New York Community Bancorp, Inc(NYSE:NYCB) 
New York Community Bancorp, Inc. operates as the bank holding company for New York Community Bank that provides banking products and services in Metro New York, New Jersey, Ohio, Florida, and Arizona. The company accepts various deposit products, such as interest-bearing checking and money market, s...
Website: http://www.mynycb.com
Founded: 1859
Full Time Employees: 2,786
Sector: Financial Services
Industry: Banks-Regional
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| Unit: USD | 2026-03-31 | 2025-09-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-06-30 | 2024-03-31 | 2023-12-31 | 2023-09-30 | 2023-06-30 | 2023-03-31 | 2022-12-31 | 2022-09-30 | 2022-06-30 | 2022-03-31 | 2021-12-31 | 2021-09-30 | 2021-06-30 | 2021-03-31 | 2020-12-31 | 2020-09-30 | 2020-06-30 | 2020-03-31 | 2019-12-31 | 2019-09-30 | 2019-06-30 | 2018-06-30 | 2016-12-31 | 2016-09-30 | 2016-06-30 | 2016-03-31 | 2015-09-30 | 2015-03-31 | 2014-06-30 | 2014-03-31 | 2013-03-31 | 2012-03-31 | 2011-03-31 | 2010-12-31 |
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interest income: | |||||||||||||||||||||||||||||||||||||||
loans and leases | 754,000,000 | 819,000,000 | 860,000,000 | 948,000,000 | 1,061,000,000 | 1,167,000,000 | 1,193,000,000 | 1,230,000,000 | 1,251,000,000 | 1,161,000,000 | 867,000,000 | 589,000,000 | 442,000,000 | 424,000,000 | 393,000,000 | 380,000,000 | 376,000,000 | 386,000,000 | 383,430,000 | 388,082,000 | 380,337,000 | 381,884,000 | 391,911,000 | ||||||||||||||||
securities and money market investments | 230,000,000 | 282,000,000 | 304,000,000 | 410,000,000 | 473,000,000 | 381,000,000 | 320,000,000 | 217,000,000 | 261,000,000 | 337,000,000 | 167,000,000 | 92,000,000 | 67,000,000 | 49,000,000 | 36,000,000 | 40,000,000 | 39,000,000 | 45,000,000 | 39,678,000 | 37,745,000 | 37,712,000 | 41,191,000 | 49,131,000 | 57,023,000 | 62,631,000 | 66,118,000 | 48,876,000 | 42,465,000 | 48,164,000 | 49,133,000 | 63,087,000 | 58,634,000 | 64,409,000 | 67,325,000 | 69,781,000 | 45,808,000 | 48,454,000 | 54,981,000 | |
total interest income | 984,000,000 | 1,101,000,000 | 1,164,000,000 | 1,358,000,000 | 1,534,000,000 | 1,548,000,000 | 1,513,000,000 | 1,447,000,000 | 1,512,000,000 | 1,498,000,000 | 1,034,000,000 | 681,000,000 | 509,000,000 | 473,000,000 | 429,000,000 | 420,000,000 | 415,000,000 | 431,000,000 | 423,108,000 | 425,827,000 | 418,049,000 | 423,075,000 | 441,042,000 | 450,683,000 | 454,551,000 | 453,752,000 | 417,332,000 | 415,348,000 | 416,096,000 | 419,615,000 | 423,810,000 | 416,550,000 | 428,913,000 | 417,882,000 | 415,311,000 | 412,807,000 | 446,638,000 | 470,923,000 | |
interest expense: | |||||||||||||||||||||||||||||||||||||||
interest-bearing checking and money market accounts | 114,000,000 | 151,000,000 | 167,000,000 | 205,000,000 | 218,000,000 | 214,000,000 | 232,000,000 | 286,000,000 | 268,000,000 | 232,000,000 | 157,000,000 | 122,000,000 | 72,000,000 | 24,000,000 | 8,000,000 | 7,000,000 | 8,000,000 | 7,000,000 | 8,652,000 | 8,988,000 | 9,328,000 | 10,059,000 | 28,564,000 | 33,951,000 | 42,465,000 | 47,772,000 | 40,380,000 | ||||||||||||
savings accounts | 101,000,000 | 113,000,000 | 111,000,000 | 124,000,000 | 110,000,000 | 64,000,000 | 47,000,000 | 47,000,000 | 43,000,000 | 40,000,000 | 39,000,000 | 27,000,000 | 15,000,000 | 10,000,000 | 8,000,000 | 8,000,000 | 7,000,000 | 7,000,000 | 6,255,000 | 6,915,000 | 7,593,000 | 8,208,000 | 8,934,000 | 9,435,000 | 9,326,000 | 8,861,000 | 6,630,000 | 6,981,000 | 7,439,000 | 7,354,000 | 10,208,000 | 12,739,000 | 12,333,000 | 8,259,000 | 6,473,000 | 4,021,000 | 3,496,000 | 4,127,000 | |
certificates of deposit | 203,000,000 | 255,000,000 | 308,000,000 | 362,000,000 | 372,000,000 | 337,000,000 | 291,000,000 | 210,000,000 | 180,000,000 | 169,000,000 | 87,000,000 | 51,000,000 | 23,000,000 | 12,000,000 | 11,000,000 | 12,000,000 | 11,000,000 | 14,000,000 | 18,471,000 | 28,143,000 | 44,481,000 | 65,233,000 | 79,555,000 | 84,874,000 | 86,934,000 | 80,651,000 | 39,534,000 | 21,746,000 | 20,501,000 | 18,738,000 | 15,890,000 | 15,539,000 | 17,116,000 | 18,464,000 | 19,060,000 | 22,235,000 | 23,720,000 | 26,974,000 | |
borrowed funds | 123,000,000 | 157,000,000 | 168,000,000 | 206,000,000 | 324,000,000 | 376,000,000 | 319,000,000 | 164,000,000 | 139,000,000 | 157,000,000 | 196,000,000 | 102,000,000 | 73,000,000 | 68,000,000 | 70,000,000 | 71,000,000 | 71,000,000 | 72,000,000 | 72,071,000 | 73,864,000 | 74,761,000 | 73,703,000 | 79,522,000 | 79,953,000 | 79,911,000 | 78,778,000 | 66,833,000 | 54,706,000 | 53,867,000 | 52,664,000 | 55,227,000 | 97,090,000 | 95,644,000 | 98,296,000 | 97,232,000 | 102,200,000 | 122,275,000 | 125,416,000 | |
total interest expense | 541,000,000 | 676,000,000 | 754,000,000 | 897,000,000 | 1,024,000,000 | 991,000,000 | 889,000,000 | 707,000,000 | 630,000,000 | 598,000,000 | 479,000,000 | 302,000,000 | 183,000,000 | 114,000,000 | 97,000,000 | 98,000,000 | 97,000,000 | 100,000,000 | 105,449,000 | 117,910,000 | 136,163,000 | 157,203,000 | 196,575,000 | 208,213,000 | 218,636,000 | 216,062,000 | 153,377,000 | 99,828,000 | 97,673,000 | 94,042,000 | 95,944,000 | 137,138,000 | 136,145,000 | 134,390,000 | 131,161,000 | 137,631,000 | 158,224,000 | 167,671,000 | |
net interest income | 443,000,000 | 425,000,000 | 410,000,000 | 461,000,000 | 510,000,000 | 557,000,000 | 624,000,000 | 740,000,000 | 882,000,000 | 900,000,000 | 555,000,000 | 379,000,000 | 326,000,000 | 359,000,000 | 332,000,000 | 322,000,000 | 318,000,000 | 331,000,000 | 317,659,000 | 307,917,000 | 281,886,000 | 265,872,000 | 244,467,000 | 242,470,000 | 235,915,000 | 237,690,000 | 263,955,000 | 315,520,000 | 318,423,000 | 325,573,000 | 327,866,000 | 279,412,000 | 292,768,000 | 283,492,000 | 284,150,000 | 275,176,000 | 288,414,000 | 303,252,000 | |
provision for credit losses | 38,000,000 | 79,000,000 | 145,000,000 | 242,000,000 | 390,000,000 | 315,000,000 | 124,000,000 | 2,000,000 | 9,000,000 | ||||||||||||||||||||||||||||||
net interest income after provision for credit losses | 443,000,000 | 387,000,000 | |||||||||||||||||||||||||||||||||||||
non-interest income: | |||||||||||||||||||||||||||||||||||||||
fee income | 23,000,000 | 23,000,000 | 22,000,000 | 33,000,000 | 42,000,000 | 41,000,000 | 34,000,000 | 39,000,000 | 58,000,000 | 48,000,000 | 27,000,000 | 10,000,000 | 5,000,000 | 6,000,000 | 6,000,000 | 6,000,000 | 6,000,000 | 6,000,000 | 5,539,000 | 6,045,000 | 5,240,000 | 3,723,000 | 7,018,000 | 7,002,000 | 7,580,000 | 7,487,000 | 7,492,000 | 8,185,000 | 8,640,000 | 7,917,000 | 7,923,000 | 8,765,000 | 8,394,000 | 9,430,000 | 8,894,000 | 8,772,000 | 9,758,000 | 11,899,000 | |
bank-owned life insurance | 10,000,000 | 12,000,000 | 10,000,000 | 10,000,000 | 10,000,000 | 12,000,000 | 10,000,000 | 11,000,000 | 11,000,000 | 11,000,000 | 10,000,000 | 8,000,000 | 10,000,000 | 7,000,000 | 7,000,000 | 7,000,000 | 7,000,000 | 8,000,000 | 6,890,000 | 7,292,000 | 7,566,000 | 9,503,000 | 7,389,000 | 8,118,000 | 6,791,000 | 6,479,000 | 6,318,000 | 7,807,000 | 7,029,000 | 6,843,000 | 9,336,000 | 7,117,000 | 6,704,000 | 6,813,000 | 6,829,000 | 7,253,000 | 9,585,000 | 6,889,000 | |
net gain on investment securities | -9,000,000 | 22,000,000 | |||||||||||||||||||||||||||||||||||||
net gain on loan sales and securitizations | 5,000,000 | 5,000,000 | 13,000,000 | 5,000,000 | 5,000,000 | 18,000,000 | 20,000,000 | 16,000,000 | 28,000,000 | 25,000,000 | |||||||||||||||||||||||||||||
net loan administration income | 4,000,000 | -1,000,000 | -8,000,000 | -5,000,000 | 16,000,000 | 17,000,000 | 19,000,000 | 39,000,000 | |||||||||||||||||||||||||||||||
other | 26,000,000 | 32,000,000 | 31,000,000 | 29,000,000 | 30,000,000 | 29,000,000 | 29,000,000 | 22,000,000 | 21,000,000 | 14,000,000 | 11,000,000 | 7,000,000 | 3,000,000 | 5,000,000 | 2,000,000 | 3,000,000 | 2,000,000 | 2,000,000 | 2,461,000 | 1,568,000 | 1,246,000 | 1,267,000 | 1,958,000 | 2,372,000 | 9,740,000 | 3,138,000 | 9,199,000 | ||||||||||||
total non-interest income | 55,000,000 | 94,000,000 | 80,000,000 | 164,000,000 | 113,000,000 | 114,000,000 | 9,000,000 | 127,000,000 | 160,000,000 | 302,000,000 | 2,098,000,000 | 198,000,000 | 17,000,000 | 18,000,000 | 14,000,000 | 16,000,000 | 15,000,000 | 16,000,000 | 14,407,000 | 15,033,000 | 13,768,000 | 15,380,000 | 16,899,000 | 17,462,000 | 24,386,000 | 17,597,000 | 22,706,000 | 32,374,000 | 40,595,000 | 37,366,000 | 35,237,000 | 37,587,000 | 52,234,000 | 52,593,000 | 37,235,000 | 75,551,000 | 61,996,000 | 58,610,000 | |
non-interest expense: | |||||||||||||||||||||||||||||||||||||||
operating expenses: | |||||||||||||||||||||||||||||||||||||||
compensation and benefits | 228,000,000 | 242,000,000 | 244,000,000 | 302,000,000 | 316,000,000 | 312,000,000 | 333,000,000 | 295,000,000 | 346,000,000 | 289,000,000 | 219,000,000 | 116,000,000 | 79,000,000 | 79,000,000 | 80,000,000 | 74,000,000 | 77,000,000 | 74,000,000 | 78,026,000 | 72,576,000 | 73,182,000 | 75,705,000 | 79,451,000 | 72,525,000 | 75,159,000 | 72,573,000 | 80,314,000 | 90,206,000 | 86,079,000 | 85,847,000 | 89,304,000 | 84,177,000 | 87,209,000 | 74,843,000 | 75,740,000 | 83,506,000 | 73,617,000 | 72,068,000 | |
occupancy and equipment | 50,000,000 | 47,000,000 | 55,000,000 | 48,000,000 | 59,000,000 | 52,000,000 | 52,000,000 | 58,000,000 | 55,000,000 | 50,000,000 | 37,000,000 | 25,000,000 | 22,000,000 | 22,000,000 | 23,000,000 | 23,000,000 | 22,000,000 | 22,000,000 | 21,481,000 | 22,876,000 | 23,960,000 | 21,177,000 | 17,875,000 | 22,575,000 | 21,748,000 | 21,889,000 | 25,026,000 | 24,706,000 | 24,347,000 | 23,675,000 | 25,815,000 | 25,976,000 | 25,299,000 | 24,380,000 | 25,998,000 | 23,600,000 | 21,884,000 | 21,940,000 | |
software expense | 47,000,000 | ||||||||||||||||||||||||||||||||||||||
fdic insurance | 30,000,000 | 37,000,000 | 50,000,000 | 74,000,000 | 98,000,000 | 91,000,000 | |||||||||||||||||||||||||||||||||
professional services | 22,000,000 | ||||||||||||||||||||||||||||||||||||||
general and administrative | 64,000,000 | 153,000,000 | 147,000,000 | 252,000,000 | 188,000,000 | 183,000,000 | 236,000,000 | 254,000,000 | 184,000,000 | 176,000,000 | 136,000,000 | 63,000,000 | 31,000,000 | 33,000,000 | 31,000,000 | 31,000,000 | 30,000,000 | 33,000,000 | 32,894,000 | 38,116,000 | 31,366,000 | 26,711,000 | 28,196,000 | 30,997,000 | 26,395,000 | 28,590,000 | 32,802,000 | 48,821,000 | 48,506,000 | 49,533,000 | 41,270,000 | 35,875,000 | 42,744,000 | 46,531,000 | 42,264,000 | 44,569,000 | 49,517,000 | 45,309,000 | |
total operating expense | 441,000,000 | 479,000,000 | 496,000,000 | 676,000,000 | 661,000,000 | 638,000,000 | 621,000,000 | 607,000,000 | 585,000,000 | 515,000,000 | 392,000,000 | 204,000,000 | 132,000,000 | 134,000,000 | 134,000,000 | ||||||||||||||||||||||||
intangible asset amortization | 25,000,000 | 26,000,000 | 28,000,000 | 31,000,000 | 37,000,000 | 33,000,000 | 35,000,000 | 36,000,000 | 36,000,000 | 37,000,000 | 17,000,000 | ||||||||||||||||||||||||||||
merger-related expense | |||||||||||||||||||||||||||||||||||||||
total non-interest expense | 466,000,000 | 522,000,000 | 532,000,000 | 718,000,000 | 716,000,000 | 705,000,000 | 699,000,000 | 3,132,000,000 | 712,000,000 | 661,000,000 | 476,000,000 | 269,000,000 | 136,000,000 | 138,000,000 | 141,000,000 | 135,000,000 | 135,000,000 | 139,000,000 | 132,401,000 | 133,568,000 | 128,508,000 | 123,593,000 | 125,522,000 | 126,097,000 | 123,302,000 | 123,052,000 | 138,142,000 | 170,602,000 | 161,685,000 | 160,911,000 | 158,448,000 | 147,308,000 | 156,836,000 | 147,836,000 | 146,325,000 | 156,096,000 | 150,177,000 | 146,702,000 | |
income before income taxes | 32,000,000 | -238,000,000 | -335,000,000 | -424,000,000 | -381,000,000 | -2,817,000,000 | 268,000,000 | 492,000,000 | 2,007,000,000 | 184,000,000 | 205,000,000 | 230,000,000 | 207,000,000 | 199,000,000 | 199,000,000 | 212,000,000 | 196,096,000 | 178,346,000 | 154,130,000 | 140,085,000 | 115,243,000 | 132,133,000 | 132,218,000 | 130,391,000 | 143,805,000 | 173,776,000 | 197,388,000 | 201,133,000 | 204,831,000 | 178,719,000 | 188,159,000 | 188,061,000 | 189,690,000 | 185,129,000 | 185,233,000 | 189,160,000 | |||
income tax expense | 11,000,000 | -50,000,000 | -55,000,000 | -101,000,000 | -54,000,000 | -112,000,000 | 61,000,000 | 79,000,000 | 1,000,000 | 12,000,000 | 53,000,000 | 59,000,000 | 52,000,000 | 49,000,000 | 50,000,000 | 60,000,000 | 50,500,000 | -11,318,000 | 38,360,000 | 34,738,000 | 14,915,000 | 30,959,000 | 33,172,000 | 33,145,000 | 36,451,000 | 60,043,000 | 72,089,000 | 74,673,000 | 74,922,000 | 64,031,000 | 68,900,000 | 69,373,000 | 74,436,000 | 66,454,000 | 66,980,000 | 65,984,000 | |||
net income | 21,000,000 | -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 | 152,000,000 | 145,596,000 | 189,664,000 | 115,770,000 | 105,347,000 | 100,328,000 | 101,174,000 | 99,046,000 | 97,246,000 | 107,354,000 | 113,733,000 | 125,299,000 | 126,460,000 | 129,909,000 | 114,688,000 | 119,259,000 | 118,688,000 | 115,254,000 | 118,675,000 | 118,253,000 | 123,176,000 | |||
