Northwest Bancshares, Inc
(NASDAQ:NWBI)

Northwest Bancshares, Inc. operates as a holding company for Northwest Bank that offers various personal and business banking solutions. The company accepts various deposits, such as checking, savings, money market deposit, term certificate, and individual retirement accounts. Its loan products incl...

Website: http://www.northwest.com

Full Time Employees: 2,523

Sector: Financial Services

Industry: Banks-Regional

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Unit: USD	2025-12-31	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30	2023-06-30	2023-03-31	2022-12-31	2022-09-30	2022-06-30	2022-03-31	2021-12-31	2021-09-30	2021-06-30	2021-03-31	2020-12-31	2020-09-30	2020-06-30	2020-03-31	2019-09-30	2019-06-30	2019-03-31	2018-09-30	2018-06-30	2018-03-31	2017-09-30	2017-03-31	2016-09-30	2016-06-30	2016-03-31	2015-09-30	2015-06-30	2015-03-31	2014-12-31	2014-09-30	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	2011-09-30	2011-06-30	2011-03-31	2010-06-30	2010-03-31	2009-12-31

interest income:
loans receivable	184,047,000	177,723,000	154,914,000	164,638,000	155,838,000	156,413,000	153,954,000	149,571,000	146,523,000	140,667,000	132,724,000	123,745,000	117,137,000	106,943,000	95,574,000	88,174,000	95,295,000	97,475,000	95,255,000	102,318,000	105,681,000	107,241,000	103,012,000	94,973,000	101,091,000	100,917,000	94,935,000	90,733,000	88,106,000	85,220,000	85,373,000	82,751,000	82,435,000	82,645,000	80,781,000	76,087,000	70,985,000	70,711,000	71,182,000	70,820,000	70,797,000	69,373,000	70,849,000	71,480,000	71,987,000	73,474,000	76,701,000	77,109,000	77,422,000	78,159,000	80,562,000	79,993,000	80,457,000	81,734,000	80,746,000
mortgage-backed securities	14,071,000	12,668,000	12,154,000	11,730,000	11,515,000	10,908,000	9,426,000	7,944,000	7,951,000	8,072,000	8,326,000	8,537,000	8,603,000	8,683,000	7,158,000	6,360,000	5,743,000	5,840,000	5,680,000	4,200,000	4,551,000	4,652,000	4,038,000	4,175,000	4,188,000	4,280,000	3,965,000	3,572,000	3,254,000	3,013,000	3,118,000	2,222,000	2,030,000	2,115,000	2,229,000	2,230,000	2,058,000	2,234,000	2,357,000	2,504,000	2,666,000	2,793,000	2,956,000	3,113,000	3,308,000	3,441,000	3,697,000	3,941,000	4,409,000	4,691,000	5,544,000	6,073,000	6,756,000	6,706,000	6,145,000
taxable investment securities	1,324,000	1,183,000	999,000	933,000	910,000	842,000	728,000	794,000	786,000	786,000	841,000	845,000	840,000	838,000	715,000	677,000	640,000	649,000	693,000	634,000	471,000	427,000	439,000	648,000	884,000	898,000	936,000	814,000	648,000	678,000	957,000	1,006,000	627,000	756,000	1,038,000	1,689,000	1,604,000	1,045,000	1,032,000	1,004,000	1,014,000	1,080,000	1,052,000	1,030,000	1,034,000	905,000	743,000	577,000	435,000	573,000	684,000	594,000	398,000	599,000	998,000
tax-free investment securities	777,000	752,000	512,000	512,000	515,000	512,000	457,000	491,000	492,000	491,000	667,000	700,000	701,000	709,000	683,000	674,000	688,000	628,000	594,000	575,000	656,000	655,000	564,000	185,000	224,000	237,000	182,000	205,000	313,000	390,000	476,000	569,000	676,000	707,000	724,000	986,000	1,143,000	1,348,000	1,467,000	1,561,000	1,598,000	1,655,000	1,748,000	1,912,000	2,094,000	2,063,000	2,132,000	2,223,000	2,318,000	2,446,000	2,848,000	2,992,000	3,074,000	2,853,000	2,684,000
fhlb stock dividends	701,000	652,000	318,000	366,000	392,000	394,000	498,000	607,000	666,000	668,000	844,000	690,000	419,000	148,000	82,000	81,000	82,000	71,000	138,000	116,000
interest-earning deposits	1,905,000	1,700,000	2,673,000	2,416,000	1,552,000	2,312,000	1,791,000	832,000	970,000	914,000	594,000	423,000	153,000	1,295,000	1,684,000	467,000	467,000	352,000	192,000	183,000	178,000	221,000	185,000	135,000	172,000	159,000	100,000	162,000	469,000	135,000	244,000	660,000	114,000	70,000	59,000	99,000	180,000	139,000	164,000	187,000	286,000	200,000	249,000	253,000	340,000	251,000	382,000	364,000	473,000	380,000	393,000	489,000	407,000	512,000	565,000
total interest income	202,825,000	194,678,000	171,570,000	180,595,000	170,722,000	171,381,000	166,854,000	160,239,000	157,388,000	151,598,000	143,996,000	134,940,000	127,853,000	118,616,000	105,896,000	96,433,000	102,915,000	105,015,000	102,552,000	108,026,000	111,729,000	113,414,000	108,547,000	100,378,000	106,866,000	106,807,000	100,289,000	95,605,000	92,875,000	89,533,000	90,231,000	87,267,000	86,100,000	86,694,000	85,298,000	81,091,000	75,970,000	75,477,000	76,202,000	76,076,000	76,361,000	75,101,000	76,854,000	77,788,000	78,763,000	80,134,000	83,655,000	84,214,000	85,057,000	86,249,000	90,031,000	90,141,000	91,092,000	92,404,000	91,138,000
interest expense:
deposits	52,947,000	51,880,000	46,826,000	47,325,000	50,854,000	54,198,000	52,754,000	47,686,000	40,600,000	31,688,000	21,817,000	11,238,000	3,871,000	3,157,000	3,341,000	3,751,000	4,295,000	4,540,000	4,773,000	5,514,000	6,714,000	8,443,000	9,336,000	11,403,000	13,694,000	12,484,000	10,145,000	8,233,000	7,309,000	6,458,000	5,795,000	5,465,000	5,653,000	5,865,000	6,088,000	6,163,000	5,691,000	5,766,000	6,106,000	6,305,000	6,421,000	6,490,000	6,911,000	7,150,000	7,404,000	7,814,000	9,042,000	10,207,000	11,184,000	12,944,000	14,958,000	15,473,000	16,063,000	18,973,000	21,404,000
borrowed funds	7,712,000	6,824,000	5,300,000	5,452,000	5,671,000	5,881,000	7,259,000	9,315,000	10,486,000	11,542,000	13,630,000	11,238,000	6,938,000	2,710,000	2,290,000	2,059,000	1,964,000	2,056,000	2,050,000	2,054,000	2,127,000	1,437,000	1,133,000	1,747,000	2,236,000	1,720,000	2,162,000	1,555,000	1,340,000	1,308,000	1,199,000	1,225,000	1,801,000	4,143,000	7,658,000	7,987,000	8,101,000	8,133,000	7,876,000	7,882,000	7,793,000	7,714,000	7,894,000	8,126,000	8,032,000	7,831,000	7,998,000	8,013,000	7,912,000	7,899,000	8,061,000	7,989,000	7,989,000	9,704,000	9,700,000
total interest expense	60,659,000	58,704,000	52,126,000	52,777,000	56,525,000	60,079,000	60,013,000	57,001,000	51,086,000	43,230,000	35,447,000	22,476,000	10,809,000	5,867,000	5,631,000	5,810,000	6,259,000	6,596,000	6,823,000	7,568,000	8,841,000	9,880,000	10,469,000	13,150,000	15,930,000	14,204,000	12,307,000	9,788,000	8,649,000	7,766,000	6,994,000	6,690,000	7,454,000	10,008,000	13,746,000	14,150,000	13,792,000	13,899,000	13,982,000	14,187,000	14,214,000	14,204,000	14,805,000	15,276,000	15,436,000	15,645,000	17,040,000	18,220,000	19,096,000	20,843,000	23,019,000	23,462,000	24,052,000	28,677,000	31,104,000
net interest income	142,166,000	135,974,000	119,444,000	127,818,000	114,197,000	111,302,000	106,841,000	103,238,000	106,302,000	108,368,000	108,549,000	112,464,000	117,044,000	112,749,000	100,265,000	90,623,000	96,656,000	98,419,000	95,729,000	100,458,000	102,888,000	103,534,000	98,078,000	87,228,000	90,936,000	92,603,000	87,982,000	85,817,000	84,226,000	81,767,000	83,237,000	80,577,000	78,646,000	76,686,000	71,552,000	66,941,000	62,178,000	61,578,000	62,220,000	61,889,000	62,147,000	60,897,000	62,049,000	62,512,000	63,327,000	64,489,000	66,615,000	65,994,000	65,961,000	65,406,000	67,012,000	66,679,000	67,040,000	63,727,000	60,034,000
provision for credit losses - loans	5,743,000	31,394,000	11,456,000	8,256,000	15,549,000	5,727,000	2,169,000	4,234,000	3,801,000	3,983,000	6,010,000	4,870,000
provision for credit losses - unfunded commitments	1,981,000	-189,000	-2,712,000	-345,000	1,016,000	-852,000	-2,539,000	-799,000	4,145,000	-2,981,000	2,920,000	126,000
net interest income after provision for credit losses	134,442,000	104,769,000	110,700,000	119,907,000	97,632,000	106,427,000	107,211,000	99,803,000	98,356,000	107,366,000	99,619,000	107,468,000	108,021,000	105,060,000	97,636,000	92,104,000	98,565,000	102,773,000	95,729,000	106,078,000	50,658,750	96,716,000		59,591,000
noninterest income:
gain on sale of investments	142,000	36,000															-4,000	-46,000	-105,000	-21,000	75,000	-12,000		181,000		29,000				153,000	1,497,000	17,000			127,000	260,000	566,000	95,000	381,000	852,000	349,000	3,348,000	5,889,000	109,000		101,000	394,000	260,000		44,000	152,000	45,000	4,000	94,000	2,083,000
gain on sale of sba loans	437,000	341,000	819,000	1,238,000	822,000	667,000	1,457,000	873,000	388,000	301,000	832,000
service charges and fees	17,377,000	16,911,000	15,797,000	14,987,000	15,975,000	15,932,000	15,527,000	15,523,000	15,922,000	15,270,000	14,833,000	13,189,000	14,125,000	14,323,000	13,673,000	13,067,000	13,500,000	13,199,000	12,744,000	12,394,000	13,074,000	14,354,000	13,069,000	15,116,000	13,558,000	13,339,000	12,043,000	13,158,000	12,908,000	11,899,000	12,724,000	11,717,000	11,012,000	10,630,000	10,065,000	9,945,000	9,228,000	8,659,000	9,268,000	9,665,000	9,042,000	8,408,000	8,874,000	9,282,000	9,037,000	8,190,000	8,587,000	8,772,000	8,702,000	8,425,000	8,499,000	9,321,000	8,928,000	9,902,000	8,902,000
