7Baggers
Quarterly
Annual
    Unit: USD2025-09-30 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 2018-12-31 2016-09-30 2016-06-30 2015-03-31 2014-06-30 2012-03-31 2011-03-31 2010-12-31 2010-03-31 2009-09-30 2009-06-30 2009-03-31 2008-09-30 2008-06-30 2008-03-31 2007-09-30 2006-09-30 2006-06-30 2006-03-31 2005-09-30 2005-06-30 2005-03-31 2004-09-30 2004-06-30 2004-03-31 2003-09-30 
      
    		                                                    
      cash flows from operating activities:
    		                                                    
      net
    		-36,000,000 -70,000,000 -100,000,000                                                  
      adjustments to reconcile net income to net cash from operating activities:
    		                                                    
      benefit from credit losses
    		38,000,000 64,000,000 79,000,000 145,000,000 242,000,000 390,000,000 315,000,000            3,569,000  13,016,000                                
      amortization of intangibles
    		26,000,000 27,000,000 28,000,000 31,000,000 37,000,000 33,000,000 35,000,000 36,000,000 36,000,000                                            
      depreciation
    		11,000,000 10,000,000 11,000,000 14,000,000 12,000,000 11,000,000 11,000,000 10,000,000 11,000,000 10,000,000 8,000,000 5,000,000 4,000,000 4,000,000 5,000,000 5,000,000 5,000,000 5,643,000 5,357,000 5,389,000 5,815,000 6,260,000 6,407,000 6,700,000 6,821,000 6,950,000                           
      amortization of discounts and premiums
    		25,000,000 30,000,000 32,000,000 40,000,000 47,000,000 45,000,000 49,000,000 442,000,000 -102,000,000 -83,000,000 -36,000,000 -29,000,000 -6,000,000 -1,000,000 -1,000,000 -1,000,000 -1,000,000 -4,344,000 1,344,000 6,000 1,503,000 3,230,000 6,384,000 1,287,000 1,208,000 1,195,000 21,223,000 -9,131,000 -14,313,000 -1,670,000                       
      net gain on securities
    		                  483,000     -275,000                             
      net gain on sales of loans and securitizations
    		-5,000,000 -6,000,000 -13,000,000                                                  
      bargain purchase gain adjustment
    		                                                    
      stock-based compensation
    		17,000,000 14,000,000 15,000,000 16,000,000 17,000,000 15,000,000 6,000,000 14,000,000 13,000,000 11,000,000 9,000,000 7,000,000 7,000,000 8,000,000 7,000,000 7,000,000 8,000,000 7,388,000 8,612,000 4,788,000 8,305,000 8,057,000 8,251,000 8,124,000 7,903,000 7,910,000 11,649,000                          
      deferred tax expense
    		-17,000,000 -54,000,000 -26,000,000 -182,000,000 -76,000,000 -78,000,000 -75,000,000 -155,000,000 12,000,000 -55,000,000 11,000,000 -3,000,000 15,000,000 -7,000,000 -8,000,000 -7,000,000 -32,000,000 -5,279,000 31,279,000 123,975,000 18,404,000 32,498,000 44,465,000 22,293,000 16,551,000 2,811,000 -14,372,000 17,319,000 10,831,000 9,419,000                       
      other operating activities
    		-4,000,000                                                    
      changes in operating assets and liabilities:
    		                                                    
      decrease (increase) in other miscellaneous assets
    		                                                    
      increase in other miscellaneous liabilities
    		-9,000,000    75,000,000                                                
      change in loans held for sale
    		268,000,000 -14,000,000 110,000,000 953,000,000 -625,000,000 104,000,000 98,000,000 647,000,000 296,000,000 -973,000,000 62,000,000                                          
      net cash from by operating activities
    		                                                    
      cash flows from investing activities:
    		                                                    