yoy | -107.50% | -93.05% | -235.27% | -178.21% | -116.30% | -1672.67% | 36.18% | 141.52% | 1194.19% | 14.67% | 2.01% | 12.50% | 6.46% | -20.91% | 28.70% | 44.29% | 45.12% | 87.46% | 16.89% | 8.33% | -6.54% | -11.04% | -20.95% | -23.10% | -17.36% | -0.83% | 5.06% | 6.55% | 12.72% | -3.36% | 0.85% | -3.64% | |||||||
qoq | -32.86% | -13.31% | -1.22% | -87.91% | -1406.76% | -49.88% | -79.41% | 1066.28% | 13.16% | -11.11% | 10.32% | 3.33% | 0.67% | -1.97% | 4.40% | -23.23% | 63.83% | 9.89% | 5.00% | -0.84% | 2.15% | 1.85% | -9.42% | -5.61% | -9.23% | -0.92% | -2.65% | 13.27% | -3.83% | 0.48% | 2.98% | -2.88% | 0.36% | -4.00% | |||||
preferred stock dividends | 8,000,000 | 9,000,000 | 8,000,000 | 8,000,000 | 9,000,000 | 10,000,000 | 8,000,000 | 8,000,000 | 8,000,000 | 8,000,000 | 8,000,000 | 8,000,000 | 8,000,000 | 8,000,000 | 8,000,000 | 8,000,000 | 9,000,000 | 8,000,000 | 8,207,000 | 8,207,000 | 8,207,000 | 8,207,000 | 8,207,000 | 8,207,000 | 8,207,000 | 8,207,000 | 8,207,000 | ||||||||||||
net income attributable to common stockholders | 13,000,000 | -239,250,000 | -289,000,000 | ||||||||||||||||||||||||||||||||||||
basic earnings per common share | 30,000 | -330,000 | -790,000 | -1,140,000 | -450,000 | -3,780,000 | 270,000 | 550,000 | 2,880,000 | 300,000 | 310,000 | 340,000 | 310,000 | 300,000 | 300,000 | 300,000 | 290 | 390 | 230 | 210 | 200 | 200 | 190 | 190 | 200 | ||||||||||||||
diluted earnings per common share | 30,000 | -330,000 | -790,000 | -1,140,000 | -450,000 | -3,770,000 | 270,000 | 550,000 | 2,870,000 | 300,000 | 300,000 | 340,000 | 310,000 | 300,000 | 300,000 | 300,000 | 290 | 390 | 230 | 210 | 200 | 200 | 190 | 190 | 200 | ||||||||||||||
net return on mortgage servicing rights | -1,000,000 | 34,000,000 | 19,000,000 | 21,000,000 | 33,000,000 | 23,000,000 | 25,000,000 | 22,000,000 | |||||||||||||||||||||||||||||||
bargain purchase gain | -121,000,000 | -11,000,000 | 141,000,000 | 2,001,000,000 | |||||||||||||||||||||||||||||||||||
merger-related expenses | 17,000,000 | 67,000,000 | 60,000,000 | 4,000,000 | 4,000,000 | 7,000,000 | 7,000,000 | 6,000,000 | 10,000,000 | 6,472,000 | 2,211,000 | 1,250,000 | 1,213,000 | ||||||||||||||||||||||||||
(loss) before income taxes | -41,000,000 | -121,000,000 | |||||||||||||||||||||||||||||||||||||
income tax | -5,000,000 | -21,000,000 | |||||||||||||||||||||||||||||||||||||
net | -36,000,000 | -100,000,000 | |||||||||||||||||||||||||||||||||||||
net (loss) attributable to common stockholders | -45,000,000 | -108,000,000 | |||||||||||||||||||||||||||||||||||||
basic (loss) per common share | -110,000 | -260,000 | |||||||||||||||||||||||||||||||||||||
diluted (loss) per common share | -110,000 | -260,000 | |||||||||||||||||||||||||||||||||||||
net interest income after provision for credit loan losses | 331,000,000 | 316,000,000 | 268,000,000 | 167,000,000 | 309,000,000 | 188,000,000 | 820,000,000 | 851,000,000 | 255,000,000 | 324,000,000 | 350,000,000 | ||||||||||||||||||||||||||||
merger-related and restructuring expenses | 8,000,000 | 11,000,000 | 18,000,000 | 34,000,000 | 43,000,000 | 63,000,000 | 91,000,000 | 109,000,000 | |||||||||||||||||||||||||||||||
net (loss) on securities | -250,000 | -1,000,000 | |||||||||||||||||||||||||||||||||||||
other comprehensive income, net of tax: | |||||||||||||||||||||||||||||||||||||||
change in net unrealized loss on securities available for sale, net of tax of (71); 69; (40) and 84 | 28,250,000 | 206,000,000 | |||||||||||||||||||||||||||||||||||||
change in pension and post-retirement obligations, net of tax of 1; —; — and | -250,000 | 1,000,000 | |||||||||||||||||||||||||||||||||||||
change in net unrealized gain on cash flow hedges, net of tax of —; | 26,500,000 | -1,000,000 | |||||||||||||||||||||||||||||||||||||
reclassification adjustment for defined benefit pension plan, net of tax of (1); —; (1) and — | 500,000 | ||||||||||||||||||||||||||||||||||||||
reclassification adjustment for net gain on cash flow hedges included in net income, net of tax of 5; 2; 15 and 5 | -10,500,000 | -13,000,000 | |||||||||||||||||||||||||||||||||||||
total other comprehensive loss, net of tax | 44,500,000 | 193,000,000 | 3,000,000 | -18,000,000 | -43,750,000 | -153,000,000 | -13,000,000 | -129,250,000 | -149,000,000 | -96,638,000 | |||||||||||||||||||||||||||||
total comprehensive income, net of tax | -188,000,000 | -87,000,000 | -320,000,000 | -345,000,000 | -2,509,000,000 | 54,000,000 | 400,000,000 | 1,997,000,000 | 154,000,000 | 3,000,000 | 2,000,000 | -44,000,000 | 157,000,000 | 132,000,000 | 199,000,000 | 48,958,000 | 189,109,000 | 120,667,000 | 156,092,000 | 52,606,000 | 96,182,000 | 100,110,000 | 125,301,000 | 91,548,000 | 108,293,000 | 126,096,000 | 128,994,000 | 132,326,000 | 114,871,000 | 122,239,000 | 121,229,000 | 116,622,000 | 117,852,000 | 121,461,000 | 118,350,000 | ||||
net income available to common stockholders | -333,000,000 | -335,000,000 | -2,713,000,000 | 199,000,000 | 405,000,000 | 1,998,000,000 | 164,000,000 | 144,000,000 | 163,000,000 | 147,000,000 | |||||||||||||||||||||||||||||
change in net unrealized loss on securities available for sale, net of tax of 8; 36; 31 and 15 | -23,000,000 | ||||||||||||||||||||||||||||||||||||||
change in pension and post-retirement obligations, net of tax of 0; | -2,000,000 | ||||||||||||||||||||||||||||||||||||||
change in net unrealized gain on cash flow hedges, net of tax of | 39,000,000 | ||||||||||||||||||||||||||||||||||||||
reclassification adjustment for defined benefit pension plan, net of tax of 0; 1; 0 and 0 | 1,000,000 | ||||||||||||||||||||||||||||||||||||||
reclassification adjustment for net gain on cash flow hedges included in net income, net of tax of 4; 1; 10 and 3 | -12,000,000 | ||||||||||||||||||||||||||||||||||||||
goodwill impairment | |||||||||||||||||||||||||||||||||||||||
change in net unrealized loss on securities available for sale, net of tax of 23 and (21), respectively | -70,000,000 | ||||||||||||||||||||||||||||||||||||||
change in pension and post-retirement obligations, net of tax of (1) and —, respectively | |||||||||||||||||||||||||||||||||||||||
change in net unrealized gain on cash flow hedges, net of tax of (23) and 23, respectively | 68,000,000 | ||||||||||||||||||||||||||||||||||||||
reclassification adjustment for defined benefit pension plan, net of tax of — and (1), respectively | 1,000,000 | ||||||||||||||||||||||||||||||||||||||
reclassification adjustment for net gain on cash flow hedges included in net income, net of tax 6 and 2, respectively | -17,000,000 | ||||||||||||||||||||||||||||||||||||||
provision for (recovery of) credit losses | 70,250,000 | 62,000,000 | 49,000,000 | 20,601,000 | |||||||||||||||||||||||||||||||||||
other comprehensive loss, net of tax: | |||||||||||||||||||||||||||||||||||||||
change in net unrealized loss on securities available for sale, net of tax of 69; 67; 84 and 217, respectively | -59,250,000 | -195,000,000 | |||||||||||||||||||||||||||||||||||||
change in pension and post-retirement obligations, net of tax of —; —; (1) and —, respectively | 500,000 | ||||||||||||||||||||||||||||||||||||||
change in net unrealized gain on cash flow hedges, net of tax of (17); (11); (26) and (18), respectively | 18,000,000 | 47,000,000 | |||||||||||||||||||||||||||||||||||||
reclassification adjustment for defined benefit pension plan, net of tax of —; —; — and —, respectively | 500,000 | 1,000,000 | |||||||||||||||||||||||||||||||||||||
reclassification adjustment for net gain on cash flow hedges included in net income, net of tax 2; 1; 5 and (1), respectively | -3,500,000 | -6,000,000 | |||||||||||||||||||||||||||||||||||||
change in net unrealized loss on securities available for sale, net of tax of 36; 68; 15 and 150;, respectively | -102,000,000 | ||||||||||||||||||||||||||||||||||||||
change in pension and post-retirement obligations, net of tax of (1); 0; (1) and 0;, respectively | 1,000,000 | ||||||||||||||||||||||||||||||||||||||
change in net unrealized gain on cash flow hedges, net of tax of (32); (3); (9) and (7);, respectively | 92,000,000 | ||||||||||||||||||||||||||||||||||||||
reclassification adjustment for defined benefit pension plan, net of tax of 1; 0; 0 and 0;, respectively | |||||||||||||||||||||||||||||||||||||||
reclassification adjustment for net gain on cash flow hedges included in net income, net of tax 1; 0; 3 and (2);, respectively | -4,000,000 | ||||||||||||||||||||||||||||||||||||||
benefit from (recovery of) credit losses | 170,000,000 | ||||||||||||||||||||||||||||||||||||||
net interest income after benefit from credit loan losses | 385,000,000 | 334,000,000 | |||||||||||||||||||||||||||||||||||||
net gain on loan sales | 20,000,000 | ||||||||||||||||||||||||||||||||||||||
loan administration income | 7,000,000 | ||||||||||||||||||||||||||||||||||||||
net income on securities | -1,000,000 | ||||||||||||||||||||||||||||||||||||||
change in net unrealized gain on securities available for sale, net of tax of (21); 6; and 82;, respectively | 60,000,000 | ||||||||||||||||||||||||||||||||||||||
change in pension and post-retirement obligations, net of tax of 0; 6; and 0;, respectively | 1,000,000 | ||||||||||||||||||||||||||||||||||||||
change in net unrealized gain on cash flow hedges, net of tax of 23; ; and ;, respectively | -67,000,000 | ||||||||||||||||||||||||||||||||||||||
reclassification adjustment for defined benefit pension plan, net of tax of ; 0; and 0;, respectively | 1,000,000 | ||||||||||||||||||||||||||||||||||||||
reclassification adjustment for net gain on cash flow hedges included in net income, net of tax 2; 2; and ;, respectively | -4,000,000 | ||||||||||||||||||||||||||||||||||||||
total other comprehensive income, net of tax | -9,000,000 | -169,000,000 | -199,000,000 | -555,000 | 4,897,000 | 50,745,000 | -47,722,000 | -4,992,000 | 1,064,000 | 28,055,000 | -15,806,000 | -5,440,000 | 797,000 | 2,534,000 | 2,417,000 | 183,000 | 2,980,000 | 2,541,000 | 1,368,000 | -823,000 | 3,208,000 | ||||||||||||||||||
three months ended march 31, 2023 | |||||||||||||||||||||||||||||||||||||||
balance at december 31, 2022 | 681,217,334,000,000 | ||||||||||||||||||||||||||||||||||||||
issuance and exercise of fdic equity appreciation instrument | 39,032,006,000,000 | ||||||||||||||||||||||||||||||||||||||
shares issued for restricted stock, net of forfeitures | 2,877,411,000,000 | ||||||||||||||||||||||||||||||||||||||
compensation expense related to restricted stock awards | |||||||||||||||||||||||||||||||||||||||
dividends paid on common stock | |||||||||||||||||||||||||||||||||||||||
dividends paid on preferred stock | |||||||||||||||||||||||||||||||||||||||
purchase of common stock | -976,454,000,000 | ||||||||||||||||||||||||||||||||||||||
other comprehensive loss, net of tax | |||||||||||||||||||||||||||||||||||||||
balance at march 31, 2023 | 722,150,297,000,000 | ||||||||||||||||||||||||||||||||||||||
three months ended march 31, 2022 | |||||||||||||||||||||||||||||||||||||||
balance at march 31, 2022 | 467,024,144,000,000 | ||||||||||||||||||||||||||||||||||||||
net loss on securities | -500,000 | -1,000,000 | |||||||||||||||||||||||||||||||||||||
change in net unrealized gain on securities available-for-sale, net of tax of 67; 9; 217 and 34, respectively | -141,750,000 | -176,000,000 | |||||||||||||||||||||||||||||||||||||
change in pension and post-retirement obligations, net of tax of 0; 0; 0 and (1), respectively | -250,000 | -1,000,000 | |||||||||||||||||||||||||||||||||||||
change in net unrealized gain on cash flow hedges, net of tax of (11); 0; (18) and 0, respectively | 11,500,000 | 28,000,000 | |||||||||||||||||||||||||||||||||||||
less: reclassification adjustment for sales of available-for-sale securities, net of tax of 0; 0; 0 and 0, respectively | |||||||||||||||||||||||||||||||||||||||
reclassification adjustment for defined benefit pension plan, net of tax of 0; 0; 0 and (1), respectively | 500,000 | 1,000,000 | |||||||||||||||||||||||||||||||||||||
reclassification adjustment for net gain on cash flow hedges included in net income, net of tax 1; (2); (1) and (4), respectively | 750,000 | -2,000,000 | |||||||||||||||||||||||||||||||||||||
change in net unrealized gain on securities available-for-sale, net of tax of 68; (16); 150 and 25, respectively | -176,000,000 | ||||||||||||||||||||||||||||||||||||||
change in net unrealized gain on cash flow hedges, net of tax of (3); 0; (7) and (1), respectively | 6,000,000 | ||||||||||||||||||||||||||||||||||||||
reclassification adjustment for defined benefit pension plan, net of tax of 0; (1); 0 and (1), respectively | 1,000,000 | ||||||||||||||||||||||||||||||||||||||
reclassification adjustment for net gain on cash flow hedges included in net income, net of tax 0; (2); (2) and (3), respectively | 1,000,000 | ||||||||||||||||||||||||||||||||||||||
benefit from credit losses | -2,000,000 | 3,569,000 | 11,036,000 | 13,016,000 | 17,574,000 | ||||||||||||||||||||||||||||||||||
