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cash flows from operating activities:
net income	17,386,000	19,085,000	21,463,000	22,162,000	25,186,000	24,432,000	28,610,000	27,752,000	20,532,000	27,882,000	27,899,000	53,311,000	38,804,000	29,483,000	25,759,000	22,657,000	24,167,000	30,555,000	32,697,000	33,064,000	-4,926,000	18,638,000	16,533,000	23,450,000	24,971,000	18,980,000	21,173,000	26,732,000	24,071,000	15,702,000	5,427,000	9,956,000	12,816,000	7,680,000	12,018,000	6,052,000	9,128,000	3,661,000	4,205,000	5,229,000	4,698,000	5,133,000	5,262,000	4,932,000	5,164,000	5,117,000	4,707,000	1,938,000	4,968,000	4,988,000	4,436,000	4,041,000	4,959,000	5,373,000	5,647,000	5,459,000	5,073,000	5,103,000	5,106,000	5,784,000	5,238,000	4,952,000	4,404,000	3,567,000	4,534,000	3,599,000	3,953,000	3,722,000	3,535,000	4,006,000	3,126,000	277,000	-5,422,000	4,907,000	4,852,000	4,314,000	4,830,000	4,875,000	4,946,000	4,452,000	4,022,000	4,478,000	5,329,000	4,947,000	5,249,000
adjustments to reconcile net income to net cash from operating activities:
depreciation and amortization of premises and equipment	2,614,000	2,541,000	2,542,000	2,626,000	2,581,000	2,827,000	2,869,000	3,163,000	3,082,000	2,988,000	3,094,000	3,157,000	2,899,000	2,868,000	2,759,000	3,207,000	2,084,000	2,002,000	2,064,000	2,162,000	2,078,000	2,087,000	2,126,000	1,915,000	1,984,000	2,207,000	2,257,000	2,125,000	1,998,000	2,316,000	2,267,000	1,697,000	1,495,000	1,584,000	1,527,000	1,345,000	1,310,000	1,158,000	973,000	965,000	866,000	760,000	744,000	755,000	749,000	717,000	695,000	701,000	725,000	726,000	680,000	673,000	667,000	658,000	628,000	616,000	622,000	618,000	598,000	550,000	539,000	533,000	532,000	516,000	497,000	484,000	488,000	444,000	418,000	414,000	454,000	499,000	533,000	515,000	506,000	510,000	507,000	513,000	514,000	522,000	499,000	513,000	528,000	515,000	553,000
allocation of esop stock	294,000	274,000	292,000	316,000	282,000	249,000	267,000	436,000	504,000	466,000	664,000	658,000	601,000	576,000	671,000	1,141,000	336,000	368,000	352,000	269,000	258,000	261,000	347,000	393,000	381,000	401,000	400,000	369,000	283,000	483,000	483,000	227,000	219,000	228,000	245,000	196,000	160,000	152,000	149,000	163,000	152,000	147,000	141,000	139,000	140,000	140,000	151,000	151,000	145,000	122,000	120,000	117,000	122,000	122,000	119,000	110,000	109,000	158,000	73,000		73,000	73,000	73,000
stock compensation	869,000	808,000	1,738,000	1,569,000	1,383,000	1,591,000	1,541,000	944,000	1,574,000	1,508,000	1,828,000	1,619,000	1,619,000	1,848,000	1,552,000	1,184,000	1,505,000	1,489,000	1,237,000
net excess tax expense on stock compensation	0	0	195,000	0	0	0	365,000	0	-1,000	-6,000	250,000	1,000	-2,000	3,000	214,000		0
amortization of servicing asset	132,000	101,000	62,000	47,000	141,000	101,000	19,000	36,000	34,000	5,000	15,000	0	65,000	-2,000	14,000	12,000	10,000	25,000	25,000	28,000	44,000	9,000	12,000	9,000	11,000	11,000	11,000	12,000	14,000	15,000	57,000	18,000	20,000	22,000	25,000	32,000	38,000	42,000	45,000	-31,000	62,000	61,000	153,000	142,000	280,000	292,000	302,000	310,000	323,000	366,000	386,000	408,000	411,000	404,000	410,000		461,000	472,000	484,000									491,000	548,000	551,000	525,000	561,000	562,000	496,000	497,000	516,000	596,000	567,000	556,000
net (discount) premium amortization in excess of discount accretion on securities
net amortization of deferred costs on borrowings	0	93,000	146,000	163,000	154,000	157,000	152,000	153,000	148,000	150,000	147,000	132,000	140,000	139,000	137,000	136,000	199,000	277,000	212,000	198,000	187,000	105,000	63,000	55,000	53,000	54,000	54,000		65,000
amortization of intangibles	900,000	906,000	940,000
net accretion of purchase accounting adjustments	-529,000	-453,000	-238,000	-39,000	-770,000	-1,109,000	-947,000	-1,629,000	-1,771,000	-1,181,000	-1,267,000	-2,319,000	-2,049,000	-2,298,000	-3,086,000	-3,764,000	-3,920,000	-2,996,000	-3,804,000	-5,755,000	-4,511,000	-5,654,000	-5,637,000	-3,506,000	-2,789,000	-3,732,000	-4,067,000	-3,926,000	-4,003,000	-4,939,000	-3,865,000	-1,935,000	-2,220,000	-1,892,000	-2,169,000
net amortization of deferred fees/costs and premiums/discounts on loans	-2,390,000	-2,217,000	-2,451,000	-1,481,000	-471,000	-515,000	-588,000	-154,000	-122,000	-680,000	-138,000
benefit from credit losses	4,092,000	3,039,000	5,340,000	3,467,000	517,000	3,114,000	591,000	3,153,000	10,283,000	1,229,000	3,013,000										35,714,000	9,649,000	9,969,000
net gain on sale of fixed assets	0			0	37,000			0	0	-20,000	-6,000									-12,000	0				-22,000	0	-5,000																																																		0	0	-28,000
net income on sales of available-for-sale securities	8,000				0	-4,000	110,000		0	0	697,000																										0
net gain on equity investments	7,000	-488,000	-205,000
net gain on sales of loans	-900,000	-1,177,000	-858,000	-1,076,000	-505,000	-420,000	-357,000	-309,000	-66,000	-33,000	-20,000	-10,000	-168,000	-3,000	-177,000	-6,000	15,000	-1,279,000	-1,916,000	-6,348,000	-1,001,000	-756,000	-173,000	-1,000	0	-7,000	-8,000	-14,000	-31,000	-6,000	-617,000	-26,000	-17,000	-15,000	-42,000	-290,000	-347,000	-170,000	-179,000	-185,000	-260,000	-184,000	-193,000	-195,000	-226,000	-219,000	-132,000	-286,000	-316,000	-735,000	-801,000	-1,232,000	-1,318,000	-1,046,000	-1,122,000		-698,000	-609,000	-759,000
proceeds from sales of residential loans held for sale	146,634,000	143,609,000	105,849,000	128,583,000	65,802,000	45,464,000	30,322,000	20,447,000	15,470,000	18,697,000	3,881,000	2,350,000	9,539,000	3,000	724,000	656,000	1,741,000	30,835,000	69,416,000
residential loans originated for sale	-147,756,000	-148,478,000	-93,478,000	-125,682,000	-86,271,000	-42,404,000	-29,501,000	-25,304,000	-11,204,000
write down of other real estate owned	4,000
increase in value of bank owned life insurance	-1,774,000	-1,786,000	-1,852,000	-1,770,000	-615,000	-2,319,000	-1,862,000	-1,427,000	-1,390,000	-1,182,000	-1,281,000	-1,697,000	-1,356,000	-1,422,000	-2,103,000	-2,061,000	-1,640,000	-1,716,000	-1,415,000	-1,798,000	-1,530,000	-1,521,000	-1,575,000	-1,375,000	-1,431,000	-1,293,000	-1,321,000	-1,292,000	-1,337,000	-1,335,000	-1,141,000	-863,000	-881,000	-783,000	-772,000	-710,000	-659,000	-542,000	-319,000	-343,000	-348,000	-364,000	-446,000	-380,000	-382,000	-377,000	-338,000	-337,000	-420,000	-332,000	-315,000	-361,000	-376,000	-295,000	-306,000		-317,000	-284,000	-247,000		-220,000	-208,000	-196,000	-202,000	-202,000	-200,000	-231,000	-315,000	-308,000	-334,000	-324,000	-313,000	-305,000	-292,000	-280,000	-268,000	-321,000	-262,000	-273,000	-260,000	-315,000	-330,000	-375,000	-380,000	-420,000
net gain on sale of assets held for sale								226,000	-37,000			-12,000	-553,000				0							12,000	0			-79,000	0
increase in interest and dividends receivable						1,526,000	-628,000	-1,844,000	-2,097,000	-591,000	-2,638,000	-6,316,000	-4,204,000	-831,000	-747,000					5,402,000	-2,860,000	-9,881,000	-2,095,000	65,000	367,000	191,000	-1,020,000					-627,000	-591,000	-778,000	-269,000	-176,000	732,000	-595,000	-161,000		-6,000			73,000					223,000	-215,000	-119,000		-504,000					91,000	-314,000	639,000	-136,000	-131,000	-759,000		-1,000	165,000	-278,000						-246,000	-807,000	-185,000	-285,000	-500,000	-599,000	-228,000	-456,000	-278,000	-479,000	7,000	-33,000	-194,000
deferred tax benefit	14,000	62,000	-101,000						-60,000	-17,000	-16,000			-17,000	-30,000			-38,000	-57,000
decrease in other assets																	-6,317,000	8,241,000	27,442,000										5,360,000	4,334,000	3,758,000		258,000			10,148,000	-464,000	8,699,000	229,000	-188,000	547,000			-6,000					-441,000
increase in other liabilities	7,241,000	-6,100,000	-57,697,000	35,787,000	-73,493,000	-6,145,000	35,789,000	-110,679,000	47,376,000	57,474,000	-38,834,000	-7,243,000	79,845,000	66,810,000	39,272,000	2,024,000	-37,735,000	22,034,000	-21,610,000	3,209,000	11,114,000	12,670,000	47,501,000	-17,162,000	2,313,000	-2,287,000	34,084,000		-5,366,000						-1,552,000	-24,853,000	4,929,000	-3,063,000	2,206,000								-373,000	2,399,000	-968,000	-2,213,000	2,042,000	-2,777,000	1,514,000	-938,000	3,277,000	1,226,000				5,979,000	6,139,000	354,000	-2,755,000	-1,020,000	-1,541,000	-1,165,000	6,426,000	-683,000	-5,614,000	7,702,000	3,800,000	-4,011,000	-12,242,000	6,286,000	4,467,000	1,008,000