      proceeds from repayment of securities available for sale
    		538,000,000 581,000,000 375,000,000 574,000,000 496,000,000 402,000,000 627,000,000 148,000,000 106,000,000 484,000,000 664,000,000 161,000,000 174,000,000 234,000,000 163,000,000 329,000,000 468,000,000 435,658,000 495,342,000 466,894,000 635,119,000 531,645,000 428,098,000 1,072,099,000 191,095,000 316,103,000 767,812,000 51,000 49,073,000 886,000 -147,408,000 154,624,000 51,551,000 58,652,000 420,315,000 43,291,000 97,084,000 52,966,000 6,153,000   94,812,000           
      proceeds from sales of securities available for sale including loans that have been securitized
    		-493,000,000 307,000,000 271,000,000                                                  
      purchase of securities available for sale
    		-668,000,000 -2,657,000,000 -2,669,000,000 -833,000,000 -200,000,000 -1,595,000,000 -812,000,000 -700,000,000 -1,235,000,000 -668,000,000 -443,000,000 -52,000,000 -1,402,000,000 -519,000,000 -269,000,000 -229,000,000 -315,000,000 -266,406,000 -985,594,000 -1,041,151,000 -738,052,000 -250,861,000 -483,789,000 -1,190,999,000 -257,549,000 -655,425,000 -3,016,368,000 -159,336,000 22,500,000 -135,000,000 140,500,000 -239,500,000         -5,250,000    -26,000 -4,129,000 -1,258,000 -1,180,000   -2,830,660,000 -1,649,206,000 
      redemption of federal home loan bank stock
    		0 45,000,000 86,000,000 219,000,000 211,000,000 1,000,000 5,000,000 432,000,000 102,000,000 223,000,000 744,000,000 324,000,000 136,000,000 68,000,000 107,000,000 25,000,000 38,000,000 13,399,000 15,601,000 28,478,000 17,340,000 54,159,000 72,567,000 28,748,000 26,706,000 58,643,000 -343,403,000                          
      purchases of federal home loan bank and federal reserve bank stock
    		-1,000,000 -1,000,000 -1,000,000 -1,000,000 -10,000,000 -16,000,000 -163,000,000 -714,000,000 -76,000,000 -3,000,000 -833,000,000                                          
      proceeds from bank-owned life insurance
    		   3,000,000 2,000,000 10,000,000 6,000,000 3,000,000 3,000,000 15,000,000 9,000,000      3,000,000 -182,000 7,182,000   0 1,772,000  0 2,664,000                           
      net proceeds from sales of msr's
    		      61,000,000 0 0                                            
      other changes in loans
    		1,378,000,000 2,316,000,000 1,525,000,000   350,000,000 2,151,000,000 -1,254,000,000 -644,000,000 -1,132,000,000 -1,301,000,000 -1,935,000,000 -434,000,000 -1,690,000,000 -960,000,000 -2,028,000,000 -49,000,000 -255,981,000 -225,019,000 -15,784,000 -516,558,000 964,000 -380,427,000 25,528,000 -399,132,000 -391,409,000 633,093,000 -758,974,000                         
      purchases of premises and equipment
    		-10,000,000 -7,000,000 -12,000,000 -3,000,000 27,000,000 -22,000,000 -38,000,000        -1,000,000    -317,000                          -1,499,000        
      other investing activities
    		9,000,000                                                    
      net cash from investing activities
    		757,000,000 589,000,000 -425,000,000 4,454,000,000 9,827,000,000 -788,000,000 1,960,000,000 -1,734,000,000 -1,733,000,000 -965,000,000 25,105,000,000 -1,581,000,000 -1,672,000,000 -2,002,000,000 -1,068,000,000 -2,005,000,000 45,000,000 -120,821,000 -681,179,000 -649,673,000 -602,164,000 330,774,000 -104,296,000 -149,339,000 -330,067,000 -367,553,000 -5,149,319,000 -277,909,000 988,841,000 417,921,000 -478,698,000 -1,257,870,000 -195,522,000 -57,676,000 467,048,000 -75,916,000 -430,880,000 40,626,000   -134,273,000 305,255,000   -930,310,000 119,595,000 -499,418,000 -705,189,000   -2,925,937,000 -479,774,000 
      cash flows from financing activities:
    		                                                    