change in net unrealized gain on securities available-for-sale, net of tax of 82; and 41, respectively | -215,000,000 | ||||||||||||||||||||||||||||||||||||||
change in pension and post-retirement obligations, net of tax of 0; and , respectively | |||||||||||||||||||||||||||||||||||||||
change in net unrealized gain on cash flow hedges, net of tax of and , respectively | 12,000,000 | ||||||||||||||||||||||||||||||||||||||
less: reclassification adjustment for sales of available-for-sale securities, net of tax of 0; and 0, respectively | |||||||||||||||||||||||||||||||||||||||
reclassification adjustment for defined benefit pension plan, net of tax of 0; and 0, respectively | |||||||||||||||||||||||||||||||||||||||
reclassification adjustment for net gain on cash flow hedges included in net income, net of tax ; and , respectively | 4,000,000 | ||||||||||||||||||||||||||||||||||||||
(recovery of) provision for credit losses | -250,000 | -1,000,000 | |||||||||||||||||||||||||||||||||||||
net interest income after (recovery of) provision for credit losses | 242,000,000 | 319,000,000 | |||||||||||||||||||||||||||||||||||||
net gain on securities | -483,000 | 128,000 | -284,000 | 887,000 | 534,000 | -30,000 | 275,000 | 493,000 | -303,000 | ||||||||||||||||||||||||||||||
total operating expenses | 97,500,000 | 129,000,000 | 129,000,000 | 138,142,000 | 163,733,000 | 158,932,000 | 159,055,000 | 156,389,000 | 146,028,000 | 155,252,000 | 145,754,000 | 144,002,000 | 151,675,000 | 145,018,000 | 139,317,000 | ||||||||||||||||||||||||
net income available to common shareholders | 105,250,000 | 140,000,000 | 144,000,000 | 137,389,000 | 181,457,000 | 107,563,000 | 97,140,000 | 92,121,000 | 92,967,000 | 90,839,000 | 89,039,000 | 99,147,000 | |||||||||||||||||||||||||||
other comprehensive gain, net of tax: | |||||||||||||||||||||||||||||||||||||||
change in net unrealized gain on securities available for sale, net of tax of 9; 0; 34 and (16) respectively | -22,250,000 | -23,000,000 | |||||||||||||||||||||||||||||||||||||
change in pension and post-retirement obligations, net of tax of 0; 0; (1) and 0, respectively | 750,000 | 1,000,000 | |||||||||||||||||||||||||||||||||||||
change in net unrealized gain on cash flow hedges, net of tax of 0; 1; 0 and 16, respectively | 250,000 | -2,000,000 | |||||||||||||||||||||||||||||||||||||
reclassification adjustment for defined benefit pension plan, net of tax of 0; 0; (1) and (1), respectively | 1,000,000 | 1,000,000 | |||||||||||||||||||||||||||||||||||||
reclassification adjustment for net gain on cash flow hedges included in net income, net of tax of (2); (1); (4) and (2), respectively | 3,500,000 | 6,000,000 | |||||||||||||||||||||||||||||||||||||
total other comprehensive gain, net of tax | -16,750,000 | -17,000,000 | 47,000,000 | ||||||||||||||||||||||||||||||||||||
(recovery of) benefit from credit losses | -4,000,000 | ||||||||||||||||||||||||||||||||||||||
net interest income after (recovery of) benefit from credit losses | 335,000,000 | ||||||||||||||||||||||||||||||||||||||
change in net unrealized gain on securities available for sale, net of tax of (16); (20); 25 and (16) respectively | 42,000,000 | ||||||||||||||||||||||||||||||||||||||
change in pension and post-retirement obligations, net of tax of 0; 0; and 0, respectively | -1,000,000 | ||||||||||||||||||||||||||||||||||||||
change in net unrealized gain on cash flow hedges, net of tax of 0; 2; and 16, respectively | |||||||||||||||||||||||||||||||||||||||
reclassification adjustment for defined benefit pension plan, net of tax of ; 0; and , respectively | 2,000,000 | ||||||||||||||||||||||||||||||||||||||
reclassification adjustment for net gain on cash flow hedges included in net income, net of tax of ; 0; and 0, respectively | 4,000,000 | ||||||||||||||||||||||||||||||||||||||
net interest income after benefit from credit losses | 314,090,000 | 185,258,250 | 268,870,000 | 248,298,000 | |||||||||||||||||||||||||||||||||||
change in net unrealized loss on securities available for sale, net of tax of 41,123 and 4,611, respectively | -108,689,000 | ||||||||||||||||||||||||||||||||||||||
change in pension and post-retirement obligations, net of tax of (1,238) and (19), respectively | 3,271,000 | ||||||||||||||||||||||||||||||||||||||
change in net unrealized gain on cash flow hedges, net of tax of (1,245) and 13,397, respectively | 3,287,000 | ||||||||||||||||||||||||||||||||||||||
less: reclassification adjustment for sales of available-for-sale securities, net of tax of 0; 206, respectively | |||||||||||||||||||||||||||||||||||||||
reclassification adjustment for defined benefit pension plan, net of tax of (462), (487), respectively | 1,219,000 | ||||||||||||||||||||||||||||||||||||||
reclassification adjustment for net gain on cash flow hedges included in net income, net of tax of (1,617) and 178, respectively | 4,274,000 | ||||||||||||||||||||||||||||||||||||||
change in net unrealized gain on securities available for sale, net of tax of (444); 666; (16,237) and (22,434), respectively | 10,702,250 | 1,170,000 | |||||||||||||||||||||||||||||||||||||
change in pension and post-retirement obligations, net of tax of (18); ; (54) and (33), respectively | 34,500 | 46,000 | |||||||||||||||||||||||||||||||||||||
change in net unrealized gain on cash flow hedges, net of tax of 520 and 16,212 | -10,681,000 | -1,373,000 | |||||||||||||||||||||||||||||||||||||
less: reclassification adjustment for sales of available-for-sale securities, net of tax of (14); 0; 188 and 1,527, respectively | -123,750 | 37,000 | |||||||||||||||||||||||||||||||||||||
reclassification adjustment for defined benefit pension plan, net of tax of (488); (708); (1,464) and (2,098), respectively | 965,250 | 1,287,000 | |||||||||||||||||||||||||||||||||||||
reclassification adjustment for net gain on cash flow hedges included in net income, net of tax of | 1,082,750 | 3,730,000 | 1,068,000 | ||||||||||||||||||||||||||||||||||||
change in net unrealized gain on securities available for sale, net of tax of (20,404); (10,232); (15,793) and (23,100), respectively | 53,796,000 | ||||||||||||||||||||||||||||||||||||||
change in pension and post-retirement obligations, net of tax of (18); (15); (36) and (31), respectively | 47,000 | ||||||||||||||||||||||||||||||||||||||
change in net unrealized gain on cash flow hedges, net of tax of 2,295 and 15,692 | -5,463,000 | ||||||||||||||||||||||||||||||||||||||
less: reclassification adjustment for sales of available-for-sale securities, net of tax of ; 10; 202 and 1,527, respectively | 11,000 | ||||||||||||||||||||||||||||||||||||||
reclassification adjustment for defined benefit pension plan, net of tax of (488); (695); (976) and (1,390), respectively | 1,286,000 | ||||||||||||||||||||||||||||||||||||||
net interest income after provision for (recovery of) credit losses | 223,866,000 | ||||||||||||||||||||||||||||||||||||||
change in net unrealized gain on securities available for sale, net of tax of 4,611; and (12,868), respectively | -12,157,000 | ||||||||||||||||||||||||||||||||||||||
change in pension and post-retirement obligations, net of tax of (19); and (16), respectively | 45,000 | ||||||||||||||||||||||||||||||||||||||
change in net unrealized gain on cash flow hedges, net of tax of 13,397 | -35,888,000 | ||||||||||||||||||||||||||||||||||||||
less: reclassification adjustment for sales of available-for-sale securities, net of tax of 206; and 1,517, respectively | -543,000 | ||||||||||||||||||||||||||||||||||||||
reclassification adjustment for net gain on cash flow hedges included in net income, net of tax of 178 | -467,000 | ||||||||||||||||||||||||||||||||||||||
reclassification adjustment for defined benefit pension plan, net of tax of (487) and (695), respectively | 1,288,000 | ||||||||||||||||||||||||||||||||||||||
mortgage and other loans and leases | 393,660,000 | 391,920,000 | 387,634,000 | ||||||||||||||||||||||||||||||||||||
provision for losses on loans | 1,350,750 | 4,781,000 | |||||||||||||||||||||||||||||||||||||
net interest income after provision for loan losses | 177,381,750 | 231,134,000 | |||||||||||||||||||||||||||||||||||||
change in net unrealized gain on securities available for sale, net of tax of 666; 8,738; (22,434) and 40,456, respectively | 14,564,000 | -757,000 | |||||||||||||||||||||||||||||||||||||
change in the non-credit portion of otti losses recognized in other comprehensive income, net of tax of 0; 0; 0; and (821), respectively | |||||||||||||||||||||||||||||||||||||||
change in pension and post-retirement obligations, net of tax of (710); (547); (2,131) and (11,611), respectively | 1,366,000 | 1,821,000 | |||||||||||||||||||||||||||||||||||||
less: reclassification adjustment for sales of available-for-sale securities, net of tax of 0; 0; 1,527 and 0 respectively | -979,500 | ||||||||||||||||||||||||||||||||||||||
benefit from losses on loans | 1,844,000 | ||||||||||||||||||||||||||||||||||||||
net interest income after benefit from loan losses | 235,846,000 | 265,674,000 | 273,414,000 | ||||||||||||||||||||||||||||||||||||
change in net unrealized gain on securities available for sale, net of tax of (10,232); 7,111; (23,100) and 31,718, respectively | 26,258,000 | ||||||||||||||||||||||||||||||||||||||
change in pension and post-retirement obligations, net of tax of (710); (547); (1,421) and (11,064), respectively | 1,823,000 | ||||||||||||||||||||||||||||||||||||||
less: reclassification adjustment for sales of available-for-sale securities, net of tax of 10; 0; 1,527 and 0, respectively | -26,000 | ||||||||||||||||||||||||||||||||||||||
mortgage and other loans | 368,456,000 | 372,883,000 | 367,932,000 | 370,482,000 | 360,723,000 | 357,916,000 | 364,504,000 | 350,557,000 | 345,530,000 | 366,999,000 | 398,184,000 | 415,942,000 | |||||||||||||||||||||||||||
provision for losses on non-covered loans | 4,714,000 | ||||||||||||||||||||||||||||||||||||||
recovery of losses on covered loans | -1,659,000 | -1,289,000 | -8,516,000 | ||||||||||||||||||||||||||||||||||||
net interest income after provision for (recovery of) loan losses | 259,241,000 | ||||||||||||||||||||||||||||||||||||||
mortgage banking income | 3,261,000 | 12,925,000 | 6,957,000 | 4,138,000 | 7,474,000 | 18,406,000 | 15,291,000 | 14,610,000 | 26,109,000 | 35,165,000 | 19,938,000 | ||||||||||||||||||||||||||||
fdic indemnification expense | -1,327,000 | -1,031,000 | -6,813,000 | ||||||||||||||||||||||||||||||||||||
amortization of core deposit intangibles | 397,000 | 542,000 | 606,000 | 846,000 | 1,280,000 | 1,584,000 | 2,082,000 | 2,323,000 | 4,421,000 | 5,159,000 | 7,385,000 | ||||||||||||||||||||||||||||
change in net unrealized gain/loss on securities available for sale, net of tax of 7,111; (38,189); 31,718; and (38,542), respectively | -17,119,000 | ||||||||||||||||||||||||||||||||||||||
change in the non-credit portion of otti losses recognized in other comprehensive income, net of tax of 0; 0; (821); and (13), respectively | |||||||||||||||||||||||||||||||||||||||
change in pension and post-retirement obligations, net of tax of (547); (869); (11,064) and (1,741), respectively | 1,313,000 | ||||||||||||||||||||||||||||||||||||||
less: reclassification adjustment for sales of available-for-sale securities, net of tax of 770 | |||||||||||||||||||||||||||||||||||||||
now and money market accounts | 16,395,000 | 15,866,000 | 15,286,000 | 14,619,000 | 11,770,000 | 11,052,000 | 9,371,000 | 8,396,000 | 9,175,000 | 8,733,000 | 11,154,000 | ||||||||||||||||||||||||||||
benefit from (recovery of) losses on non-covered loans | 1,674,750 | 1,234,000 | |||||||||||||||||||||||||||||||||||||
net interest income after benefit from (recoveries of) loan losses | 242,799,500 | 318,478,000 | |||||||||||||||||||||||||||||||||||||
net gain on sales of loans | 688,000 | 3,465,000 | 5,878,000 | ||||||||||||||||||||||||||||||||||||
net gain on sales of securities | 2,934,000 | 237,000 | 13,000 | 163,000 | 140,000 | 211,000 | 262,000 | 4,873,000 | 718,000 | 9,992,000 | |||||||||||||||||||||||||||||
other income | 7,696,750 | 9,330,000 | 11,237,000 | 15,995,000 | 20,904,000 | 17,817,000 | 20,647,000 | 9,877,000 | 13,193,000 | 6,770,000 | 9,892,000 | ||||||||||||||||||||||||||||
change in net unrealized gain/loss on securities available for sale, net of tax of 396; 759; 1,186; and 892, respectively | 421,000 | -558,000 | |||||||||||||||||||||||||||||||||||||
change in the non-credit portion of otti losses recognized in other comprehensive income, net of tax of 12; 11; 36; and 33, respectively | 14,250 | 19,000 | |||||||||||||||||||||||||||||||||||||
change in pension and post-retirement obligations, net of tax of 946; 879; 2,837; and 2,638, respectively | 1,001,750 | 1,336,000 | |||||||||||||||||||||||||||||||||||||
basic earnings per share | 0.23 | 0.26 | 0.26 | 0.27 | 0.26 | 0.27 | 0.27 | 0.26 | 0.27 | 0.27 | 0.28 | ||||||||||||||||||||||||||||
diluted earnings per share | 0.23 | 0.26 | 0.26 | 0.27 | 0.26 | 0.27 | 0.27 | 0.26 | 0.27 | 0.27 | 0.28 | ||||||||||||||||||||||||||||