total adjustments	7,025,000	9,498,000	-23,249,000	22,641,000	-47,574,000	-716,000	17,502,000	-54,575,000	34,290,000	44,006,000	-3,525,000	-12,859,000	44,898,000	39,169,000	31,885,000	18,264,000	-43,918,000	71,374,000	4,176,000	-27,945,000	51,206,000	-1,077,000	47,163,000	-5,185,000	-2,455,000	2,417,000	16,896,000	3,586,000	3,953,000	10,808,000	2,272,000	7,479,000	19,681,000	10,566,000	-65,000	-19,151,000	20,677,000	4,479,000	3,756,000	1,569,000	1,144,000	6,123,000	-707,000	7,691,000	1,852,000	-2,866,000	984,000	6,743,000	1,733,000	2,469,000	8,183,000	1,346,000	-3,898,000	1,832,000	11,588,000	-4,625,000	6,881,000	-3,944,000	-1,503,000	3,587,000	9,155,000	3,574,000	3,247,000	-6,884,000	9,104,000	-10,619,000	9,574,000	2,607,000	-4,992,000	9,752,000	18,424,000	32,896,000	22,430,000	7,142,000	-25,987,000	2,855,000	-2,393,000	-21,887,000	2,557,000	-8,234,000	-5,947,000	-17,581,000	-1,542,000	-19,308,000	5,796,000
net cash from operating activities	24,411,000	28,583,000	-1,786,000	44,803,000	-22,388,000	23,716,000	46,112,000	-26,823,000	54,822,000	71,888,000	24,374,000	40,452,000	83,702,000	68,652,000	57,644,000	40,921,000	-19,751,000	101,929,000	36,873,000	5,119,000	46,280,000	17,561,000	63,696,000	18,265,000	22,516,000	21,397,000	38,069,000	30,318,000	28,024,000	26,510,000	7,699,000	17,435,000	32,497,000	18,246,000	11,953,000	-13,099,000	29,805,000	8,140,000	7,961,000	6,798,000	5,842,000	11,256,000	4,555,000	12,623,000	7,016,000	2,251,000	5,691,000	8,681,000	6,701,000	7,457,000	12,619,000	5,387,000	1,061,000	7,205,000	17,235,000	834,000	11,954,000	1,159,000	3,603,000	9,371,000	14,393,000	8,526,000	7,651,000	-3,317,000	13,638,000	-7,020,000	13,527,000	6,329,000	-1,457,000	13,758,000	21,550,000	33,173,000	17,008,000	12,049,000	-21,135,000	7,169,000	2,437,000	-17,012,000	7,503,000	-3,782,000	-1,925,000	-13,103,000	3,787,000	-14,361,000	11,045,000
cash flows from investing activities:
net increase in loans receivable	-370,147,000							-33,133,000	-46,698,000	-43,209,000	-120,505,000	-188,082,000	-292,487,000	-314,860,000	-331,568,000	-353,345,000	-145,669,000	53,867,000	-111,302,000	226,017,000	-3,711,000	-490,539,000	-160,211,000	-123,223,000								-80,625,000	-8,888,000	-32,466,000	-16,292,000			24,030,000	-14,382,000	-38,730,000	-30,345,000	-36,402,000	-41,169,000	-76,658,000	-3,817,000	-41,725,000	-30,652,000	-19,724,000												2,103,000	-359,000	-29,909,000	-13,780,000				-3,077,000					-557,000	-1,856,000	26,136,000	-52,899,000	-34,129,000	-44,845,000	-66,750,000	-34,464,000	-39,714,000					-905,000
proceeds from sales of non-performing loans	0	1,778,000	4,583,000
purchase of loan pools	0	0	-26,859,000
discounts received on purchased loan pool	0	0	2,562,000
purchase of debt securities available-for-sale	-706,062,000	-44,718,000	-6,943,000	-12,989,000	-229,515,000	-7,652,000	-6,628,000	-298,622,000	0	0	-4,287,000	-4,631,000	-1,294,000	-15,751,000	-47,817,000	-310,036,000	-82,613,000	-16,500,000	-100,921,000												-980,000
purchase of debt securities held-to-maturity				0	-902,000	-4,075,000	-1,994,000	0	-1,906,000	-8,217,000	-55,444,000	-223,085,000	-1,462,000	-8,807,000	-16,397,000	-66,415,000	-45,961,000	-156,755,000	-178,316,000
purchase of equity investments	-3,400,000	-60,000	-3,160,000	-50,000	-1,537,000	-213,000	-1,282,000	-278,000	-208,000	-439,000	-6,736,000	-3,431,000	-2,637,000	-1,006,000	-2,292,000	-1,385,000	-12,663,000	-61,839,000	-10,575,000	-42,793,000	-53,606,000	-84,000	-36,000	-54,000	-54,000	-53,000	-53,000	-53,000	-51,000	-45,000	-42,000
proceeds from maturities and calls of debt securities available-for-sale	2,350,000	1,750,000	1,500,000	3,667,000	460,000	9,800,000	5,610,000	5,426,000	1,150,000	300,000	15,500,000	20,249,000	20,450,000	18,750,000	45,000,000	9,885,000	32,985,000	38,000,000	22,850,000
proceeds from maturities and calls of debt securities held-to-maturity	17,454,000	10,858,000	16,146,000	3,015,000	7,712,000	2,488,000	9,002,000	5,485,000	2,475,000	4,485,000	6,980,000	5,115,000	7,426,000	5,395,000	12,305,000	15,917,000	9,655,000	5,905,000	6,565,000
proceeds from sales of debt securities available-for-sale	93,743,000			5,000,000	-273,000	2,004,000	390,000	0	0	0	1,300,000	0	5,000,000	2,400,000	22,857,000																1,137,000
proceeds from calls and sales of equity investments
principal repayments on debt securities available-for-sale	78,296,000	50,131,000	89,767,000	83,916,000	43,917,000	22,005,000	12,491,000										29,000	39,000	46,000
principal repayments on debt securities held-to-maturity	32,304,000	26,490,000	25,025,000	26,673,000	24,513,000	24,915,000	24,371,000	25,376,000	31,649,000	26,739,000	24,273,000	24,134,000	33,773,000	34,297,000	43,213,000	47,675,000	56,142,000	59,546,000	52,371,000
proceeds from bank owned life insurance	3,822,000	0	2,662,000	700,000	-656,000	1,067,000	1,745,000	0	155,000	0	230,000	1,212,000	468,000	313,000	2,189,000	2,926,000	1,176,000	6,656,000	2,120,000	712,000	0	155,000	155,000	154,000	403,000			0	0	155,000	2,553,000	314,000	155,000	0	155,000	0	155,000															0	0	0	158,000
proceeds from the redemption of restricted equity investments	81,720,000	71,546,000	55,760,000	9,272,000	16,907,000	34,170,000	20,850,000	420,000	23,117,000	47,298,000	58,129,000	69,688,000	55,396,000	82,952,000	26,591,000	1,090,000	284,000	482,000	344,000	15,836,000	627,000	25,146,000	36,581,000	36,641,000	30,618,000	32,522,000	22,754,000	23,001,000	32,482,000	28,232,000	23,092,000
purchases of restricted equity investments	-117,580,000	-75,912,000	-49,298,000	-19,361,000	-22,773,000	-41,160,000	-12,773,000	-11,702,000	-296,000	-36,853,000	-64,596,000	-101,410,000	-56,905,000	-102,295,000	-30,100,000	-1,198,000	-782,000	-802,000	-485,000	-36,000	-41,000	-12,232,000	-47,216,000	-36,902,000	-33,288,000	-36,284,000	-21,320,000	-22,640,000	-22,644,000	-44,796,000	-36,968,000
proceeds from sale of other real estate owned	510,000												0
proceeds from sales of assets held-for-sale				0				2,750,000	641,000			454,000	1,576,000	1,608,000	4,492,000	943,000	0	2,181,000	420,000
purchases of premises and equipment	-1,570,000	-1,393,000	-1,856,000	-1,618,000	-1,087,000	-4,182,000	-680,000	-1,646,000	-1,345,000	-2,564,000	-2,153,000	-1,749,000	-2,613,000	-4,037,000	-7,708,000	-15,546,000	-11,243,000	-9,914,000	-5,336,000	-5,714,000	-5,421,000	-1,795,000	-1,798,000	-1,830,000	-1,585,000	-820,000	-840,000	-1,063,000	-3,875,000	-4,623,000	-1,926,000	-39,667,000	-7,040,000	-1,030,000	-961,000	-2,090,000	-3,199,000	-505,000	-876,000	-815,000	-1,379,000	-823,000	-874,000	-803,000	-1,009,000	-1,184,000	-974,000	-1,744,000	-347,000	-1,359,000	-833,000	-673,000	-506,000	-826,000	-595,000	-413,000	-639,000	-616,000	-559,000	-1,204,000	-661,000	-392,000	-306,000	-1,378,000	-513,000	-712,000	-140,000	-1,656,000	-1,620,000	-1,106,000	-163,000	-284,000	-236,000	-1,165,000	-1,233,000	-737,000	-233,000	-250,000	-556,000	-476,000	-339,000	-386,000	-242,000	-348,000	-165,000
proceeds from disposal of premises and equipment				0	11,000
net cash consideration paid for acquisition
net cash from investing activities	-888,195,000	-23,680,000	123,612,000	-8,598,000	-153,594,000	147,989,000	120,603,000	-342,112,000	8,734,000	-7,971,000	-146,648,000	-411,830,000	-235,376,000	-249,117,000	-424,685,000	-751,367,000	-424,723,000	-78,593,000	-223,159,000	514,299,000	-82,300,000	-369,019,000	-85,149,000	-143,798,000	-98,798,000	61,841,000	8,633,000	10,585,000	59,541,000	-105,788,000	84,215,000	-181,589,000	-34,633,000	-85,622,000	-153,379,000	16,341,000	126,555,000	117,572,000	11,232,000	-43,872,000	-11,111,000	-10,726,000	-29,591,000	-43,283,000	4,432,000	-42,328,000	-30,194,000	22,841,000	16,510,000	-40,997,000	-29,775,000	37,306,000	6,588,000	-26,410,000	-10,241,000	-3,636,000	-6,768,000	24,582,000	-17,585,000	-26,964,000	-5,022,000	-8,722,000	-216,029,000	-108,494,000	27,775,000	14,963,000	-54,969,000	-9,573,000	26,519,000	21,698,000	23,505,000	22,976,000	-2,325,000	31,996,000	-52,073,000	-31,276,000	-31,595,000	-55,061,000	-28,872,000	-26,380,000	-63,764,000	-36,281,000	9,785,000	12,086,000	6,293,000