      net decrease in deposits
    		-595,000,000 -4,165,000,000 -1,967,000,000   4,171,000,000 -6,672,000,000                                            -301,979,000 -181,836,000 
      net decrease in short-term borrowed funds
    		        1,345,000,000    1,815,000,000 -550,000,000 -1,150,000,000             93,600,000 -860,400,000 -1,161,000,000   -500,000,000                    
      proceeds from long-term borrowed funds
    		0   15,986,000,000 1,450,000,000 0 10,800,000,000 16,175,000,000 3,175,000,000   2,549,000,000 3,975,000,000 1,955,000,000 1,000,000,000 1,422,000,000 26,000,000 299,000,000 325,000,000 2,300,000,000 1,500,000,000 975,000,000 2,150,000,000 1,780,992,000 755,000,000 749,820,000  0                         
      repayments of long-term borrowed funds
    		-500,000,000   -18,587,000,000 -3,700,000,000 -249,000,000 -8,301,000,000 -9,649,000,000 -6,351,000,000 -999,000,000 -2,375,000,000 -4,150,000,000 -6,300,000,000 -2,435,000,000 -1,075,000,000 -1,244,000,000 -51,000,000 -599,000,000 -650,000,000 -1,475,000,000 -950,000,000 -1,000,000,000 -3,125,000,000 -1,237,000,000 -931,000,000 -1,700,000,000                           
      net receipt (disbursement) of payments of loans serviced for others
    		-2,000,000     -288,000,000 10,000,000                                              
      cash dividends paid on common stock
    		-4,000,000 -4,000,000 -4,000,000 -5,000,000 -3,000,000 -37,000,000 -8,000,000 -122,000,000 -125,000,000 -231,000,000 -8,000,000 -80,000,000 -79,000,000 -79,000,000 -79,000,000 -79,000,000 -79,000,000 -78,948,000 -79,052,000 -78,756,000 -78,759,000 -78,760,000 -79,332,000 -79,353,000 -79,350,000 -79,340,000 -84,980,000 -82,734,000 -54,496,000 -110,851,000 -111,494,000 -109,554,000 -109,154,000 -108,754,000 -108,157,000 -86,089,000 -86,034,000 -86,079,000   -80,927,000    -66,952,000 -65,299,000 -65,224,000 -65,180,000     
      cash dividends paid on preferred stock
    		-9,000,000 -8,000,000 -8,000,000 -8,000,000 -9,000,000 17,000,000 -35,000,000 -8,000,000 -9,000,000 100,000,000 -116,000,000 -8,000,000 -9,000,000 -8,000,000 -8,000,000 -8,000,000 -9,000,000 -7,793,000 -8,207,000 -8,207,000 -8,207,000 -8,207,000 -8,207,000 -8,207,000 -8,207,000 -8,207,000                           
      proceeds from common stock and warrants issued
    		    261,000,000 329,000,000 413,000,000                                              
      proceeds from preferred stock issued
    		   0 -257,000,000 -337,000,000 595,000,000                                              
      payments relating to treasury shares received for restricted stock award tax payments
    		-2,000,000 -1,000,000 -4,000,000 -1,000,000 -1,000,000 -1,000,000 -8,000,000 -1,000,000 0   -5,000,000 0 -1,000,000 -11,000,000 0 -1,000,000 515,000 -15,515,000 -20,000 -289,000 -288,000 -8,235,000 -345,000 -39,000 -7,663,000 6,060,000 -206,000                         
      net cash from financing activities
    		-612,000,000 -5,420,000,000 -1,897,000,000 -12,669,000,000 -4,693,000,000 6,020,000,000 -247,000,000 5,435,000,000 -8,212,000,000 -839,000,000 -7,793,000,000 1,568,000,000 -137,000,000 2,165,000,000 1,572,000,000 1,479,000,000 330,000,000 -406,549,000 1,332,549,000   -276,706,000 565,936,000 -304,263,000 467,805,000 -275,820,000 3,717,479,000 267,267,000 -1,081,995,000 -475,854,000 792,967,000 870,041,000 -235,055,000 -585,289,000 -386,870,000 -61,089,000 367,075,000 1,622,000 977,383,000 333,821,000 283,191,000  140,297,000 -812,628,000 816,070,000 -250,552,000 486,803,000 466,783,000  -2,244,800,000 2,784,445,000 434,250,000 
      net increase in cash, cash equivalents, and restricted cash
    		388,000,000 -4,476,000,000 -2,912,000,000 -7,592,000,000 4,095,000,000 6,028,000,000 1,419,000,000 4,480,000,000 -8,891,000,000 -6,409,000,000 20,347,000,000     -311,000,000 436,000,000 -636,984,000 774,984,000 489,290,000 54,114,000 70,321,000 592,336,000                              
      cash, cash equivalents, and restricted cash at beginning of period
    		0 0 15,559,000,000  0            0 69,000 1,947,931,000  0 0 741,870,000 0 0 1,474,955,000                           
      cash, cash equivalents, and restricted cash at end of period
    		388,000,000 -4,476,000,000 12,647,000,000  4,095,000,000            436,000,000 -636,915,000 2,722,915,000  54,114,000 70,321,000 1,334,206,000 -373,617,000 238,276,000 990,019,000                           
      supplemental information:
    		                                                    
      cash paid for interest
    		694,000,000 743,000,000 817,000,000 971,000,000 1,065,000,000 880,000,000 777,000,000   554,000,000 489,000,000 258,000,000 170,000,000 119,000,000 110,000,000 91,000,000 105,000,000 92,811,000 113,189,000 114,149,000 149,051,000 167,001,000 202,459,000 241,487,000 192,650,000 187,890,000 362,170,000 97,968,000 46,230,000 139,220,000 110,507,000 161,951,000 171,491,000 186,864,000 203,198,000 174,136,000 189,856,000 190,489,000               
      cash paid for income taxes
    		0 5,000,000 12,000,000 2,000,000       13,000,000 4,000,000 5,000,000   0 135,000,000 321,995,000 14,005,000 100,414,000 7,073,000 386,000 10,000,000 0 69,372,000 5,908,000 -91,069,000 9,983,000 114,511,000 10,698,000    73,972,000 18,819,000 8,532,000 96,329,000 66,053,000               
      non-cash investing and financing activities:
    		                                                    
      transfers to repossessed assets from loans
    		-1,000,000 -1,000,000 5,000,000             0    458,000 0 0 120,000 0 187,000 2,840,000                           
      securitization of loans to mortgage-backed securities available for sale
    		 232,000,000 271,000,000                                                  
      transfer of loans from held for investment to held for sale
    		335,000,000 -18,000,000 273,000,000             0 4,000,000 255,000 47,745,000    3,124,000 20,699,000 41,082,000 29,336,000 -1,144,030,000 313,572,000 472,792,000 553,315,000                       
      shares issued for restricted stock awards
    		8,000,000 9,000,000 11,000,000         6,000,000 0 1,000,000 26,000,000 0 0 -51,000 28,051,000 0 0 0 22,198,000 222,000 1,221,000 15,058,000 -106,000 276,000                         
      decrease in other miscellaneous assets
    		                                                    
      net cash from operating activities
    		 355,000,000 -590,000,000 623,000,000 -1,039,000,000 796,000,000 -294,000,000 779,000,000 1,054,000,000 -4,605,000,000 3,035,000,000 395,000,000 232,000,000 214,000,000 185,000,000 215,000,000 61,000,000 -109,614,000 123,614,000 94,074,000 93,173,000 16,253,000 130,696,000 79,985,000 100,538,000 158,437,000 144,518,000 108,135,000 211,361,000 76,341,000 -643,916,000 741,876,000 854,764,000 335,416,000 -203,146,000 128,079,000 59,288,000 -78,183,000   67,590,000 103,839,000 64,326,000 82,315,000 74,415,000 98,690,000 51,901,000 247,424,000 183,115,000 38,783,000 22,708,000 67,345,000 
      net increase in short-term borrowed funds
    		     2,411,000,000 2,959,000,000    2,400,000,000         -425,000,000 125,000,000 100,000,000 1,350,000,000        -118,300,000 318,000,000  200,000,000                   
      re-issuance of treasury stock
    		                                                    