provision for (recovery of) losses on non-covered loans | 2,744,000 | 2,721,000 | |||||||||||||||||||||||||||||||||||||
(recovery of) provision for losses on covered loans | -1,849,000 | -2,897,000 | |||||||||||||||||||||||||||||||||||||
net interest income after provisions for (recoveries of) loan losses | 324,678,000 | ||||||||||||||||||||||||||||||||||||||
fdic indemnification income | -1,479,000 | -2,318,000 | 702,000 | 150,000 | -11,704,000 | 3,602,000 | |||||||||||||||||||||||||||||||||
change in net unrealized gain/loss on securities available for sale, net of tax of 836; 1,294; 1,582; and 133, respectively | 1,180,000 | ||||||||||||||||||||||||||||||||||||||
change in the non-credit portion of otti losses recognized in other comprehensive income, net of tax of 12; 11; 24; and 22, respectively | 19,000 | ||||||||||||||||||||||||||||||||||||||
change in pension and post-retirement obligations, net of tax of 946; 915; 1,891; and 1,759, respectively | 1,335,000 | ||||||||||||||||||||||||||||||||||||||
net interest income after provisions for (recoveries) loan losses | 328,042,000 | ||||||||||||||||||||||||||||||||||||||
change in net unrealized gain on securities available for sale, net of tax of 746 and 1,161, respectively | 1,062,000 | ||||||||||||||||||||||||||||||||||||||
change in the non-credit portion of otti losses recognized in other comprehensive income, net of tax of 12 and 11, respectively | 19,000 | ||||||||||||||||||||||||||||||||||||||
change in pension and post-retirement obligations, net of tax of 945 and 844, respectively | 1,336,000 | ||||||||||||||||||||||||||||||||||||||
recovery of losses on non-covered loans | -512,000 | -870,000 | |||||||||||||||||||||||||||||||||||||
net interest income after recoveries of loan losses | 288,440,000 | ||||||||||||||||||||||||||||||||||||||
gain on visa shares sold | 3,856,000 | ||||||||||||||||||||||||||||||||||||||
change in net unrealized gain/loss on securities available for sale, net of tax of 759; 292; 892; and 3,696, respectively | -1,047,000 | ||||||||||||||||||||||||||||||||||||||
change in the non-credit portion of otti losses recognized in other comprehensive income, net of tax of 11; 110; 33; and 132, respectively | 18,000 | ||||||||||||||||||||||||||||||||||||||
change in pension and post-retirement obligations, net of tax of 879; 357; 2,638; and 1,070, respectively | 1,212,000 | ||||||||||||||||||||||||||||||||||||||
less: reclassification adjustment for sales of available-for-sale securities, net of tax of 73 and 2,146, respectively | |||||||||||||||||||||||||||||||||||||||
benefit from (recovery of) losses on covered loans | 877,000 | 188,000 | |||||||||||||||||||||||||||||||||||||
net interest income after (recoveries of) provisions for loan losses | 292,761,000 | ||||||||||||||||||||||||||||||||||||||
change in net unrealized gain on securities available for sale, net of tax of 1,161 and 2,529, respectively | 1,715,000 | ||||||||||||||||||||||||||||||||||||||
change in the non-credit portion of otti losses recognized in other comprehensive income, net of tax of 11 and 11, respectively | 17,000 | ||||||||||||||||||||||||||||||||||||||
change in pension and post-retirement obligations, net of tax of 844 and 357, respectively | 1,248,000 | ||||||||||||||||||||||||||||||||||||||
less: reclassification adjustment for sales of available-for-sale securities, net of tax of 1,969 | |||||||||||||||||||||||||||||||||||||||
benefit from losses on non-covered loans | 5,000,000 | 15,000,000 | 26,000,000 | ||||||||||||||||||||||||||||||||||||
net interest income after provisions for (recovery of) loan losses | 283,304,000 | ||||||||||||||||||||||||||||||||||||||
change in net unrealized gain/loss on securities available for sale, net of tax of 1,459; 2,845; 3,988; and 2,382, respectively | 2,156,000 | ||||||||||||||||||||||||||||||||||||||
change in the non-credit portion of otti losses recognized in other comprehensive income, net of tax of 11; 4,768; 22; and 4,785, respectively | 17,000 | ||||||||||||||||||||||||||||||||||||||
change in pension and post-retirement obligations, net of tax of 356; 1,008; 713; and 2,016, respectively | 526,000 | ||||||||||||||||||||||||||||||||||||||
less: reclassification adjustment for sales of available-for-sale securities, net of tax of 104; 50; 2,073; and 2,098, respectively | -158,000 | ||||||||||||||||||||||||||||||||||||||
(recovery of) benefit from losses on covered loans | -14,630,000 | ||||||||||||||||||||||||||||||||||||||
net interest income after (recovery of) benefit from loan losses | 298,780,000 | ||||||||||||||||||||||||||||||||||||||
change in net unrealized gain on securities available for sale, net of tax of 2,529 and 463, respectively | 3,729,000 | ||||||||||||||||||||||||||||||||||||||
change in the non-credit portion of otti losses recognized in other comprehensive income, net of tax of 11 and 17, respectively | 17,000 | ||||||||||||||||||||||||||||||||||||||
change in pension and post-retirement obligations, net of tax of 357 and 1,008, respectively | 526,000 | ||||||||||||||||||||||||||||||||||||||
less: reclassification adjustment for sales of available-for-sale securities, net of tax of 1,969 and 2,048, respectively | -2,904,000 | ||||||||||||||||||||||||||||||||||||||
benefit from losses on covered loans | 4,502,000 | ||||||||||||||||||||||||||||||||||||||
gain on sales of securities | 16,622,000 | ||||||||||||||||||||||||||||||||||||||
change in net unrealized gains and losses on securities available for sale, net of tax of 463 and 1,377, respectively | 685,000 | ||||||||||||||||||||||||||||||||||||||
amortization of the non-credit portion of otti losses recognized in other comprehensive income, net of tax of 17 and 15, respectively | 28,000 | ||||||||||||||||||||||||||||||||||||||
change in pension and post-retirement obligations, net of tax of 1,008 and 1,042, respectively | 1,486,000 | ||||||||||||||||||||||||||||||||||||||
less: reclassification adjustment for sales of available-for-sale securities, net of tax of 2,048 and 275, respectively | -3,022,000 | ||||||||||||||||||||||||||||||||||||||
change in net unrealized gain/loss on securities available for sale, net of tax of 1,377 and 2,578, respectively | 2,091,000 | ||||||||||||||||||||||||||||||||||||||
amortization of the non-credit portion of otti losses recognized in other comprehensive income, net of tax of 15 and 14, respectively | 23,000 | ||||||||||||||||||||||||||||||||||||||
change in pension and post-retirement obligations, net of tax of 1,042 and 501, respectively | 1,537,000 | ||||||||||||||||||||||||||||||||||||||
less: reclassification adjustment for sales of available for sale securities, net of tax of 275 and 1,178, respectively | -443,000 | ||||||||||||||||||||||||||||||||||||||
net interest income after provisions for loan losses | 277,252,000 | ||||||||||||||||||||||||||||||||||||||
total loss on otti of securities | |||||||||||||||||||||||||||||||||||||||
less: non-credit portion of otti recorded in other comprehensive income | |||||||||||||||||||||||||||||||||||||||
net income on otti recognized in earnings | |||||||||||||||||||||||||||||||||||||||
gain on debt repurchase | |||||||||||||||||||||||||||||||||||||||
net change in unrealized losses on securities and non-credit portion of otti losses on securities | -5,570,000 | ||||||||||||||||||||||||||||||||||||||
change in pension and post-retirement obligations | 744,000 |
Balance Sheets:
Quarterly
Annual
| Unit: USD | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-06-30 | 2024-03-31 | 2023-12-31 | 2023-09-30 | 2023-06-30 | 2023-03-31 | 2022-12-31 | 2022-09-30 | 2022-06-30 | 2022-03-31 | 2021-12-31 | 2021-09-30 | 2021-06-30 | 2021-03-31 | 2020-12-31 | 2020-09-30 | 2020-06-30 | 2020-03-31 | 2019-12-31 | 2019-09-30 | 2019-06-30 | 2019-03-31 | 2018-12-31 | 2018-06-30 | 2018-03-31 | 2016-12-31 | 2015-03-31 | 2014-06-30 | 2014-03-31 | 2012-03-31 | 2011-03-31 | 2010-12-31 | 2010-03-26 | 2009-12-04 | 2009-09-30 | 2009-06-30 | 2007-04-02 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
assets: | ||||||||||||||||||||||||||||||||||||||||||
cash and cash equivalents | 8,484,000,000 | 8,094,000,000 | 12,614,000,000 | 15,430,000,000 | 23,080,000,000 | 18,990,000,000 | 12,890,000,000 | 11,475 | 6,929,000,000 | 15,806,000,000 | 22,250,000,000 | 2,032,000,000 | 2,211,000,000 | 2,522,000,000 | 2,086,000,000 | 2,722,915,000 | 1,947,931,000 | 1,458,641,000 | 1,404,527,000 | 854,678,000 | 1,228,295,000 | 990,019,000 | 2,204,397,000 | 268,077,226,807,722,660,000,000 | 557,850,000 | 582,558,582,558,582,500,000 | 668,950,668,950,669,000,000 | 672,872,672,872,672,900,000 | 2,355,784,000 | 23,517,292,351,729,000 | 1,927,542,000 | 4,021,454,000 | 153,838,153,838,000 | 162,764,162,764,000 | ||||||||
securities: | ||||||||||||||||||||||||||||||||||||||||||
debt securities available-for-sale | 15,052,000,000 | 14,823,000,000 | 12,826,000,000 | 10,402,000,000 | 10,511,000,000 | 10,535,000,000 | 9,336,000,000 | 9,145 | 8,723,000,000 | 9,060,000,000 | 6,689,000,000 | 5,664,000,000 | 5,612,000,000 | 5,780,000,000 | 5,898,000,000 | 6,077,000,000 | 6,177,905,000 | 5,813,333,000 | 5,233,744,000 | 5,168,182,000 | 5,854,568,000 | 5,738,146,000 | 5,724,644,000 | 4,122,883,000 | ||||||||||||||||||
equity investments with readily determinable fair values, at fair value | 55,000,000 | 14,000,000 | 14,000,000 | 14,000,000 | 14,000,000 | 14,000,000 | 14,000,000 | 14 | 13,000,000 | 14,000,000 | 14,000,000 | 14,000,000 | 14,000,000 | 14,000,000 | 15,000,000 | 16,000,000 | 16,000,000 | 16,000,000 | 15,801,000 | 31,576,000 | 31,448,000 | 33,518,000 | 32,861,000 | 32,585,000 | 32,128,000 | 31,766,000 | ||||||||||||||||
total securities | 15,107,000,000 | 14,837,000,000 | 12,840,000,000 | 10,416,000,000 | 9,159 | 8,736,000,000 | 7,796,000,000 | 7,613,000,000 | 9,074,000,000 | 6,703,000,000 | 5,678,000,000 | 5,627,000,000 | 5,796,000,000 | 5,914,000,000 | 6,093,000,000 | 6,193,706,000 | 5,844,909,000 | 5,265,192,000 | 5,201,700,000 | 5,887,429,000 | 5,770,731,000 | 5,756,772,000 | 4,154,649,000 | 3,817,057,000 | 4,788,891,000 | 760,016,000 | ||||||||||||||||
loans held for sale | 535,000,000 | 319,000,000 | 531,000,000 | 899,000,000 | 1,851,000,000 | 7,845,000,000 | 981,000,000 | 1,182 | 1,926,000,000 | 2,194,000,000 | 141,435,000 | 117,136,000 | 117,272,000 | 103,362,000 | ||||||||||||||||||||||||||||
loans and leases held for investment, net of deferred loan fees and costs | 62,661,000,000 | 64,121,000,000 | 66,592,000,000 | 68,272,000,000 | 71,116,000,000 | 74,552,000,000 | 82,327,000,000 | 84,619 | 83,995,000,000 | 83,278,000,000 | 82,547,000,000 | 69,001,000,000 | 48,984,000,000 | 48,537,000,000 | 46,758,000,000 | 45,738,000,000 | 43,687,000,000 | 43,575,000,000 | 43,125,139,000 | 42,883,598,000 | 42,829,219,000 | 42,306,187,000 | ||||||||||||||||||||
less: allowance for credit losses on loans and leases, held for investment | -1,071,000,000 | -1,106,000,000 | -1,168,000,000 | |||||||||||||||||||||||||||||||||||||||
total loans and leases held for investment | 61,590,000,000 | 63,015,000,000 | 65,424,000,000 | 67,071,000,000 | 69,852,000,000 | 73,284,000,000 | 81,112,000,000 | 83,627 | 83,376,000,000 | 82,684,000,000 | 81,997,000,000 | 68,608,000,000 | 43,487,000,000 | 43,373,000,000 | 42,927,381,000 | 42,640,912,000 | 42,131,900,000 | |||||||||||||||||||||||||
federal home loan bank stock and federal reserve bank stock, at cost | 1,018,000,000 | 1,017,000,000 | 1,061,000,000 | 1,146,000,000 | 1,364,000,000 | 1,565,000,000 | 1,550,000,000 | 1,392 | 1,110,000,000 | 1,136,000,000 | 1,356,000,000 | |||||||||||||||||||||||||||||||
premises and equipment | 464,000,000 | 474,000,000 | 486,000,000 | 562,000,000 | 649,000,000 | 691,000,000 | 679,000,000 | 652 | 638,000,000 | 660,000,000 | 628,000,000 | 491,000,000 | 250,000,000 | 252,000,000 | 266,000,000 | 270,000,000 | 274,000,000 | 278,000,000 | 282,407,000 | 287,447,000 | 289,788,000 | 297,180,000 | 321,792,000 | 327,788,000 | 332,721,000 | 359,725,000 | 373,675,000 | 233,694,000 | ||||||||||||||
core deposit and other intangibles | 407,000,000 | 433,000,000 | 459,000,000 | 488,000,000 | 519,000,000 | 557,000,000 | 590,000,000 | 625 | 661,000,000 | 697,000,000 | 734,000,000 | 287,000,000 | ||||||||||||||||||||||||||||||
bank-owned life insurance | 1,633,000,000 | 1,625,000,000 | 1,615,000,000 | 1,605,000,000 | 1,595,000,000 | 1,586,000,000 | 1,586,000,000 | 1,580 | 1,576,000,000 | 1,567,000,000 | 1,564,000,000 | 1,561,000,000 | 1,200,000,000 | 1,192,000,000 | 1,186,000,000 | 1,184,000,000 | 1,178,000,000 | 1,171,000,000 | 1,165,765,000 | 1,164,196,000 | 1,159,036,000 | 1,156,137,000 | 1,028,707,000 | 987,528,000 | 982,267,000 | 971,795,000 | 949,026,000 | 742,481,000 | ||||||||||||||
other assets | 2,430,000,000 | 2,423,000,000 | 2,598,000,000 | 2,517,000,000 | 3,301,000,000 | 2,866,000,000 | 3,070,000,000 | 3,254 | 2,717,000,000 | 2,799,000,000 | 2,799,000,000 | 2,250,000,000 | 1,054,000,000 | 1,074,000,000 | 1,110,000,000 | 1,110,000,000 | 1,144,000,000 | 1,092,000,000 | 827,571,000 | 839,380,000 | 596,011,000 | 532,731,000 | 404,840,000 | 407,492,000 | 359,602,000 | 383,659,000 | 387,413,000 | 592,013,000 | 275,827,000 | |||||||||||||
