NBTB Stock Cash Flow Statements

NBT Bancorp Quarterly Cash Flow Statements Chart

Quarterly

Annual

Stock-Based Compensation

Operating Cash Flow

Investing Cash Flow

Financing Cash Flow

NBT Bancorp Quarterly Cash Flow Statements Table

Quarterly

Annual

Unit: USD	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30	2023-06-30	2023-03-31	2022-12-31	2022-09-30	2022-06-30	2022-03-31	2020-03-31	2019-06-30	2019-03-31	2018-12-31	2018-09-30	2018-06-30	2018-03-31	2017-03-31	2013-03-31	2012-12-31	2012-09-30	2012-06-30	2012-03-31	2011-12-31	2011-09-30	2010-12-31	2010-09-30	2010-06-30	2010-03-31	2009-12-31	2009-09-30	2009-06-30	2009-03-31	2008-12-31	2008-09-30	2008-06-30	2008-03-31	2007-12-31	2007-09-30	2007-06-30	2007-03-31	2006-12-31	2006-09-30	2006-06-30	2006-03-31	2005-12-31	2005-09-30	2005-06-30	2005-03-31

operating activities
net income	22,510,000	36,745,000	36,005,000	38,097,000	32,716,000	33,823,000	30,446,000	24,606,000	30,072,000	33,658,000	36,121,000	38,973,000	37,775,000	39,126,000	10,368,000	30,555,000	29,127,000	28,652,000	29,807,000	28,121,000	25,986,000	20,279,000	7,649,000	13,116,000	14,535,000	13,257,000	13,650,000	13,722,000	15,217,000	14,434,000	14,570,000	14,424,000	13,976,000	13,801,000	13,578,000	11,560,000	13,072,000	14,897,000	15,083,000	14,657,000	13,716,000	8,985,000	15,147,000	12,064,000	14,132,000	13,648,000	14,542,000	14,169,000	13,588,000	12,995,000	13,526,000	13,128,000	12,789,000
adjustments to reconcile net income to net cash from operating activities
benefit from loan losses	17,835,000	7,554,000	2,209,000	2,920,000	8,899,000	5,579,000	5,126,000	12,633,000	3,606,000	3,909,000	7,677,000	4,484,000	4,390,000	596,000	29,640,000	7,277,000	5,807,000	6,528,000	6,026,000	8,778,000	7,496,000	7,379,000	5,658,000				4,471,000																					1,703,000	1,728,000		2,752,000	2,320,000	1,796,000
depreciation and amortization of premises and equipment	3,235,000	2,958,000	2,916,000	2,888,000	2,866,000	2,855,000	2,887,000	2,663,000	2,566,000	2,579,000	2,574,000	2,578,000	2,583,000	2,420,000	2,478,000	2,375,000	2,357,000	2,323,000	2,313,000	2,317,000	2,327,000	2,249,000	1,791,000	1,640,000	1,616,000	1,531,000	1,489,000	1,440,000	1,371,000	1,336,000	1,328,000	1,339,000	1,324,000	1,382,000	1,342,000	1,339,000	1,335,000	1,334,000	1,303,000	1,295,000	1,288,000	1,305,000	1,302,000	1,344,000	1,344,000
net amortization on securities	365,000	552,000	574,000	621,000	648,000	657,000	679,000	665,000	702,000	690,000	724,000	809,000	891,000	1,036,000	722,000	822,000	797,000	899,000	975,000	1,052,000	1,081,000																										14,000	5,000	135,000		346,000	347,000	384,000
amortization of intangible assets	3,042,000	2,111,000	2,080,000	2,062,000	2,133,000	2,168,000	2,131,000	1,609,000	458,000	536,000	538,000	544,000	545,000	636,000	834,000	893,000	968,000	978,000	1,054,000	1,096,000	914,000	967,000	851,000	864,000	870,000	841,000	819,000	760,000	782,000	744,000	767,000	780,000	781,000	781,000	827,000	825,000	813,000	874,000	462,000	378,000	391,000	413,000	413,000	410,000	409,000	389,000	471,000	466,000	323,000	142,000	142,000
amortization of operating lease right-of-use assets	2,131,000	1,957,000	1,912,000	1,886,000	1,862,000	1,867,000	1,814,000	1,751,000	1,631,000	1,647,000	1,654,000	1,648,000	1,653,000	1,688,000
excess tax benefit on stock-based compensation	-35,000	-384,000	-110,000	-50,000	-19,000	-116,000	-57,000	2,000	-10,000	-231,000	-105,000	-7,000	-8,000	-168,000	-189,000	-51,000	-260,000					1,472,000
stock-based compensation expense	873,000	2,174,000	837,000	964,000	1,907,000	2,284,000	965,000	825,000	847,000	2,465,000	581,000	670,000	807,000	2,472,000	2,675,000	563,000	2,577,000	479,000	503,000	500,000	2,454,000	2,166,000
