposit with other banks
proceeds from maturity of certificates of deposit with other banks
proceeds from maturities and calls of securities held-to-maturity
branch acquisition, net of cash acquired
net (decrease)/increase in repurchase agreements																																																	970,000
proceeds from fhlb and other borrowings
principal payments on fhlb and other borrowings
purchase of treasury stock																																																					0				-180,000	-26,000	-178,000	-100,000	0	0	-26,000	-197,000	-100,000
issuance of preferred stock																																																					-37,000
interest on deposits, repurchase agreements and fhlb borrowings																																																																	1,083,000
non-cash investing activity
(decrease) in accrued interest, taxes, and other liabilities																																																		367,000	-162,000	-640,000
(increase)/decrease in interest bearing balances with banks
proceeds from sale of other real estate owned 30 312
net proceeds of dividend reinvestment plan/stock offering																																																		0
cash payments for: interest on deposits, repurchase agreements & borrowings
decrease in interest bearing balances with banks																																																						-2,649,000
(increase) in interest bearing balances with banks																																																				-11,046,000				-15,993,000				-20,802,000
decrease in deposits with fhlb and fed
(gain) on sale of other real estate owned																																																										0	-21,000	-40,000
proceeds from maturity of certificates of deposit in other banks																																																								16,094,000				17,339,000
purchases of bank owned life insurance																																																								-1,200,000
deferred income tax																																																									130,000	-21,000	-101,000	-152,000			-49,000	-46,000
(gain)/loss on sale of other real estate owned
loss on investment impairment
net cash provided by/(used in) operating activities
proceeds from sales, maturities and calls of securities held to maturity																																																										0				101,000
increase/decrease in cash and cash equivalents
decrease/(increase) in interest bearing balances with banks
net increase/(decrease) in repurchase agreements																																																											6,629,000	2,837,000	-3,259,000
decrease/(increase) in interest receivable and other assets																																																												103,000
net cash (used in)/provided by operating activities																																																																202,000
(increase)/decrease in deposits with federal home loan bank																																																													11,468,000	-6,836,000
stock option expense																																																														4,000	3,000	4,000
(decrease) in interest receivable and other assets
increase/(decrease) in accrued interest, taxes, and other liabilities																																																														38,000	153,000	244,000
net (decrease)/increase in federal home loan bank borrowings
proceeds of stock offering
(decrease)/increase in cash and cash equivalents																																																																44,000
increase/(decrease) in interest receivable and other assets
net (decrease) in federal home loan bank borrowings																																																															2,667,000	-19,310,000
(decrease)/increase in interest receivable and other assets																																																																-334,000
(increase)/decrease in loans made to customers																																																																-8,903,000
(increase) in deposits with federal home loan bank																																																																-4,000
proceeds from long-term borrowings
loss on impairment of fhlmc preferred stock
decrease/(increase) in deposits with federal home loan bank																																																																	21,000
net increase/(decrease) in federal home loan bank borrowings

MVB Financial Corp(NASDAQ:MVBF)

MVB Financial Corp
(NASDAQ:MVBF)