      increase in other miscellaneous assets
    		  -85,000,000                                                  
      decrease in other miscellaneous liabilities
    		  -641,000,000                                                  
      net decrease (increase) in short-term borrowed funds
    		  -250,000,000                                                  
      net receipt of payments of loans serviced for others
    		  336,000,000      -415,000,000 556,000,000 -189,000,000                                          
      net income
    		   -188,000,000 -280,000,000 -323,000,000 -327,000,000 -2,705,000,000 207,000,000 413,000,000 2,006,000,000 172,000,000 152,000,000 171,000,000 155,000,000 150,000,000 149,000,000 151,404,000 145,596,000 189,664,000 115,770,000 105,347,000 100,328,000 99,046,000 97,246,000 97,577,000 40,749,000 125,299,000 137,110,000 119,259,000 115,689,000 118,253,000 123,176,000 145,001,000 124,149,000 98,573,000 56,448,000 88,689,000   72,371,000 110,909,000 62,477,000 50,612,000 66,375,000 77,615,000 86,472,000 91,082,000 98,832,000 42,755,000 130,023,000 72,186,000 
      net income on securities
    		                                                    
      net gain on msr sale
    		                                                    
      net gain on sales of loans
    		   -5,000,000 -5,000,000 -18,000,000 -20,000,000         0 0       12,000 21,000 10,000 49,698,000                          
      net gain on sales of fixed assets
    		           0 0                                        
      long-term asset impairment
    		                                                    
      gain on business acquisition
    		   0 0 0 121,000,000 11,000,000 0 -141,000,000 -2,001,000,000                                          
      goodwill impairment
    		                                                    
      decrease (increase) in other assets
    		        -64,000,000 -183,000,000 112,000,000        7,891,000              16,703,000 26,252,000            17,688,000 -35,331,000 118,120,000     
      decrease in other liabilities
    		                 3,007,000 -28,007,000    -20,813,000             -22,445,000 30,299,000 -165,410,000   -16,134,000            
      purchases of securities held for trading
    		       0 0 0 -10,000,000 0 -40,000,000 0 -35,000,000 0 -50,000,000 0 -60,000,000 0    -20,000,000 0 -22,500,000                           
      proceeds from sales of securities held for trading
    		       0 0 0 10,000,000 0 40,000,000 0 35,000,000 0 50,000,000 -94,000 60,094,000 0    20,031,000 0 22,535,000                           
      proceeds from sales of loans originated for sale
    		                          -3,202,446,000 1,309,904,000 523,205,000 1,404,595,000                       
      purchases of loans
    		           -5,000,000 -13,000,000 -83,000,000 -61,000,000 -28,000,000 -67,000,000 -45,277,000 -20,723,000 -44,167,000 -3,685,000 -21,466,000 -26,300,000                              
      cash acquired in business acquisition
    		       -142,000,000 0 0 25,043,000,000                                          
      net increase in deposits
    		   -7,147,000,000    -1,097,000,000 -5,832,000,000 3,687,000,000 -7,496,000,000 1,016,000,000 461,000,000 3,290,000,000 2,895,000,000 438,000,000 444,000,000 -20,323,000 1,760,323,000 731,872,000 -24,640,000 -243,185,000 315,634,000 -760,350,000 731,401,000 836,695,000 949,426,000 256,607,000 -146,419,000 602,653,000 1,024,814,000 666,663,000 389,095,000 -418,339,000 24,168,000 113,820,000 178,144,000 -199,711,000 831,997,000 -164,316,000 361,583,000    198,283,000 -402,287,000 949,278,000 186,171,000     
      treasury stock repurchased
    		          -9,000,000 0 0       0 0 -21,266,000 -28,924,000 0 0 -67,125,000                           
      proceeds from common stock issued
    		                                                    
      cash, cash equivalents, and restricted cash at beginning of year
    		      11,609,000,000 0 0 0 2,082,000,000                                          
      cash, cash equivalents, and restricted cash at end of year
    		      13,028,000,000 4,480,000,000 -8,891,000,000 -6,409,000,000 22,429,000,000                                          
      non-cash reclassification of lhfs to securitized hfs loans
    		                                                    
      transfer of loans from held for sale to held for investment
    		               0 0             153,578,000                       
      mortgage servicing rights resulting from sale or securitization of loans
    		                                                    
      business combinations:
    		                                                    
      fair value of tangible assets acquired
    		                                                    
      intangible assets
    		                                                    
      mortgage servicing rights
    		                                                    
      liabilities assumed
    		                                                    
      common stock issued in business combination
    		                                                    
      issuance of fdic equity appreciation instrument
    		                                                    
      proceeds from sales of securities available for sale
    		    68,000,000 78,000,000 123,000,000  0 108,000,000 1,233,000,000         0 41,797,000 72,103,000 369,972,000 275,000 90,497,000 272,849,000 14,126,000 151,737,000               292,000 1,170,030,000 66,208,000        
      net proceeds from sales of mortgage servicing rights
    		    1,000,000                                                
      net change in loans held for investment, including loan sales
    		                                                    