trust and other financial services income	8,416,000	8,040,000	7,948,000	7,910,000	7,485,000	7,924,000	7,566,000	7,127,000	6,884,000	7,085,000	6,866,000	6,449,000	6,642,000	6,650,000	7,461,000	7,012,000	6,820,000	7,182,000	7,435,000	6,484,000	5,722,000	5,376,000	4,823,000	5,001,000	4,609,000	4,444,000	4,195,000	4,254,000	4,050,000	4,031,000	4,793,000	4,304,000	3,434,000	3,277,000	3,261,000	3,062,000	3,094,000	2,776,000	3,291,000	2,976,000	3,055,000	3,047,000	2,483,000	2,380,000	2,263,000	2,204,000	2,288,000	2,122,000	2,018,000	2,116,000	2,063,000	2,185,000	1,910,000	1,912,000	1,833,000
gain on real estate owned	148,000	132,000	258,000	84,000	238,000	105,000	487,000	57,000	1,084,000	29,000	785,000	108,000	51,000	290,000	291,000		71,000	247,000	166,000							91,000
income from bank-owned life insurance	8,269,000	1,751,000	1,421,000	1,331,000	2,020,000	1,434,000	1,371,000	1,502,000	1,454,000	4,561,000	1,304,000	1,269,000	1,663,000	1,475,000	2,008,000	1,983,000	1,343,000	1,332,000	1,639,000	1,736,000	1,330,000	1,576,000	1,248,000	1,036,000	1,095,000	1,197,000	1,005,000
mortgage banking income	379,000	1,003,000	1,075,000	696,000	224,000	744,000	901,000	452,000	247,000	632,000	1,028,000	524,000	477,000	766,000	2,157,000	1,465,000	2,120,000	3,941,000	3,811,000	6,020,000	7,120,000	11,055,000	12,022,000	1,194,000	1,921,000	188,000	216,000	82,000	77,000	224,000	519,000	240,000	1,886,000	446,000	218,000	267,000	218,000	240,000	269,000	239,000	265,000	249,000	228,000	203,000	236,000	956,000	1,874,000	1,484,000	789,000	531,000	400,000	290,000		29,000
other operating income	2,609,000	3,984,000	3,620,000	2,109,000	13,299,000	1,027,000	3,255,000	2,429,000	2,465,000	3,010,000	4,150,000	2,430,000	4,901,000	3,301,000	4,861,000	2,244,000	3,192,000	3,287,000	2,648,000	2,836,000	2,654,000	2,022,000	2,044,000	1,865,000	2,500,000	1,930,000	2,034,000	1,804,000	2,475,000	2,288,000	2,184,000	1,431,000	1,070,000	1,711,000	1,219,000	1,288,000	742,000	1,963,000	1,188,000	1,836,000	1,688,000	1,175,000	869,000	1,049,000	865,000	1,176,000	964,000	949,000	1,244,000	997,000	1,002,000	1,015,000	768,000	1,314,000	860,000
total noninterest income	37,777,000	32,198,000	30,938,000	28,355,000	40,063,000	27,833,000	-8,849,000	27,963,000	29,169,000	30,888,000	29,797,000	23,969,000	27,858,000	26,803,000	30,448,000	25,740,000	27,042,000	29,186,000	54,708,000	31,953,000	32,123,000	36,670,000	35,496,000	27,976,000	26,169,000	23,363,000	21,662,000	22,557,000	24,109,000	21,788,000	24,594,000	21,504,000	20,818,000	20,275,000	19,448,000	18,140,000	16,525,000	16,028,000	17,605,000	18,189,000	17,124,000	19,657,000	20,947,000	16,109,000	13,413,000	15,877,000	14,355,000	14,935,000	14,837,000	13,640,000	14,510,000	15,262,000	14,326,000	15,545,000	15,857,000
noninterest expense:
compensation and employee benefits	65,143,000	63,014,000	55,213,000	54,540,000	53,198,000	56,186,000	53,531,000	51,540,000	50,194,000	51,243,000	47,650,000	46,604,000	46,658,000	46,711,000	48,073,000	46,917,000	48,691,000	49,063,000	48,894,000	47,239,000	48,209,000	47,371,000	40,049,000	42,746,000	40,816,000	42,008,000	38,188,000	37,535,000	39,031,000	36,510,000	36,039,000	37,755,000	39,474,000	34,349,000	33,033,000	31,000,000	28,920,000	27,895,000	31,405,000	28,047,000	28,543,000	27,972,000	28,475,000	27,629,000	28,156,000	27,930,000	28,302,000	28,171,000	27,416,000	27,838,000	26,004,000	29,658,000	25,499,000	24,960,000	25,856,000
premises and occupancy costs	8,170,000	7,707,000	7,122,000	8,400,000	7,263,000	7,115,000	7,464,000	7,627,000	7,049,000	7,052,000	7,579,000	7,471,000	7,370,000	7,171,000	7,280,000	7,797,000	7,104,000	7,745,000	7,410,000	8,814,000	7,614,000	8,342,000	7,195,000	7,471,000	7,061,000	7,387,000	7,218,000	6,821,000	6,824,000	7,307,000	6,951,000	7,516,000	6,094,000	6,275,000	6,537,000	6,072,000	5,899,000	6,267,000	5,516,000	5,642,000	5,740,000	6,557,000	5,652,000	5,633,000	5,744,000	6,153,000	5,680,000	5,498,000	5,483,000	5,748,000	5,658,000	5,650,000	6,191,000	5,340,000	6,002,000
office operations	4,217,000	3,495,000	2,910,000	2,977,000	3,036,000	2,811,000	3,819,000	2,767,000	3,747,000	3,398,000	2,800,000	3,010,000	3,544,000	3,229,000	3,162,000	3,383,000	3,144,000	4,143,000	3,317,000	3,165,000	4,009,000	4,626,000	3,711,000	3,382,000	3,197,000	3,708,000	3,131,000	3,508,000	3,768,000	3,408,000	3,939,000	4,222,000	3,700,000	3,343,000	3,460,000	3,892,000	3,508,000	3,680,000	3,677,000	3,419,000	3,868,000	3,757,000	3,823,000	3,497,000	3,866,000	3,268,000	3,419,000	3,141,000	3,340,000	3,324,000	3,209,000	3,255,000	3,100,000	2,934,000	3,237,000
collections expense	856,000	776,000	838,000	328,000	905,000	474,000	406,000	336,000	328,000	551,000	429,000	387,000	563,000	322,000	403,000	520,000	602,000	411,000	303,000	616,000	893,000	1,264,000	644,000	474,000	747,000	939,000	308,000	483,000	434,000	512,000	568,000	549,000	589,000	729,000	676,000
processing expenses	16,454,000	15,072,000	12,973,000	13,990,000	15,361,000	14,570,000	14,695,000	14,725,000	15,017,000	14,672,000	14,648,000	14,350,000	13,585,000	13,416,000	12,947,000	12,548,000	13,639,000	13,517,000	15,151,000	13,456,000	12,186,000	15,042,000	11,680,000	11,142,000	11,122,000	10,634,000	10,434,000	9,620,000	9,560,000	9,706,000	9,650,000	9,909,000	8,844,000	8,172,000	8,414,000	8,126,000	7,392,000	7,205,000	6,720,000	6,723,000	6,639,000	6,589,000	6,269,000	6,036,000	7,390,000	5,853,000	6,459,000	6,340,000	6,059,000	6,142,000	5,896,000	5,687,000	5,767,000	5,552,000	5,696,000
marketing expenses	1,827,000	1,932,000	3,018,000	1,880,000	2,327,000	2,004,000	2,410,000	2,149,000	1,317,000	2,379,000	2,856,000	2,892,000	2,773,000	2,147,000	2,047,000	2,128,000	2,054,000	2,102,000	2,101,000	1,980,000	1,994,000	2,147,000	2,047,000	1,507,000	1,373,000	2,729,000	1,886,000	1,949,000	2,014,000	2,140,000	2,488,000	2,148,000	2,239,000	2,541,000	1,891,000	1,691,000	3,190,000	1,976,000	1,434,000	2,211,000	2,931,000	1,637,000	1,259,000	1,032,000	2,093,000	1,900,000	134,000	1,830,000	3,829,000	2,036,000	2,788,000	2,108,000	1,959,000	3,294,000	1,443,000
federal deposit insurance premiums	3,538,000	3,361,000	2,296,000	2,328,000	2,949,000	2,763,000	2,865,000	3,023,000	2,643,000	2,341,000	2,064,000	2,223,000	1,319,000	1,200,000	1,130,000	1,129,000	1,131,000	1,184,000	1,353,000	1,307,000	1,651,000	1,498,000	1,618,000		-702,000	681,000	706,000	721,000	671,000	717,000	771,000	1,167,000	984,000	1,442,000	1,503,000	1,177,000	1,286,000	1,347,000	1,316,000	1,242,000	1,338,000	1,297,000	1,361,000	1,377,000	1,424,000	1,438,000	1,211,000	1,305,000	1,418,000	1,620,000	1,386,000	2,355,000	2,427,000	2,148,000	2,148,000
professional services	3,366,000	3,010,000	3,990,000	2,756,000	3,788,000	3,302,000	3,728,000	4,065,000	6,255,000	3,002,000	3,804,000	4,758,000	5,434,000	3,363,000	3,333,000	2,573,000	4,513,000	4,295,000	4,231,000	4,582,000	3,599,000	3,246,000	2,825,000	2,812,000	3,032,000	3,198,000	2,524,000	2,368,000	2,819,000	2,277,000	2,321,000	2,575,000	1,815,000	2,129,000	1,833,000	1,529,000	1,652,000	1,792,000	1,970,000	1,854,000	1,775,000	2,062,000	2,044,000	1,331,000	1,199,000	1,693,000	1,869,000	1,939,000	1,500,000	1,697,000	1,238,000	1,289,000	1,256,000	583,000	728,000
amortization of intangible assets	2,257,000	1,974,000	436,000	504,000	526,000	590,000	635,000	701,000	724,000	795,000	842,000	909,000	932,000	1,047,000	1,115,000	1,183,000	1,205,000	1,321,000	1,433,000	1,594,000	1,664,000	1,781,000	1,760,000	1,651,000	1,702,000	1,760,000	1,447,000	1,462,000	1,520,000	1,520,000	1,691,000	1,749,000	1,068,000	710,000	675,000							331,000				348,000				295,000			491,000
merger, asset disposition and restructuring expense	4,160,000	31,260,000	6,244,000	1,123,000	2,850,000	43,000	1,915,000	955,000	2,354,000		1,593,000	2,802,000	4,243,000			1,374,000	2,812,000		632,000
other expenses	3,533,000	1,897,000	2,500,000	2,911,000	3,085,000	886,000	895,000	2,070,000	997,000	1,996,000	1,510,000	1,863,000	4,180,000	3,906,000	5,245,000	2,355,000	1,346,000	2,227,000	1,422,000	3,354,000	3,191,500	27,000		4,873,000	2,106,000	3,235,000
total noninterest expense	113,521,000	133,498,000	97,540,000	91,737,000	95,326,000	90,767,000	92,420,000	90,024,000	90,676,000	87,570,000	85,858,000	87,450,000	90,654,000	82,573,000	84,807,000	81,944,000	86,285,000	86,102,000	86,332,000	86,191,000	92,849,000	86,869,000	89,163,000	78,611,000	70,596,000	77,512,000	71,424,000	66,617,000	69,787,000	67,421,000	68,799,000	71,646,000	75,032,000	103,261,000	63,275,000	63,804,000	55,135,000	53,711,000	55,212,000	53,354,000	53,806,000	53,163,000	52,580,000	50,277,000	52,806,000	51,471,000	50,432,000	51,803,000	51,966,000	51,276,000	49,923,000	52,490,000	49,378,000	48,157,000	48,604,000