total assets | 91,668,000,000 | 92,237,000,000 | 97,628,000,000 | 100,160,000,000 | 114,367,000,000 | 119,055,000,000 | 112,900,000,000 | 114,057 | 111,230,000,000 | 118,796,000,000 | 123,706,000,000 | 90,144,000,000 | 62,956,000,000 | 63,093,000,000 | 61,005,000,000 | 59,527,000,000 | 57,890,000,000 | 57,469,000,000 | 57,656,892,000 | 56,306,120,000 | 54,931,755,000 | 54,210,416,000 | 52,109,095,000 | 52,537,629,000 | 52,776,253,000 | 52,131,046,000 | 50,213,340,000 | 50,469,170,000 | 48,926,555,000 | 41,190,689,000 | ||||||||||||
liabilities and stockholders' equity: | ||||||||||||||||||||||||||||||||||||||||||
deposits: | ||||||||||||||||||||||||||||||||||||||||||
interest-bearing checking and money market accounts | 20,045,000,000 | 19,067,000,000 | 20,809,000,000 | 20,780,000,000 | 21,680,000,000 | 21,740,000,000 | 22,172,000,000 | 30,700 | 31,087,000,000 | 30,795,000,000 | 32,146,000,000 | 22,511,000,000 | 19,897,000,000 | 19,189,000,000 | 16,360,000,000 | 13,209,000,000 | 13,028,000,000 | 12,803,000,000 | 12,665,002,000 | 12,610,073,000 | 11,693,982,000 | 11,141,163,000 | 105,972,851,743,471,660 | 9,960,403,000 | 10,770,360,000 | 11,482,591,000 | 120,332,131,679,721,400 | 11,830,315,000 | ||||||||||||||
savings accounts | 14,782,000,000 | 14,460,000,000 | 14,465,000,000 | 14,282,000,000 | 13,510,000,000 | 10,638,000,000 | 8,171,000,000 | 8,773 | 9,415,000,000 | 9,762,000,000 | 10,302,000,000 | 11,645,000,000 | 8,860,000,000 | 9,580,000,000 | 9,272,000,000 | 8,892,000,000 | 7,979,000,000 | 7,890,000,000 | 7,043,602,000 | 6,415,608,000 | 5,964,981,000 | 5,624,999,000 | 4,737,423,357,050,750 | 4,817,697,000 | 4,800,023,000 | 4,760,877,000 | 4,902,728,289,940,590 | 4,920,967,000 | 5,280,374,000 | 3,885,785,000 | 878,365,000 | |||||||||||
certificates of deposit | 22,369,000,000 | 24,212,000,000 | 25,887,000,000 | 27,324,000,000 | 29,251,000,000 | 28,780,000,000 | 26,763,000,000 | 21,554 | 17,310,000,000 | 18,188,000,000 | 19,355,000,000 | 12,510,000,000 | 9,109,000,000 | 8,090,000,000 | 7,889,000,000 | 8,424,000,000 | 8,724,000,000 | 8,949,000,000 | 9,614,298,000 | 10,330,680,000 | 10,990,080,000 | 12,042,254,000 | 135,320,363,202,342,370 | 14,264,171,000 | 14,286,286,000 | 12,767,779,000 | 102,365,991,823,831,780 | 10,306,519,000 | 7,577,170,000 | 7,835,161,000 | -26,858,000 | |||||||||||
non-interest-bearing accounts | 11,956,000,000 | 12,006,000,000 | 12,745,000,000 | 13,484,000,000 | 18,572,000,000 | 17,874,000,000 | 17,752,000,000 | 20,499 | 24,863,000,000 | 29,752,000,000 | 22,997,000,000 | 12,055,000,000 | 3,839,000,000 | 4,385,000,000 | 4,433,000,000 | 4,534,000,000 | 4,890,000,000 | 4,535,000,000 | 4,874,234,000 | 3,080,452,000 | 3,055,898,000 | 2,921,165,000 | 2,529,905,000 | 2,475,857,000 | 2,589,878,000 | 2,498,044,000 | 2,635,279,000 | 1,852,280,000 | 613,678,000 | |||||||||||||
total deposits | 69,152,000,000 | 69,745,000,000 | 73,906,000,000 | 75,870,000,000 | 83,013,000,000 | 79,032,000,000 | 74,858,000,000 | 81,526 | 82,675,000,000 | 88,497,000,000 | 84,800,000,000 | 58,721,000,000 | 41,705,000,000 | 41,244,000,000 | 37,954,000,000 | 35,059,000,000 | 34,621,000,000 | 34,177,000,000 | 34,197,136,000 | 32,436,813,000 | 31,704,941,000 | 31,729,581,000 | 31,572,176,000 | 32,332,526,000 | 31,601,125,000 | 29,555,845,000 | 28,887,903,000 | 21,809,051,000 | 8,207,144,000 | |||||||||||||
borrowed funds: | ||||||||||||||||||||||||||||||||||||||||||
wholesale borrowings | 12,150,000,000 | 12,150,000,000 | 13,150,000,000 | 13,400,000,000 | ||||||||||||||||||||||||||||||||||||||
junior subordinated debentures | 584,000,000 | 584,000,000 | 583,000,000 | 582,000,000 | 581,000,000 | 580,000,000 | 580,000,000 | 579 | 578,000,000 | 577,000,000 | 576,000,000 | 575,000,000 | 361,000,000 | 361,000,000 | 361,000,000 | 361,000,000 | 360,000,000 | 360,000,000 | 360,362,000 | 360,259,000 | 360,157,000 | 360,058,000 | 359,773,000 | 359,683,000 | 359,594,000 | 359,339,000 | 358,879,000 | 426,992,000 | ||||||||||||||
subordinated notes | 448,000,000 | 446,000,000 | 445,000,000 | 444,000,000 | 442,000,000 | 441,000,000 | 439,000,000 | 438 | 437,000,000 | 435,000,000 | 434,000,000 | 432,000,000 | 297,000,000 | 296,000,000 | 296,000,000 | 296,000,000 | 296,000,000 | 296,000,000 | 295,764,000 | 295,624,000 | 295,485,000 | 295,345,000 | 294,926,000 | 294,794,000 | 294,655,000 | |||||||||||||||||
total borrowed funds | 13,182,000,000 | 13,180,000,000 | 14,178,000,000 | 14,426,000,000 | 20,333,000,000 | 28,892,000,000 | 26,727,000,000 | 21,267 | 14,585,000,000 | 16,412,000,000 | 21,360,000,000 | 21,332,000,000 | 13,798,000,000 | 14,307,000,000 | 15,337,000,000 | 16,562,000,000 | 15,434,000,000 | 15,459,000,000 | 15,758,787,000 | 16,083,544,000 | 15,683,303,000 | 15,008,064,000 | 13,626,360,000 | 13,082,138,000 | 13,257,910,000 | 13,793,839,000 | 13,673,379,000 | 13,536,116,000 | 2,580,812,000 | |||||||||||||
other liabilities | 1,225,000,000 | 1,216,000,000 | 1,390,000,000 | 1,696,000,000 | 1,978,000,000 | 2,476,000,000 | 2,330,000,000 | 2,897 | 2,977,000,000 | 2,827,000,000 | 6,764,000,000 | 1,267,000,000 | 480,000,000 | 486,000,000 | 562,000,000 | 613,000,000 | 616,000,000 | 661,000,000 | 642,360,000 | 677,273,000 | 537,282,000 | 501,486,000 | 596,488,000 | 343,476,000 | 378,838,000 | 330,313,000 | 252,804,000 | 330,134,000 | 241,282,000 | 319,302,000 | 92,536,000 | |||||||||||
total liabilities | 83,559,000,000 | 84,141,000,000 | 89,474,000,000 | 91,992,000,000 | 105,795,000,000 | 110,400,000,000 | 103,915,000,000 | 105,690 | 100,237,000,000 | 107,736,000,000 | 112,924,000,000 | 81,320,000,000 | 56,210,000,000 | 56,269,000,000 | 54,096,000,000 | 52,483,000,000 | 50,923,000,000 | 50,553,000,000 | 50,860,452,000 | 49,464,476,000 | 48,197,025,000 | 47,517,403,000 | 45,445,109,000 | 45,842,622,000 | 46,101,575,000 | 45,501,976,000 | 43,430,419,000 | 43,679,818,000 | 42,802,564,000 | 35,664,469,000 | ||||||||||||
commitment and contingencies | ||||||||||||||||||||||||||||||||||||||||||
mezzanine equity: | ||||||||||||||||||||||||||||||||||||||||||
preferred stock - series b | 1,000,000 | 1,000,000 | 1,000,000 | 1,000,000 | 1,000,000 | 258,000,000 | ||||||||||||||||||||||||||||||||||||
stockholders' equity: | ||||||||||||||||||||||||||||||||||||||||||
preferred stock - series a and d | 503,000,000 | 503,000,000 | 503,000,000 | 503,000,000 | 503,000,000 | |||||||||||||||||||||||||||||||||||||
common stock at par 0.01 | 4,000,000 | 4,000,000 | 4,000,000 | 4,000,000 | 4,000,000 | 4,000,000 | 8,000,000 | 7 | 7,000,000 | 7,000,000 | 7,000,000 | 7,000,000 | 5,000,000 | 5,000,000 | 5,000,000 | 5,000,000 | 5,000,000 | 5,000,000 | 4,904,000 | 4,904,000 | 4,904,000 | 4,904,000 | 4,904,000 | 4,904,000 | 4,904,000 | 4,904,000 | 4,871,000 | 4,356,000 | ||||||||||||||
paid-in capital in excess of par | 9,300,000,000 | 9,291,000,000 | 9,286,000,000 | 9,282,000,000 | 9,266,000,000 | 8,997,000,000 | 8,648,000,000 | 8,231 | 8,217,000,000 | 8,204,000,000 | 8,197,000,000 | 8,130,000,000 | 6,121,000,000 | 6,114,000,000 | 6,107,000,000 | 6,126,000,000 | 6,119,000,000 | 6,111,000,000 | 6,103,251,000 | 6,122,690,000 | 6,117,902,000 | 6,109,597,000 | 6,107,376,000 | 6,099,474,000 | 6,092,792,000 | 6,082,394,000 | 6,047,558,000 | 5,285,715,000 | ||||||||||||||
accumulated deficit | -1,006,000,000 | -957,000,000 | ||||||||||||||||||||||||||||||||||||||||
treasury stock | -198,000,000 | -204,000,000 | -212,000,000 | -219,000,000 | -219,000,000 | -223,000,000 | -225,000,000 | -218 | -217,000,000 | -217,000,000 | -219,000,000 | -237,000,000 | -238,000,000 | -238,000,000 | -231,000,000 | -246,000,000 | -246,000,000 | -245,000,000 | -245,005,000 | -257,541,000 | -257,521,000 | -257,232,000 | -220,669,000 | -220,546,000 | -221,728,000 | -757,000 | -160,000 | |||||||||||||||
aocl, net of tax | -495,000,000 | -542,000,000 | ||||||||||||||||||||||||||||||||||||||||
total stockholders’ equity | 8,108,000,000 | 8,095,000,000 | 8,153,000,000 | 8,167,000,000 | 8,571,000,000 | 8,397,000,000 | 8,390,000,000 | 8,367 | 10,993,000,000 | 11,060,000,000 | 10,782,000,000 | 8,824,000,000 | 6,746,000,000 | 6,824,000,000 | 6,909,000,000 | 7,044,000,000 | 6,967,000,000 | 6,916,000,000 | 6,796,440,000 | 6,841,644,000 | 6,734,730,000 | 6,693,013,000 | 6,695,007,000 | 6,674,678,000 | 6,629,070,000 | 6,789,352,000 | 6,123,991,000 | 5,526,220,000 | ||||||||||||||
total liabilities, mezzanine and stockholders’ equity | 91,668,000,000 | 92,237,000,000 | 97,628,000,000 | 100,160,000,000 | 114,367,000,000 | 119,055,000,000 | 112,900,000,000 | |||||||||||||||||||||||||||||||||||
accumulated other comprehensive loss, net of tax | -553,000,000 | |||||||||||||||||||||||||||||||||||||||||
less: allowance for credit losses on loans and leases | -1,201,000,000 | -1,264,000,000 | -1,268,000,000 | -1,215,000,000 | -992 | -619,000,000 | -594,000,000 | -550,000,000 | -393,000,000 | -218,000,000 | -216,000,000 | -197,000,000 | -199,000,000 | -200,000,000 | -202,000,000 | -197,758,000 | -194,043,000 | |||||||||||||||||||||||||
mortgage servicing rights | 26,000,000 | 1,122,000,000 | 1,092,000,000 | 1,111 | 1,135,000,000 | 1,031,000,000 | 1,034,000,000 | 1,033,000,000 | 4,362,000 | 233,961,000 | 483,483,000 | 133,679,133,679,000 | ||||||||||||||||||||||||||||||
(accumulated deficit)/retained earnings | -763,000,000 | -562,000,000 | -270,000,000 | |||||||||||||||||||||||||||||||||||||||
accumulated other comprehensive loss, net of tax: | ||||||||||||||||||||||||||||||||||||||||||
net unrealized loss on securities available for sale, net of tax of 249 and 225, respectively | -653,000,000 | |||||||||||||||||||||||||||||||||||||||||
net unrealized loss on pension and post-retirement obligations, net of tax of 14 and 12, respectively | -35,000,000 | |||||||||||||||||||||||||||||||||||||||||
net unrealized gain on cash flow hedges, net of tax of (18) and , respectively | 48,000,000 | |||||||||||||||||||||||||||||||||||||||||
total accumulated other comprehensive loss, net of tax | -640,000,000 | -421,000,000 | -614,000,000 | -617,000,000 | -599 | -795,000,000 | -642,000,000 | -629,000,000 | -620,000,000 | -602,000,000 | -453,000,000 | -284,000,000 | -85,000,000 | -92,000,000 | -75,000,000 | -122,116,000 | -25,478,000 | -24,923,000 | -29,820,000 | -27,851,000 | -28,915,000 | -56,970,000 | -71,588,000 | -56,713,000 | -45,695,000 | |||||||||||||||||
total securities net of allowance for credit losses | 10,525,000,000 | 10,549,000,000 | 9,350,000,000 | |||||||||||||||||||||||||||||||||||||||
assets held for sale | 1,631,000,000 | |||||||||||||||||||||||||||||||||||||||||
federal home loan bank and federal reserve bank advances | 19,250,000,000 | 27,750,000,000 | 20,250 | |||||||||||||||||||||||||||||||||||||||
repurchase agreements | 60,000,000 | 121,000,000 | 1,958,000,000 | 300,000,000 | 800,000,000 | 800,000,000 | 800,000,000 | 800,000,000 | 800,000,000 | 800,000,000 | 800,000,000 | 800,000,000 | 800,000,000 | 800,000,000 | 800,000,000 | 800,000,000 | 200,000,000 | 1,500,000,000 | 4,125,000,000 | -11,180,000 | ||||||||||||||||||||||
total wholesale borrowings | 19,310,000,000 | 27,871,000,000 | 25,708,000,000 | 13,570,000,000 | 20,325,000,000 | 13,140,000,000 | 13,650,000,000 | 14,680,000,000 | 15,905,000,000 | 14,778,000,000 | 14,803,000,000 | 15,102,661,000 | 15,427,661,000 | 15,027,661,000 | 14,352,661,000 | 12,971,661,000 | 12,427,661,000 | 12,603,661,000 | 13,434,500,000 | 13,314,500,000 | 12,500,659,000 | |||||||||||||||||||||
liabilities associated with assets held for sale | 471,000,000 | |||||||||||||||||||||||||||||||||||||||||
net unrealized loss on securities available for sale, net of tax of 185 and 225, respectively | -468,000,000 | |||||||||||||||||||||||||||||||||||||||||
net unrealized loss on pension and post-retirement obligations, net of tax of 11 and 12, respectively | -27,000,000 | -28,000,000 | -27,000,000 | |||||||||||||||||||||||||||||||||||||||
net unrealized gain on cash flow hedges, net of tax of (27) and , respectively | 74,000,000 | |||||||||||||||||||||||||||||||||||||||||
preferred stock - series a | 503,000,000 | 503,000,000 | ||||||||||||||||||||||||||||||||||||||||
net unrealized loss on securities available for sale, net of tax of 256 and 225, respectively | -674,000,000 | |||||||||||||||||||||||||||||||||||||||||
net unrealized gain on cash flow hedges, net of tax of (32) and , respectively | 88,000,000 | |||||||||||||||||||||||||||||||||||||||||
federal home loan bank advances | 23,750,000,000 | 13,023,000,000 | 15,400,000,000 | 20,350,000,000 | 20,325,000,000 | 12,840,000,000 | 12,850,000,000 | 13,880,000,000 | 15,105,000,000 | 13,978,000,000 | 14,003,000,000 | 14,302,661,000 | 14,627,661,000 | 14,227,661,000 | 13,552,661,000 | 12,171,661,000 | 11,627,661,000 | 11,803,661,000 | 13,234,500,000 | 11,664,500,000 | 8,375,659,000 | |||||||||||||||||||||