      net disbursement of payments of loans serviced for others
    		                                                    
      net (gain) loss on securities
    		        0   0 1,000,000                                        
      increase in other assets
    		      -31,000,000         30,000,000 -59,000,000   -246,771,000 -65,841,000 -64,065,000 -34,397,000  -47,548,000 15,797,000         -22,767,000 44,556,000 -70,020,000 -15,602,000   -2,107,000          -114,621,000 -26,169,000 
      increase in other liabilities
    		      -476,000,000  611,000,000 -3,666,000,000 2,697,000,000 -151,000,000 33,000,000 -11,000,000 29,000,000 27,000,000    6,117,000 11,715,000    18,563,000 32,818,000 -41,712,000 9,598,000 -50,812,000 29,606,000 -25,891,000 19,818,000 -29,408,000 -71,353,000 98,575,000       144,000   -889,000 -10,676,000 -15,478,000 24,588,000 2,095,000 -50,739,000 52,531,000  
      benefit from loan losses
    		       552,000,000 62,000,000 49,000,000 170,000,000             4,781,000        15,000,000 26,000,000 28,903,000 20,000,000 15,000,000 12,000,000 6,000,000 400,000              
      proceeds from sales of loans
    		               0 4,000,000 71,000 32,929,000 4,000 0 0 3,124,000 20,687,000 41,061,000 29,326,000 -1,159,036,000 317,036,000 478,499,000 559,261,000              14,798,000 18,639,000        
      net (gain) loss on sales of loans
    		        -28,000,000 -25,000,000 -20,000,000        -744,000                                  
      (purchases) dispositions of premises and equipment
    		        11,000,000 -42,000,000 -11,000,000      -1,000,000                                    
      amortization of core deposit intangible
    		          17,000,000                                         1,500,000 
      securitization of residential mortgage loans to mortgage-backed securities available for sale
    		           5,000,000 13,000,000 83,000,000 61,000,000 28,000,000 67,000,000 45,277,000 20,723,000 11,328,000 0 15,571,000 26,300,000                              
      msrs resulting from sale or securitization of loans
    		                                                    
      business combination:
    		                                                    
      benefit from (recovery of) loan losses
    		                             7,000                       
      decrease in other assets
    		            23,000,000              -323,451,000 55,923,000 284,855,000 12,625,000  60,249,000           17,154,000 -9,311,000 17,458,000        
      origination of loans held for sale
    		                           -1,403,200,000 -684,013,000 -1,492,222,000 1,106,865,000 -2,487,034,000 -1,500,836,000 -3,843,019,000 -1,349,160,000 -27,918,000 -32,958,000 -17,661,000   -11,409,000            
      purchases of federal home loan bank stock
    		            -131,000,000 -24,000,000 -52,000,000 -75,000,000 -36,000,000 -420,000 -580,000 -45,000,000 -46,125,000 -58,987,000 -88,875,000 -52,771,000 -20,857,000 -2,250,000                           
      proceeds from (purchases of) bank-owned life insurance
    		            0 0 5,000,000     4,101,000                                 
      dispositions (purchases) of premises and equipment
    		            -2,000,000       -3,048,000                                 
      net increase in cash, cash equivalents, due from banks and restricted cash
    		            -1,577,000,000 377,000,000 689,000,000                                      
      cash, cash equivalents, due from banks, and restricted cash at beginning of year
    		            0 0 2,211,000,000                                      
      cash, cash equivalents, due from banks, and restricted cash at end of year
    		            -1,577,000,000 377,000,000 2,900,000,000                                      
      (recovery of) benefit from loan losses
    		             9,000,000 -2,000,000           -1,222,000                           
      gain on trading activity
    		                  -94,000 0    -31,000                             
      operating lease liabilities arising from obtaining right-of-use assets as of january 1, 2019
    		                       0 0 324,360,000                           
      disposition of premises and equipment
    		                                                    
      held for sale originations
    		                0 -234,000 -51,766,000  -15,796,000                                
      net gain on sales of securities
    		                    284,000 -887,000 -534,000   -5,409,000 427,000 -237,000 35,000 -211,000                       
      net income on sales of loans
    		                    -2,000 0 4,000                              
      net cash from (used in ) financing activities
    		                                                    
      dispositions of premises and equipment
    		                       0 0 1,245,000                           
      benefit from (recovery of) credit losses
    		                      20,601,000                              
      purchase of premises and equipment
    		                      -438,000    59,818,000 -8,726,000 -50,257,000 -10,682,000 -23,045,000 -5,802,000 -19,172,000 -39,307,000 -2,284,000 -1,496,000 -2,734,000 -657,000   -2,450,000     451,000 -934,000 -1,101,000     
      purchases of (proceeds from) bank-owned life insurance
    		                                                    
      dispositions (purchase) of premises and equipment
    		                       -704,000 -1,888,000 1,946,000                           
      net decrease in cash, cash equivalents, and restricted cash
    		                       -373,617,000 238,276,000 -484,936,000                           
      gain on trading securities activity
    		                         -35,000                           
      amortization of core deposit intangibles
    		                           542,000 -132,000 1,584,000 -754,000 5,159,000 7,385,000 7,672,000 7,892,000 5,412,000 5,476,000 5,687,000 5,757,000 5,821,000 6,032,000 5,855,000 5,049,000 4,467,000 3,306,000 2,930,000 2,930,000 2,943,000 2,860,000 2,860,000 2,860,000  
      proceeds from repayment of securities held to maturity
    		                           179,823,000 2,037,399,000 139,544,000 26,401,000 250,495,000 224,978,000 603,688,000 332,077,000 139,079,000 970,221,000 929,929,000 152,851,000   14,285,000           
      proceeds from sales of securities held to maturity
    		                                                    