income before income taxes	58,698,000	3,469,000	44,098,000	56,525,000	42,369,000	43,493,000	5,942,000	37,742,000	36,849,000	50,684,000	43,558,000	43,987,000	45,225,000	49,290,000	43,277,000	35,900,000	39,322,000	45,857,000	64,105,000	51,840,000	44,392,000	46,517,000		8,956,000	43,207,000	33,787,000	31,753,000	34,775,000	33,199,000	31,925,000	36,005,000	25,798,000	18,894,000		26,065,000	18,110,000	22,518,000	22,995,000	23,535,000	23,258,000	17,180,000	19,906,000	29,452,000	23,352,000	18,529,000	21,737,000	22,365,000	22,211,000	23,869,000	21,483,000	23,542,000	21,084,000	24,744,000	23,219,000	18,486,000
federal and state income taxes expense	5,948,000	302,000	10,423,000	13,067,000	4,912,250	9,875,000	1,195,000	8,579,000	8,071,500	11,464,000	10,514,000	10,308,000	7,362,500	11,986,000	9,851,000	7,613,000	9,383,750	10,794,000	15,138,000	11,603,000	2,086,250	8,467,000		1,017,000	9,793,000	7,404,000	6,709,000	7,035,000	6,900,000	6,940,000	12,414,000	8,052,000
net income	45,713,000	3,167,000	33,675,000	43,458,000	32,750,000	33,618,000	4,747,000	29,163,000	29,014,000	39,220,000	33,044,000	33,679,000	34,649,000	37,304,000	33,426,000	28,287,000	30,056,000	35,063,000	48,967,000	40,237,000	35,065,000	38,050,000		7,939,000	33,414,000	26,383,000	25,044,000	27,740,000	26,299,000	24,985,000	23,591,000	17,746,000	14,197,000		17,984,000	12,872,000	15,305,000	16,170,000	17,345,000	17,332,000	12,715,000	14,640,000	20,363,000	17,600,000	13,478,000	15,298,000	16,325,000	15,693,000	16,361,000	15,181,000	16,720,000	15,003,000	17,253,000	16,141,000	13,153,000
yoy	39.58%	-90.58%	609.40%	49.02%	12.88%	-14.28%	-85.63%	-13.41%	-16.26%	5.14%	-1.14%	19.06%	15.28%	6.39%	-31.74%	-29.70%	-14.28%	-7.85%		406.83%	4.94%	44.22%		-71.38%	27.05%	5.60%	6.16%	56.32%	85.24%		31.18%	37.87%	-7.24%		3.68%	-25.73%	20.37%	10.45%	-14.82%	-1.52%	-5.66%	-4.30%	24.74%	12.15%	-17.62%	0.77%	-2.36%	4.60%	-5.17%	-5.95%	27.12%
qoq	1343.42%	-90.60%	-22.51%	32.70%	-2.58%	608.19%	-83.72%	0.51%	-26.02%	18.69%	-1.89%	-2.80%	-7.12%	11.60%	18.17%	-5.89%	-14.28%	-28.39%	21.70%	14.75%	-7.84%			-76.24%	26.65%	5.35%	-9.72%	5.48%	5.26%	5.91%	32.94%	25.00%			39.71%	-15.90%	-5.35%	-6.77%	0.08%	36.31%	-13.15%	-28.10%	15.70%	30.58%	-11.90%	-6.29%	4.03%	-4.08%	7.77%	-9.20%	11.44%	-13.04%	6.89%	22.72%
basic earnings per share	0.32	0.02	0.26	0.34	0.26	0.26	0.04	0.23	0.23	0.31	0.26	0.27	0.27	0.29	0.26	0.22	0.24	0.28	0.38	0.32	0.28	0.3		0.08	0.32	0.25	0.24	0.27	0.26	0.25	0.23	0.18	0.14		0.18	0.14	0.17	0.18	0.19	0.19	0.14	0.16	0.23	0.19	0.15	0.17	0.18	0.17	0.17	0.16	0.17	0.15	0.16	0.15	0.12
diluted earnings per share	0.31	0.02	0.26	0.34	0.26	0.26	0.04	0.23	0.23	0.31	0.26	0.26	0.27	0.29	0.26	0.22	0.24	0.27	0.38	0.32	0.28	0.3		0.07	0.31	0.25	0.24	0.27	0.25	0.24	0.23	0.17	0.14	-0.07	0.18	0.13	0.17	0.18	0.19	0.19	0.14	0.16	0.22	0.19	0.15	0.17	0.18	0.17	0.17	0.16	0.17	0.15	0.16	0.15	0.12
loss on sale of investments							-39,413,000		-1,000		-8,306,000		-1,750	-2,000	-3,000	-2,000
gain on sale of mortgage servicing rights											8,305,000
real estate owned expense					38,000	23,000	57,000	66,000	51,000	141,000	83,000	181,000	53,000	61,000	72,000	37,000	44,000	94,000	85,000	75,000	64,000	111,000	89,000	95,000	119,000	128,000	159,000	205,000	133,000	292,000	310,000	282,000	206,000	295,000	311,000	471,000	514,000	692,000	406,000	636,000	459,000	639,000	557,000	681,000	600,000	599,000	477,000	832,000	571,000	740,000	483,000	249,000	431,000	712,000	899,000
provision for credit losses													9,023,000	7,689,000	2,629,000	-1,481,000	-1,909,000	-4,354,000		-5,620,000	21,551,250	6,818,000		27,637,000
insurance commission income																		44,000	1,043,000	2,546,000	2,034,000	2,331,000	2,395,000	2,372,000	1,887,000	2,145,000	2,178,000	2,046,000	2,090,000	2,749,000	1,992,000	2,794,000	2,541,000	2,768,000	2,714,000	2,398,000	2,210,000	2,428,000	2,181,000	1,778,000	2,237,000	2,564,000	2,131,000	2,019,000	2,190,000	2,295,000	1,463,000	1,480,000	1,603,000	1,718,000	1,796,000	1,790,000	1,380,000	1,293,000	1,142,000
gain on sale of insurance business																			25,327,000
loss on real estate owned																-29,000				-42,000	114,000	-32,000		-91,000	-227,000		-3,000	-247,000					-563,000																		-1,340,000	-593,000	-27,000		-24,000
gain on sale of loans																								1,302,000	826,000
merger/asset disposition expense																				9,000
federal home loan bank stock dividends																					197,250	218,000	309,000	262,000	307,000	316,000	171,000
acquisition/branch optimization expense																					7,238,000	1,414,000
benefit from credit losses																							51,750,000
net interest income after benefit from credit losses																							46,328,000
gain/(loss) on sale of investments																							-8,000				-6,000
gain/(loss) on real estate owned																							-97,000
restructuring/acquisition expense																							9,679,000	2,458,000	23,000	1,105,000	1,926,000
other incomes																							7,866,000				3,497,000	1,759,000	2,620,000	3,032,000	2,673,000	3,551,000	2,836,000	2,912,000	4,307,000	1,834,000	2,038,000	2,242,000	2,437,000	3,250,000	2,182,000	2,322,000	2,918,000	2,770,000	1,985,000	2,289,000	2,639,000	2,528,000	2,071,000	1,836,000	2,786,000	1,760,000	2,257,000	1,875,000	1,813,000
income/(loss) before income taxes																							-7,339,000
federal and state income taxes expense/																							-1,139,000										4,697,000	-3,491,000
net income/																							-6,200,000											-7,008,000
basic earnings/(loss) per share																							-0.05
diluted earnings/(loss) per share																							-0.05
provision for loan losses																									3,302,000	4,667,000
net interest income after provision for loan losses																									87,634,000	87,936,000
interest income
interest expense
noninterest expense
benefit from loan losses																											6,467,000	6,982,000	5,349,000	4,209,000	3,027,000	4,637,000	5,538,000	4,199,000	1,660,000	3,167,000	1,050,000	900,000	1,078,000	3,466,000	8,285,000	7,485,000	964,000	4,992,000	5,405,000	7,158,000	8,173,000	6,915,000	4,963,000	6,287,000	8,057,000	8,367,000	7,244,000	7,896,000	8,801,000
net interest income after benefit from loan losses																											81,515,000	78,835,000	78,877,000	77,558,000	80,210,000	75,940,000	73,108,000	72,487,000	69,892,000	63,774,000	61,128,000	60,678,000	61,142,000	58,423,000	53,862,000	53,412,000	61,085,000	57,520,000	57,922,000	57,331,000	58,442,000	59,079,000	60,998,000	59,119,000	58,955,000	58,312,000	59,796,000	55,831,000	51,233,000
fhlb dividends																												119,000	85,000	97,000	63,000	59,000	218,000	401,000	467,000
income from bank owned life insurance																												1,460,000	2,333,000	990,000	1,078,000	1,068,000	1,380,000	1,105,000	1,595,000	1,166,000	1,008,000	913,000	1,057,000	1,083,000	1,050,000	1,001,000	1,846,000	1,178,000	1,088,000	1,085,000	1,589,000	1,148,000	1,107,000	1,117,000	1,938,000	1,716,000	1,166,000	1,474,000	1,166,000
gain on sale of offices
restructuring/ acquisition expense																												186,000	393,000		1,398,000	223,000	7,183,000	3,386,000	635,000
gain/ (loss) on real estate owned																													176,000		-193,000			111,000	249,000
(loss)/ gain on real estate owned																														-546,000		-67,000																						-255,000
fhlb prepayment penalty																																		36,978,000
gain on sale/ call of investments																																	58,000	227,000
income/ (loss) before income taxes																																		-10,499,000
basic earnings/ (loss) per share																																		-0.07
federal and state income taxes																																			8,081,000	5,238,000	7,213,000	6,825,000	3,901,250	5,926,000	4,465,000	5,266,000	4,310,500	5,752,000	5,051,000	6,439,000	5,082,000	6,518,000	7,508,000	6,302,000	6,822,000	6,081,000	7,491,000	7,078,000	5,333,000
amortization of other intangible assets																																				422,000	269,000	268,000	331,000	330,000	331,000		222,000	291,000	349,000		219,000	219,000	279,000		475,000	479,000		759,000	782,000
acquisition expense																																				7,590,000	467,000	347,000
impairment losses on securities																																																				-577,000		-1,824,000	-437,000
noncredit related losses on securities not expected to be sold																																															111,000	247,000		307,000		70,000		1,606,000	340,000
net impairment losses																																																				-507,000		-218,000	-97,000
gain/ (loss) on sale of investments																																													19,000
noncredit related losses on securities not expected to be
sold
mortgage banking income /																																																					197,000
fdic special assessment
mortgage banking (loss)/ income																																																							-8,000