bank owned life insurance income	-2,180,000	-3,397,000	-2,271,000	-1,868,000	-1,834,000	-2,352,000	-1,776,000	-1,568,000	-1,528,000	-1,878,000	-1,419,000	-1,560,000	-1,411,000	-1,654,000	-1,374,000	-1,186,000	-1,377,000	-1,239,000	-1,288,000	-1,217,000	-1,347,000	-1,411,000	-849,000	-849,000	-639,000	-618,000	-971,000	-717,000	-673,000	-872,000	-655,000	-808,000	-981,000	-910,000	-683,000	-670,000	-872,000	-993,000	-491,000	-480,000	-452,000	-480,000	-467,000	-450,000	-434,000	-425,000	-431,000	-392,000	-381,000	-342,000
amortization of subordinated debt issuance costs	90,000	109,000	109,000	109,000	110,000	109,000	109,000	110,000	109,000	109,000	110,000	109,000	109,000	109,000
proceeds from sale of loans held for sale	90,009,000	83,400,000	68,494,000	33,815,000	24,589,000	27,075,000	27,861,000	13,558,000	10,979,000	1,571,000	1,436,000	1,510,000	622,000	2,106,000	50,946,000	39,867,000	25,232,000																									10,083,000	7,180,000	7,775,000	5,389,000			6,140,000	8,837,000	9,309,000	12,043,000	2,153,000	1,185,000
originations of loans held for sale	-79,965,000	-87,851,000	-74,459,000	-34,345,000	-24,477,000	-26,662,000	-26,793,000	-15,691,000	-12,058,000	-1,418,000	-1,902,000	-1,434,000	-660,000	-1,479,000	-46,956,000
net gain on sale of loans held for sale	-172,000	-141,000		-64,000	-32,000	-40,000		-26,000	-46,000	-16,000				-60,000	-242,000		-88,000
net securities
net gains on sale of other real estate owned												0	-48,000	-211,000		2,000	-157,000
net change in other assets and other liabilities	-11,066,000	-3,886,000	2,436,000	5,573,000	1,058,000	-8,319,000	-17,853,000	13,363,000	3,355,000	-26,772,000	-18,388,000	2,343,000	19,779,000	-11,652,000	-10,627,000	-13,225,000	-926,000	4,759,000
net cash from operating activities	46,477,000	42,005,000	49,172,000	52,132,000	50,518,000	36,745,000	35,653,000	54,633,000	45,324,000	21,847,000	29,702,000	50,781,000	67,596,000	35,144,000	40,927,000	22,608,000	39,213,000	47,991,000	42,607,000	17,124,000	40,051,000	27,729,000	4,915,000	31,115,000	24,617,000	18,553,000	14,569,000	16,239,000	24,444,000	20,882,000	23,993,000	25,659,000	18,903,000	-4,844,000	32,650,000	30,680,000	-3,802,000	21,872,000	19,391,000	24,082,000	21,981,000	27,601,000	11,348,000	29,664,000	17,227,000	5,367,000	12,800,000	23,606,000	23,744,000	19,783,000	16,448,000	14,824,000	14,003,000
investing activities
net cash from acquisitions	40,147,000	-1,550,000	-400,000	-240,000	0	-743,000	0	46,777,000	-2,084,000	-129,000	-82,000	-2,057,000						0	0				81,049,000	-250,000	0	4,781,000	48,340,000
securities available for sale:
proceeds from maturities, calls and principal paydowns	54,147,000	36,025,000	66,320,000	47,387,000	27,654,000	26,542,000	26,038,000	31,247,000	28,485,000	30,683,000	36,018,000	44,692,000	60,731,000	72,281,000	83,394,000	42,276,000	94,488,000	45,714,000	88,859,000	73,751,000	51,122,000
proceeds from sales			0	0	0	2,284,000	0	122,027,000								0	26,203,000	97,997,000	695,000	0	2,623,000	1,000,000	2,607,000	-1,000	0	0	1,791,000	2,319,000	0	97,901,000	4,650,000	0	702,000	0				5,660,000	0	0	1,140,000	45,205,000	0	0	10,553,000	0	0	0	42,292,000	0	25,176,000	0	27,868,000
purchases	-62,726,000	-139,534,000	-157,505,000	-68,466,000	-47,294,000	-19,676,000	-10,092,000	-31,371,000	-41,065,000	-5,494,000	-1,708,000	-60,876,000	-62,712,000	-139,273,000	-88,209,000	-57,233,000	-63,579,000	-30,444,000	-3,502,000	-6,982,000	-91,520,000	-110,330,000	-119,749,000	-154,480,000	-144,266,000	-84,488,000	-100,624,000	-260,193,000	-119,701,000	-251,275,000	-81,892,000	-141,469,000	-160,683,000	-83,703,000	-95,856,000	-146,137,000	-101,283,000	-104,853,000	-48,994,000	-88,496,000	-150,614,000	-115,021,000	-56,628,000	-59,021,000	-72,795,000	-67,528,000	-48,985,000	-40,051,000	-108,488,000	-59,646,000