      purchase of securities held to maturity
    		                           0   589,033,000 -739,371,000 -613,191,000 -741,724,000 -565,524,000 0 -986,301,000 -822,245,000   -1,100,611,000          -962,561,000  
      proceeds from issuance of long-term borrowed funds
    		                                                    
      net proceeds from issuance of preferred stock
    		                                                    
      net increase in cash and cash equivalents
    		                          -1,287,322,000 97,493,000 118,207,000 18,408,000 -329,647,000 354,047,000 424,187,000     -35,935,000   216,508,000 199,588,000 27,176,000 50,653,000 -39,825,000 -32,267,000 39,286,000 9,018,000   -118,784,000 21,821,000 
      cash and cash equivalents at beginning of year
    		                                                    
      cash and cash equivalents at end of year
    		                                                    
      securities transferred from held to maturity to available for sale
    		                                                    
      benefit from (recoveries of) loan losses
    		                                                    
      depreciation and amortization
    		                           8,278,000 8,680,000 7,645,000 7,647,000 6,005,000 5,891,000 5,430,000 4,935,000 5,011,000 4,992,000 5,024,000 4,836,000 4,918,000 5,040,000 4,622,000 4,121,000 3,842,000 3,420,000 3,344,000 3,352,000 3,379,000 3,318,000 3,303,000 3,274,000 1,714,000 
      changes in assets and liabilities:
    		                                                    
      purchase of federal home loan bank stock
    		                                                    
      tax effect of stock plans
    		                             996,000 2,373,000 -354,000 1,639,000 816,000 657,000 2,473,000 -566,000 1,887,000 1,375,000 1,993,000 277,000            
      cash and cash equivalents at beginning of period
    		                           0 -26,476,000 564,150,000 -1,357,187,000 2,001,737,000 1,927,542,000  2,670,857,000 0 0 203,216,000 0 0 335,743,000 0 0 0 231,803,000 0 0 188,850,000 0 0 287,071,000 0 
      cash and cash equivalents at end of period
    		                           97,493,000 91,731,000 582,558,000 -1,686,834,000 2,355,784,000 2,351,729,000  2,547,889,000 -8,926,000 -4,517,000 167,281,000 -3,695,000 -272,126,000 552,251,000 199,588,000 27,176,000 50,653,000 191,978,000 -32,267,000 39,286,000 197,868,000 -63,298,000 82,694,000 168,287,000 21,821,000 
      transfers to other real estate owned from loans
    		                           3,458,000 -1,865,000 17,098,000 60,312,000 33,263,000 46,218,000 30,832,000 1,634,000                  
      gain on sales of loans
    		                            -13,999,000 -21,461,000                       
      stock plan-related compensation
    		                            9,202,000 7,165,000 8,833,000 5,109,000 3,612,000 3,880,000 4,057,000 3,219,000 3,194,000 3,485,000 3,557,000 3,749,000 3,138,000 2,871,000           
      net redemption of federal home loan bank stock
    		                            26,751,000 50,385,000   23,283,000                    
      gain on visa shares sold
    		                                                    
      proceeds from sale of securities available for sale
    		                             135,211,000 -102,909,000 240,218,000 103,956,000 22,438,000 660,000    0   1,356,364,000           
      proceeds from sale of visa shares
    		                                                    
      net increase in loans
    		                             -321,684,000 -968,978,000 -904,364,000 -193,966,000   -272,825,000 -486,811,000 -103,622,000   -194,952,000    -1,132,143,000 -204,044,000 -1,343,892,000 -1,144,192,000   -582,538,000 -171,818,000 
      net increase in long-term borrowed funds
    		                             198,915,000     -333,340,000                  
      treasury stock purchases
    		                             -6,567,000 -3,740,000 -2,425,000 -2,381,000 -1,186,000 -1,706,000 -27,000 -638,000 -624,000   -12,000    -2,103,000 -34,000 -25,000 -1,032,000     
      net cash received from stock option exercises
    		                                2,300,000 1,236,000 2,573,000 0 0 25,000 2,816,000 8,217,000 3,960,000 14,505,000 820,000 -3,296,000 14,242,000 5,148,000 3,046,000 2,047,000     
      (recovery of) provisions for loan losses
    		                                                    
      gain on sale of loans
    		                                                    
      proceeds from sale of loans originated for sale
    		                              -1,729,140,000 3,030,905,000 2,211,232,000 4,052,914,000 911,038,000 33,701,000 27,586,000 15,446,000 12,079,000 15,437,000 8,043,000 12,519,000           
      proceeds from sale of securities held to maturity
    		                                227,039,000                    
      net purchase of federal home loan bank stock
    		                                                    