cash flows from financing activities:
increase in deposits	203,552,000	55,419,000	110,683,000		122,168,000	-242,801,000	-198,053,000		375,658,000	165,316,000	317,973,000		128,124,000	-224,573,000	323,641,000		359,124,000	-87,146,000	75,694,000	144,947,000	316,309,000	1,076,650,000	-29,963,000				27,089,000	-39,503,000			-51,139,000	-7,333,000	173,513,000	-21,535,000	11,204,000	-11,796,000	118,608,000	-13,275,000	37,771,000	-51,093,000	82,750,000	-39,251,000	80,791,000	-61,092,000			-26,632,000	-22,151,000	65,168,000	-36,548,000	20,623,000	-20,303,000				18,177,000	48,676,000	-6,558,000	-18,180,000	40,452,000	83,544,000	158,864,000	16,909,000	6,290,000	-6,661,000	51,100,000	39,338,000	16,442,000			4,048,000	-46,038,000	-19,397,000	-6,197,000	5,007,000	16,360,000	12,253,000	58,952,000	27,674,000	45,614,000			-5,786,000	18,649,000	-32,954,000
increase in short-term borrowings	3,362,000	-3,661,000	4,546,000	-20,616,000	1,142,000	13,180,000	-6,373,000	-9,857,000	8,504,000	3,489,000	1,814,000		-9,206,000	-12,287,000	-987,000	-24,523,000	1,817,000	7,010,000	6,011,000	-14,369,000	-9,998,000			-1,328,000	46,981,000	76,912,000	-16,586,000	3,716,000	-203,132,000	352,713,000	-27,205,000	34,342,000	-22,723,000	20,843,000	7,271,000								-75,393,000	116,397,000	-85,688,000	-21,185,000	15,222,000	103,353,000	-81,490,000	80,130,000	10,520,000		-17,250,000	20,605,000	2,693,000		-954,000	-34,515,000	39,350,000				201,496,000					8,447,000	-17,830,000	-28,242,000	-14,581,000	2,839,000	15,502,000	-57,279,000	42,557,000	10,783,000	9,569,000	33,964,000	4,122,000	937,000	8,920,000	4,326,000	14,599,000	-3,227,000	18,786,000
net proceeds from fhlb advances										-254,900,000	135,400,000	696,966,000	25,450,000
net proceeds from other borrowings					-4,833,000	-1,505,000	229,000,000
increase in advances by borrowers for taxes and insurance	4,949,000	-10,030,000	5,758,000	-4,251,000	2,114,000	-3,019,000	5,780,000	-7,289,000	1,857,000	-3,359,000	9,793,000	-4,052,000	1,817,000	-1,758,000	5,093,000	-1,909,000	933,000	301,000	3,684,000	-2,808,000	522,000	-5,349,000	4,832,000	-2,346,000	1,413,000	-321,000	1,072,000	-2,588,000	-1,119,000	5,799,000	818,000	-3,215,000	-665,000	160,000	846,000	2,049,000	-1,541,000	1,628,000	150,000	-687,000	-37,000	360,000	1,162,000	-393,000	-180,000	4,000	421,000	-1,759,000	423,000	-140,000	561,000	90,000	-1,274,000	254,000	1,203,000	407,000	-1,226,000	77,000	908,000		-485,000	220,000	594,000		-893,000	225,000	910,000	-793,000	63,000	1,230,000	-753,000	-7,000	1,264,000	-820,000	740,000	1,169,000	-243,000	734,000	1,737,000	-568,000	289,000	503,000	-525,000	477,000	837,000
exercise of stock options	42,000	17,000	119,000	523,000				109,000	0	-15,000	608,000	78,000	95,000	-38,000	289,000	113,000	5,000	66,000	1,762,000	67,000	296,000	221,000	657,000	190,000	350,000	276,000	519,000	388,000	-381,000	1,861,000	3,456,000	162,000	161,000	827,000	2,204,000	1,341,000	1,362,000	1,191,000	95,000		85,000	118,000	47,000	0	84,000	0	265,000		18,000				213,000	146,000	60,000	7,000	-1,000	25,000	13,000	0	0			2,000	67,000			0	44,000	57,000	287,000	10,000	750,000	232,000	477,000	750,000	216,000	479,000	952,000	517,000	317,000	2,261,000	405,000	387,000	2,903,000
payment of employee taxes withheld from stock awards and phantom stock units	0	0	-1,383,000		-147,000	-15,000	-2,192,000		-4,000	-38,000	-2,308,000
purchase of treasury stock	-42,000	-17,411,000	-6,897,000	5,000	-1,399,000	-4,963,000	-15,119,000					0	0	-5,252,000	-2,144,000	-5,431,000	-9,689,000	-10,945,000	-9,994,000	0	0	0	-14,814,000	-8,012,000	-10,656,000	-3,593,000	-3,805,000														-2,005,000	-3,695,000	-757,000	-3,616,000	-542,000				-3,595,000	-870,000	-3,642,000		-2,882,000	-5,749,000	-1,565,000																0	0	-1,112,000	-2,506,000	-6,267,000	-6,515,000	-2,510,000	-4,438,000	-7,148,000	-3,889,000	-3,229,000	-6,256,000	-6,694,000	-4,617,000	-6,751,000
dividends paid	-11,451,000	-12,655,000	-12,690,000	-12,658,000	-12,661,000	-12,707,000	-12,854,000	-12,848,000	-12,826,000	-12,841,000	-12,759,000	-12,732,000	-12,756,000	-11,026,000	-10,997,000	-11,073,000	-11,104,000	-11,177,000	-11,156,000	-11,194,000	-11,229,000	-10,220,000	-10,274,000	-8,298,000	-8,639,000	-8,660,000	-8,644,000	-8,139,000	-7,151,000	-7,169,000	-7,105,000	-4,847,000	-4,882,000	-4,770,000	-4,787,000	-3,827,000	-3,308,000	-3,284,000	-2,197,000	-2,197,000	-2,208,000	-2,142,000	-2,146,000	-2,170,000	-2,006,000	-2,030,000	-2,035,000		-2,057,000	-2,062,000	-2,089,000																	-2,343,000	-2,343,000	-2,339,000	-2,262,000	-2,263,000	-2,259,000	-2,262,000	-2,297,000	-2,338,000	-2,345,000	-2,361,000	-2,414,000	-2,415,000	-2,438,000	-2,441,000	-2,463,000	-2,489,000	-2,247,000
redemption of preferred stock	0
distributions to non-controlling interest	0	0	-266,000					0	0			-200,000	-176,000
net cash from provided by financing activities	967,310,000	1,975,000	-81,720,000
net increase in cash and due from banks and restricted cash	103,526,000	6,878,000	40,106,000		32,973,000	50,776,000	-23,296,000		-48,865,000	-38,486,000	328,247,000					-782,888,000	-103,417,000	-78,664,000	-128,908,000	280,254,000	259,099,000	472,093,000	173,989,000	-22,453,000	762,000	-627,000	33,216,000	-26,765,000
cash and due from banks and restricted cash at beginning of period	0	0	123,615,000		0	0	153,718,000		0	0	167,986,000		0	0	224,784,000		0	0	1,318,661,000		0	0	133,226,000		0	0	122,328,000	0
cash and due from banks and restricted cash at end of period	103,526,000	6,878,000	163,721,000		32,973,000	50,776,000	130,422,000		-48,865,000	-38,486,000	496,233,000		-18,351,000	-22,117,000	211,176,000		-103,417,000	-78,664,000	1,189,753,000		259,099,000	472,093,000	307,215,000		762,000	-627,000	155,544,000	-26,765,000
supplemental disclosure of cash flow information:
cash and due from banks at beginning of period	0	0	123,615,000		0	0	153,718,000		0	0	167,946,000		0	0	204,949,000		0	0	1,272,134,000		0	0	120,544,000		0	0	120,792,000	0	0	0	109,613,000		0	0	301,373,000		0	0	43,946,000		0	0	36,117,000		0	0	33,958,000		0	0	62,544,000		0	0	77,527,000		0	0	31,455,000		0	0	23,016,000		0	0	18,475,000	0	0	27,547,000	0	0	32,204,000	0	0	31,108,000	0	0	74,021,000	0	0	36,172,000	0	0	17,192,000
restricted cash at beginning of period									0	0	40,000		0	0	19,835,000		0	0	46,527,000		0	0	12,682,000		0	0	1,536,000
cash and due from banks at end of period	103,526,000	6,878,000	163,721,000		32,973,000	50,776,000	130,422,000		-48,865,000	-38,446,000	496,193,000		-18,351,000	-21,900,000	210,919,000		-102,903,000	-89,636,000	1,173,665,000		259,821,000	464,579,000	256,470,000		-7,426,000	14,092,000	134,235,000	-27,570,000	-106,107,000	135,105,000	119,364,000		147,598,000	-67,592,000	175,252,000		245,361,000	31,961,000	34,261,000		10,217,000	5,567,000	34,792,000		-16,160,000	7,071,000	36,746,000		1,678,000	-28,984,000	71,361,000		15,453,000	1,817,000	38,095,000		41,523,000	-2,428,000	31,362,000		-1,320,000	10,068,000	20,884,000		-656,000	-1,346,000	23,769,000	-2,016,000	-3,982,000	32,728,000	1,110,000	-6,609,000	34,955,000	3,756,000	9,201,000	24,010,000	-14,218,000	1,257,000	44,575,000	-9,966,000	15,537,000	33,272,000	108,000	6,905,000	35,104,000
restricted cash at end of period											40,000		0	-217,000	257,000		-514,000	10,972,000	16,088,000		-722,000	7,514,000	50,745,000		8,188,000	4,014,000	2,576,000	805,000
cash paid during the period for:
interest	72,127,000	66,879,000	66,648,000	100,950,000	73,913,000	82,583,000	62,818,000	76,455,000	62,660,000	52,376,000	33,914,000	21,747,000	12,894,000	9,971,000	5,088,000	9,372,000	7,066,000	10,567,000	10,376,000	14,960,000	15,414,000	16,787,000	19,293,000	13,022,000	13,749,000	13,052,000	12,492,000	9,810,000	10,424,000	9,293,000	6,920,000	5,886,000	4,631,000	4,436,000	5,266,000	4,269,000	3,425,000	3,022,000	2,485,000	2,299,000	2,492,000	2,122,000	2,015,000	2,046,000	1,968,000	1,630,000	1,599,000	1,961,000	2,480,000	2,670,000	2,858,000	3,151,000	3,463,000	3,711,000	3,826,000	4,293,000	4,415,000	4,704,000	5,052,000	5,821,000	6,252,000	6,056,000	6,150,000	6,474,000	7,316,000	8,275,000	8,858,000	10,684,000	11,622,000	13,412,000	15,401,000	15,936,000	16,253,000	15,776,000	13,307,000	12,606,000	11,103,000	9,911,000	9,510,000	9,128,000	8,326,000	8,289,000	9,226,000	9,322,000	9,979,000
income taxes	4,704,000	11,392,000	1,565,000	6,896,000	7,186,000	17,806,000	1,898,000	1,180,000	8,075,000	18,808,000	1,268,000	12,750,000	9,000,000	3,060,000	573,000	11,817,000	13,008,000	25,131,000	568,000	510,000	2,300,000			3,500,000	5,240,000	11,250,000	16,000	2,174,000	14,000			6,000,000	6,000	0	2,000	3,848,000	2,400,000			2,700,000	7,100,000	600,000	162,000	2,800,000	2,400,000	5,361,000	1,240,000	1,343,000	1,332,000	5,186,000	275,000	2,900,000	300,000	5,806,000	12,000	1,829,000	3,719,000	7,762,000	4,900,000	2,756,000	1,948,000	3,000,000	2,805,000	3,001,000	2,000,000	4,861,000	7,000	2,409,000	2,100,000	20,000	141,000	7,000	79,000	2,047,000	1,838,000	62,000	7,986,000	323,000	8,710,000	111,000	224,000	6,939,000	99,000	250,000	7,654,000
non-cash activities:
accretion of unrealized loss on securities reclassified to held-to-maturity	97,000	183,000	108,000	108,000	105,000	97,000	103,000	50,000	181,000	137,000	135,000	139,000	147,000	150,000	154,000	155,000	161,000	171,000	180,000	186,000	182,000	189,000	199,000	362,000	210,000	208,000	211,000	215,000	226,000	2,191,000	273,000	280,000	300,000	272,000	293,000	352,000	375,000
net loan charge-offs	617,000	2,218,000	636,000	-158,000	-88,000	1,452,000	349,000	111,000	8,148,000											2,942,000	14,995,000	-232,000	1,154,000	139,000	-196,000	1,910,000	-492,000		777,000	1,382,000	-275,000		1,138,000
transfer of securities from held-to-maturity to available-for-sale				0	0	0	500,000
transfer of loans receivable to other real estate owned	310,000	6,381,000	106,000																	0	0	0	106,000	-30,000	204,000	115,000	674,000	352,000	0	267,000	373,000	337,000	2,072,000	999,000	318,000	166,000	779,000	413,000	475,000					-47,000	2,584,000	1,146,000	606,000	428,000	1,432,000	922,000	574,000	638,000	1,282,000	1,863,000	267,000
transfer of loans receivable to loans held-for-sale	0	1,778,000	4,583,000									0	1,167,000	0	12,011,000
net premium amortization in excess of discount accretion on securities		37,000	45,000	309,000	212,000	335,000	14,000	-685,000	1,806,000	919,000	1,093,000	1,642,000	1,808,000	1,855,000	1,859,000	2,747,000	2,796,000	1,456,000	1,467,000	871,000	711,000	573,000	842,000	845,000	749,000	765,000	873,000	905,000	923,000	964,000	1,101,000	1,063,000	963,000	722,000	468,000	361,000	446,000	461,000	388,000	408,000	443,000	544,000	596,000	655,000	689,000	735,000	737,000	806,000	949,000	946,000	966,000	941,000	945,000	780,000	800,000	782,000	534,000	460,000	590,000	703,000	429,000	381,000	291,000	149,000	148,000	185,000	96,000	17,000	5,000	10,000	10,000	29,000	42,000	61,000	55,000	78,000	184,000	234,000	237,000	358,000	396,000	229,000	516,000	246,000	224,000
net income on sale of other real estate owned																														633,000	56,000		358,000	13,000	366,000																				30,000
decrease in interest and dividends receivable																																											32,000
decrease (increase) in other assets		17,644,000	15,409,000							-16,797,000	23,221,000									14,729,000	2,115,000	-10,691,000	10,877,000																				1,570,000									-4,000	1,937,000						185,000	174,000
net repayment of fhlb advances		47,666,000	-181,590,000
net income on sale of fixed assets			2,000																														6,000	0	7,000	0
decrease (increase) in interest and dividends receivable			1,071,000	2,907,000												-94,000	-4,498,000	4,805,000	2,450,000											-247,000	453,000															44,000	19,000								51,000	-28,000														290,000
net decrease in loans receivable			13,723,000																							26,042,000	21,335,000																							-6,179,000	20,002,000		410,000	2,109,000	5,998,000									-10,590,000	19,184,000
net gain on sale of other real estate owned													0																								63,000	80,000	65,000		28,000	-45,000	-67,000		-107,000	-13,000	-31,000		122,000
net write-down of fixed assets held-for-sale to net realizable value
net (gain) loss on equity investments				5,000	-1,420,000	-887,000	-1,923,000
net income on sale of available-for-sale securities
net (gain) loss on sale of assets held for sale				0											-1,200,000
increase in other assets						-2,417,000	-20,997,000					4,349,000	-29,088,000	-40,717,000	-14,777,000									-5,085,000	-7,870,000	-2,904,000	-17,012,000								-5,141,000											531,000	-438,000				-242,000				-673,000	-435,000	-111,000					760,000	-933,000	-6,993,000	-349,000	122,000	-651,000	-377,000	103,000	-655,000	-1,499,000	235,000	-598,000	171,000	-184,000	-614,000	-80,000	210,000	-434,000	377,000	1,172,000	-1,942,000	534,000	24,000	-701,000
net decrease (increase) in loans receivable				25,650,000	-1,510,000	105,453,000	69,501,000																					17,954,000	32,965,000	-14,910,000	67,880,000					38,013,000																				22,034,000	27,664,000	14,236,000	22,356,000										22,381,000	18,165,000												8,708,000
purchases of loan pools
discounts received (premiums paid) on purchased loan pools
proceeds from sale of loans												0	1,221,000	0	12,167,000	0	0			377,858,000	0
proceeds from sales of equity investments
cash flows from investing activities
proceeds from sales of other real estate owned																				142,000	390,000	234,000	89,000	0	725,000	785,000	550,000		363,000	45,000	238,000		1,277,000	632,000	868,000		1,479,000	1,506,000	208,000		324,000	523,000	875,000		1,193,000	648,000	525,000		471,000	451,000	992,000		1,215,000	521,000	169,000
purchases of operating lease equipment												0
net cash consideration (paid) received for acquisition
net increase in deposits
net proceeds (repayment) from fhlb advances
repayments of other borrowings												-28,000	-24,000	-26,000	-35,026,000	-27,000	-28,000	-28,000	-7,529,000	-8,029,000	-27,000	-26,000	-27,000	-47,000	-45,000	-81,000	-90,000	-97,000	-150,000							0	0
payment of employee taxes withheld from stock awards												-29,000	-1,000	-34,000	-1,438,000	-7,000	-1,000	-81,000	-1,094,000	0	-33,000	-79,000	-1,972,000	-72,000	-195,000	-45,000	-2,546,000	-60,000	-568,000	-2,200,000	-467,000	-116,000	-189,000	-261,000	-956,000
net cash from financing activities				-126,761,000	208,955,000	-120,929,000	-190,011,000	113,771,000	-112,421,000	-102,403,000	450,521,000	368,656,000	133,323,000	158,348,000	353,433,000	-72,442,000			57,378,000	-239,164,000	295,119,000	823,551,000	195,442,000	103,080,000	77,044,000	-83,865,000	-13,486,000	-67,668,000	-192,941,000	214,383,000	-82,163,000	18,509,000	149,734,000	-216,000	15,305,000	-13,452,000	89,001,000	-93,751,000	-28,878,000	30,444,000	15,486,000	5,037,000	23,711,000	39,120,000	-27,608,000	47,148,000	27,291,000	-41,619,000	-21,533,000	4,556,000	25,973,000	-35,514,000	7,804,000	21,022,000	-46,426,000	9,872,000	36,337,000	-28,169,000	13,889,000	19,416,000	-10,691,000	10,264,000	206,246,000	113,060,000	-42,069,000	-9,289,000	46,736,000	1,228,000	-29,044,000	-30,275,000	-43,945,000	-62,758,000	-11,932,000	-40,289,000	82,409,000	17,009,000	14,940,000	73,330,000	-8,077,000		81,226,000	46,484,000	-13,464,000	9,180,000	574,000
net decrease in cash and due from banks and restricted cash													-18,351,000	-22,117,000	-13,608,000
cash and due from banks and restricted cash at beginning of year
cash and due from banks and restricted cash at end of year
cash and due from banks at beginning of year
restricted cash at beginning of year
cash and due from banks at end of year
restricted cash at end of year
cash paid during the year for:
transfer of premises and equipment to assets held-for-sale								0	0			0	0	0	2,776,000	2,559,000	943,000			-90,000	0			582,000	345,000			0	1,867,000			651,000	-676,000
settlement of preexisting loan receivable from spring garden
amortization of core deposit intangible					803,000	810,000	844,000	976,000	987,000	994,000	1,027,000	1,159,000	1,171,000	1,178,000	1,210,000	1,343,000	1,354,000	1,361,000	1,395,000	1,526,000	1,538,000	1,544,000	1,578,000	998,000	1,009,000	1,015,000	1,005,000	983,000	994,000	1,002,000	832,000	495,000	507,000	513,000	524,000	304,000	181,000	125,000	13,000	13,000
net write down of fixed assets held-for-sale to net realizable value									0				24,000	-1,000	1,404,000		2,562,000	125,000	427,000
deferred tax provision					15,000	-502,000	1,422,000									3,038,000					-62,000	-84,000	245,000	15,717,000	-44,000	-68,000	448,000
net proceeds (repayment) of fhlb advances
net income on sale of assets held for sale																			22,000
proceeds from sale of equity investments									0	4,161,000	661,000		1,501,000	13,155,000	4,579,000		0	-284,000	99,060,000	16,087,000	2,000
net (repayment) proceeds from fhlb advances							-190,200,000	242,580,000
premiums paid on purchased loan pools
net cash consideration received for acquisition													0								0	0	23,460,000
net payment for sale of branches
acquisition of common stock by esop																												0	0
transfer of debt securities from available-for-sale to held-to-maturity
net income on equity investments									-1,452,000	559,000	6,801,000
purchase of residential loan pool													0	0	-161,701,000
premiums paid on purchased loan pool													0	0	-495,000
acquisition:
non-cash assets acquired:
other current assets													0
premises and equipment													0								0	0	9,744,000		0	0	3,389,000		0	-409,000	20,301,000
right of use (“rou”) asset													0
other assets													0								805,000	-809,000	10,077,000		0	-92,000	1,497,000		-16,000	0	5,262,000					35,369,000	0			-230,000
total non-cash assets acquired													0								18,000	8,000	1,958,608,000		5,000	-41,000	471,155,000		-1,290,000	35,000	2,163,125,000					1,015,540,000	-116,000			0
liabilities assumed:
lease liability													0
other liabilities													0								18,000	8,000	33,602,000		5,000	-41,000	5,051,000		-1,290,000	35,000	13,007,000					16,912,000	-116,000			0
total liabilities assumed													0								18,000	8,000	1,720,623,000		5,000	-41,000	454,069,000		-1,290,000	35,000	1,756,827,000					895,679,000	-116,000			0
mortgage loans originated for sale											-5,056,000		-12,974,000	0	-703,000		-910,000	12,126,000	-65,151,000	-78,521,000	-58,052,000	-51,573,000	-25,282,000	0	-110,000	-402,000	-495,000	5,000	-1,161,000	-1,172,000	-170,000	-1,321,000	-1,161,000	-751,000	-639,000	-22,864,000	-3,260,000	-12,229,000	-9,590,000	-6,855,000	-15,235,000	-12,221,000	-12,799,000	-9,251,000	-11,605,000	-11,078,000	-10,637,000	-16,441,000	-18,945,000	-31,037,000	-33,191,000	-41,711,000	-46,841,000	-44,330,000	-38,117,000	-44,823,000	-27,362,000	-27,707,000	-36,470,000	-66,565,000	-51,329,000	-22,148,000	-25,293,000	-40,907,000	-52,932,000	-94,569,000	-46,357,000	-16,692,000	-33,247,000	-26,643,000	-52,495,000	-88,923,000	-139,924,000	-246,098,000	-195,994,000	-95,388,000	-207,859,000	-198,149,000	-138,205,000	-164,670,000	-92,009,000	-103,572,000	-163,621,000	-187,736,000	-139,007,000
net loan recoveries											-47,000		-252,000	9,000	-92,000																				268,000
net amortization of deferred costs and discounts on loans												780,000	-65,000	159,000	255,000	636,000	536,000	-367,000	437,000	3,737,000	629,000	466,000	40,000		680,000	264,000	84,000		198,000	264,000	31,000			142,000	30,000		-143,000	-102,000	128,000		16,000	48,000	22,000		26,000	28,000	7,000		139,000	139,000	162,000		203,000	255,000	192,000		229,000	163,000	259,000		258,000	260,000	172,000		263,000	329,000	113,000	304,000	267,000	156,000	201,000	313,000	215,000	214,000	194,000	98,000
credit loss expense
net gain on sale and write-down of other real estate owned
purchases of loans receivable
proceeds from sales of debt securities held-to-maturity
cash consideration received for acquisition
decrease in short-term borrowings																							-50,297,000														-59,421,000	-42,441,000	-73,959,000		-66,872,000																				-71,559,000				3,250,000	-40,808,000	-11,268,000
repayments of fhlb advances
net proceeds from issuance of subordinated notes																				0	-537,000															-1,000
proceeds from federal reserve bank advances																					0
repayments from federal reserve bank advances
net proceeds from the issuance of preferred stock																				0	-184,000
net loan (recoveries) charge-offs																0	-386,000	224,000	-280,000
benefit for credit losses													1,016,000	1,254,000	1,851,000		-3,179,000	-6,460,000	-620,000
net (gain) loss on sale of fixed assets																													1,000	0	-27,000
net gain on equity securities													-3,362,000	8,078,000	2,786,000			-576,000	-8,287,000
deferred tax (benefit) expense
proceeds from fhlb advances															75,002,000
net excess tax benefit on stock compensation																			90,000	0	0	422,000	-299,000	-114,000	-3,000	-10,000	-230,000	0	-150,000	-447,000	-125,000	-123,000	-157,000
credit loss (benefit) expense
net (gain) loss on sale and write-down of other real estate owned																										59,000	-89,000
cash held in escrow for acquisitions
net (gain) loss on equity securities
securities																					0	0	208,880,000		0	0	103,775,000		0	0	254,522,000					92,983,000	0			0
restricted equity investments																					0	0	5,334,000		0	0	313,000		0	0	16,967,000
loans																					0	-1,017,000	1,559,497,000		75,000	686,000	307,017,000		-174,000	-601,000	1,517,947,000					773,100,000	773,000			270,000
accrued interest receivable																					0	0	4,161,000		0	3,000	1,387,000		0	0	5,621,000
bank owned life insurance																					0	0	22,440,000		0	0	10,460,000		0	0	85,238,000
deferred tax assets
goodwill and other intangible assets																					-623,000	1,379,000	139,275,000		-55,000	-504,000	39,339,000		-869,000	1,454,000	198,915,000					86,032,000	-560,000			-23,000
deposits																					0	0	1,594,403,000		0	0	449,018,000		0	0	1,616,073,000					875,073,000	0			0
borrowings																					0	0	92,618,000						0	0	127,747,000
proceeds from federal home loan bank advances																				0	0	65,000,000	460,000,000	45,000,000								0	5,000,000			161,000	0	45,000,000	10,000,000	15,000,000	5,000,000	15,000,000	20,000,000	10,000,000	15,000,000	130,000,000	60,000,000	45,000,000	15,000,000							0	0	30,000,000	25,000,000	15,000,000	20,000,000	104,000,000	15,000,000	50,000,000	0	16,000,000	12,000,000	10,000,000	10,000,000	37,000,000	-15,000,000	5,000,000	30,000,000	80,000,000	85,000,000	25,000,000	10,000,000	5,000,000	19,000,000	36,000,000	34,000,000	40,000,000	31,000,000	4,000,000	20,000,000
repayments of federal home loan bank advances																				-344,000,000	0	-333,500,000	-162,700,000	-30,000,000	-20,626,000	-45,497,000	-10,495,000	-10,548,000	-15,544,000	-40,542,000	-521,000	-484,000	-481,000	-480,000	-477,000	-475,000	-630,000	-72,580,000	-468,000	-5,621,000				-20,000,000	-30,000,000	-40,000,000	-20,000,000	-164,000,000	-15,000,000			0	0	-20,000,000	-21,000,000	0	-8,000,000	-15,000,000	-31,000,000	0	-40,000,000	-20,000,000	-25,000,000	-10,000,000	-35,000,000	-33,000,000	-30,000,000	-30,000,000	-38,000,000	-23,000,000	-30,000,000	-33,000,000	-22,000,000	-49,000,000	-49,000,000	-29,000,000	-17,000,000	-13,000,000	-47,000,000	-54,000,000	-23,000,000	-3,000,000	-44,000,000
net cash (used) provided by financing activities
deferred tax asset																					-164,000	455,000	-800,000		-15,000	-134,000	3,978,000		-231,000	-409,000	58,352,000					6,533,000	-390,000			-17,000