securities held to maturity:
equity securities:
other:
net increase in loans	15,846,000	-16,329,000	-68,707,000	-56,603,000	-170,043,000	-42,308,000	11,057,000	-133,534,000	-97,392,000	-118,242,000	-249,144,000	-128,388,000	-128,454,000	-153,963,000	-116,434,000	-79,359,000	-9,975,000	-7,552,000	-34,846,000	-219,109,000	-69,659,000	-82,299,000	-17,791,000	-43,200,000	-91,897,000	-123,493,000	-18,940,000	-57,855,000	-47,591,000									-48,326,000	-13,847,000	-103,906,000	-54,621,000	-47,925,000	2,924,000			-47,291,000	-24,118,000	-101,817,000	-38,054,000	-21,172,000
proceeds from federal reserve and federal home loan bank stock redemption
purchases of federal reserve and federal home loan bank stock				-18,080,000															-61,425,000			-52,065,000
proceeds from settlement of bank owned life insurance	-1,000	4,331,000	792,000	0	0	608,000	581,000	770,000	642,000	1,773,000	0	960,000	0	913,000
purchases of premises and equipment	-2,330,000	-3,701,000	-3,631,000	-4,307,000	-1,379,000	-2,425,000	-2,921,000	-3,457,000	-1,484,000	-1,392,000	-2,260,000	-2,482,000	-955,000	-1,312,000	-3,348,000	-672,000	-1,910,000	-3,146,000	-2,219,000	-851,000	-1,186,000	-1,269,000	-1,006,000	-2,189,000	-2,036,000	-1,267,000	-1,502,000	-4,277,000	-3,565,000	-2,138,000	-1,625,000	-1,415,000	-1,332,000	-1,951,000	-2,197,000	-1,185,000	-1,045,000	-1,374,000	-1,253,000	-1,864,000	-1,548,000	-941,000	-422,000	-846,000	-146,000
proceeds from sales of other real estate owned							39,000				0	0	48,000	378,000	80,000	38,000	701,000						1,023,000	1,205,000	750,000	1,024,000	637,000	458,000	1,120,000	690,000	818,000	867,000	811,000	1,895,000	439,000	91,000	87,000	426,000	434,000	24,000	266,000	561,000	352,000	364,000	131,000	305,000	326,000	187,000	210,000	56,000	489,000	339,000	138,000
net cash from investing activities	331,898,000	-113,163,000	-147,592,000	-58,010,000	-180,430,000	-13,128,000	48,172,000	66,560,000	-83,398,000	-75,560,000	-227,280,000	-142,477,000	-173,512,000	-382,947,000	-112,235,000	-61,150,000	58,144,000					-94,003,000	61,917,000	-5,617,000	-59,007,000	-92,664,000	30,438,000	-53,862,000	-51,843,000	-51,435,000	98,352,000	20,285,000	-8,708,000	-19,142,000	-21,873,000	-8,378,000	20,945,000	-37,763,000	-35,551,000	-93,703,000	-49,561,000	-41,310,000	-5,346,000	-61,065,000	10,076,000	-44,637,000	-42,390,000	-108,715,000	-80,792,000	-47,312,000
financing activities
net increase in deposits	-57,328,000	161,750,000	-41,517,000	316,819,000	76,170,000	226,295,000	-432,458,000	562,557,000	-151,286,000	185,272,000	-422,818,000	-109,957,000	-432,915,000	227,154,000	276,818,000	-23,953,000	249,448,000	-73,079,000	96,841,000	-49,479,000	223,292,000	211,363,000	118,194,000	-21,666,000	117,108,000	-106,695,000	146,348,000	-42,720,000	150,451,000	-68,269,000	101,290,000	-75,848,000	84,133,000	-11,427,000	46,402,000	-17,848,000	152,661,000	-67,536,000	51,681,000	84,887,000	-17,867,000	-77,972,000	-9,101,000	-7,489,000	170,417,000	8,375,000	39,962,000	127,840,000	130,856,000	-51,977,000	34,114,000	9,132,000	95,089,000
net decrease in short-term borrowings	-15,627,000	-77,345,000				-119,517,000				-109,786,000		12,009,000	-2,477,000	-32,773,000			-326,814,000					-141,460,000													27,688,000				-55,147,000				15,478,000	85,966,000	-140,987,000				-115,275,000
repayments of long-term debt	-39,000	-25,039,000	-38,000	-39,000	-38,000	-37,000	-38,000	-29,000	-26,000	-25,000	-26,000	-25,000	-10,624,000	-24,000	-28,000	-28,000	-27,000	-28,000	-26,000	-15,046,000	-25,045,000	-64,000	-43,757,000	-4,000	-3,000	-3,343,000	-4,000	-3,000	-3,000	-59,594,000	-49,993,000	-25,129,000	-50,108,000	-25,014,000	-24,996,000	-11,249,000	-16,252,000	-1,259,000	-1,264,000	-80,153,000	-50,029,000	-102,232,000	24,968,000	-40,641,000	-24,936,000	-25,000	-3,983,000	-3,129,000	-12,020,000	-5,023,000