      net decrease in long-term borrowed funds
    		                              -747,000 -2,289,000 -16,554,000                    
      amortization of premiums
    		                               -216,000 278,000                   3,409,000 
      net gain on sale of securities
    		                               -718,000                     
      net gain on sale of loans
    		                               -40,014,000 -15,902,000 -37,779,000 -7,558,000 -251,000 -177,000 -108,000   -64,000      -2,892,000 -144,000   -334,000 -443,000 
      decrease in deferred tax asset
    		                               9,360,000 16,625,000        2,481,000            
      net (purchase) redemption of federal home loan bank stock
    		                               -14,170,000                     
      cash paid for (received from) income taxes
    		                               39,746,000                     
      net (gain) loss on sale of securities
    		                                -9,992,000                    
      loss on otti of securities recognized in earnings
    		                                 0 723,000 13,275,000                 
      net cash acquired in business combination
    		                                                    
      proceeds from issuance of common stock
    		                                 0 28,935,000    0    0          
      cash (received from) paid for income taxes
    		                                -10,134,000                    
      amortization of premiums (accretion of discounts)
    		                                 424,000 1,881,000                  
      net change in net deferred loan origination costs and fees
    		                                 885,000 1,846,000 -693,000 -610,000 -322,000 -326,000 -194,000 4,827,000    -1,265,000        
      gain on business acquisitions
    		                                                    
      decrease (increase) in deferred tax asset
    		                                 30,747,000 1,235,000                  
      net decrease (increase) in loans
    		                                 37,406,000 84,698,000       123,080,000           
      purchase of loans
    		                                        -45,500,000            
      proceeds from sale of loans
    		                                      0 0 25,035,000 0    32,581,000 186,586,000 16,117,000 20,840,000 50,530,000 165,359,000 94,969,000 
      net cash acquired in business combinations
    		                                  140,895,000                  
      cash from exercise of fdic equity appreciation instrument
    		                                                    
      net cash received from warrant exercises
    		                                                    
      exchange of debt for common stock
    		                                                    
      mortgage loans securitized and transferred to mortgage-related securities available for sale
    		                                         0           
      net income on sale of securities
    		                                  8,000                  
      net redemption (purchase) of fhlb stock
    		                                  56,211,000                  
      net cash acquired in business acquisition
    		                                                    
      net decrease in cash and cash equivalents
    		                                  -122,968,000 -8,926,000                 
      note: excluding the cdi and the fdic loss share receivable, the fair values of non-cash assets acquired and of liabilities assumed in the acquisition of desert hills bank on march 26, 2010 were 254.1 million and 442.3 million, respectively.
    		                                                    
      accretion of discounts
    		                                   -594,000 -3,411,000 -532,000          -8,964,000     
      increase in deferred tax asset
    		                                   -38,767,000 -13,259,000 -2,879,000               
      net purchase of fhlb-ny stock
    		                                               -42,935,000     
      net increase in short-term borrowings
    		                                   -145,900,000 352,600,000 159,900,000 298,900,000              
      net increase in long-term borrowings
    		                                   -10,030,000 -104,000 49,897,000               
      mortgage loans securitized and transferred to mortgage-related securities held to maturity
    		                                      0 0 71,307,000            
      transfer to other real estate owned from loans
    		                                   13,811,000 0 561,000    577,000    852,000 43,000 124,000 253,000 8,795,000 205,000  
      net (purchase) redemption of fhlb-ny stock
    		                                    -22,339,000 -15,745,000               
      non-cash investing activities:
    		                                                    
      net increase in mortgagors’ escrow
    		                                     76,327,000 27,184,000 -47,504,000 73,740,000    75,894,000 26,304,000 -47,855,000 68,151,000 21,497,000 -25,853,000 58,549,000 9,959,000 
      gain on sale of bank-owned property
    		                                                    
      loss on other-than-temporary impairment of securities
    		                                      44,160,000   0           
      increase in official checks outstanding
    		                                      909,000 10,994,000 -1,633,000 -7,699,000   -22,478,000 9,264,000 7,053,000 6,899,000   -33,311,000 -7,915,000 
      net proceeds from sale of bank-owned property
    		                                                    
      net cash acquired in acquisitions
    		                                                    
      net decrease in long-term borrowings
    		                                        -75,430,000            
      cash in lieu of fractional shares
    		                                            -2,000        
      cash paid for:
    		                                                    
      interest
    		                                      215,964,000 277,203,000 246,260,000 224,371,000 210,197,000   165,837,000 166,209,000 142,500,000 138,060,000 104,394,000 104,625,000 56,441,000 
      income taxes
    		                                      -7,508,000 21,935,000 139,000 1,076,000 -5,735,000   15,543,000 33,679,000 -80,722,000 -152,000 126,049,000 -29,930,000 39,270,000 
      (accretion of discounts) amortization of premiums
    		                                        -2,995,000            
      net redemption of fhlb-ny stock
    		                                       -59,000 2,880,000            
      proceeds from repayments of securities held to maturity
    		                                        1,074,790,000  53,114,000 65,608,000 73,297,000        
      proceeds from repayments of securities available for sale
    		                                        111,785,000  85,424,000 135,363,000 83,000,000        
      net decrease in short-term borrowings
    		                                                    
      decrease in deferred income taxes
    		                                         13,006,000 8,256,000   11,291,000     1,383,000  
      net redemption (purchase) of federal home loan bank of new york stock
    		                                         9,752,000           
      adjustments to intangible assets
    		                                            249,000        
      net cash acquired (used) in acquisitions
    		                                         116,067,000           
      net increase in borrowed funds
    		                                          25,202,000 -571,816,000 596,689,000 185,616,000 -352,417,000 276,626,000 -772,144,000 -1,949,030,000 2,732,914,000  
      premium amortization (accretion of discounts)
    		                                                    