stock awards																				529,000	1,250,000	1,371,000	1,108,000	721,000	538,000	1,690,000	912,000	508,000	743,000	979,000	808,000	503,000	474,000	474,000	730,000	324,000	425,000	426,000	330,000	315,000	347,000	346,000	292,000	250,000	249,000	249,000	180,000	162,000	181,000	171,000	157,000	195,000	34,000	187,000	175,000	125,000	257,000	257,000	265,000	266,000	266,000	266,000	249,000	210,000	213,000	162,000	149,000
net income on sale and write-down of other real estate owned																							-2,000	0
proceeds from sales of mortgage loans held for sale																				57,555,000	58,174,000	47,861,000	7,673,000	111,000	0	409,000	503,000		1,380,000	426,000	247,000		1,007,000	881,000	1,949,000		18,132,000	10,475,000	9,080,000		14,643,000	16,971,000	11,173,000		9,945,000	11,056,000	10,312,000		19,316,000	32,783,000	36,284,000	41,477,000	47,934,000	43,376,000	44,116,000	39,205,000	29,090,000	26,730,000	40,680,000	64,909,000	51,039,000	21,255,000	29,617,000	40,698,000	62,139,000	83,369,000	48,794,000	19,617,000	31,168,000	28,435,000	54,669,000	135,003,000	162,701,000	249,165,000	167,566,000	97,710,000	216,228,000	169,286,000	163,899,000	149,955,000	81,282,000	91,651,000	161,358,000	167,221,000	149,411,000
purchase of debt investment securities available-for-sale																				-20,032,000	-26,935,000	-20,572,000	-9,980,000	-25,052,000	-15,100,000	-10,053,000	-9,953,000	-5,030,000	0
purchase of debt investment securities held-to-maturity																				-28,145,000	0			-804,000	0	-1,500,000	-2,077,000	-2,469,000	0	-1,350,000	-2,667,000
purchase of debt mortgage-backed securities held-to-maturity																				-116,813,000	-69,366,000
proceeds from maturities and calls of debt investment securities available-for-sale																				2,402,000	9,993,000	20,885,000	10,223,000	852,000	11,823,000	10,374,000	6,250,000	5,155,000	172,000
proceeds from maturities and calls of debt investment securities held-to-maturity																				12,376,000	17,194,000	11,388,000	13,001,000	17,709,000	12,050,000	6,765,000	6,732,000	11,297,000	6,868,000
proceeds from sales of debt mortgage backed securities held-to-maturity
proceeds from sales of debt investment securities available-for-sale																				4,729,000	0	0	5,869,000
principal repayments on debt mortgage-backed securities available-for-sale																				50,000	71,000						138,000
principal repayments on debt investment securities held-to-maturity																				0	210,000	337,000	310,000		575,000	682,000	77,000
principal repayments on debt mortgage-backed securities held-to-maturity																				58,004,000	48,293,000	44,442,000	35,091,000	34,551,000	31,494,000	30,469,000	27,319,000	27,408,000	31,847,000
proceeds from sales of assets held for sale																								1,941,000	0			2,562,000	2,857,000
cash consideration received (paid) for acquisition, net of cash received																								0	0	0	59,395,000
proceeds from federal reserve bank term advances
repayments from federal reserve bank term advances
transfer of loans receivable to loans held for sale
unsettled trades of debt investment securities available-for-sale
unsettled trades of debt investment securities held-to-maturity
unsettled trades of equity securities
net income on sale and write down of fixed assets held-for-sale to net realizable value
net unrealized gain on equity securities																					3,576,000	-201,000	-155,000
purchase of loans receivable																									0	0	-101,674,000		-25,873,000				0	-11,598,000	-5,029,000	-24,619,000	0	0	-12,942,000	0	-14,868,000	0	-7,186,000	0	0
write down of fixed assets held for sale to net realizable value																									1,463,000			280,000	2,958,000	782,000	4,000	-266,000	1,368,000
proceeds from sale of under performing loans																							9,313,000	0	3,576,000			1,688,000	4,430,000	0	4,294,000
federal funds sold at end of period																											18,733,000
net amortization of deferred fees and discounts on loans																																																																													-5,000	189,000	128,000						-268,000
benefit from loan losses																								355,000	305,000	356,000	620,000	506,000	907,000	706,000	1,371,000	1,415,000	1,165,000	1,165,000	700,000	510,000	888,000	662,000	563,000	300,000	300,000	300,000	375,000	825,000	1,000,000	275,000	530,000	200,000	700,000	800,000	1,100,000	3,100,000	1,400,000	1,700,000	1,700,000	2,000,000	1,850,000	2,200,000	1,700,000	2,000,000	1,600,000	2,200,000	2,200,000	2,200,000	1,500,000	1,200,000	800,000	400,000	400,000	375,000	75,000	110,000	340,000	50,000	0	50,000	100,000	200,000	50,000	50,000	50,000	50,000	48,000	250,000	375,000
write-down of fixed assets held for sale to net realizable value
net unrealized (gain) loss on equity securities																								63,000	-89,000	-133,000	-108,000
decrease in deposits																									33,461,000																														-25,639,000															-2,981,000												-8,909,000
federal funds sold at beginning of period
tax benefit of stock plans																																				290,000	32,000	10,000	-270,000		5,000	1,000	7,000		7,000	0	50,000					-126,000																			16,000	1,000	320,000			293,000	472,000	702,000	387,000	121,000	82,000	1,291,000
net amortization of deferred costs and discounts on borrowings																															65,000	41,000	-31,000	32,000	32,000
net amortization (accretion) of deferred fees and discounts on loans
net income on sales of other real estate owned
net (gain) loss on sales of fixed assets
net unrealized loss on equity securities																												-83,000	70,000	74,000	138,000
net income on sales of investment securities available for sale
proceeds from sales of mortgage loans held-for-sale
decrease in other liabilities																															-3,454,000										-419,000	95,000	-2,300,000		1,903,000													-5,657,000	-8,860,000																			7,551,000	-21,577,000		3,853,000	-4,238,000	976,000	583,000	-4,217,000
proceeds from maturities and calls of debt mortgage backed securities held-to-maturity
net proceeds from sales of other real estate owned
cash acquired, net of cash paid for branch acquisition																																				0	0	0	16,727,000
cash acquired, net of cash consideration paid for acquisitions
non-cash investing activities:
loans charged-off																																				2,213,000	680,000	198,000	1,071,000	216,000	196,000	185,000	273,000	818,000	5,626,000	273,000	526,000	157,000	633,000	474,000	1,116,000
cash consideration paid for acquisition, net of cash received																													0	0	-3,743,000
net increase in cash and due from banks																														135,105,000	9,751,000	-145,645,000	147,598,000			-10,210,000	245,361,000			-6,630,000	10,217,000	5,567,000	-1,325,000			7,071,000	2,788,000				8,817,000	7,179,000				7,070,000	41,523,000			1,823,000	-1,320,000	10,068,000	-2,132,000	1,249,000	-656,000	-1,346,000	5,294,000		-3,982,000	5,181,000	1,110,000	-6,609,000	2,751,000	3,756,000			-14,218,000			-9,966,000	15,537,000	-2,900,000	108,000	6,905,000	17,912,000
purchase of mortgage-backed debt securities held-to-maturity
proceeds from maturities and calls of investment debt securities held-to-maturity																															3,715,000
principal repayments on mortgage-backed debt securities held-to-maturity																															25,797,000
principal repayments on investment debt securities held-to-maturity																															1,835,000
net gain on sales of other real estate owned
net income on sales of fixed assets
proceeds from sale of mortgage servicing rights
net gain on sale of loan servicing
proceeds from sale of under-performing loans
proceeds from sales of investment securities available-for-sale
purchases of investment securities available-for-sale
purchases of investment securities held-to-maturity
purchases of mortgage-backed securities held-to-maturity																																															-10,134,000