cash paid by employer for tax-withholding on stock issuance	-93,000	-2,114,000	-370,000	-241,000	-81,000	-1,301,000	-282,000	-107,000	-56,000	-1,432,000				-1,210,000	-1,166,000		-1,230,000				-1,729,000	-2,813,000
purchase of treasury stock			0	0	-188,000	-63,000	0	-2,166,000			0	0	-6,561,000	-8,152,000	-7,980,000									0	0			0	-9,338,000	0									0	0	-5,939,000	0	-23,920,000	-16,475,000	-8,562,000	0	-610,000	-12,446,000	-4,055,000	-3,176,000
cash dividends	-17,808,000	-16,067,000	-16,041,000	-16,039,000	-15,092,000	-15,091,000	-15,074,000	-15,067,000	-12,874,000	-12,871,000	-12,858,000	-12,832,000	-11,992,000	-12,083,000	-23,632,000	-4,000	-22,774,000	-11,370,000	-10,930,000	-3,000	-20,966,000	-10,020,000																									-6,467,000	-6,494,000	-6,550,000
net cash from financing activities	-90,895,000	41,185,000		280,817,000	18,340,000	90,286,000	-551,290,000	349,573,000	10,167,000	86,158,000	73,870,000	-110,862,000	-464,648,000	172,912,000	137,825,000	50,855,000	-101,193,000	-24,434,000	43,798,000	203,660,000	68,113,000	58,989,000	68,646,000	-2,270,000	35,666,000			-24,941,000	116,578,000	-141,388,000	51,351,000	-115,683,000	39,420,000	-34,078,000	42,929,000	-10,116,000	51,794,000	-17,306,000	12,336,000	80,063,000	1,609,000	28,174,000	1,169,000	15,619,000	-9,004,000	26,386,000	35,687,000	97,421,000	47,828,000	28,371,000	-1,165,000	102,934,000	46,657,000
net increase in cash and cash equivalents	287,480,000	-29,973,000	-198,403,000	274,939,000	-111,572,000	113,903,000	-467,465,000	470,766,000	-27,907,000	32,445,000	-123,708,000	-202,558,000	-570,564,000	-174,891,000	66,517,000			6,322,000	22,150,000			-7,285,000	135,478,000	23,228,000			170,223,000	-62,564,000		-171,941,000	173,696,000	-69,739,000	49,615,000	-58,064,000	53,706,000	12,186,000	68,937,000	-33,197,000	-3,824,000	10,442,000	-25,971,000	14,465,000	7,171,000	-15,782,000	18,299,000	-12,884,000	6,097,000	12,312,000	-9,220,000	842,000	17,210,000	12,133,000	5,580,000
cash and cash equivalents at beginning of period	0	284,056,000		0	0	205,189,000		0	0	197,350,000		0	0	1,269,071,000	216,843,000	0	180,955,000		0	0	159,664,000	149,181,000	163,668,000		0	0	129,381,000		0		0	0	187,161,000		0	0	110,396,000		0	0	162,946,000		0				0	0	142,488,000		0	0	106,723,000
cash and cash equivalents at end of period	287,480,000	254,083,000		274,939,000	-111,572,000	319,092,000		470,766,000	-27,907,000	229,795,000		-202,558,000	-570,564,000	1,094,180,000	283,360,000	12,313,000	177,119,000		22,150,000	-7,096,000	159,579,000	141,896,000	299,146,000		1,276,000	-160,440,000	299,604,000		89,179,000		173,696,000	-69,739,000	236,776,000		53,706,000	12,186,000	179,333,000		-3,824,000	10,442,000	136,975,000		7,171,000				6,097,000	12,312,000	133,268,000		17,210,000	12,133,000	112,303,000
net securities losses		104,000						183,000	4,641,000	4,998,000
proceeds from federal home loan bank stock redemption		13,816,000	4,532,000	18,662,000	25,016,000	26,465,000	7,157,000	18,455,000	27,334,000	38,589,000	29,634,000	5,919,000	479,000	93,000	35,664,000	50,425,000	48,444,000	59,975,000	63,227,000	52,561,000	71,081,000	56,521,000
purchases of federal home loan bank stock		-11,976,000				-17,940,000			-35,068,000	-39,218,000					-32,062,000		-39,172,000
discount on repurchase of subordinated debt
net gains on sales of loans held for sale																		-105,000	-94,000	-30,000	-57,000	-46,000	-480,000	-1,117,000	-458,000	-453,000	-441,000	-327,000		-239,000	-194,000	-215,000	-263,000	-189,000	-374,000	-224,000	-166,000	-45,000	-94,000	-18,000	-13,000	4,000	-40,000	-33,000	-43,000