Balance Sheets:

Quarterly

Annual

Unit: USD	2025-12-31	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30	2023-06-30	2023-03-31	2022-12-31	2022-09-30	2022-06-30	2022-03-31	2021-12-31	2021-09-30	2021-06-30	2021-03-31	2020-12-31	2020-09-30	2020-06-30	2020-03-31	2019-09-30	2019-06-30	2019-03-31	2018-09-30	2018-06-30	2018-03-31	2017-09-30	2017-03-31	2016-09-30	2016-06-30	2016-03-31	2015-09-30	2015-06-30	2015-03-31	2014-12-31	2014-09-30	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	2011-09-30	2011-06-30	2011-03-31	2010-12-31	2010-09-30	2010-06-30	2010-03-31	2009-12-31

interest-earning assets:
loans receivable (includes fte adjustments of 3,052, 2,928, and 2,477, respectively) , ,	12,000,638,000
mortgage-backed securities	1,816,835,000				1,739,141,000				1,822,375,000				1,968,528,000				1,704,006,000																																					816,182,000
investment securities (includes fte adjustments of 784, 576, and 704, respectively) ,	285,355,000
fhlb stock, at cost	25,549,000	33,349,000	17,809,000	17,941,000	24,948,000	21,223,000	20,842,000	30,811,000	39,467,000	40,404,000	44,613,000	41,519,000	17,065,000	19,281,000	13,362,000	13,318,000	20,229,000	14,567,000	23,287,000	21,861,000	21,748,000
interest-earning deposits	199,582,000				126,097,000				47,787,000				567,609,000				921,360,000																																					805,161,000
total interest-earning assets	14,327,959,000				13,462,523,000				13,367,183,000				13,253,618,000				13,236,021,000																																					7,541,534,000
noninterest-earning assets	1,006,230,000				922,648,000				902,626,000				924,080,000				1,072,313,000
total assets	15,334,189,000	16,381,009,000	14,485,107,000	14,453,727,000	14,385,171,000	14,354,325,000	14,385,553,000	14,510,263,000	14,269,809,000	14,362,201,000	14,291,491,000	14,193,816,000	14,177,698,000	13,953,144,000	14,154,695,000	14,411,183,000	14,308,334,000	14,389,235,000	14,298,056,000	14,270,356,000	13,806,268,000	13,788,805,000	13,845,084,000	10,681,196,000	10,580,474,000	10,505,483,000	10,297,088,000	9,575,331,000	9,562,309,000	9,520,979,000	9,459,814,000	9,731,523,000	9,714,607,000	8,963,975,000	8,916,288,000	8,934,908,000	7,864,510,000	7,890,359,000	7,775,033,000	7,826,926,000	7,902,316,000	7,974,960,000	7,881,476,000	7,908,379,000	7,963,814,000	7,994,490,000	7,942,600,000	8,047,671,000	8,037,996,000	8,069,008,000	7,989,343,000	8,087,345,000	8,122,204,000	8,119,851,000	8,142,785,000	8,136,133,000	8,084,630,000	8,025,298,000
interest-bearing liabilities:
savings deposits	2,278,597,000	2,373,413,000	2,211,509,000	2,221,901,000	2,142,852,000	2,145,735,000	2,148,727,000	2,156,048,000	2,148,127,000	2,116,360,000	2,120,215,000	2,194,743,000	2,336,217,000	2,327,419,000	2,362,725,000	2,367,438,000	2,232,454,000	2,271,496,000	2,262,152,000	2,229,214,000		2,022,918,000	1,993,761,000	1,640,414,000	1,635,754,000	1,683,551,000	1,711,216,000	1,650,357,000	1,697,396,000	1,701,022,000	1,669,782,000	1,685,103,000	1,671,539,000	1,444,947,000	1,433,788,000	1,378,958,000	1,262,991,000	1,257,446,000		1,214,284,000	1,236,307,000	1,236,130,000		2,348,805,000	2,337,183,000	2,327,623,000		2,256,544,000	2,195,095,000	2,124,269,000	2,017,563,000	2,042,618,000	2,018,139,000		1,977,249,000	1,966,880,000	1,881,216,000
interest-bearing demand deposits	2,732,535,000	2,898,350,000	2,622,695,000	2,590,568,000	2,574,810,000	2,676,779,000	2,565,750,000	2,557,866,000	2,556,281,000	2,598,080,000	2,577,653,000	2,541,503,000	2,810,889,000	2,812,730,000	2,858,691,000	2,891,622,000	2,862,677,000	2,926,351,000	2,824,219,000	2,826,461,000		2,663,878,000	2,632,310,000	1,975,830,000	1,678,644,000	1,670,983,000	1,583,049,000																	854,288,000	887,426,000	864,168,000		842,389,000	845,209,000	833,342,000	819,796,000	796,482,000	792,457,000		783,749,000	781,677,000	773,613,000
money market deposit accounts	2,281,300,000	2,462,979,000	2,153,078,000	2,124,293,000	1,966,732,000	1,956,747,000	1,964,841,000	1,952,537,000	2,183,583,000	2,042,813,000	2,154,253,000	2,328,050,000	2,613,422,000	2,577,013,000	2,631,712,000	2,680,613,000	2,554,975,000	2,584,424,000	2,538,607,000	2,521,881,000		2,396,567,000	2,327,286,000	1,946,113,000	1,828,001,000	1,784,437,000	1,778,806,000	1,676,845,000	1,686,052,000	1,707,837,000	1,759,395,000	1,827,028,000	1,896,272,000	1,295,127,000	1,295,138,000	1,277,878,000	1,143,199,000	1,151,971,000		1,180,540,000	1,183,228,000	1,176,462,000
time deposits	2,722,945,000	2,871,544,000	2,570,648,000	2,596,451,000	2,758,157,000	2,710,049,000	2,826,362,000	2,786,814,000	1,913,372,000	2,258,338,000	1,989,711,000	1,576,791,000	1,161,432,000	1,067,110,000	1,155,878,000	1,251,878,000	1,463,522,000	1,387,827,000	1,463,098,000	1,535,519,000		1,732,022,000	1,823,097,000	1,493,756,000	1,633,451,000	1,600,372,000	1,527,327,000	1,403,205,000	1,405,328,000	1,420,600,000	1,435,861,000	1,495,095,000	1,691,447,000	1,596,288,000	1,639,406,000	1,762,073,000	1,397,528,000	1,428,768,000		1,532,815,000	1,580,240,000	1,626,740,000		1,718,774,000	1,762,346,000	1,821,052,000		1,961,984,000	2,033,366,000	2,179,789,000	2,331,471,000	2,365,488,000	2,399,249,000		2,452,451,000	2,445,961,000	2,524,132,000
total interest-bearing deposits	10,015,377,000
borrowed funds	284,212,000	368,241,000	198,008,000	197,270,000	308,540,000	204,374,000	242,363,000	400,783,000	691,636,000	604,587,000	632,313,000	688,641,000	212,026,000	150,036,000	130,490,000	121,436,000	135,285,000	126,496,000	257,377,000	253,617,000	283,044,000	398,216,000	440,079,000	191,599,000	255,257,000	171,677,000	114,081,000	179,117,000	99,889,000	104,558,000	115,388,000	137,191,000	135,891,000	959,969,000	857,754,000	927,219,000	899,056,000	943,842,000	888,109,000	878,448,000	869,335,000	865,621,000	881,645,000	865,096,000	857,344,000	859,860,000	860,047,000	855,552,000	853,114,000	836,410,000	828,674,000	847,450,000	831,575,000	896,843,000	876,068,000	897,557,000	903,905,000	897,326,000
subordinated debt	114,696,000	114,800,000	114,713,000	114,625,000	114,355,000	114,451,000	114,364,000	114,276,000	114,002,000	114,102,000	114,015,000	113,927,000	117,625,000	113,753,000	113,666,000	123,670,000	123,457,000	123,486,000
junior subordinated debentures	129,954,000	130,028,000	129,964,000	129,899,000	129,695,000	129,769,000	129,703,000	129,639,000	129,434,000	129,509,000	129,444,000	129,379,000	129,175,000	129,249,000	129,184,000	129,119,000	128,915,000	128,989,000	128,924,000	128,859,000	128,794,000	128,729,000	128,630,000	121,813,000	121,787,000	121,757,000	121,757,000	111,213,000
total interest-bearing liabilities	10,544,239,000				9,995,141,000				9,736,435,000				9,380,786,000				9,501,285,000																																					6,178,952,000
noninterest-bearing demand deposits	2,818,078,000	3,089,963,000	2,643,099,000	2,640,943,000	2,582,540,000	2,581,769,000	2,581,699,000	2,618,379,000	2,785,279,000	2,774,291,000	2,820,563,000	2,896,092,000	3,070,892,000	3,094,120,000	3,058,249,000	3,128,849,000	2,999,392,000	3,052,115,000	3,002,632,000	3,000,019,000		2,641,234,000	2,686,487,000	1,736,622,000	1,905,650,000	1,944,550,000	1,992,126,000																	803,498,000	796,137,000	787,308,000		763,839,000	732,200,000	732,361,000	643,920,000	614,718,000	610,692,000		555,491,000	534,461,000	514,487,000
noninterest-bearing liabilities	237,963,000				244,036,000				237,810,000				207,316,000				250,075,000
total liabilities	13,600,280,000	14,525,273,000	12,843,039,000	12,824,772,000	12,821,717,000	12,763,000,000	12,828,955,000	12,957,814,000	12,759,524,000	12,863,770,000	12,779,990,000	12,680,541,000	12,658,994,000	12,493,358,000	12,660,156,000	12,887,671,000	12,750,752,000	12,827,467,000	12,722,695,000	12,729,362,000	12,267,565,000	12,241,574,000	12,314,235,000	9,339,404,000	9,228,704,000	9,171,895,000	8,980,812,000	8,334,655,000	8,333,429,000	8,305,725,000	8,253,967,000	8,553,960,000	8,551,804,000	7,808,520,000	7,745,700,000	7,773,571,000	6,796,160,000	6,822,843,000	6,712,386,000	6,750,205,000	6,829,844,000	6,817,404,000	6,724,674,000	6,769,845,000	6,835,581,000	6,846,910,000	6,814,131,000	6,873,045,000	6,868,854,000	6,906,533,000	6,822,566,000	6,860,204,000	6,835,088,000	6,813,071,000	6,827,563,000	6,825,410,000	6,782,550,000	6,708,783,000
shareholders’ equity	1,733,909,000				1,563,454,000				1,510,285,000				1,518,704,000				1,557,582,000																																					1,306,780,000
total liabilities and shareholders’ equity	15,334,189,000	16,381,009,000	14,485,107,000	14,453,727,000	14,385,171,000	14,354,325,000	14,385,553,000	14,510,263,000	14,269,809,000	14,362,201,000	14,291,491,000	14,193,816,000	14,177,698,000	13,953,144,000	14,154,695,000	14,411,183,000	14,308,334,000	14,389,235,000	14,298,056,000	14,270,356,000	13,806,268,000	13,788,805,000	13,845,084,000	10,681,196,000	10,580,474,000	10,505,483,000	10,297,088,000	9,575,331,000	9,562,309,000	9,520,979,000	9,459,814,000	9,731,523,000	9,714,607,000	8,963,975,000	8,916,288,000	8,934,908,000	7,864,510,000	7,890,359,000	7,775,033,000	7,826,926,000	7,902,316,000	7,974,960,000	7,881,476,000	7,908,379,000	7,963,814,000	7,994,490,000	7,942,600,000	8,047,671,000	8,037,996,000	8,069,008,000						8,136,133,000	8,084,630,000	8,025,298,000
net interest income	529,238,000				439,082,000				438,864,000				423,469,000				393,931,000																																					265,444,000
net interest rate spread	3,130				2,660				2,860				3,110				2,890																																					3,190
net interest-earning assets/net interest margin	3,783,720,000				3,467,382,000				3,630,748,000				3,872,832,000				3,734,736,000
tax equivalent adjustment	3,836,000				3,504,000
net interest income, gaap basis	525,402,000				435,578,000
ratio of average interest-earning assets to average interest-bearing liabilities	1,360				1,350				1,370				1,410				1,390																																					1,220
assets
cash and cash equivalents		278,817,000	267,075,000	353,203,000		226,883,000	228,433,000	119,319,000		161,995,000	127,627,000	96,497,000		118,549,000	504,532,000	1,161,006,000		1,090,485,000	857,152,000	979,290,000	736,277,000	656,749,000	837,227,000	276,454,000	107,602,000	106,988,000	92,923,000
marketable securities available-for-sale		1,270,880,000	1,194,883,000	1,153,385,000		1,111,868,000	1,029,191,000	1,094,009,000		1,010,076,000	1,073,952,000	1,205,510,000		1,251,791,000	1,364,743,000	1,442,098,000		1,583,715,000	1,599,024,000	1,430,131,000	1,398,941,000	1,409,150,000	1,198,792,000	765,579,000	807,823,000	854,765,000	842,657,000	811,556,000	799,878,000	757,976,000	869,481,000	876,047,000	890,688,000	705,297,000	783,940,000	976,677,000	861,157,000	916,423,000	912,371,000	930,913,000	977,786,000	1,009,717,000	1,016,767,000	1,092,799,000	1,144,953,000	1,112,104,000	1,079,074,000	951,879,000	900,643,000	919,578,000	971,543,000	1,040,547,000	982,336,000		884,158,000	832,432,000	911,231,000	1,067,089,000
marketable securities held-to-maturity		702,392,000	719,561,000	735,909,000		766,772,000	784,208,000	801,107,000		830,106,000	847,845,000	866,022,000		899,411,000	923,180,000	737,730,000		618,395,000	639,424,000	604,284,000	178,887,000	15,333,000	16,415,000	17,208,000	18,958,000	20,414,000	21,671,000	24,222,000	25,747,000	27,709,000	31,961,000	41,888,000	22,584,000	25,144,000	27,764,000	47,299,000	61,464,000	90,825,000	103,695,000	110,214,000	114,154,000	117,724,000	121,366,000	125,937,000	133,439,000	143,253,000	155,081,000	167,739,000	180,134,000	216,956,000	268,517,000	280,782,000	314,407,000		399,324,000	415,303,000	275,956,000