proceeds from maturities and calls of investment securities available-for-sale
proceeds from maturities and calls of investment securities held-to-maturity																																5,213,000	5,645,000	6,000,000	1,375,000	412,000	33,917,000
proceeds from maturities and calls of mortgage backed securities held-to-maturity
principal repayments on mortgage-backed securities held-to-maturity																																23,070,000	25,952,000	23,665,000	23,696,000	21,360,000	21,073,000	18,008,000	13,029,000	14,290,000	15,794,000	16,118,000	14,879,000	15,051,000	14,970,000	13,889,000	13,289,000	16,655,000
proceeds from the redemption of federal home loan bank of new york stock																																728,000	15,270,000	3,680,000	60,000
purchases of federal home loan bank of new york stock																																-1,980,000	-13,384,000
federal home loan bank of new york stock																																				1,150,000	0			0
premises & equipment																																				19,344,000	0
other real estate owned																																				1,029,000	61,000			0
federal home loan bank advances																																				3,694,000	0			0
total consideration for acquisition																																								0
tax expense of stock plans																																																						0	-2,000			1,000	-8,000		0	0	-23,000
net amortization (accretion) of deferred costs and discounts on loans
purchase of investment securities available-for-sale																																	-4,998,000	-15,042,000	-34,770,000					1,000	0	0	-9,973,000	-9,931,000	-9,965,000	0	-651,000	0
purchase of investment securities held-to-maturity																																	-34,449,000	-34,647,000	-42,497,000	-3,976,000								0	0	0	-5,003,000	-601,000
purchase of mortgage-backed securities held-to-maturity																																	-20,195,000											0	-25,069,000
proceeds from sales of securities available-for-sale																																					659,000
cash received, net of cash consideration paid for acquisition																																								0
cash (received) acquired, net of cash consideration paid for acquisition
net excess tax benefit (expense) on stock compensation																																			3,916,000
purchase of mbs securities held-to-maturity																																			-79,984,000
net decrease in cash and due from banks																																			-126,121,000				-9,685,000										1,678,000					1,817,000	-39,432,000				-93,000																	-7,098,000			-29,446,000
net accretion/amortization of purchase accounting adjustments																																				-1,437,000	-1,637,000	-1,267,000	-164,000
net gain on sales of investment securities available for sale
net proceeds from sale and acquisition of other real estate owned
proceeds from sale of high risk loans
decrease in federal home loan bank of new york stock																																					2,839,000	2,299,000	3,333,000																				-1,442,000	497,000				-4,556,000	1,310,000	2,843,000	1,879,000	251,000	2,246,000	1,314,000
proceeds from maturities of investment securities held-to-maturity																																							6,135,000	10,431,000	12,576,000	11,870,000	11,415,000	-17,290,000	20,651,000	3,451,000	899,000	1,755,000
net premium amortization of deferred fees and discounts on loans
benefit from repurchased loans and loss sharing obligations																																																0	0	0	975,000
net (gain) loss on sales of other real estate owned
proceeds from sale of non-performing loans
purchase of mortgage-backed securities available-for-sale																																																0
proceeds from maturities of investment securities available-for-sale																																												29,299,000	-4,294,000	5,000,000	5,000,000	24,999,000
principal repayments on mortgage-backed securities available-for-sale																																																-35,000
increase in federal home loan bank of new york stock																																												-4,385,000	5,461,000	-3,235,000	-2,493,000			-1,770,000	-59,000					1,000	118,000					6,502,000	-8,472,000											1,060,000	-3,415,000	-487,000				475,000	-1,735,000	-2,805,000	-900,000	800,000	-1,150,000
exercise of stock options purchase of treasury stock
tax benefit (expense) of stock plans																																																								1,271,000
reclassification of securities available-for-sale to held-to-maturity																																																0
net gain on sales of investment securities available-for-sale																																													-590,000
proceeds from sale of investment securities available-for-sale
decrease (increase) in federal home loan bank of new york stock																																									3,084,000	-2,012,000	2,442,000									87,000	888,000	-289,000	413,000																2,033,000	1,246,000	27,000				50,000	1,150,000	600,000
purchase of investment-backed securities held-to-maturity
purchase of bank owned life insurance																																																				0
loan portfolio segment
residential real estate:
commercial real estate:
consumer:
commercial and industrial:
proceeds from the sale of investment securities available-for-sale																																													6,311,000
net gain from sale of premises and equipment
net (gain) on sales of and other than temporary impairment loss on investment securities available for sale
proceeds from sale of premises and equipment
dividends paid – common stock																																																				-2,116,000	-2,121,000	-2,166,000	-2,176,000	-2,199,000	-2,197,000	-2,199,000	-2,194,000	-2,192,000	-2,191,000	-2,191,000	-2,190,000	-2,356,000	-2,354,000	-2,354,000	-2,353,000
purchase of investment securities available for sale																																																		-20,072,000	-7,016,000	-10,066,000	-22,707,000	-39,840,000	-1,777,000	-10,751,000	-28,096,000	-4,853,000	-30,311,000	-26,296,000	-26,340,000										0	0	-681,000	0	0	-748,000	-2,384,000	0	-2,043,000	0	0	-802,000	0	-998,000	-1,332,000
purchase of mortgage-backed securities available for sale																																																		-46,115,000	-81,467,000	-6,400,000	-13,892,000	-28,394,000	-45,977,000	-45,936,000	-25,816,000	0	-29,808,000	-30,204,000	0													0	0	-6,439,000				0	-31,507,000	-51,337,000	0	-20,189,000	-50,392,000
principal repayments on mortgage-backed securities available for sale																																																		27,925,000	30,949,000	28,912,000	31,365,000	29,235,000	28,860,000		18,481,000	14,649,000	21,845,000
proceeds from maturities of investment securities available for sale																																																		5,519,000	7,657,000	5,713,000	9,815,000	9,853,000	2,668,000																			2,384,000	0	200,000				361,000	0	1,755,000	0	1,000,000	13,171,000
proceeds from sale of investment securities available for sale																																																					0												0	0	1,823,000	3,000,000	0	122,000				0	0	437,000							0	0	1,273,000
net (gain) loss on sale of other real estate owned																																																			-21,000		-126,000
benefit from repurchased loans																																																				400,000	100,000	100,000	150,000																-200,000	0	3,960,000
net (gain) income from sale of premises and equipment
net gain on sales of and other than temporary impairment loss on investment securities available for sale
proceeds from sales of investment securities available for sale
redemption of warrants																																																													0
expenses from common stock issuance
commercial:
net (gain) on sales of and other-than-temporary impairment loss on investment securities available for sale
increase(decrease) in deposits