net security (gains) losses																																									-15,000		-1,484,000
impairment of a minority interest equity investment
net deferred income tax expense
purchases of federal reserve bank and federal home loan bank stock											-49,455,000	-5,918,000									-68,153,000
net increase in short-term borrowings																		59,988,000	-42,289,000				1,326,000			46,226,000	-15,615,000	23,307,000	-17,673,000	-7,030,000	7,428,000	-7,906,000	10,965,000				-79,305,000				31,525,000					20,947,000	3,824,000			88,784,000	-27,978,000
repurchase of subordinated debt
proceeds from long-term debt							0	0	0	25,000,000
proceeds from the issuance of shares to employee and other stock plans			0												184,000	-32,000	204,000	156,000	259,000
net cash provided (used in) by financing activities
cash and cash equivalents at beginning of year																																													138,793,000
cash and cash equivalents at end of year																																													157,092,000
net securities (gains) losses				-476,000	92,000	-2,183,000
net security losses											217,000	148,000	587,000	179,000	812,000																														5,000	-30,000	-7,000	-22,000	934,000	546,000			4,000
net (gains) losses on sale of other real estate owned
proceeds from calls
purchase of bank owned life insurance
lease termination losses
proceeds from issuance of subordinated debt
payment of subordinated debt issuance costs
proceeds from issuance of long-term debt																		0	0	0	25,000,000																121,000	6,000	15,006,000	275,015,000	50,000,000
net gains on sale of loans held for sale												-34,000
purchases of bank owned life insurance
cash paid by employer for tax-withholdings on stock issuance												-57,000							-57,000
net incomees (gains) on sale of other real estate owned															11,000
amortization of operating lease right-of use assets															1,829,000
net (decrease) in short-term borrowings															-106,371,000						-133,111,000
trading security purchases																						-1,277,000											-80,000
net unrealized losses on trading securities
proceeds from sales of loans held for sale																		29,308,000	23,667,000	25,595,000	23,977,000	24,896,000	15,417,000		9,148,000	14,748,000	14,026,000		780,000		29,419,000	18,607,000	21,789,000		43,277,000	40,378,000	27,387,000		11,826,000	5,013,000	4,153,000
net incomees (gains) on sales and write-down of other real estate owned
gain on sale of equity investment
impairment write-down of equity security
impairment write-down of goodwill and intangible assets
re-evaluation of deferred tax amounts from tax act
proceeds from sale of equity investment
amortization of operating lease right-of-use asset																	1,799,000
originations and purchases of loans held for sale																	-26,586,000	-31,111,000	-27,716,000	-25,055,000	-24,188,000	-27,622,000	-17,307,000		-13,081,000	-18,943,000	-15,239,000	-11,722,000	-1,570,000	-11,713,000	-29,728,000	-17,751,000	-21,277,000			-45,195,000	-36,586,000	-7,152,000	-10,197,000	-7,019,000	-3,392,000	-9,911,000	-7,151,000	-6,076,000	-7,948,000
net security gains																	-57,000						-1,145,000	-21,000	-26,000	-97,000	-455,000	-52,000	-12,000	-2,063,000	-1,120,000			2,000	-129,000				-1,510,000
net decrease in cash and cash equivalents																	-3,836,000
excess tax (benefit) on stock-based compensation																		-36,000	-60,000	-40,000	-407,000
net gains on sales and write-down of other real estate owned
gain on asset sold
proceeds from the sales of other real estate owned																			842,000	748,000	534,000	2,430,000