preferred stock - series b and series c | 595,000,000 | |||||||||||||||||||||||||||||||||||||||||
retained earnings | 73,000,000 | 443 | 3,278,000,000 | 3,205,000,000 | 2,923,000,000 | 1,041,000,000 | 957,000,000 | 893,000,000 | 809,000,000 | 741,000,000 | 678,000,000 | 617,000,000 | 552,566,000 | 494,229,000 | 391,528,000 | 362,724,000 | 328,407,000 | 316,921,000 | 307,232,000 | 271,559,000 | 128,435,000 | 281,844,000 | ||||||||||||||||||||
net unrealized loss on securities available for sale, net of tax of 248 and 225, respectively | -651,000,000 | |||||||||||||||||||||||||||||||||||||||||
net unrealized gain on cash flow hedges, net of tax of (23) and , respectively | 61,000,000 | |||||||||||||||||||||||||||||||||||||||||
goodwill | 2,426,000,000 | 2,426,000,000 | 2,426,000,000 | 2,426,000,000 | 2,426,000,000 | 2,426,000,000 | 2,426,000,000 | 2,426,000,000 | 2,426,000,000 | 2,426,000,000 | 2,426,379,000 | 2,426,379,000 | 2,426,379,000 | 2,426,379,000 | 2,426,379,000 | 2,426,379,000 | 2,426,379,000 | 2,436,131,000 | 2,436,131,000 | 2,436,159,000 | ||||||||||||||||||||||
preferred stock at par 0.01 | 503 | 503,000,000 | 503,000,000 | 503,000,000 | 503,000,000 | 503,000,000 | 503,000,000 | 503,000,000 | 503,000,000 | 503,000,000 | 503,000,000 | 502,840,000 | 502,840,000 | 502,840,000 | 502,840,000 | 502,840,000 | 502,840,000 | 502,840,000 | 502,840,000 | |||||||||||||||||||||||
net unrealized loss on securities available for sale, net of tax of 225 and 240, respectively | -581 | |||||||||||||||||||||||||||||||||||||||||
net unrealized loss on pension and post-retirement obligations, net of tax of 12 and 18, respectively | -28 | |||||||||||||||||||||||||||||||||||||||||
net unrealized gain on cash flow hedges, net of tax of and (20), respectively | 10 | |||||||||||||||||||||||||||||||||||||||||
total liabilities and stockholders’ equity | 114,057 | 111,230,000,000 | 118,796,000,000 | 123,706,000,000 | 90,144,000,000 | 62,956,000,000 | 63,093,000,000 | 61,005,000,000 | 59,527,000,000 | 57,890,000,000 | 57,469,000,000 | 57,656,892,000 | 56,306,120,000 | 54,931,755,000 | 54,210,416,000 | 52,109,095,000 | 52,537,629,000 | 52,776,253,000 | 52,131,046,000 | 50,213,340,000 | 50,469,170,000 | 48,926,555,000 | 41,190,689,000 | |||||||||||||||||||
fed funds purchased | 547,000,000 | |||||||||||||||||||||||||||||||||||||||||
net unrealized loss on securities available for sale, net of tax of 324 and 240, respectively | -863,000,000 | |||||||||||||||||||||||||||||||||||||||||
net unrealized loss on pension and post-retirement obligations, net of tax of 17 and 18, respectively | -42,000,000 | -43,000,000 | -44,000,000 | |||||||||||||||||||||||||||||||||||||||
net unrealized gain on cash flow hedges, net of tax of (41) and (20), respectively | 110,000,000 | |||||||||||||||||||||||||||||||||||||||||
debt securities available-for-sale 1,275 and 434 pledged at june 30, 2023 and december 31, 2022, respectively) | 7,782,000,000 | |||||||||||||||||||||||||||||||||||||||||
net unrealized loss on securities available for sale, net of tax of 255 and 240, respectively | -668,000,000 | |||||||||||||||||||||||||||||||||||||||||
net unrealized gain on cash flow hedges, net of tax of (26) and (20), respectively | 69,000,000 | |||||||||||||||||||||||||||||||||||||||||
debt securities available-for-sale 825 and 434 pledged at march 31, 2023 and december 31, 2022, respectively) | 7,599,000,000 | |||||||||||||||||||||||||||||||||||||||||
loans held for sale, at fair value | 1,305,000,000 | 1,115,000,000 | ||||||||||||||||||||||||||||||||||||||||
net unrealized loss on securities available for sale, net of tax of 219 and 240, respectively | -566,000,000 | |||||||||||||||||||||||||||||||||||||||||
net unrealized gain on cash flow hedges, net of tax of 5 and (20), respectively | -19,000,000 | |||||||||||||||||||||||||||||||||||||||||
federal home loan bank and federal reserve bank stock, at cost | 1,267,000,000 | |||||||||||||||||||||||||||||||||||||||||
liabilities and stockholders’ equity: | ||||||||||||||||||||||||||||||||||||||||||
wholesale borrowings: | ||||||||||||||||||||||||||||||||||||||||||
stockholders’ equity: | ||||||||||||||||||||||||||||||||||||||||||
net unrealized gain on securities available for sale, net of tax of 240 and 17, respectively | -626,000,000 | |||||||||||||||||||||||||||||||||||||||||
net unrealized loss on pension and post-retirement obligations, net of tax of 18 and 12 respectively | -46,000,000 | |||||||||||||||||||||||||||||||||||||||||
net unrealized gain on cash flow hedges, net of tax of (20) and 3, respectively | 52,000,000 | |||||||||||||||||||||||||||||||||||||||||
cash, cash equivalents and due from banks | 1,700,000,000 | 3,277,000,000 | 2,900,000,000 | |||||||||||||||||||||||||||||||||||||||
total loans and leases | 48,766,000,000 | 48,321,000,000 | 46,561,000,000 | 45,539,000,000 | 42,806,691,000 | 42,758,184,000 | 42,235,262,000 | 40,694,787,000 | 40,725,589,000 | 40,369,383,000 | ||||||||||||||||||||||||||||||||
federal home loan bank stock, at cost | 630,000,000 | 635,000,000 | 679,000,000 | 734,000,000 | 684,000,000 | 686,000,000 | 698,984,000 | 714,005,000 | 697,483,000 | 668,698,000 | 606,371,000 | 582,348,000 | 588,197,000 | 653,075,000 | 590,934,000 | 446,014,000 | ||||||||||||||||||||||||||
operating lease right-of-use assets | 227,000,000 | 232,000,000 | 243,000,000 | 249,000,000 | 252,000,000 | 256,000,000 | 262,196,000 | 266,864,000 | 271,515,000 | 278,276,000 | 300,955,000 | 308,412,000 | 312,948,000 | |||||||||||||||||||||||||||||
operating lease liabilities | 227,000,000 | 232,000,000 | 243,000,000 | 249,000,000 | 252,000,000 | 256,000,000 | 262,169,000 | 266,846,000 | 271,499,000 | 278,272,000 | 300,610,000 | 308,073,000 | 312,628,000 | |||||||||||||||||||||||||||||
net unrealized loss on securities available for sale, net of tax of 234 and 17, respectively | -612,000,000 | |||||||||||||||||||||||||||||||||||||||||
net unrealized loss on pension and post-retirement obligations, net of tax of 12 and 12 respectively | -30,000,000 | -31,000,000 | -31,000,000 | |||||||||||||||||||||||||||||||||||||||
net unrealized gain on cash flow hedges, net of tax of (16) and 3, respectively | 40,000,000 | |||||||||||||||||||||||||||||||||||||||||
see accompanying notes to the consolidated financial statements. | ||||||||||||||||||||||||||||||||||||||||||
other real estate owned and other repossessed assets | 6,000,000 | 7,000,000 | 8,000,000 | 9,000,000 | 8,000,000 | 8,153,000 | 8,318,000 | 9,526,000 | 9,526,000 | 11,691,000 | 11,691,000 | 12,758,000 | 14,204,000 | |||||||||||||||||||||||||||||
net unrealized loss on securities available for sale, net of tax of 167 and 17, respectively | -436,000,000 | |||||||||||||||||||||||||||||||||||||||||
net unrealized gain on cash flow hedges, net of tax of and 3, respectively | 14,000,000 | 7,000,000 | ||||||||||||||||||||||||||||||||||||||||
net unrealized loss on securities available for sale, net of tax of 99 and 17, respectively | -260,000,000 | |||||||||||||||||||||||||||||||||||||||||
net unrealized gain on securities available for sale, net of tax of 17 and (25), respectively | -45,000,000 | |||||||||||||||||||||||||||||||||||||||||
net unrealized loss on pension and post-retirement obligations, net of tax of 12 and 22 respectively | -31,000,000 | |||||||||||||||||||||||||||||||||||||||||
net unrealized loss on cash flow hedges, net of tax of 3 and 13, respectively | -9,000,000 | |||||||||||||||||||||||||||||||||||||||||
total loans and leases held for investment and held for sale | 43,487,000,000 | 43,373,000,000 | 43,068,816,000 | |||||||||||||||||||||||||||||||||||||||
net unrealized gain on securities available for sale, net of tax of 9 and (25), respectively | -22,000,000 | |||||||||||||||||||||||||||||||||||||||||
net unrealized loss on pension and post-retirement obligations, net of tax of 19 and 22, respectively | -52,000,000 | |||||||||||||||||||||||||||||||||||||||||
net unrealized loss on cash flow hedges, net of tax of 7 and 13, respectively | -18,000,000 | |||||||||||||||||||||||||||||||||||||||||
net unrealized gain on securities available for sale, net of tax of 0 and (25), respectively | 1,000,000 | |||||||||||||||||||||||||||||||||||||||||
net unrealized loss on pension and post-retirement obligations, net of tax of 20 and 22, respectively | -54,000,000 | |||||||||||||||||||||||||||||||||||||||||
net unrealized loss on cash flow hedges, net of tax of 8 and 13, respectively | -22,000,000 | |||||||||||||||||||||||||||||||||||||||||
net unrealized gain on securities available for sale, net of tax of 16,051 and (25,072), respectively | -41,809,000 | |||||||||||||||||||||||||||||||||||||||||
net unrealized loss on pension and post-retirement obligations, net of tax of 20,198 and 21,898, respectively | -54,855,000 | |||||||||||||||||||||||||||||||||||||||||
net unrealized loss on cash flow hedges, net of tax of 9,658 and 12,519, respectively | -25,452,000 | |||||||||||||||||||||||||||||||||||||||||
net unrealized gain on securities available for sale, net of tax of (25,072) and (9,424), respectively | 66,880,000 | |||||||||||||||||||||||||||||||||||||||||
net unrealized loss on pension and post-retirement obligations, net of tax of 21,898 and 22,191, respectively | -59,345,000 | |||||||||||||||||||||||||||||||||||||||||
net unrealized gain on cash flow hedges, net of tax of 12,519 and (333), respectively | -33,013,000 | |||||||||||||||||||||||||||||||||||||||||
less: allowance for loan and lease losses | -188,307,000 | -174,287,000 | ||||||||||||||||||||||||||||||||||||||||
net unrealized gain on securities available for sale, net of tax of (25,473) and (9,424), respectively | 67,755,000 | |||||||||||||||||||||||||||||||||||||||||
net unrealized loss on pension and post-retirement obligations, net of tax of 20,673 and 22,191, respectively | -55,137,000 | |||||||||||||||||||||||||||||||||||||||||
net unrealized gain on cash flow hedges, net of tax of 14,237 and (333), respectively | -37,541,000 | |||||||||||||||||||||||||||||||||||||||||
net unrealized gain on securities available for sale, net of tax of (25,015) and (9,424), respectively | 66,548,000 | |||||||||||||||||||||||||||||||||||||||||
net unrealized loss on pension and post-retirement obligations, net of tax of 21,179 and 22,191, respectively | -56,470,000 | |||||||||||||||||||||||||||||||||||||||||
net unrealized gain on cash flow hedges, net of tax of 15,132 and (333), respectively | -39,898,000 | |||||||||||||||||||||||||||||||||||||||||
net income available to common shareholders | 92,121,000 | |||||||||||||||||||||||||||||||||||||||||
less: dividends paid on and earnings allocated to participating securities | -1,170,000 | |||||||||||||||||||||||||||||||||||||||||
earnings applicable to common stock | 90,951,000 | |||||||||||||||||||||||||||||||||||||||||
weighted-average common shares outstanding | 464,993,970,000 | |||||||||||||||||||||||||||||||||||||||||
basic earnings per common share | 200 | |||||||||||||||||||||||||||||||||||||||||
potential dilutive common shares | 418,674,000 | |||||||||||||||||||||||||||||||||||||||||
total shares for diluted earnings per common share computation | 465,412,644,000 | |||||||||||||||||||||||||||||||||||||||||
diluted earnings per common share and common share equivalents | 200 | |||||||||||||||||||||||||||||||||||||||||
interest-earning assets: | ||||||||||||||||||||||||||||||||||||||||||
mortgage and other loans and leases | 4,038,457,315,530,044,000 | |||||||||||||||||||||||||||||||||||||||||
securities | 63,298,982,355,963,720 | 48,197,891,841,363,820 | ||||||||||||||||||||||||||||||||||||||||
interest-earning cash and cash equivalents | 744,204,165,602,230 | 1,955,837,375,931,920 | ||||||||||||||||||||||||||||||||||||||||
total interest-earning assets | 4,745,867,518,051,604,000 | 4,589,835,016,896,734,000 | ||||||||||||||||||||||||||||||||||||||||
non-interest-earning assets | 4,650,420,000 | 4,314,990,000 | ||||||||||||||||||||||||||||||||||||||||
interest-bearing deposits: | ||||||||||||||||||||||||||||||||||||||||||
total interest-bearing deposits | 288,667,445,302,861,800 | 271,725,403,793,491,400 | ||||||||||||||||||||||||||||||||||||||||
borrowed funds | 133,938,373,174,742,370 | 134,549,122,793,292,080 | 1,334,375,913,176,141,000 | 1,326,440,214,251,356,000 | 1,530,166,616,300,287,000 | 1,482,738,015,813,816,000 | 1,427,612,415,696,471,000 | 1,301,956,214,143,657,000 | 1,386,392,015,100,437,000 | 1,405,900,315,196,231,000 | ||||||||||||||||||||||||||||||||
total interest-bearing liabilities | 422,605,818,477,602,000 | 406,274,526,586,781,630 | ||||||||||||||||||||||||||||||||||||||||
non-interest-bearing deposits | 2,588,040,000 | 2,550,163,000 | ||||||||||||||||||||||||||||||||||||||||
stockholders’ equity | 6,663,986,000 | 6,782,921,000 | ||||||||||||||||||||||||||||||||||||||||
net interest income/interest rate spread | 9,574,001,790 | 10,309,952,060 | ||||||||||||||||||||||||||||||||||||||||