total cash and cash equivalents and marketable securities		2,252,089,000	2,181,519,000	2,242,497,000		2,105,523,000	2,041,832,000	2,014,435,000		2,002,177,000	2,049,424,000	2,168,029,000		2,269,751,000	2,792,455,000	3,340,834,000		3,292,595,000	3,095,600,000	3,013,705,000	2,314,105,000	2,081,232,000	2,052,434,000	1,059,241,000	934,383,000	982,167,000	957,251,000	909,724,000	958,670,000	977,843,000
loans held-for-sale		22,297,000	13,104,000	71,206,000		9,370,000	9,445,000	8,082,000		10,592,000	16,077,000	7,006,000		15,834,000	31,153,000	19,272,000		27,411,000	29,055,000	46,270,000	58,786,000	25,140,000	34,118,000	6,426,000
loans held for investment		12,940,933,000	11,341,824,000	11,216,445,000		11,295,188,000	11,344,919,000	11,493,164,000		11,299,681,000	11,255,154,000	11,085,265,000		10,725,691,000	10,401,671,000	10,119,762,000		10,171,557,000	10,280,925,000	10,321,770,000	10,522,063,000	10,756,712,000	10,824,669,000	8,830,448,000
allowance for credit losses		-157,396,000	-129,159,000	-122,809,000		-125,813,000	-125,070,000	-124,897,000		-124,841,000	-124,423,000	-121,257,000		-109,819,000	-98,355,000	-99,295,000		-109,767,000	-117,330,000	-123,997,000	-134,427,000	-140,209,000	-140,586,000	-92,897,000
loans receivable		12,783,537,000	11,212,665,000	11,093,636,000		11,178,745,000	11,229,294,000	11,376,349,000		11,185,432,000	11,146,808,000	10,971,014,000		10,631,706,000	10,334,469,000	10,039,739,000		10,089,201,000	10,192,650,000	10,244,043,000	10,446,422,000	10,641,643,000	10,718,201,000	8,743,977,000	8,799,158,000																			5,655,237,000										5,487,645,000
accrued interest receivable		55,549,000	46,987,000	45,949,000		46,678,000	48,739,000	50,680,000		42,624,000	37,281,000	36,177,000		29,536,000	27,708,000	26,268,000		26,995,000	27,585,000	28,732,000	35,554,000	36,916,000	40,510,000	25,531,000	27,069,000	28,742,000	28,107,000	25,798,000	24,959,000	23,051,000	22,802,000	20,945,000	21,591,000	20,713,000	21,712,000	22,098,000	18,682,000	19,753,000	18,623,000	19,505,000	21,756,000	22,188,000	21,821,000	22,560,000	23,171,000	23,963,000	23,313,000	25,324,000	23,871,000	25,072,000	25,745,000	25,647,000	26,817,000		27,590,000	27,191,000	27,209,000	25,780,000
real estate owned		174,000	48,000	80,000		76,000	74,000	50,000		363,000	371,000	524,000		450,000	1,205,000	929,000		809,000	1,353,000	1,738,000	2,232,000	2,575,000	1,897,000	1,075,000	1,237,000	2,070,000	2,345,000	2,486,000	2,722,000	4,041,000	5,462,000	6,242,000	4,841,000	4,950,000	6,834,000	10,391,000	13,864,000	15,346,000	16,759,000	15,007,000	14,915,000	16,692,000	18,203,000	20,173,000	21,269,000	24,035,000	26,165,000	29,291,000	30,470,000	28,895,000	20,648,000	21,389,000	19,682,000		22,998,000	22,191,000	22,182,000	20,257,000
premises and equipment		139,491,000	123,402,000	123,138,000		126,391,000	128,208,000	130,565,000		138,041,000	139,915,000	140,301,000		146,173,000	146,869,000	149,970,000		155,740,000	156,076,000	158,784,000	161,538,000	166,919,000	166,966,000	147,427,000	148,796,000	148,973,000	149,623,000	144,612,000	146,276,000	148,184,000	152,761,000	159,823,000	167,596,000	151,643,000	153,000,000	153,841,000	142,302,000	142,481,000	143,909,000	144,759,000	145,344,000	146,880,000	146,139,000	142,487,000	140,573,000	138,950,000	138,824,000	135,455,000	135,004,000	133,599,000	126,047,000	126,303,000	126,855,000		126,999,000	125,843,000	123,274,000	124,316,000
bank-owned life insurance		303,115,000	255,708,000	254,444,000		255,324,000	253,890,000	252,842,000		250,502,000	257,614,000	256,310,000		255,015,000	254,109,000	254,109,000		254,871,000	253,539,000	252,599,000	253,951,000	252,621,000	251,897,000	190,127,000	187,971,000	186,870,000	186,251,000																															128,270,000
goodwill		438,402,000	380,997,000	380,997,000		380,997,000	380,997,000	380,997,000		380,997,000	380,997,000	380,997,000		380,997,000	380,997,000	380,997,000		380,997,000	380,997,000	382,356,000	382,279,000	386,044,000	386,044,000	346,103,000	344,720,000	344,720,000	344,720,000	307,420,000	307,420,000	307,420,000	307,420,000	307,420,000	307,711,000	262,140,000	261,736,000	261,319,000	175,498,000	175,498,000	175,323,000	176,169,000	175,988,000	175,988,000	174,463,000	174,463,000	174,463,000	174,463,000	174,461,000	171,882,000	171,882,000	171,882,000	171,882,000	171,882,000	171,882,000		171,682,000	171,682,000	171,682,000	171,363,000
other intangible assets		47,924,000	1,897,000	2,334,000		3,363,000	3,954,000	4,589,000		6,013,000	6,809,000	7,651,000		9,491,000	10,538,000	11,654,000		14,041,000	15,362,000	18,342,000	19,936,000	21,601,000	23,381,000	21,425,000	22,410,000	24,112,000	25,872,000	21,167,000	22,629,000	24,149,000	27,244,000	30,684,000	33,901,000	8,095,000	8,398,000	9,712,000	2,759,000	3,027,000	3,033,000	3,364,000	3,694,000	4,025,000	2,319,000	2,541,000	2,832,000	3,181,000	3,529,000	1,330,000	1,549,000	1,828,000	2,497,000	2,972,000	3,451,000		4,419,000	5,138,000	5,900,000	4,678,000
other assets		305,082,000	250,971,000	221,505,000		236,005,000	277,723,000	268,945,000		315,648,000	227,659,000	191,294,000		210,744,000	192,983,000	193,365,000		159,419,000	151,607,000	148,196,000	168,503,000	176,083,000	178,212,000	133,159,000	93,329,000	89,088,000	76,232,000	38,543,000	35,917,000	29,004,000	26,716,000	23,724,000	31,977,000	30,485,000	53,809,000	59,507,000	45,887,000	50,772,000	60,586,000	60,464,000	62,210,000	59,693,000	69,663,000	72,764,000	68,692,000	65,620,000	77,310,000	85,542,000	90,394,000	95,613,000	101,731,000	103,041,000	106,517,000		120,404,000	65,935,000	70,284,000	83,451,000
liabilities and shareholders’ equity
liabilities:
total deposits		13,696,249,000	12,201,029,000	12,174,156,000		12,071,079,000	12,087,379,000	12,071,644,000		11,789,882,000	11,662,395,000	11,537,179,000		11,878,392,000	12,067,255,000	12,320,400,000		12,222,213,000	12,090,708,000	12,113,094,000		11,456,619,000	11,462,941,000	8,792,735,000	8,681,500,000	8,683,893,000	8,592,524,000	7,953,953,000	8,007,378,000	7,985,489,000	7,942,045,000	7,985,755,000	8,202,803,000	6,636,001,000	6,670,061,000	6,644,742,000	5,694,482,000	5,682,067,000		5,707,723,000	5,773,922,000	5,774,863,000		5,725,365,000	5,783,092,000	5,800,151,000		5,824,756,000	5,805,870,000	5,869,761,000	5,812,750,000	5,819,306,000	5,820,537,000		5,768,940,000	5,728,979,000	5,693,448,000
advances by borrowers for taxes and insurance		21,840,000	47,865,000	44,121,000		24,700,000	52,271,000	46,970,000		27,653,000	57,143,000	49,893,000		29,647,000	55,622,000	44,022,000		26,951,000	53,608,000	44,024,000	45,230,000	29,755,000	58,559,000	47,154,000	24,331,000	54,507,000	44,905,000	23,297,000	51,640,000	43,654,000	21,864,000	40,470,000	21,616,000	45,288,000	38,719,000	18,216,000	41,763,000	34,998,000	30,507,000	16,267,000	37,677,000	31,074,000	26,669,000	14,152,000	33,260,000	27,160,000	23,325,000	11,570,000	32,324,000	27,683,000	12,080,000	30,371,000	26,191,000		12,698,000	30,703,000	25,033,000	22,034,000
accrued interest payable		10,555,000	7,729,000	6,843,000		15,125,000	21,423,000	17,395,000		7,915,000	4,936,000	2,236,000		831,000	1,725,000	563,000		589,000	1,820,000	659,000	2,054,000	1,002,000	1,389,000	834,000	1,314,000	1,207,000	1,111,000	627,000	568,000	528,000	518,000	586,000	682,000	737,000	1,894,000	1,816,000	1,302,000	1,336,000	936,000	880,000	816,000	860,000	888,000	861,000	1,043,000	1,180,000	888,000	1,111,000	1,242,000	1,119,000	1,072,000	1,155,000	1,170,000		1,725,000	4,333,000	4,559,000	4,493,000
other liabilities		183,560,000	143,731,000	157,858,000		203,502,000	181,452,000	177,107,000		190,122,000	179,744,000	159,286,000		191,450,000	162,214,000	148,461,000		198,743,000	190,258,000	189,109,000	209,210,000	227,253,000	222,637,000	185,269,000	144,515,000	138,854,000	106,434,000	66,448,000	62,741,000	60,283,000	62,939,000	58,118,000	79,599,000	55,312,000	66,059,000	62,246,000	56,463,000	57,506,000	57,198,000	43,793,000	45,000,000	41,892,000	43,499,000	61,277,000	57,748,000	55,465,000	62,177,000	76,962,000	73,210,000	68,466,000	64,896,000	58,828,000	52,521,000		65,038,000	60,744,000	52,511,000	57,412,000
shareholders’ equity:
preferred stock, 0.01 par value: 50,000,000 authorized, no shares issued
common stock		1,461,000	1,278,000	1,277,000		1,274,000	1,273,000	1,273,000		1,271,000	1,271,000	1,271,000		1,269,000	1,269,000	1,267,000		1,265,000	1,279,000	1,272,000	1,270,000	1,278,000	1,278,000	1,069,000	1,067,000	1,066,000	1,062,000	1,033,000	1,031,000	1,026,000	1,026,000	1,020,000	1,013,000	1,025,000	1,018,000	1,017,000	947,000	946,000	947,000	950,000	949,000	945,000	943,000	942,000	939,000	938,000	937,000	978,000	979,000	976,000	976,000	1,033,000				1,108,000	1,107,000	1,106,000
additional paid-in capital		1,268,694,000	1,037,615,000	1,035,093,000		1,030,384,000	1,027,703,000	1,026,173,000		1,023,591,000	1,022,189,000	1,020,855,000		1,017,189,000	1,015,349,000	1,012,308,000		1,008,099,000	1,025,174,000	1,018,822,000	1,015,502,000	1,023,827,000	1,023,083,000	808,250,000
retained earnings		672,843,000	699,049,000	691,066,000		665,845,000	657,706,000	678,427,000		671,092,000	657,292,000	649,672,000		632,476,000	620,551,000	612,481,000		604,787,000	595,100,000	571,612,000	555,480,000	544,695,000	530,928,000	561,380,000	577,018,000	562,799,000	555,205,000	541,469,000	531,269,000	522,384,000	502,265,000	480,309,000	469,459,000	470,337,000	492,316,000	487,048,000	487,150,000	484,774,000	481,577,000	476,484,000	472,726,000	564,580,000	571,164,000	562,758,000	557,104,000	565,594,000	550,296,000	556,502,000	552,278,000	547,352,000	538,882,000	533,229,000	529,630,000		520,419,000	516,005,000	510,932,000
accumulated other comprehensive loss		-87,262,000	-95,874,000	-98,481,000		-106,178,000	-130,084,000	-153,424,000		-197,523,000	-169,251,000	-158,523,000		-191,148,000	-142,630,000	-102,544,000		-52,383,000	-46,192,000	-50,712,000	-33,549,000	-22,569,000	-24,440,000	-28,907,000	-27,697,000	-29,219,000	-35,035,000	-44,689,000	-43,093,000	-42,221,000	-25,607,000	-26,821,000	-19,643,000	-19,517,000	-20,958,000																-6,255,000	-6,689,000	-10,518,000		-7,383,000	-7,225,000	-9,731,000	-9,977,000
total shareholders’ equity		1,855,736,000	1,642,068,000	1,628,955,000		1,591,325,000	1,556,598,000	1,552,449,000		1,498,431,000	1,511,501,000	1,513,275,000		1,459,786,000	1,494,539,000	1,523,512,000		1,561,768,000	1,575,361,000	1,540,994,000	1,538,703,000	1,547,231,000	1,530,849,000	1,341,792,000	1,351,770,000	1,333,588,000	1,316,276,000	1,240,676,000	1,228,880,000	1,215,254,000	1,205,847,000	1,177,563,000	1,162,803,000	1,155,455,000	1,170,588,000	1,161,337,000	1,068,350,000	1,067,516,000		1,076,721,000	1,072,472,000	1,157,556,000		1,138,534,000	1,128,233,000	1,147,580,000				1,162,475,000								1,316,515,000
loans receivable (includes fte adjustments of 2,928, 2,477, and 1,954, respectively) , ,					11,285,219,000
investment securities (includes fte adjustments of 576, 704, and 834, respectively) ,					287,118,000
loans receivable (includes fte adjustments of 2,477, 1,954, and 1,922, respectively) , ,									11,100,118,000
investment securities (includes fte adjustments of 704, 834, and 747, respectively) ,									357,436,000
loans receivable (includes fte adjustments of 1,954, 1,922, and 2,223, respectively) , ,													10,318,898,000
investment securities (includes fte adjustments of 834, 747, and 797, respectively) ,													381,518,000
loans receivable (includes fte adjustments of 1,922, 2,223 and 1,335, respectively) , ,																	10,239,620,000
investment securities (includes fte adjustments of 747, 797 and 225, respectively) ,																	350,806,000
deposits																					11,599,233,000																		5,632,542,000				5,668,879,000				5,764,600,000											5,624,424,000