net cash (used in) investing activities																			-64,255,000	-227,880,000	-108,249,000
net security																				-91,000	-72,000
net (gain) on sales and write-down of other real estate owned
net (increase) in other assets
net increase in other liabilities																				1,529,000	9,333,000			1,085,000	9,686,000	-3,063,000	-7,836,000	10,274,000	1,373,000	-3,755,000	7,892,000	2,487,000	-3,979,000	-1,230,000	-1,056,000	7,716,000	969,000	-8,535,000	-4,172,000	4,229,000	-1,297,000	1,680,000	-2,528,000	4,106,000	3,590,000	-5,053,000	2,364,000	2,563,000	-2,199,000	1,693,000
net unrealized losses in trading securities
net (gain) loss on sales and write-down of other real estate owned																					-174,000
net increase in other assets																					-7,272,000													-25,639,000	-1,970,000	4,545,000	-16,260,000					-125,000	-6,371,000	238,000	-2,135,000
proceeds from the issuance of shares to employee benefit plans and other stock plans																					672,000	1,983,000		549,000	148,000	-225,000	915,000	663,000	-44,000	387,000	0	784,000	504,000	1,570,000	659,000	-569,000	1,068,000	1,378,000	7,847,000	1,040,000	288,000	1,921,000	178,000	908,000	1,346,000
net (decrease) in cash and cash equivalents																					-85,000
net accretion on securities																						1,267,000	1,091,000	642,000	569,000	553,000	644,000	658,000	427,000	578,000	502,000	236,000	152,000			110,000	116,000	106,000			72,000	42,000	17,000	27,000	19,000
stock-based compensation																																											731,000	605,000	839,000		484,000	812,000	711,000
gains on trading securities
losses on trading securities																						491,000
net gain on sales of other real estate owned																						157,000	-151,000		-185,000	-170,000	-247,000		-251,000						-95,000	-31,000	-12,000		-134,000	-4,000	-76,000	-122,000	-189,000	-95,000	-36,000
impairment write-down																						1,312,000
net decrease in other assets																						595,000	915,000		-1,783,000	6,067,000	5,032,000		803,000																				6,025,000
net (decrease) in other liabilities																						-5,145,000
proceeds from maturities, calls, and principal paydowns																						78,038,000	109,986,000	192,668,000	175,770,000	105,050,000	100,340,000	181,197,000	112,399,000	91,275,000	134,504,000	140,433,000	145,182,000	91,010,000	86,281,000	143,320,000	113,516,000	101,274,000	53,109,000	91,837,000	167,340,000	87,399,000	44,531,000	45,200,000	56,182,000
(gains) losses in trading securities
net gains on sales of other real estate owned																																	-118,000
prepayment penalties on long-term debt
net decrease (increase) in other assets																														1,960,000	75,000	3,051,000	1,541,000							-451,000	529,000												4,605,000
net cash (used in) acquisitions
proceeds from fhlb stock redemption																							1,989,000
purchases of federal reserve and fhlb stock
cash paid during the year for:
interest																																			19,854,000	21,401,000	21,014,000				32,585,000
income taxes, net of refund
noncash investing activities:
loans transferred to other real estate owned
preferred stock acquired from sale of equity investment
transfer of available for sale securities to held to maturity portfolio
acquisitions:
fair value of assets acquired
purchases of trading securities																							-744,000		-48,000	-161,000	-496,000		-51,000		-36,000				-13,000	-48,000	-436,000
losses (gains) on trading securities
benefit from loan and lease losses																									4,755,000			5,576,000	5,175,000	6,687,000	7,529,000	6,350,000	9,243,000	8,641,000	9,101,000	9,199,000	6,451,000	7,721,000	7,179,000	5,803,000	6,478,000	13,440,000	4,788,000	9,770,000	2,096,000	3,484,000