net interest margin | 2,020 | 2,250 | ||||||||||||||||||||||||||||||||||||||||
ratio of interest-earning assets to interest-bearing liabilities | 1,120 | 1,130 | ||||||||||||||||||||||||||||||||||||||||
loans and leases, net of deferred loan fees and costs | 40,844,220,000 | 40,876,701,000 | 40,526,019,000 | |||||||||||||||||||||||||||||||||||||||
less: allowance for loan losses | -149,433,000 | -151,112,000 | -156,636,000 | -160,652,000 | ||||||||||||||||||||||||||||||||||||||
net unrealized gain on securities available for sale, net of tax of (16,706) and 4,201, respectively | 43,804,000 | |||||||||||||||||||||||||||||||||||||||||
net unrealized loss on the non-credit portion of otti losses on securities, net of tax of 2,517 and 2,517, respectively | -6,042,000 | -6,042,000 | -6,042,000 | |||||||||||||||||||||||||||||||||||||||
net unrealized loss on pension and post-retirement obligations, net of tax of 25,093 and 27,224, respectively | -65,613,000 | |||||||||||||||||||||||||||||||||||||||||
net unrealized gain on securities available for sale, net of tax of (17,372) and 4,201, respectively | 44,561,000 | |||||||||||||||||||||||||||||||||||||||||
net unrealized loss on pension and post-retirement obligations, net of tax of 25,803 and 27,224, respectively | -67,434,000 | |||||||||||||||||||||||||||||||||||||||||
net unrealized gain on securities available for sale, net of tax of (7,150) and 4,201, respectively | 18,329,000 | |||||||||||||||||||||||||||||||||||||||||
net unrealized loss on pension and post-retirement obligations, net of tax of 26,513 and 27,224, respectively | -69,257,000 | |||||||||||||||||||||||||||||||||||||||||
mortgage and other loans | 3,912,272,414,679,444,000 | |||||||||||||||||||||||||||||||||||||||||
interest-bearing liabilities: | ||||||||||||||||||||||||||||||||||||||||||
loans held for investment, net of deferred loan fees and costs | 39,447,825,000 | |||||||||||||||||||||||||||||||||||||||||
loans held for investment | 39,287,173,000 | |||||||||||||||||||||||||||||||||||||||||
total loans | 39,287,173,000 | 39,308,016,000 | 29,041,595,000 | |||||||||||||||||||||||||||||||||||||||
net unrealized gain on securities available for sale, net of tax of 3,757 and (27,961), respectively | -9,069,000 | |||||||||||||||||||||||||||||||||||||||||
net unrealized loss on the non-credit portion of otti losses on securities, net of tax of 2,517 and 3,338, respectively | -6,042,000 | |||||||||||||||||||||||||||||||||||||||||
net unrealized loss on pension and post-retirement obligations, net of tax of 21,057 and 32,121, respectively | -56,477,000 | |||||||||||||||||||||||||||||||||||||||||
financial assets: | ||||||||||||||||||||||||||||||||||||||||||
fhlb stock | 622,989,622,989,000 | 464,942,464,942,000 | 571,708,571,708,000 | 545,113,545,113,000 | 504,398,504,398,000 | 422,731,422,731,000 | ||||||||||||||||||||||||||||||||||||
loans | 3,875,968,538,462,422,000 | 3,551,914,336,050,313,000 | 3,470,239,535,256,509,000 | 3,364,022,933,612,172,000 | 3,053,766,130,864,862,000 | 2,851,506,728,833,655,000 | -946,083,000 | 2,293,206,723,111,143,000 | 2,267,908,122,809,306,000 | |||||||||||||||||||||||||||||||||
financial liabilities: | ||||||||||||||||||||||||||||||||||||||||||
deposits | 2,923,543,429,178,221,000,000,000,000,000,000 | 2,893,138,728,984,723,400,000,000,000,000,000 | 2,735,246,927,373,609,400,000,000,000,000,000 | 2,675,356,626,789,591,000,000,000,000,000,000 | 229,407,932,297,655,700,000,000,000 | 2,219,814,722,229,496,000 | 1,446,790,114,518,161,000 | 1,435,408,114,415,985,000 | ||||||||||||||||||||||||||||||||||
carrying value and estimated fair value are at cost. | ||||||||||||||||||||||||||||||||||||||||||
available for sale | 104,281,000 | |||||||||||||||||||||||||||||||||||||||||
held-to-maturity | 3,712,776,000 | |||||||||||||||||||||||||||||||||||||||||
non-covered loans held for sale | 409,152,000 | 1,207,077,000 | ||||||||||||||||||||||||||||||||||||||||
non-covered loans held for investment, net of deferred loan fees and costs | 37,382,722,000 | 23,707,494,000 | ||||||||||||||||||||||||||||||||||||||||
less: allowance for losses on non-covered loans | -158,290,000 | -158,942,000 | ||||||||||||||||||||||||||||||||||||||||
non-covered loans held for investment | 37,224,432,000 | 23,548,552,000 | ||||||||||||||||||||||||||||||||||||||||
covered loans | 1,698,133,000 | 4,297,869,000 | ||||||||||||||||||||||||||||||||||||||||
less: allowance for losses on covered loans | -23,701,000 | -11,903,000 | ||||||||||||||||||||||||||||||||||||||||
fdic loss share receivable | 243,686,000 | 814,088,000 | 740,000,000 | |||||||||||||||||||||||||||||||||||||||
core deposit intangibles | 208,000 | 77,734,000 | ||||||||||||||||||||||||||||||||||||||||
other real estate owned | 28,598,000 | 90,478,000 | ||||||||||||||||||||||||||||||||||||||||
now and money market accounts | 13,395,080,000 | 8,235,825,000 | 2,861,172,000 | |||||||||||||||||||||||||||||||||||||||
federal funds purchased | 150,000,000 | |||||||||||||||||||||||||||||||||||||||||
net unrealized gain on securities available for sale, net of tax of 534 and 2,153, respectively | -753,000 | |||||||||||||||||||||||||||||||||||||||||
net unrealized loss on the non-credit portion of other-than-temporary impairment (“otti”) losses on securities, net of tax of 3,351 and 3,400, respectively | -5,241,000 | |||||||||||||||||||||||||||||||||||||||||
net unrealized loss on pension and post-retirement obligations, net of tax of 34,355 and 37,279, respectively | -50,719,000 | |||||||||||||||||||||||||||||||||||||||||
securities held to maturity | 67,848,837,028,201,000 | 75,479,117,622,751,000 | 77,070,927,629,929,000 | 43,050,714,464,401,000 | 43,042,184,326,541,000 | 47,897,734,755,590,000 | ||||||||||||||||||||||||||||||||||||
securities available for sale | 490,779,490,779,000 | 849,113,849,113,000 | ||||||||||||||||||||||||||||||||||||||||
derivatives | 46,744,674,000 | |||||||||||||||||||||||||||||||||||||||||
treasury options | 90,000,000 | |||||||||||||||||||||||||||||||||||||||||
eurodollar futures | 975,000,320,000 | |||||||||||||||||||||||||||||||||||||||||
forward commitments to sell loans/mortgage-backed securities | 876,925,000 | |||||||||||||||||||||||||||||||||||||||||
forward commitments to buy loans/mortgage-backed securities | 4,750,001,892,000 | |||||||||||||||||||||||||||||||||||||||||
interest rate lock commitments | 4,468,861,524,000 | |||||||||||||||||||||||||||||||||||||||||
total derivatives | 28,638,113,736,000 | |||||||||||||||||||||||||||||||||||||||||
available-for-sale | 652,956,000 | |||||||||||||||||||||||||||||||||||||||||
held to maturity | 4,135,935,000 | |||||||||||||||||||||||||||||||||||||||||
other borrowings | 608,465,000 | |||||||||||||||||||||||||||||||||||||||||
unallocated common stock held by employee stock ownership plan | ||||||||||||||||||||||||||||||||||||||||||
net unrealized gain on securities available for sale, net of tax | 12,600,000 | |||||||||||||||||||||||||||||||||||||||||
net unrealized losses on the non-credit portion of other-than-temporary impairment (“otti”) losses on securities and securities transferred from available for sale to held to maturity, net of tax | -20,572,000 | |||||||||||||||||||||||||||||||||||||||||
net unrealized loss on pension and post-retirement obligations, net of tax | -37,723,000 | |||||||||||||||||||||||||||||||||||||||||
amtrust’s cost basis liabilities in excess of assets | -2,799,630,000 | |||||||||||||||||||||||||||||||||||||||||
cash payments received from the fdic | 3,220,650,000 | |||||||||||||||||||||||||||||||||||||||||
net assets acquired before fair value adjustments | 421,020,000 | |||||||||||||||||||||||||||||||||||||||||
fair value adjustments: | ||||||||||||||||||||||||||||||||||||||||||
core deposit intangible | 40,797,000 | |||||||||||||||||||||||||||||||||||||||||
federal home loan bank (“fhlb”) borrowings | ||||||||||||||||||||||||||||||||||||||||||
fdic equity appreciation instrument | -8,275,000 | |||||||||||||||||||||||||||||||||||||||||
pre-tax gain on the amtrust acquisition | 139,607,000 | |||||||||||||||||||||||||||||||||||||||||
deferred income tax liability | -55,410,000 | |||||||||||||||||||||||||||||||||||||||||
net after-tax gain on the amtrust acquisition | 84,197,000 | |||||||||||||||||||||||||||||||||||||||||
fhlb borrowings | -69,814,000 | |||||||||||||||||||||||||||||||||||||||||
assets | ||||||||||||||||||||||||||||||||||||||||||
securities available for sale: | ||||||||||||||||||||||||||||||||||||||||||
mortgage-related securities | 121,846,000 | |||||||||||||||||||||||||||||||||||||||||
other securities | 638,170,000 | |||||||||||||||||||||||||||||||||||||||||
loans covered by loss sharing agreements: | ||||||||||||||||||||||||||||||||||||||||||
one- to four-family mortgage loans | 4,701,591,000 | |||||||||||||||||||||||||||||||||||||||||
home equity lines of credit (“helocs”) and consumer loans | 314,412,000 | |||||||||||||||||||||||||||||||||||||||||
total loans covered by loss sharing agreements | 5,016,003,000 | |||||||||||||||||||||||||||||||||||||||||
fhlb-cincinnati stock | 110,592,000 | |||||||||||||||||||||||||||||||||||||||||
total assets acquired | 10,964,689,000 | |||||||||||||||||||||||||||||||||||||||||
liabilities | ||||||||||||||||||||||||||||||||||||||||||
fhlb advances | 2,119,632,000 | |||||||||||||||||||||||||||||||||||||||||
total liabilities assumed | 10,880,492,000 | |||||||||||||||||||||||||||||||||||||||||
net assets acquired | 84,197,000 | |||||||||||||||||||||||||||||||||||||||||
securities held to maturity: | ||||||||||||||||||||||||||||||||||||||||||
gse certificates | 244,087,261,638,000 | |||||||||||||||||||||||||||||||||||||||||
gse cmos | 23,606,382,435,983,000 | |||||||||||||||||||||||||||||||||||||||||
other mortgage-related securities | 67,136,713,000 | |||||||||||||||||||||||||||||||||||||||||
gse debentures | 17,311,001,723,244,000 | |||||||||||||||||||||||||||||||||||||||||
corporate bonds | 101,090,100,072,000 | |||||||||||||||||||||||||||||||||||||||||
capital trust notes | 198,407,143,720,000 | |||||||||||||||||||||||||||||||||||||||||
total securities held to maturity | 46,420,354,671,370,000 | |||||||||||||||||||||||||||||||||||||||||
private label cmos | 9,475,394,753,000 | |||||||||||||||||||||||||||||||||||||||||
state, county, and municipal | 63,386,338,000 | |||||||||||||||||||||||||||||||||||||||||
preferred stock | 1,996,019,960,000 | |||||||||||||||||||||||||||||||||||||||||
common stock | 3,521,435,214,000 | |||||||||||||||||||||||||||||||||||||||||
total securities available for sale | 812,995,812,995,000 | |||||||||||||||||||||||||||||||||||||||||
fhlb-ny stock | 423,028,423,028,000 | 439,063,439,063,000 | ||||||||||||||||||||||||||||||||||||||||
item 2. | ||||||||||||||||||||||||||||||||||||||||||
• | ||||||||||||||||||||||||||||||||||||||||||
stock options outstanding, beginning of period | ||||||||||||||||||||||||||||||||||||||||||
exercised | ||||||||||||||||||||||||||||||||||||||||||
forfeited | ||||||||||||||||||||||||||||||||||||||||||
stock options outstanding, end of period | ||||||||||||||||||||||||||||||||||||||||||
stock options exercisable at period-end |
Cashflow Statements:
Quarterly
Annual
| Unit: USD | 2026-03-31 | 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 | 2016-12-31 | 2016-09-30 | 2016-06-30 | 2016-03-31 | 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 income | 21,000,000 | -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 | 113,733,000 | 125,299,000 | 126,460,000 | 129,909,000 | 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 | |||||
adjustments to reconcile net income to net cash from operating activities: | ||||||||||||||||||||||||||||||||||||||||||||||||||||||
provision for credit losses | 79,000,000 | 145,000,000 | 242,000,000 | 390,000,000 | 315,000,000 | |||||||||||||||||||||||||||||||||||||||||||||||||
depreciation and amortization | 35,000,000 | 8,208,000 | 8,278,000 | 8,272,000 | 8,053,000 | 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 | ||||||||||||||||||||||||||
stock-based compensation | 14,000,000 | 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 | 8,050,000 | ||||||||||||||||||||||||||
deferred tax expense | 46,000,000 | -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 | -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 | 7,177,000 | 17,319,000 | 2,223,000 | 18,027,000 | 9,419,000 | ||||||||||||||||||||||||
other operating activities | -35,000,000 | -4,000,000 | ||||||||||||||||||||||||||||||||||||||||||||||||||||
changes in operating assets and liabilities: | ||||||||||||||||||||||||||||||||||||||||||||||||||||||
increase in other miscellaneous assets | -7,000,000 | -85,000,000 | ||||||||||||||||||||||||||||||||||||||||||||||||||||
decrease in other miscellaneous liabilities | -207,000,000 | -641,000,000 | ||||||||||||||||||||||||||||||||||||||||||||||||||||