amortization and impairment of servicing asset																																																												518,000	494,000	469,000	537,000		469,000	571,000	816,000													430,000	461,000	486,000	656,000	2,101,000	1,772,000
recovery for repurchased loans
net gain on sales of real estate owned																																																																																0	0	-5,000	0	0	-114,000
net gain on sales of loans available for sale
other than temporary impairment losses on investment securities and net income on sales of securities available for sale
increase value of bank owned life insurance
proceeds from maturities or calls of investment securities available for sale																																																																0				0			5,000,000	5,000,000	10,780,000
principal payments on mortgage-backed securities available for sale																																																														14,691,000	9,712,000	5,528,000	7,153,000	7,800,000	3,899,000	3,580,000	3,265,000	4,244,000	3,505,000	3,257,000	3,616,000	3,621,000	5,474,000	4,385,000	12,137,000	10,789,000	7,542,000	12,428,000	12,783,000	8,329,000	28,648,000	29,830,000	45,538,000
net proceeds from sale and acquisition of real estate owned
increase in short-term borrowings including short-term federal home loan bank advances
dividends paid – preferred stock																																																																-718,000	-478,000	-478,000	-154,000
proceeds from issuance of preferred stock and warrants
redemption of warrants and preferred stock
(expenses) net proceeds from common stock issuance
transfer of loans receivable to real estate owned																																																								901,000	-46,000	1,840,000	222,000	798,000	-24,000	126,000	543,000	1,409,000	226,000	332,000	409,000	206,000	440,000	495,000	392,000	0	380,000
net gain on sale of real estate owned																																																									49,000	-129,000	269,000		-48,000	-23,000	-6,000		-121,000	-23,000	-22,000	-104,000
other-than-temporary impairment losses on investment securities
proceeds from sales of real estate owned																																																									1,520,000	1,075,000	334,000		389,000	406,000	298,000		823,000	464,000	115,000	838,000												0	0	257,000	0	0	255,000
expenses of common stock offering																																																													0	0	-109,000
proceeds from maturity or sale of investment securities available for sale
esop adjustment																																																											44,000	37,000	31,000	35,000	21,000	20,000	35,000	31,000	30,000	91,000	92,000	66,000	251,000	273,000	381,000	435,000	454,000	496,000	537,000	473,000	527,000	548,000	542,000	631,000	677,000	567,000	527,000
amortization of esop																																																																73,000	74,000	72,000	74,000	73,000	73,000	73,000	252,000	253,000	252,000	275,000	276,000	276,000	295,000	296,000	295,000	314,000	314,000	316,000	334,000	335,000	334,000
(recovery) benefit from repurchased loans																																																																				-50,000	0	-161,000
net gain on sales of loans and securities available for sale
loans repurchased																																																																						-222,000	13,934,000	-1,012,000	-13,934,000
repayments of securities sold under agreements to repurchase
decrease in advances by borrowers for taxes and insurance
recovery from reserve for repurchased loans																																																																	0	-211,000	-34,000
net gain on sales of loans and securities																																																													-1,210,000	-502,000	-503,000		-1,094,000	-1,141,000	-639,000	725,000	-422,000	-436,000	-956,000	927,000	-1,455,000	-3,515,000	-3,279,000	-1,680,000			-3,340,000	-2,413,000	-2,028,000	-2,331,000	-3,335,000	-2,897,000	-2,505,000
real estate owned acquired																																																																									-41,000
non cash activities:
purchases of mortgage-backed securities available for sale																																																															-203,481,000		0	0	-59,468,000
redemption of preferred stock and warrants																																																															-431,000
proceeds from issuance of preferred stock and warrant																																																																	0	0	38,263,000
amortization and impairment of intangible assets																																																																							25,000	26,000	1,040,000
lower of cost or market write-down on loans held for sale																																																																							0	2,322,000	7,078,000
proceeds from sales of loans repurchased
proceeds from other borrowings																																																																							-700,000			6,400,000
proceeds from common stock issuance
noncash investing activities:
transfer of loans held-for-sale to loans held-for-investment
transfer of securities sold under agreements to repurchase to advances																																																																							15,000,000			0			10,000,000
risk-free interest rate
expected option life
expected volatility
expected dividend yield
weighted-average fair value of an option share granted during the year
intrinsic value of options exercised during the year
purchases of investment securities available for sale
repayments of securities sold under agreements to repurchase with the federal home loan bank																																																																				0	0	-12,000,000
other than temporary impairment on investment securities available for sale
supplemental disclosure of cash flow
information:
stock award																																																																				150,000	150,000	131,000	129,000	129,000	96,000	61,000	188,000	29,000	0	80,000	23,000
net income on write-off of fixed assets
purchases of investment securities																																																																					-304,000	-633,000
disbursements for acquisition of real estate owned
net income on sale of real estate owned
proceeds from sale of mortgage-backed securities available for sale																																																																										-1,000	0	6,242,000
net proceeds (disbursements) from sales and acquisition of real estate owned
net proceeds from sales of real estate owned
repayments from securities sold under agreements to repurchase with the federal home loan bank																																																																									-15,000,000				0	-6,000,000	-5,000,000	-6,000,000
amortization of intangible assets																																																																										26,000	25,000	26,000	26,000	26,000	26,000	26,000	27,000	26,000	26,000	27,000	26,000
net (disbursements) proceeds from acquisition and sale of real estate owned
proceeds from sale of fixed assets																																																																													0	0	49,000
proceeds from subordinated debenture and other borrowings																																																																												800,000
death benefit on bank owned life insurance
proceeds from securities sold under agreements to repurchase with the federal home loan bank																																																																																4,000,000	20,000,000	20,000,000
proceeds from subordinated debenture
mortgage loans securitized into mortgage-backed securities																																																																																			3,715,000	8,696,000	28,520,000
net premium (accretion) of deferred fees and discounts on loans																																																																																-58,000	5,000	123,000
net cash from (used in ) financing activities
amortization of incentive awards
net accretion of deferred fees and discounts on loans																																																																																			129,000

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