stock based compensation																							1,964,000	806,000	761,000	790,000	2,007,000	808,000	713,000	1,224,000	574,000	1,470,000	514,000	774,000	618,000	1,456,000	285,000	568,000	487,000	559,000	599,000
deferred income tax expense
net increase in federal reserve and fhlb stock																								-1,214,000	0													77,000	2,201,000	30,000	-3,251,000
proceeds from bank owned life insurance																														0	0
excess tax benefit from exercise of stock options																							-17,000	21,000	-15,000	-68,000	70,000						809,000	-387,000	35,000	77,000	32,000	606,000	679,000	74,000	47,000
cash dividends and payments for fractional shares
unrealized gains on trading securities																							-100,000				-178,000
deferred income tax benefit																							-309,000	2,725,000	-941,000	-88,000	-1,706,000	-5,475,000	0			-4,350,000	-3,588,000
net decrease in other liabilities																							-9,336,000
issuance of long-term debt																											150,000		0
issuance of shares to employee benefit plans and other stock plans																							-342,000
cash dividends and payment for fractional shares																							-6,758,000		-6,734,000	-6,584,000	-6,648,000		-6,687,000		-6,897,000	-6,898,000	-6,883,000		-6,860,000	-6,859,000	-6,531,000		-6,466,000	-6,432,000	-6,416,000	-6,444,000	-6,491,000	-6,760,000	-6,531,000
unrealized (gains) losses in trading securities																								-19,000									-103,000		-198,000
unrealized losses (gains) in trading securities																															-19,000
net cash provided byfinancing activities																											125,216,000
net decrease in federal reserve and fhlb stock																												0			2,250,000	1,550,000	2,251,000												8,325,000
issuance of common stock																																		-136,000	1,000
unrealized losses in trading securities																																					102,000
net cash from acquisition
excess tax (obligation) benefit from exercise of stock options
net cash from lattremore acquisition
trading security (purchases) sales
deferred income tax (benefit) expense
impairment on lease residual assets																																						0
net cash from mang insurance agency, llc acquisition																																						-360,000
net decrease (increase) in loans																																			13,305,000	-2,391,000	6,524,000								17,313,000
net decrease (increase) in federal reserve and fhlb stock																																		1,124,000	1,126,000	-309,000	1,125,000
net increase in deferred tax liability
net decrease in loans																																	1,539,000
excess tax benefit (expense) from exercise of stock options
net gain on sales and writedowns of other real estate owned
excess tax benefit (cost) from exercise of stock options
supplemental disclosure of cash flow information
cash paid during the period for:																																									2,008,000
income taxes paid																																			6,483,000	3,874,000	164,000				94,000
loans transferred to oreo																																			1,975,000	494,000	664,000				110,000
net securities gains																																	-28,000
cash received from death benefit																																		0	0	17,000	1,037,000
unrealized (gains) losses on trading securities
purchases of treasury stock
fair value of liabilities assumed
net gain on sale of branch																																														0	0	0	-470,000
net cash paid for sale of branch																																														0	0