federal home loan bank stock, at cost																						23,171,000	25,542,000	13,131,000	21,401,000	14,966,000	12,533,000	15,452,000	7,887,000	7,694,000	7,984,000	7,362,000	7,660,000	40,321,000	35,539,000	40,115,000	38,066,000	36,292,000	33,293,000	43,985,000	43,986,000	43,714,000	43,715,000	43,716,000	48,240,000	47,332,000	46,834,000	46,834,000	46,834,000	47,090,000	51,511,000	54,222,000	57,076,000		63,242,000	63,242,000	63,242,000
personal banking:
residential mortgage loans held-for-sale																									8,859,000						1,382,000	1,595,000
residential mortgage loans																									2,887,274,000	2,899,164,000	2,867,161,000	2,846,834,000	2,800,668,000	2,772,148,000	2,741,844,000	2,704,474,000	2,788,658,000	2,717,656,000	2,761,411,000	2,712,537,000	2,597,170,000	2,543,870,000		2,511,272,000	2,485,740,000	2,485,688,000		2,453,109,000	2,414,347,000			2,410,124,000	2,418,756,000		2,349,196,000	2,342,904,000
home equity loans																									1,328,173,000	1,314,947,000	1,324,405,000	1,272,345,000	1,276,181,000	1,288,361,000	1,313,435,000	1,305,394,000	1,349,105,000	1,162,174,000	1,169,821,000	1,203,190,000	1,055,829,000	1,055,739,000		1,071,540,000	1,066,943,000	1,065,988,000		1,072,388,000	1,064,716,000	1,052,485,000		1,100,879,000	1,102,936,000	1,058,938,000	1,094,609,000	1,083,301,000	1,073,818,000		1,102,252,000	1,095,495,000	1,073,925,000
consumer loans																									1,094,293,000	1,011,424,000	931,062,000	776,049,000	700,925,000	686,038,000	673,920,000	643,105,000	628,512,000	546,550,000	525,537,000																				263,717,000	266,151,000	282,631,000
total personal banking loans																									5,318,599,000	5,225,535,000	5,122,628,000	4,895,228,000	4,777,774,000	4,746,547,000	4,730,581,000	4,654,568,000	4,796,630,000	4,466,322,000	4,465,721,000	4,410,441,000
commercial banking:
commercial real estate loans																									2,812,839,000	2,808,153,000	2,799,309,000	2,518,066,000	2,553,223,000	2,512,257,000	2,398,886,000	2,378,474,000	2,464,681,000	2,363,376,000	2,360,863,000	2,330,864,000	1,859,743,000	1,856,574,000		1,732,234,000	1,694,882,000	1,664,255,000		1,586,991,000	1,591,226,000	1,572,948,000		1,560,966,000	1,494,781,000	1,475,576,000	1,420,504,000	1,375,090,000	1,368,622,000		1,356,051,000	1,326,879,000	1,288,584,000
commercial loans																									720,579,000	703,194,000	647,938,000	582,768,000	611,373,000	623,463,000	596,671,000	530,046,000	537,255,000	465,223,000	467,418,000	410,308,000	359,524,000	368,725,000		403,402,000	406,195,000	412,098,000		392,636,000	397,308,000	392,004,000		406,819,000	399,470,000	408,894,000	406,885,000	432,666,000	428,840,000
total commercial banking loans																									3,533,418,000	3,511,347,000	3,447,247,000	3,100,834,000	3,164,596,000	3,135,720,000	2,995,557,000	2,908,520,000
total loans																									8,852,017,000	8,736,882,000	8,569,875,000	7,996,062,000	7,942,370,000	7,882,267,000	7,726,138,000	7,563,088,000	7,798,566,000	7,294,921,000	7,294,002,000	7,151,613,000	6,124,657,000	6,064,864,000		5,957,101,000	5,885,734,000	5,851,074,000			5,691,407,000	5,610,285,000		5,728,633,000	5,669,735,000	5,607,932,000	5,518,308,000	5,489,178,000	5,486,568,000		5,592,462,000	5,544,908,000	5,423,675,000
allowance for loan losses																									-52,859,000	-53,107,000	-55,721,000	-55,975,000	-57,332,000	-55,211,000	-56,927,000	-61,104,000	-63,246,000	-60,781,000	-62,278,000																-73,208,000	-75,455,000	-76,450,000		-77,245,000	-75,417,000	-74,836,000
paid-in capital																									801,382,000	798,942,000	795,044,000	742,863,000	739,673,000	734,065,000	728,163,000	723,055,000	711,974,000	722,980,000	718,027,000	714,730,000	624,321,000	624,584,000	626,134,000	627,748,000	626,213,000	622,758,000	619,678,000	617,180,000	613,520,000	615,160,000	613,249,000	661,589,000	662,183,000	660,933,000	659,432,000	726,207,000	793,951,000		829,929,000	829,686,000	828,623,000	828,195,000
cash and due from banks																												73,946,000	133,045,000	192,158,000	104,372,000	106,635,000	107,604,000	87,711,000	86,151,000	91,406,000	84,000,000	83,970,000	87,401,000	83,994,000	97,467,000	81,927,000	98,122,000	93,335,000	87,524,000	71,607,000	88,277,000	91,286,000	82,295,000	85,050,000	90,493,000	80,889,000	78,446,000		113,477,000	60,647,000	66,351,000
personal banking loans:
commercial banking loans:
bank owned life insurance																												170,042,000	170,791,000	172,537,000	173,096,000	172,516,000	170,172,000	169,616,000	168,511,000	167,258,000	146,283,000	145,275,000	144,362,000	143,306,000	142,223,000	141,173,000	140,172,000	140,389,000	139,210,000	138,123,000	137,044,000	136,871,000	135,722,000	134,615,000	133,081,000	133,358,000	133,403,000		131,009,000	130,625,000	129,436,000
noninterest-bearing checking deposits																												1,724,202,000	1,732,664,000	1,679,853,000	1,625,189,000	1,530,026,000	1,496,574,000	1,189,032,000	1,179,950,000	1,127,864,000	962,347,000	944,937,000		884,804,000	872,661,000	844,743,000
interest-bearing checking deposits																												1,499,344,000	1,485,938,000	1,476,177,000	1,451,818,000	1,448,503,000	1,446,971,000	1,110,607,000	1,121,779,000	1,097,969,000	928,417,000	898,945,000		895,280,000	901,486,000	890,788,000
junior subordinated deferrable interest debentures held by trusts that issued guaranteed capital debt securities																													111,213,000	111,213,000	111,213,000	111,213,000	111,213,000	111,213,000	111,213,000	119,332,000	103,094,000	103,094,000	103,094,000	103,094,000	103,094,000	103,094,000	103,094,000	103,094,000	103,094,000	103,094,000	103,094,000	103,094,000	103,094,000	103,094,000	103,094,000	103,094,000				103,094,000	103,094,000	103,094,000
interest-earning deposits in other financial institutions																															60,662,000	320,231,000	210,723,000	223,084,000	74,850,000	3,206,000	208,311,000	212,496,000	152,671,000	209,161,000	287,867,000	379,765,000	293,149,000	321,344,000	359,997,000	512,949,000	362,794,000	546,149,000	638,940,000	672,887,000	579,915,000	631,957,000	690,581,000		561,634,000	745,781,000	868,361,000
federal funds sold and other short-term investments																															642,000	5,082,000	2,239,000	636,000	2,320,000	1,013,000	637,000	635,000	634,000	634,000	634,000	634,000	634,000	634,000	634,000	634,000	633,000	633,000	633,000	952,000	633,000	633,000	633,000		632,000	632,000	683,000	632,000
total cash and investments																															1,067,118,000	1,349,883,000	1,233,838,000	1,041,872,000	975,025,000	1,119,601,000	1,215,569,000	1,304,349,000		1,334,916,000	1,477,908,000	1,589,767,000		1,634,049,000	1,726,547,000	1,840,547,000		1,757,686,000	1,802,645,000	1,895,423,000	1,911,101,000	2,034,808,000	2,066,403,000		1,959,225,000	2,054,795,000	2,122,582,000
assets held-for-sale																																150,940,000
liabilities held-for-sale																																220,627,000
unallocated common stock of employee stock ownership plan																																		-19,370,000	-19,815,000																-26,258,000	-26,639,000	-27,025,000		-28,851,000	-28,851,000	-28,851,000
residential mortgage loans held for sale																																	30,355,000	39,942,000	8,952,000										296,000			14,152,000	12,800,000
total business banking loans																																	3,001,936,000	2,828,599,000	2,828,281,000	2,741,172,000
business banking loans:
other consumer loans																																				494,714,000	252,391,000	239,956,000		238,653,000	231,974,000	223,045,000		225,978,000	223,514,000	218,464,000		235,693,000	240,992,000	237,591,000	246,188,000	247,182,000	249,127,000
total personal banking																																					3,905,390,000	3,839,565,000		3,821,465,000	3,784,657,000	3,774,721,000		3,751,475,000	3,702,873,000	3,645,333,000		3,760,848,000	3,775,484,000	3,723,462,000
business banking:
total business banking																																					2,219,267,000	2,225,299,000		2,135,636,000	2,101,077,000	2,076,353,000		1,979,627,000	1,988,534,000	1,964,952,000		1,967,785,000	1,894,251,000	1,884,470,000
loans receivable, net of allowance for loan losses of 67,518 and 71,348																																							5,922,373,000
loans held for sale																																														3,823,000				14,222,000	926,000	8,035,000	3,581,000		18,020,000	22,259,000	181,000
loans receivable, net of allowance for loan losses of 71,348 and 73,219																																											5,734,943,000
total loans receivable																																												5,731,102,000
residental mortgage loans																																														2,370,561,000				2,412,711,000			2,362,580,000
loans receivable, net of allowance for loan losses of 73,219 and 71,138																																															5,629,261,000
liabilities and shareholders' equity
shareholders' equity:
total liabilities and shareholders' equity																																																			7,989,343,000	8,087,345,000	8,122,204,000		8,142,785,000
junior subordinated deferrable interest debentures held by trusts that issued
guaranteed capital debt securities																																																					103,094,000		103,094,000
110,295,117 shares issued, respectively																																																					1,078,000
total shareholders' equity																																																					1,287,116,000
investment securities																																																						369,858,000
federal home loan bank stock																																																						62,688,000
non-interest-earning assets																																																						578,317,000
savings																																																						1,031,362,000
interest-bearing demand																																																						776,091,000
money market																																																						888,081,000
certificates																																																						2,483,481,000
junior subordinated deferrable interest debentures																																																						103,094,000
non-interest-bearing liabilities																																																						634,119,000
total liabilities and stockholders’ equity																																																						8,119,851,000
net interest earning assets
net interest margin																																																						1,362,582,000
mortgage loans - one- to four- family																																																							2,451,848,000
commercial business loans																																																							400,574,000	390,426,000	385,455,000
110,641,858 shares issued, respectively																																																							1,108,000
mortgage loans — one- to four- family																																																								2,443,698,000	2,392,899,000
cash																																																										69,265,000
interest earning deposits in other financial institutions																																																										1,037,893,000
loans receivable, net of allowance for loan losses of 70,403 and 54,929																																																										5,229,062,000
federal home loan bank stock at cost																																																										63,242,000
commitments and contingent liabilities:
preferred stock, 0.01 and 0.10 par value; 50,000,000 shares authorized; no shares issued
retained earnings, substantially restricted																																																										508,842,000
unallocated common stock of employee stock
ownership plan																																																										-11,651,000
treasury stock