change in loans held for sale | 15,000,000 | 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 operating activities | -118,000,000 | 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 | 359,816,000 | 108,135,000 | -23,971,000 | 311,673,000 | 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 | |||
capital expenditures | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |||
free cash flows | -118,000,000 | 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 | 359,816,000 | 108,135,000 | -23,971,000 | 311,673,000 | 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 | |||
cash flows from investing activities: | ||||||||||||||||||||||||||||||||||||||||||||||||||||||
proceeds from repayment of securities available-for-sale | 1,125,000,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||||
proceeds from sales of securities available-for-sale including loans that have been securitized | ||||||||||||||||||||||||||||||||||||||||||||||||||||||
purchase of securities available-for-sale | ||||||||||||||||||||||||||||||||||||||||||||||||||||||
redemption of federal home loan bank stock | 90,000,000 | 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 | 138,318,000 | ||||||||||||||||||||||||||
purchases of federal home loan bank and federal reserve bank stock | -75,000,000 | -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 | ||||||||||||||||||||||||||||||||||||||||||
other changes in loans | 285,000,000 | 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 | -758,974,000 | -953,944,000 | -910,243,000 | ||||||||||||||||||||||||||
purchases of premises and equipment | -20,000,000 | -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 | 9,000,000 | ||||||||||||||||||||||||||||||||||||||||||||||||||||
net cash from investing activities | 1,414,000,000 | 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 | 89,312,000 | -277,909,000 | -333,757,000 | 1,740,519,000 | 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 increase in deposits | 832,000,000 | -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 | -251,696,000 | 256,607,000 | -99,320,000 | 555,554,000 | 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 | |||||||||||||
net decrease in short-term borrowed funds | -1,500,000,000 | -250,000,000 | 1,345,000,000 | 1,815,000,000 | -550,000,000 | -1,150,000,000 | 93,600,000 | 382,300,000 | -2,403,700,000 | -1,161,000,000 | -500,000,000 | |||||||||||||||||||||||||||||||||||||||||||
proceeds from long-term borrowed funds | 1,500,000,000 | 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 | 1,000,000,000 | 0 | |||||||||||||||||||||||||||||
repayments of long-term borrowed funds | -1,000,000,000 | -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 | |||||||||||||||||||||||||||||
cash dividends paid on common stock | -5,000,000 | -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 | -82,729,000 | -82,734,000 | -82,729,000 | -82,618,000 | -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 | -8,000,000 | -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 | |||||||||||||||||||||||||||
other financing activities | -7,000,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||||
net cash from financing activities | -188,000,000 | -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 | -663,060,000 | 267,267,000 | 381,137,000 | -1,938,986,000 | -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 | 1,108,000,000 | 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 | 5,977,000,000 | 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 | 7,085,000,000 | 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 | 558,000,000 | 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 | 98,717,000 | 97,968,000 | 94,371,000 | 91,079,000 | 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 | ||||||||||||||||
non-cash investing and financing activities: | ||||||||||||||||||||||||||||||||||||||||||||||||||||||
securitization of loans to mortgage-backed securities available-for-sale | ||||||||||||||||||||||||||||||||||||||||||||||||||||||
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 | 320,064,000 | 313,572,000 | 446,266,000 | 579,841,000 | 553,315,000 | ||||||||||||||||||||||||||||||||||||||
shares issued for restricted stock awards | 29,000,000 | 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 | 0 | 276,000 | 41,000 | 8,668,000 | |||||||||||||||||||||||||||||||
net | -36,000,000 | -70,000,000 | -100,000,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||
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 | -1,144,000 | -9,131,000 | -7,513,000 | -8,470,000 | -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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||
decrease in other miscellaneous assets | -49,000,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||||
increase in other miscellaneous liabilities | -9,000,000 | 75,000,000 | ||||||||||||||||||||||||||||||||||||||||||||||||||||
net cash from by operating 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 | 182,000 | 51,000 | 0 | 49,959,000 | 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 | -7,566,000 | -159,336,000 | -8,000,000 | -104,500,000 | -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 | ||||||||||||||
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 | |||||||||||||||||||||||||||||||||||||||||||||||||||
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 receipt (disbursement) of payments of loans serviced for others | -2,000,000 | -288,000,000 | 10,000,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||
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 | -135,000 | -206,000 | -114,000 | -8,222,000 | ||||||||||||||||||||||||||
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 | 45,046,000 | 9,983,000 | 125,207,000 | 2,000 | 10,698,000 | 73,972,000 | 18,819,000 | 8,532,000 | 96,329,000 | 66,053,000 | ||||||||||||||||||||||||||
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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||
benefit from credit losses | 3,569,000 | 13,016,000 | ||||||||||||||||||||||||||||||||||||||||||||||||||||
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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||
net receipt of payments of loans serviced for others | 336,000,000 | -415,000,000 | 556,000,000 | -189,000,000 | ||||||||||||||||||||||||||||||||||||||||||||||||||
net loss on securities | 0 | 0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||
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 | 21,000 | 10,000 | -7,589,000 | |||||||||||||||||||||||||||||||||||||||||||||
net gain on sales of fixed assets | 0 | 0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||
long-term asset impairment | ||||||||||||||||||||||||||||||||||||||||||||||||||||||
loss on business acquisition | 0 | |||||||||||||||||||||||||||||||||||||||||||||||||||||
goodwill impairment | ||||||||||||||||||||||||||||||||||||||||||||||||||||||
decrease in other assets | -31,000,000 | -586,000,000 | -64,000,000 | 23,000,000 | -26,613,000 | 55,923,000 | 3,615,000 | 293,865,000 | 12,625,000 | 60,249,000 | 17,154,000 | -9,311,000 | 17,458,000 | |||||||||||||||||||||||||||||||||||||||||
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 | 1,317,081,000 | 1,309,904,000 | 1,126,453,000 | 801,347,000 | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||
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 | 57,625,000 | 151,737,000 | 8,013,000 | 104,663,000 | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||
gain on business acquisition | 0 | 121,000,000 | 11,000,000 | 0 | -141,000,000 | -2,001,000,000 | ||||||||||||||||||||||||||||||||||||||||||||||||
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 | 7,272,000 | 9,598,000 | 80,000 | -21,286,000 | 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 | |||||||||||||||||||||||
provision for loan losses | 552,000,000 | 62,000,000 | ||||||||||||||||||||||||||||||||||||||||||||||||||||
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 | 320,754,000 | 317,036,000 | 452,144,000 | 585,616,000 | 559,261,000 | 14,798,000 | 18,639,000 | ||||||||||||||||||||||||||||||||||||
net loss on sales of loans | -28,000,000 | 4,000 | ||||||||||||||||||||||||||||||||||||||||||||||||||||
(purchases) dispositions of premises and equipment | 11,000,000 | -42,000,000 | -11,000,000 | -1,000,000 | ||||||||||||||||||||||||||||||||||||||||||||||||||
benefit from loan losses | 170,000,000 | 15,000,000 | 26,000,000 | 28,903,000 | 20,000,000 | 15,000,000 | 12,000,000 | 6,000,000 | 400,000 | |||||||||||||||||||||||||||||||||||||||||||||
amortization of core deposit intangible | 17,000,000 | 1,500,000 | ||||||||||||||||||||||||||||||||||||||||||||||||||||
net (gain) loss on sales of loans | -20,000,000 | -744,000 | ||||||||||||||||||||||||||||||||||||||||||||||||||||
decrease (increase) in other assets | 112,000,000 | 7,891,000 | 16,703,000 | 26,252,000 | 17,688,000 | -35,331,000 | 118,120,000 | |||||||||||||||||||||||||||||||||||||||||||||||
net (gain) loss on securities | ||||||||||||||||||||||||||||||||||||||||||||||||||||||
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: | ||||||||||||||||||||||||||||||||||||||||||||||||||||||
provision for (recovery of) loan losses | ||||||||||||||||||||||||||||||||||||||||||||||||||||||
origination of loans held for sale | -1,067,338,000 | -1,403,200,000 | -1,277,135,000 | -899,100,000 | -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 | |||||||||||||||||||||||||||||||||||||||||||||||||||
increase in other assets | 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 | |||||||||||||||||||||||||||||||||||||||
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 | -2,934,000 | -237,000 | -13,000 | -163,000 | -211,000 | |||||||||||||||||||||||||||||||||||||||||||||
net income on sales of loans | -2,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||||
net cash from (used in ) financing activities | ||||||||||||||||||||||||||||||||||||||||||||||||||||||
dispositions of premises and equipment | 0 | 0 | 1,245,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||
provision for (recovery of) credit losses | 20,601,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||||
purchase of premises and equipment | -438,000 | -14,514,000 | -8,726,000 | -50,176,000 | -10,763,000 | -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 | 397,000 | 542,000 | 606,000 | 846,000 | 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 | 142,439,000 | 179,823,000 | 253,794,000 | 1,923,149,000 | 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 | -203,122,000 | 0 | 0 | -10,086,000 | 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 | -213,932,000 | 97,493,000 | 23,409,000 | 113,206,000 | 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 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||
cash and cash equivalents at beginning of period | 0 | 0 | 537,674,000 | 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 | 23,409,000 | 650,880,000 | 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 | |||||||||||||||||||||||||||||
provision for (recoveries of) loan losses | ||||||||||||||||||||||||||||||||||||||||||||||||||||||
gain on visa shares sold | ||||||||||||||||||||||||||||||||||||||||||||||||||||||
proceeds from sale of visa shares | ||||||||||||||||||||||||||||||||||||||||||||||||||||||
purchase of federal home loan bank stock | -142,897,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||||
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 | ||||||||||||||||||||||||||||||||||||||||
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 | ||||||||||||||||||||||||||||||||||||||||||
proceeds received from follow-on common stock offering | ||||||||||||||||||||||||||||||||||||||||||||||||||||||
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 | ||||||||||||||||||||||||||||||||||||||
cash paid for prepayment penalties on borrowings | ||||||||||||||||||||||||||||||||||||||||||||||||||||||
transfers to other real estate owned from loans | 1,408,000 | 3,458,000 | 5,777,000 | 9,456,000 | 17,098,000 | 60,312,000 | 33,263,000 | 46,218,000 | 30,832,000 | 1,634,000 | ||||||||||||||||||||||||||||||||||||||||||||
benefit from (recoveries of) loan losses | ||||||||||||||||||||||||||||||||||||||||||||||||||||||
changes in assets and liabilities: | ||||||||||||||||||||||||||||||||||||||||||||||||||||||
gain on sales of loans | -16,074,000 | -19,386,000 | -21,461,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||
stock plan-related compensation | 8,160,000 | 8,207,000 | 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 | -35,588,000 | 112,724,000 | 50,385,000 | 23,283,000 | ||||||||||||||||||||||||||||||||||||||||||||||||||
(recovery of) provision for loan losses | -176,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||||
benefit from (recovery of) loan losses | 7,000 | |||||||||||||||||||||||||||||||||||||||||||||||||||||
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 | ||||||||||||||||||||||||||||||||||||||||||||||
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 | ||||||||||||||||||||||||||||||||||||||||
(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 |