net cash from cnb bancorp, inc. merger																																														-342,000	0	-111,000	-20,770,000
proceeds from the issuance of trust preferred debentures																																														0	0	0	51,547,000
see accompanying notes to unaudited interim consolidated financial statements.
tax benefit from exercise of stock options																																											57,000	110,000	249,000
cash paid for the acquisition of epic advisors, inc.
cash received for the sale of m. griffith inc.																																																		0	2,000	-2,000	1,016,000
goodwill impairment
operating activities:
adjustments to reconcile net income to net cash from operating activities:
depreciation of premises and equipment																																															1,504,000	1,524,000	1,590,000		1,578,000	1,596,000	1,573,000
tax benefit from the exercise of stock options																																															-733,000	119,000	313,000
origination of loans held for sale																																															-7,722,000	-5,849,000	-6,957,000
net gains on sales of loans
net gain on sale of other real estate owned																																															-127,000	-107,000	-60,000
investing activities:
proceeds from maturities																																															55,398,000	43,642,000	45,451,000		43,010,000	50,818,000	37,054,000
net sales of frb and fhlb stock
cash paid for the acquisition of epic advisor’s, inc.
purchase of premises and equipment																																															-1,544,000	-583,000	-599,000
financing activities:
proceeds from the issuance of long-term debt
excess tax benefit from the exercise of stock options
proceeds from issuance of treasury shares to employee benefit plans and other stock plans																																															3,092,000	596,000	3,012,000				1,007,000
net gains on sale of loans
net purchases of frb and fhlb stock
net (gains) losses on sale of loans																																																	-60,000
net purchases (sales) of frb and fhlb stock																																																	2,297,000
net cash paid in sale of branch																																																	-2,307,000
amortization of restricted stock awards																																																		92,000	86,000	-48,000	228,000
net income on disposal of premises and equipment
writedown of nonmarketable securities
income taxes
transfer of loans to other real estate owned
fair value of assets sold
fair value of liabilities transferred
adjustments to reconcile net income to net cash providedby operating activities:
proceeds from issuance of long term debt																																																			35,146,000
proceeds from issuance of treasury shares to employee benefit plans and other stock plans, including tax benefit
net incomees (gains) on sale of loans																																																					5,000
net (purchases) proceeds of frb and fhlb stock
net (increase) in loans
amortization of goodwill and intangible assets
amortization of restricted stock
net incomees (gains) on sales of loans held for sale
gain on sale of branch
net cash paid in conjunction with branch sale
fair value of assets (sold) acquired
fair value of liabilities (sold) assumed
see accompanying notes to consolidated financial statements.
consolidated statements of comprehensive income
other comprehensive income, net of tax
unrealized net holding gains arising during the year
minimum pension liability adjustment
less reclassification adjustment for net
total other comprehensive income
comprehensive income
see accompanying notes to consolidated financial statements

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