      net decrease in mortgagors’ escrow
    		                                                    
      accretion of discounts, net of premium amortization
    		                                            -1,363,000 -1,347,000       
      net securities gains
    		                                            -2,823,000   -48,000   -9,944,000 -5,478,000 
      net gains on sales of loans
    		                                            -276,000        
      gain on sales of bank-owned properties
    		                                                    
      allocated portion of esop
    		                                          1,556,000 1,569,000 1,615,000 1,774,000 1,792,000 1,844,000 2,132,000 2,041,000 3,290,000  
      originations of loans held for sale
    		                                                    
      net purchase of federal home loan bank of new york stock
    		                                            -38,035,000        
      proceeds from sales of bank-owned properties
    		                                                    
      net cash from acquisition
    		                                                    
      cash paid for
    		                                                    
      gain on sale of bank-owned properties
    		                                             0 0 -6,110,000     
      loss on mark-to-market of interest rate swaps
    		                                            6,071,000        
      tax benefit effect on stock plans
    		                                                    
      decrease (increase) in deferred income taxes
    		                                            5,264,000        
      net decrease in net deferred loan origination costs/fees
    		                                             479,000       
      net securities (gains) losses
    		                                             -83,000       
      net gains on sale of loans
    		                                                    
      tax benefits and other stock plan activity
    		                                             347,000       
      decrease (increase) in goodwill
    		                                             0 0 13,758,000     
      proceeds from sale of bank-owned properties
    		                                             0 0 7,847,000     
      proceeds from shares issued in secondary offering
    		                                                0 0 399,532,000  
      cash in lieu of fractional shares related to stock split
    		                                                  -594,000  
      transfer of securities from available for sale to held to maturity, at fair value
    		                                                0    
      total adjustments
    		                                              -34,571,000 156,342,000   -107,315,000 -4,841,000 
      proceeds from repayments and redemptions of securities held to maturity
    		                                              150,803,000 307,319,000   351,772,000  
      proceeds from repayments, redemptions, and sales of securities available for sale
    		                                              518,441,000 152,936,000 757,794,000 5,803,185,000 936,845,000  
      net purchase of federal home loan bank of newyork stock
    		                                                    
      net decrease (increase) in net deferred loan origination costs/fees
    		                                               295,000     
      tax benefits and changes to stock plans
    		                                               1,149,000     
      increase in deferred income taxes
    		                                               -1,367,000     
      net decrease (increase) in net deferred loan origination fees
    		                                                -237,000    
      net securities losses
    		                                                -412,000    
      changes to stock plans, including related tax benefits
    		                                                840,000 2,216,000 34,458,000  
      increase in goodwill
    		                                                  -24,399,000  
      net purchase of fhlb stock
    		                                                    
      purchase or acquisition of premises and equipment
    		                                                  -4,154,000 -2,971,000 
      cash dividends
    		                                                    
      net cash (used) provided by financing activities
    		                                                    
      proceeds from repayments and redemptions of securities held to maturity and fhlb stock
    		                                                    
      purchases of securities held to maturity and fhlb stock
    		                                                    
      purchases of securities available for sale
    		                                                    
      cash dividends and stock options exercised
    		                                                  -122,217,000 -36,423,000 
      treasury stock purchased, net of stock options exercised
    		                                                    
      amortization of discounts/premiums
    		                                                  -21,273,000  
      accretion of net deferred loan origination fees
    		                                                  -1,229,000  
      stock options exercised, net of treasury stock purchased
    		                                                  18,240,000  
      net increase in deferred loan origination fees
    		                                                    
      tax benefit effect of stock plans
    		                                                   2,989,000 
      allocation/earned portion of esop
    		                                                   2,554,000 
      goodwill recognized in the peter b. cannell & co., inc. acquisition
    		                                                    
      increase in deferred income taxes, net of securities market value adjustments
    		                                                    
      proceeds from redemption and prepayments of securities and mortgage-backed securities held to maturity
    		                                                   91,386,000 
      proceeds from redemption, prepayments, and sales of securities available for sale
    		                                                   2,055,002,000 
      purchase of securities and mortgage-backed securities held to maturity
    		                                                    
      net increase in borrowings
    		                                                   677,511,000 
      purchase of treasury stock, net of stock options exercised
    		                                                   -34,961,000 
      proceeds from issuance of common stock in secondary offering
    		                                                    
      treasury stock issued in secondary offering
    		                                                    
      common stock acquired by esop
    		                                                    
      cash in lieu of fractional shares in connection with stock split
    		                                                   0 
      securitization of mortgage loans to mortgage-backed securities
    		                                                    
      transfer of securities from available for sale to held to maturity
    		                                                    
      reclassification from other loans to securities available for sale
    		                                                    
      transfers to foreclosed real estate from loans
    		                                                    
      amortization of net deferred loan origination fees
    		                                                    
      goodwill recognized in the peter b. cannell & co., inc. acquisition and related adjustment
    		                                                    
    The information provided in this report is taken from www.sec.gov and many other data providers. While we have conducted our best efforts to ensure that the parsed data is accurate, we cannot guarantee its accuracy. Please use caution and understand that any consequences of its use are your own responsibility.