Cashflow Statements:

Quarterly

Annual

Unit: USD	2025-12-31	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30	2023-06-30	2023-03-31	2022-12-31	2022-09-30	2022-06-30	2022-03-31	2021-12-31	2021-09-30	2021-06-30	2021-03-31	2020-12-31	2020-09-30	2020-06-30	2020-03-31	2019-09-30	2019-06-30	2019-03-31	2018-09-30	2018-06-30	2018-03-31	2017-03-31	2016-09-30	2015-09-30	2015-06-30	2015-03-31	2014-09-30	2014-06-30	2014-03-31	2013-09-30	2013-06-30	2013-03-31	2012-09-30	2012-06-30	2012-03-31	2011-09-30	2011-06-30	2011-03-31	2010-09-30	2010-06-30	2010-03-31

operating activities:
net income	45,713,000	3,167,000	33,675,000	43,458,000	32,750,000	33,618,000	4,747,000	29,163,000	29,014,000	39,220,000	33,044,000	33,679,000	34,649,000	37,304,000	33,426,000	28,287,000	30,056,000	35,063,000	48,967,000	40,237,000	35,065,000	38,050,000	-6,200,000	7,939,000	33,414,000	26,383,000	25,044,000	27,740,000	26,299,000	24,985,000	17,746,000	14,197,000	12,872,000	15,305,000	16,170,000	17,262,000	12,715,000	14,640,000	17,600,000	13,478,000	15,298,000	30,892,000	1,162,000	15,181,000	16,720,000	15,003,000	17,253,000	15,491,000	16,141,000	13,153,000
adjustments to reconcile net income to net cash from operating activities:
provision for credit losses	7,724,000	31,205,000	8,744,000	7,911,000		4,875,000	-370,000	3,435,000	7,946,000	1,002,000	8,930,000	4,996,000	9,023,000	7,689,000			-1,909,000							27,637,000
loss on sale of investments	-142,000				0	0			1,000	0
net loss on sale of assets				-101,000		-178,000	555,000	-6,023,000	1,374,000	52,000	-563,000	1,254,000												-1,918,000
mortgage banking activity	-832,000	-1,003,000	-1,101,000	-670,000	-594,000	-991,000	-831,000	-794,000	-6,237,000	-558,000	6,079,000	-179,000	-204,000	-648,000	-3,337,000	677,000	-2,799,000	-3,503,000	-5,389,000	-8,429,000
gain on sale of sba loans	-437,000	-341,000	-914,000	-1,143,000	-741,000	-608,000	-1,413,000	-852,000	-364,000	-278,000
gain on sale of mortgage servicing rights									0	0
gain on sale of loans
net depreciation, amortization and accretion	-1,570,000	48,000	1,062,000	596,000	3,227,000	7,138,000	6,329,000	4,646,000	8,024,000	7,675,000	6,644,000	2,154,000	2,574,000	1,014,000	-735,000	3,595,000	6,904,000	-3,329,000	-3,456,000	6,514,000				1,413,000	-477,000	119,000	1,285,000	890,000	2,955,000	3,753,000	5,582,000	4,642,000	2,220,000	1,022,000	1,549,000	2,038,000	2,092,000	2,845,000	1,930,000	1,652,000	3,056,000			2,467,000	2,223,000	526,000	4,108,000	3,691,000	3,453,000	3,639,000
increase in other assets																					12,728,000	18,058,000	-7,933,000	-38,950,000	-6,203,000
increase in other liabilities					-11,534,000	11,346,000			6,154,000				18,960,000				14,570,000					5,898,000	23,445,000	49,956,000
net amortization on marketable securities	-300,000	-145,000	-15,000	-51,000	-78,000	-98,000	227,000	625,000	652,000	714,000	848,000	876,000	959,000	1,066,000	1,278,000	1,505,000	1,927,000	1,790,000	1,886,000	2,154,000	1,557,000	1,263,000	744,000	233,000	236,000	205,000	236,000	419,000	432,000	466,000	518,000	498,000	363,000	86,000	87,000	78,000	105,000	105,000
noncash compensation expense related to stock benefit plans	1,583,000	885,000	1,968,000	1,679,000	1,726,000	1,583,000	1,469,000	1,303,000	1,241,000	1,290,000	1,301,000	744,000	1,008,000	943,000	1,424,000	699,000	1,017,000	1,046,000	1,718,000	961,000	470,000	743,000	1,531,000	1,495,000	1,683,000	2,535,000	1,200,000	1,272,000	2,298,000	978,000	918,000	6,448,000	997,000	1,399,000	880,000	1,302,000	1,722,000	1,239,000	1,441,000	1,531,000	1,082,000			1,023,000	1,036,000	3,782,000	867,000	15,000	225,000	803,000
noncash write-down of real estate owned									63,000	0	0	37,000	10,000	3,000	12,000	29,000	0	45,000	5,000	123,000	49,000	52,000	120,000	100,000	211,000	177,000	160,000	341,000	166,000	774,000	418,000	347,000	413,000	746,000	1,181,000	463,000	733,000	648,000	609,000	2,525,000	446,000			536,000
deferred income tax expense	1,806,000	-7,371,000				-266,000			-1,310,000	-4,620,000			-7,432,000	-328,000			10,425,000								1,453,000			0																						252,000
origination of loans held-for-sale	-50,485,000	-63,589,000	-45,790,000	-35,979,000	-117,825,000	-50,933,000	-56,369,000	-43,052,000	-60,848,000	-54,805,000	-52,272,000	-30,712,000	-45,750,000	-92,026,000	-120,556,000	-104,535,000	-146,884,000	-185,417,000	-179,765,000	-240,765,000	-257,818,000	-289,081,000	-153,128,000	-29,912,000
proceeds from sale of loans held-for-sale	51,498,000	55,598,000	43,478,000	42,806,000	52,152,000	52,460,000	56,951,000	45,183,000	63,832,000	60,997,000	44,292,000	34,530,000	52,615,000	108,606,000	112,384,000	110,278,000	151,920,000	190,248,000	202,128,000	260,394,000	233,293,000	307,165,000	131,893,000	32,309,000
net cash from operating activities	6,186,000	41,944,000	-2,327,000	107,612,000	-76,975,000	93,285,000	40,656,000	70,701,000	45,161,000	-5,026,000	22,912,000	29,843,000	65,351,000	83,250,000			67,911,000	32,539,000	36,989,000	68,019,000	-13,375,000	66,445,000	37,063,000	50,302,000	29,751,000	50,996,000	29,972,000	39,646,000	33,434,000	33,308,000	44,034,000	47,521,000	35,923,000	24,604,000	27,865,000	25,524,000	22,989,000	27,076,000	25,368,000	35,738,000	42,229,000			26,157,000	39,114,000	31,348,000	42,295,000	-19,325,000	24,710,000	20,681,000
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
free cash flows	6,186,000	41,944,000	-2,327,000	107,612,000	-76,975,000	93,285,000	40,656,000	70,701,000	45,161,000	-5,026,000	22,912,000	29,843,000	65,351,000	83,250,000			67,911,000	32,539,000	36,989,000	68,019,000	-13,375,000	66,445,000	37,063,000	50,302,000	29,751,000	50,996,000	29,972,000	39,646,000	33,434,000	33,308,000	44,034,000	47,521,000	35,923,000	24,604,000	27,865,000	25,524,000	22,989,000	27,076,000	25,368,000	35,738,000	42,229,000			26,157,000	39,114,000	31,348,000	42,295,000	-19,325,000	24,710,000	20,681,000
investing activities:
purchase of marketable securities available-for-sale	-361,554,000	-21,981,000	-65,778,000	-46,420,000	-54,311,000	-64,912,000	-239,228,000	-79,052,000	0	0			0	0	-40,538,000	-61,640,000	-85,159,000	-110,488,000	-288,833,000	-220,666,000	-100,391,000	-325,786,000	-383,700,000	-20,610,000	-47,633,000	-55,803,000	-20,219,000	-106,363,000	-94,629,000	-14,250,000	-80,346,000	-236,673,000													-12,982,000	-93,075,000	-91,695,000
proceeds from maturities and principal reductions of marketable securities held-to-maturity	18,837,000	16,976,000	16,161,000	14,497,000	15,988,000	17,228,000	16,701,000	13,553,000	15,071,000	17,519,000	17,970,000	15,028,000	17,936,000	23,511,000	27,162,000	30,092,000	29,521,000	20,713,000	14,887,000	3,374,000	1,066,000	1,079,000	790,000	825,000	1,445,000	1,253,000	1,090,000	1,516,000	1,958,000	1,965,000	1,708,000	2,553,000	14,207,000	29,495,000	12,914,000	3,947,000	3,562,000	3,643,000	7,503,000	9,834,000	11,856,000			14,401,000	12,184,000			36,177,000	42,322,000	7,467,000
proceeds from maturities and principal reductions of marketable securities available-for-sale	57,876,000	38,605,000	29,088,000	20,556,000	24,025,000	19,470,000	19,954,000	20,501,000	21,621,000	24,527,000	29,030,000	28,246,000	34,418,000	49,050,000	64,965,000	83,295,000	108,251,000	115,298,000	97,267,000	128,556,000	107,979,000	114,930,000	83,248,000	86,354,000	96,191,000	51,302,000	31,282,000	91,457,000	50,462,000	37,721,000	30,955,000	49,502,000	72,192,000	81,301,000	30,329,000	54,785,000	36,657,000	33,414,000	58,170,000	67,630,000	76,309,000			68,558,000	87,238,000			74,824,000	87,900,000	103,611,000
proceeds from sale of marketable securities available-for-sale	-712,000				0	0			0	0							-2,548,000	379,000	26,391,000	35,357,000	1,088,000				0	70,000	32,319,000	0	0	5,206,000		0	13,000	921,000	293,000	1,786,000	313,000	5,735,000										0	0	56,865,000
proceeds from bank-owned life insurance	0	665,000			0	0			10,509,000	1,165,000	0	1,633,000		2,200,000	1,199,000	1,354,000		0	2,234,000	1,750,000					431,000	0	2,207,000
proceeds from sale of mortgage servicing rights									0	0
loan originations	-1,266,320,000	-1,125,907,000	-1,053,669,000	-915,437,000	-286,142,000	-759,964,000	-913,940,000	-1,055,402,000	-1,035,383,000	-903,623,000	-1,101,051,000	-923,686,000	-1,121,092,000	-1,306,225,000	-1,256,747,000	-901,499,000	-897,818,000	-1,007,248,000	-1,081,609,000	-975,141,000	-1,015,676,000	-1,173,978,000	-1,599,365,000	-866,950,000	-1,080,111,000	-880,102,000	-763,848,000	-773,066,000	-759,984,000	-723,096,000	-619,637,000	-729,023,000													-517,084,000	-426,011,000	-375,303,000	-481,909,000	-506,630,000	-497,200,000
proceeds from loan maturities and principal reductions	1,194,791,000	1,341,361,000	987,275,000	879,505,000	376,084,000	799,944,000	1,057,327,000	962,835,000	922,055,000	850,835,000	925,369,000	748,472,000	936,883,000	1,056,061,000	1,068,985,000	985,218,000	1,076,182,000	1,121,206,000	1,123,675,000	1,169,026,000	1,251,604,000	1,236,211,000	1,108,875,000	787,243,000	929,457,000	709,467,000	649,597,000	714,038,000	697,955,000	624,663,000	601,464,000	667,288,000	581,252,000	431,625,000	419,198,000	453,570,000	444,025,000	398,726,000	507,328,000	485,333,000	477,091,000			427,002,000	468,741,000	414,809,000	405,521,000	418,388,000	383,319,000	368,567,000
net redemptions of fhlb stock								-665,000
proceeds from sale of real estate owned	312,000	174,000	290,000	120,000	278,000	108,000	524,000	114,000	1,392,000	86,000	1,071,000	186,000	164,000	1,045,000			260,000	1,009,000	952,000	479,000	589,000	468,000	426,000	168,000	794,000	1,402,000	1,078,000	667,000	1,797,000	2,618,000	1,217,000	568,000	4,827,000	2,975,000	2,729,000	2,898,000	2,838,000	2,866,000	5,165,000	4,269,000	4,700,000			3,263,000	2,367,000	1,728,000	2,866,000	1,663,000	2,890,000	2,360,000
purchases of premises and equipment	-2,531,000	-3,648,000	-3,629,000	-1,822,000	-232,000	-88,000			-6,947,000				-3,707,000
acquisitions, net of cash received	0																				0	0			-1,000	0	-25,833,000					1,119,084,000
net cash from investing activities	-362,580,000	371,183,000	-90,019,000	-45,936,000		11,405,000	231,249,000	-143,587,000	-61,424,000	-5,569,000	-42,530,000	-130,157,000	-155,841,000	-249,459,000	-439,439,000	-72,684,000		146,942,000				-146,942,000			-61,711,000	-177,732,000	-92,098,000	-80,585,000	-103,654,000	-61,471,000
financing activities:
net increase in deposits	246,768,000	-122,392,000	26,873,000	29,602,000		-16,300,000	15,735,000	91,742,000	190,020,000	127,487,000	125,216,000	72,631,000	-413,844,000	-188,863,000	-253,145,000	19,235,000	78,952,000	131,505,000	-22,386,000	513,861,000	142,614,000	-6,322,000	1,053,167,000	200,728,000
repayments of long-term borrowings													0	0			0	-105,000	-2,000,000	-20,000,000	-94,655,000	-81,053,000																							-16,000	-16,000	-50,017,000	-35,016,000	-16,000	-1,516,000
net decrease in short-term borrowings	113,549,000	-223,772,000				-37,989,000									9,054,000	-17,657,000		-7,380,000	5,684,000	-9,469,000			47,999,000	-54,737,000		57,596,000	-120,308,000		-4,669,000	-3,680,000	-5,708,000
decrease in advances by borrowers for taxes and insurance																-560,000
cash dividends paid on common stock	-29,346,000	-29,373,000	-25,692,000	-25,502,000	-25,485,000	-25,479,000	-25,468,000	-25,422,000	-25,420,000	-25,420,000	-25,424,000	-25,405,000	-25,398,000	-25,379,000	-25,356,000	-25,335,000	-25,314,000	-25,376,000	-25,479,000	-24,105,000	-24,280,000	-24,283,000	-24,252,000	-20,317,000
proceeds from stock options exercised	167,000	177,000	555,000	31,000	1,275,000	1,099,000	61,000	20,000	20,000	112,000	33,000	465,000	1,452,000	897,000	1,619,000	1,205,000	1,290,000	688,000	5,106,000	6,927,000	473,000	0	1,000	1,005,000	758,000	1,367,000	4,658,000	1,920,000	3,315,000	2,367,000	3,306,000	1,823,000	774,000	632,000	1,435,000	477,000	2,169,000	2,294,000	2,660,000	1,683,000	1,218,000	898,000	209,000	786,000	599,000	387,000	353,000	200,000	839,000	329,000
net cash from financing activities	311,224,000	-401,385,000	6,218,000	3,149,000		-106,240,000	-162,791,000	69,945,000	-23,472,000	44,963,000	50,748,000	57,446,000		-219,774,000			85,156,000	53,852,000	-29,956,000	461,442,000	11,144,000	-99,981,000	1,055,131,000	129,277,000	32,574,000	140,801,000	86,260,000			142,611,000	88,383,000							75,435,000		-38,219,000	40,417,000							-10,410,000	24,624,000	50,674,000
net increase in cash and cash equivalents	-45,170,000	11,742,000	-86,128,000	64,825,000		-1,550,000			-39,735,000				20,816,000	-385,983,000			188,774,000	233,333,000	-122,138,000	243,013,000		-180,478,000	560,773,000	215,608,000	614,000	14,065,000	24,134,000			114,448,000					56,395,000			70,421,000			133,486,000			70,592,000
cash and cash equivalents at beginning of period	0	0	0	288,378,000	0	0	0	122,260,000	0	0	0	139,365,000	0	0	0	1,279,259,000	0	0	0	736,277,000	0	0	0	60,846,000	0	0	68,789,000	0	0	77,710,000	389,867,000	0	0	0	240,706,000	0	0	391,905,000	0	0	451,704,000	0	0	688,297,000	0	0	719,111,000	0	0	1,107,790,000
cash and cash equivalents at end of period	-45,170,000	11,742,000	-86,128,000	353,203,000	61,495,000	-1,550,000	109,114,000	119,319,000	-39,735,000	34,368,000	31,130,000	96,497,000	20,816,000	-385,983,000	-656,474,000	1,161,006,000	188,774,000	233,333,000	-122,138,000	979,290,000	79,528,000	-180,478,000	560,773,000	276,454,000	614,000	14,065,000	92,923,000	-59,099,000	-59,113,000	192,158,000	431,948,000	9,135,000	-197,323,000	-4,153,000	297,101,000	-92,179,000	-76,358,000	462,326,000	-32,842,000	-137,035,000	585,190,000	-83,800,000	-37,021,000	758,889,000	-42,438,000	-56,181,000	769,660,000	-131,317,000	-128,335,000	935,395,000
cash paid during the period for:
interest on deposits and borrowings	64,368,000	54,106,000	53,012,000	52,869,000	64,715,000	66,377,000	55,985,000	53,275,000	45,332,000	40,251,000	32,747,000	23,471,000	8,409,000	6,761,000	4,469,000	7,051,000	5,044,000	7,827,000	5,662,000	8,963,000	7,789,000	10,266,000	9,915,000	13,458,000	13,584,000	14,108,000	11,940,000	9,729,000	8,609,000	7,698,000	6,747,000	7,509,000	13,636,000	13,826,000	13,499,000	14,123,000	14,258,000	14,232,000	15,458,000	15,573,000	15,353,000	18,351,000	18,973,000	20,828,000	23,102,000			29,967,000	28,903,000	31,038,000
income taxes	4,942,000	7,775,000	27,067,000	774,000	12,545,000	1,273,000	13,360,000	612,000	9,760,000	14,130,000	23,815,000	291,000	17,514,000	10,270,000	11,497,000	84,000	4,615,000	8,360,000			7,967,000	19,494,000	1,750,000	556,000	4,280,000	9,025,000	1,747,000	10,150,000	7,782,000	1,367,000		2,584,000	5,908,000	3,796,000	1,027,000	4,471,000	9,856,000	5,016,000	6,217,000	12,373,000	3,587,000	6,097,000	3,337,000	955,000	6,185,000	9,218,000	917,000	7,459,000	7,510,000	532,000
business acquisitions:
fair value of assets acquired	163,000																				0	4,629,000			0	0	580,407,000						1,159,752,000	0	438,000			2,798,000
northwest bancshares, inc. common stock issued	0																				0	0			0	0	-43,288,000
net cash paid
liabilities assumed	163,000																				0	4,629,000			0	0	494,619,000					1,664,070,000						6,000
noncash activities:
loan foreclosures and repossessions	1,181,000	1,019,000	1,127,000	850,000	768,000	965,000	1,146,000	1,148,000	1,211,000	1,041,000	956,000	847,000	653,000	832,000	1,449,000	1,142,000	1,049,000	1,017,000	1,634,000	1,197,000	1,427,000	1,976,000	889,000	1,351,000	1,011,000	1,846,000	1,492,000											1,839,000			2,985,000			6,557,000
sale of real estate owned financed by the company									0	0			0				0	0	0	54,000					0			0	0	183,000	168,000	513,000	594,000	60,000	114,000	40,000	242,000	88,000	592,000	27,000	269,000	48,000	280,000	100,000	0	126,000	140,000	19,000
net gain/loss on sale of assets		-138,000
decrease in other assets		2,096,000	-31,379,000	65,841,000		34,994,000	-23,627,000	33,565,000			-47,239,000	6,958,000	-1,961,000	-8,301,000			2,915,000													1,294,000		83,000	26,300,000	5,548,000	5,685,000	2,030,000	-5,412,000	10,003,000	-5,535,000	2,446,000	8,754,000			9,896,000		2,239,000	8,774,000			6,288,000
decrease in other liabilities		19,294,000	-11,657,000	-16,895,000				-2,427,000			21,949,000	-24,494,000			14,734,000	-31,625,000												4,324,000	3,088,000	-7,364,000																	-4,045,000
noncash write-down of other assets		2,274,000	155,000	160,000		345,000	-134,000	5,929,000
net proceeds of fhlb stock		13,868,000															383,000
increase in advances by borrowers for taxes and insurance		-26,025,000	3,744,000	2,079,000			5,301,000	1,717,000	17,600,000	-29,490,000	7,250,000	2,280,000	17,966,000	-25,975,000			17,631,000	-26,657,000				-28,804,000	9,416,000	2,598,000	-30,176,000	9,602,000	1,587,000		7,986,000	2,829,000	3,591,000			6,765,000	4,491,000		6,603,000	4,405,000		6,100,000	3,835,000		4,641,000	4,112,000		4,180,000	3,323,000
non-cash activities:
cash paid																									0	0	-42,500,000					1,119,084,000
net proceeds/(redemptions) of fhlb stock				3,065,000		-381,000									-44,000	866,000			-1,426,000	-113,000
net increase in short-term borrowings				-3,061,000				1,888,000	-205,692,000			7,475,000	531,130,000
benefit from credit losses																-1,481,000			0	-5,620,000	-2,230,000	6,818,000
net (gain)/loss on sale of assets
deferred income tax expense/
purchase of marketable securities held-to-maturity													0	0			-179,652,000	0	-50,304,000	-428,861,000											-23,621,000																	-20,906,000	-181,660,000	-283,429,000
loan purchases													0	-66,958,000	-93,388,000	-210,775,000
net redemptions/(proceeds) of fhlb stock
proceeds from sale of real estate owned for investment													76,000	76,000	77,000	76,000	76,000	76,000	77,000	76,000		152,000	151,000	152,000
net cash provided by/(used in) investing activities
net increase/(decrease) in deposits
net (decrease)/increase in short-term borrowings
(decrease)/increase in advances by borrowers for taxes and insurance
net cash (used in)/provided by financing activities																-23,112,000
net increase/(decrease) in cash and cash equivalents
(purchases)/disposals of premises and equipment								-5,471,000
net decrease in cash and cash equivalents								-2,941,000			31,130,000	-42,868,000																								-92,179,000									-42,438,000
gain on sale of insurance business																	0	0
proceeds from sale of insurance business
purchase of common stock for retirement																	0	-18,823,000	-465,000	-4,566,000												0													-68,086,000	-71,572,000	-31,074,000
net (redemptions)/proceeds of fhlb stock											-3,094,000	-1,376,000
disposals of premises and equipment												1,340,000
proceeds of bank-owned life insurance
proceeds from sale of loans held for investment																					0	0	0	50,791,000
net (proceeds)/redemptions of fhlb stock
proceeds from long-term borrowings																					-36,000												0	0	85,000,000				0	10,000,000	20,000,000
net cash (used)/provided by financing activities
net gain on sale of assets														-233,000			-231,000	-400,000	-308,000	-262,000											-410,000	-838,000																	928,000	-1,230,000
proceeds from the sale of insurance business																		0
disposals/(purchases) of premises and equipment															1,358,000	329,000
adjustments to reconcile net income to net cash provided by/(used in) operating activities:
net income/(gain) on sale of assets																780,000
(increase)/decrease in other assets																-30,666,000			-7,143,000	33,746,000							-41,336,000
net cash (used in)/provided by operating activities																-22,457,000
net (decrease)/increase in cash and cash equivalents																-118,253,000
net cash used in investing activities
purchase of premises and equipment																		-2,723,000	-720,000	-285,000		-2,993,000	-4,262,000	-3,553,000	-2,784,000	-3,040,000	-3,478,000			-489,000	-2,256,000	-4,250,000													-2,664,000	150,000	-1,931,000	-3,992,000	-5,667,000	-2,030,000
increase/(decrease) in other liabilities																			2,773,000	-21,034,000						32,809,000	36,106,000
deferred income tax (benefit)/expense																					7,728,000	-12,342,000
net cash provided by/(used) in investing activities																				-286,448,000
increase/(decrease) in advances by borrowers for taxes and insurance																				-1,206,000
sale of real estate owned for investment																									152,000	152,000	152,000	151,000	152,000	152,000	152,000	152,000	152,000	152,000	152,000	152,000	152,000	152,000	257,000	114,000	114,000			114,000			102,000		-143,000	39,000
net cash provided used in investing activities
net increase/(decrease) in short-term borrowings																					-19,171,000
repurchase of northwest stock
gain on sale of mortgage loans
net depreciation and amortization																						2,579,000
net purchases/(proceeds) of federal home loan bank stock
net proceeds of federal home loan bank stock																							704,000	1,609,000	-6,435,000	-2,433,000	3,555,000
net cash provided/(used) in investing activities																								36,029,000
benefit from loan losses																									3,302,000	4,667,000	6,467,000	6,982,000	5,349,000	4,209,000	4,637,000	5,538,000	3,167,000	1,050,000	900,000	3,466,000	8,285,000	7,485,000	4,992,000	5,405,000	7,158,000	13,915,000	-2,037,000	6,287,000	8,057,000	8,367,000	7,244,000	9,871,000	7,896,000	8,801,000
net gain/(loss) on sale of assets
increase in deposits																									-2,393,000	91,369,000	218,966,000			158,500,000	103,434,000			12,415,000	49,525,000		-941,000	105,984,000		-17,059,000	35,551,000	18,886,000	-63,891,000	89,436,000	-6,556,000	-1,231,000	56,201,000	39,961,000	35,531,000	69,024,000
cash dividends paid																									-19,195,000	-19,133,000	-18,643,000	-17,540,000	-17,414,000	-17,405,000	-16,240,000	-15,075,000													-11,067,000	-11,404,000	-10,712,000	-11,077,000	-11,068,000	-11,063,000
net income on sale of assets																										615,000	810,000																	1,164,000
origination of loans held for sale																												0	0	-1,297,000	-18,579,000	-74,334,000													-31,244,000	-30,869,000	-15,385,000	-77,263,000	-20,550,000	-6,944,000
proceeds from sale of loans held for sale																												0	0	4,501,000	26,653,000	84,016,000	151,000	0	224,000	0	116,000	907,000	735,000	6,663,000	45,010,000			36,982,000	38,216,000	26,440,000	23,215,000	80,175,000	12,563,000	2,785,000
net (gain)/ loss on sale of assets																												643,000	106,000	1,009,000					274,000
net gain on sale of offices
(increase)/ decrease in other assets																												-2,965,000			7,634,000
proceeds from bank-owed life insurance
net purchase of federal home loan bank stock
increase/ (decrease) in deposits																												-53,425,000
net increase/ (decrease) in short-term borrowings																																-823,761,000												8,502,000
net cash provided by/ (used in) financing activities																												-18,160,000														-12,207,000
net (purchase)/ sale of federal home loan bank stock
(purchase)/ sale of premises and equipment
net increase/ (decrease) in cash and cash equivalents																															42,081,000																50,549,000		-128,335,000	-172,395,000
loans foreclosures and repossessions																													1,203,000	2,396,000	3,251,000	1,023,000	1,730,000	2,389,000	2,623,000	3,451,000			4,648,000			5,103,000
net increase in assets and liabilities held-for-sale																															3,382,000
net sale of federal home loan bank stock																														4,039,000	28,000
increase/ (decrease) in other liabilities																															-4,465,000			33,000	1,136,000
deferred income tax benefit																																205,000
net cash provided by/ (used in) investing activities																															-90,336,000	901,862,000									50,840,000				40,625,000
repayments of long-term borrowings, including prepayment penalty																																-317,000
cash and cash equivalents:
cash and due from banks																															106,635,000	19,893,000	7,406,000	30,000	83,970,000	-13,473,000	15,540,000	81,927,000	5,811,000	15,917,000	71,607,000	8,991,000	-2,755,000	85,050,000	9,604,000	2,443,000	78,446,000	52,830,000	-5,704,000	66,351,000
interest-earning deposits in other financial institutions																															320,231,000	-12,361,000	-205,105,000	-4,185,000	212,496,000	-78,706,000	-91,898,000	379,765,000	-38,653,000	-152,952,000	512,949,000	-92,791,000	-33,947,000	672,887,000	-52,042,000	-58,624,000	690,581,000	-184,147,000	-122,580,000	868,361,000
federal funds sold and other short-term investments																															5,082,000	1,603,000	376,000	2,000	635,000	0	0	634,000	0	0	634,000	0	-319,000	952,000	0	0	633,000	0	-51,000	683,000
total cash and cash equivalents																															431,948,000	9,135,000	-197,323,000	-4,153,000	297,101,000	-92,179,000	-76,358,000	462,326,000	-32,842,000	-137,035,000	585,190,000	-83,800,000	-37,021,000	758,889,000	-42,438,000	-56,181,000	769,660,000	-131,317,000	-128,335,000	935,395,000
fhlb prepayment penalty																																0
net sale/ (purchase) of federal home loan bank stock																																32,661,000
decrease in deposits
excess tax benefit from stock-based compensation																																81,000
fair value of assets acquired, excluding cash received
(purchase)/ sale of federal home loan bank stock
purchase of federal home loan bank stock
acquistions, net of cash received
business acquistions:
net provided by/ (used in) financing activities
(purchase)/ redemption of federal home loan bank stock
net provided by in financing activities																																			94,421,000
(decrease)/ increase in other liabilities																																																-1,152,000	3,513,000	-6,216,000
net cash (used in)/ provided by financing activities
(purchase of)/ proceeds from sale of federal home loan bank stock																																						1,000
net amortization/ (accretion) on marketable securities																																							145,000	2,000	57,000
noncash impairment losses on investment securities																																												238,000	0			392,000	218,000	97,000
redemption of federal home loan bank stock
(decrease)/ increase in deposits
redemption/ (purchase) of federal home loan bank stock
net (decrease)/ increase in short-term borrowings
net amortization of premium on marketable securities
proceeds from redemption of federal home loan bank stock
sale/ (purchase) of real estate owned for investment
net cash (used in)/ provided by investing activities																																																	-177,669,000	-243,750,000
june 30, 2012
external interest income
intersegment interest income
interest expense
noninterest income
noninterest expense
income tax expense
total assets
june 30, 2011
increase / (decrease) in other liabilities																																												2,547,000
proceeds from sale of federal home loan bank stock																																												1,845,000	2,711,000	2,854,000	3,004,000
net cash (used in) / provided by financing activities																																												91,392,000			-41,627,000
adjustments to reconcile net income to net cash
provided by operating activities:
decrease/ (increase) in other assets
increase/ (decrease)in other liabilities
net amortization of premium discount on marketable securities
noncash impairment of reo
purchase of real estate owned for investment																																													114,000
purchase of common stock for employee stock ownership plan																																																0	0	-17,200,000
loans transferred to real estate owned																																													2,965,000	4,028,000	1,796,000	4,484,000	3,154,000	4,309,000
net income/ (gain) on sale of assets
net amortization of discount on marketable securities
net income / (gain) on sale of assets																																															608,000
net amortization of premium/ (discount) on marketable securities																																															-344,000	387,000	-354,000	-747,000
proceeds from maturities and principal reductions
of marketable securities available-for-sale																																															63,997,000
of marketable securities held-to-maturity																																															43,320,000
net cash from /(used in) investing activities																																															49,881,000
net (decrease) /increase in short-term borrowings																																															-9,701,000		-6,332,000	8,101,000
interest on deposits and borrowings (including interest
credited to deposit accounts of 13,731 and 18,439, respectively)																																															24,598,000
repayment of debentures
net (decrease)/ increase in cash and cash equivalents
increase/ (decrease) in advances by borrowers for taxes and insurance																																																	5,670,000	2,999,000
net gain on sales of assets
net depreciation, amortization, and accretion
net amortization of discounts on marketable securities
noncash other-than-temporary impairment of investment securities
noncash impairment of real estate owned
noncash charitable contribution
noncash impairment/(recovery) of mortgage servicing rights
gain on bargain purchase
proceeds from sales of loans held for sale
proceeds from sales of marketable securities available-for-sale
proceeds from sales of marketable securities held-to-maturity
redemption/(purchase) of federal home loan bank stock
sale/(purchase) of real estate owned for investment
net cash (used in)/provided by investing activities
(decrease)/increase in deposits
treasury stock repurchases
repayment of junior subordinated debentures
net proceeds from common stock offering
purchase of common shares for esop
proceeds from options exercised, including tax benefit realized
net cash provided by/(used in) financing activities
net cash received/
loans transferred to held for investment from held for sale

Northwest Bancshares, Inc(NASDAQ:NWBI)

Northwest Bancshares, Inc
(NASDAQ:NWBI)