7Baggers
Quarterly
Annual
    Unit: USD2025-09-30 2025-06-30 2025-03-31 2024-09-30 2024-06-30 2024-03-31 2023-09-30 2023-06-30 2023-03-31 2022-09-30 2022-06-30 2022-03-31 2021-09-30 2021-06-30 2021-03-31 2020-09-30 2020-06-30 2020-03-31 2019-09-30 2019-06-30 2019-03-31 2017-03-31 2016-06-30 2016-03-31 2015-09-30 2014-09-30 2014-06-30 2014-03-31 2013-09-30 2013-06-30 2013-03-31 2012-09-30 2009-09-30 2009-06-30 2009-03-31 2008-09-30 2008-06-30 2008-03-31 2007-09-30 2007-06-30 2007-03-31 2006-09-30 2006-06-30 2006-03-31 2005-09-30 2005-06-30 2005-03-31 
      
    		                                               
      operating activities:
    		                                               
      net income
    		47,158,000 48,119,000 42,157,000 38,217,000 39,369,000 35,204,000 36,917,000 31,584,000 33,733,000 42,068,000 34,324,000 38,875,000 35,434,000 39,132,000 42,831,000 30,846,000 29,505,000 22,372,000 31,146,000 22,163,000 25,455,000 20,267,000 19,998,000 18,686,000 20,040,000 18,303,000 21,827,000 19,619,000 19,029,000 20,034,000 20,710,000 11,982,000 19,199,000 21,307,000 21,390,000 -38,412,000 18,191,000 22,978,000 21,304,000 23,510,000 21,063,000 23,805,000 23,886,000 23,807,000 24,295,000 24,770,000 23,342,000 
      adjustments to reconcile net income to net cash from operating activities:
    		                                               
      benefit from credit losses
    		4,030,000 2,853,000 756,000 5,315,000 3,113,000 2,180,000                                          
      accretion of loan fees and costs
    		-2,439,000 -2,552,000 -2,291,000 -2,329,000 -2,307,000 -2,027,000 -2,221,000 -2,231,000 -2,169,000 -2,737,000 -3,360,000 -3,772,000 -6,926,000 -7,341,000 -6,334,000 -6,040,000 -4,285,000 -1,866,000                              
      depreciation of premises and equipment
    		2,825,000 2,828,000 2,913,000 2,976,000 3,019,000 3,119,000 3,513,000 3,622,000 3,500,000 3,398,000 3,461,000 3,482,000 3,444,000 3,291,000 3,216,000 2,770,000 2,611,000 2,507,000 2,246,000 2,297,000 2,133,000                           
      amortization of investment securities
    		167,000 178,000 345,000 416,000 372,000 415,000 1,434,000 905,000 817,000 892,000 829,000 875,000 645,000 443,000 354,000 310,000 366,000 388,000 332,000 417,000 353,000 258,000                          
      pension settlement gain
    		                                               
      loss on the sale of debt securities
    		   0 0 398,000                                          
      gain on equity securities
    		      -998,000 -25,000 405,000 -58,000 -709,000 -2,353,000    -1,201,000 977,000 973,000 -3,335,000 -1,853,000 -121,000                           
      loan originations to be sold in secondary market
    		-44,790,000 -54,128,000 -28,224,000 -35,616,000 -30,418,000 -16,382,000 -20,712,000 -17,388,000 -15,332,000 -29,562,000 -54,593,000 -73,713,000 -128,294,000 -144,602,000 -192,382,000 -358,030,000 -250,701,000 -88,824,000 -112,276,000 -77,619,000 -34,419,000 -42,370,000 -70,381,000 -40,285,000 -81,008,000 -37,406,000 -36,784,000 -22,194,000 -52,896,000 -90,319,000 -140,704,000                 
      proceeds from sale of loans in secondary market
    		46,455,000 55,521,000 29,329,000 35,520,000 28,701,000 17,892,000 21,703,000 16,278,000 15,730,000 33,971,000 58,052,000 77,189,000 135,284,000 154,868,000 212,880,000 432,108,000 165,028,000 79,139,000 105,558,000 73,585,000 35,123,000 46,848,000 71,174,000 36,835,000 80,000,000 39,268,000 33,717,000 20,350,000 59,463,000 87,416,000 156,212,000                 
      gain on sale of loans in secondary market
    		-731,000 -875,000 -458,000 -617,000 -555,000 -312,000 -371,000 -300,000 -325,000 -658,000 -1,286,000 -1,941,000 -4,025,000 -4,409,000 -6,598,000 -9,068,000 -3,701,000 -1,938,000 -2,235,000 -1,601,000 -822,000 -787,000 -1,401,000 -761,000 -1,177,000 -3,044,000 686,000 452,000 681,000 1,420,000 1,511,000                 
      share-based compensation expense
    		1,766,000 1,737,000 2,007,000 1,627,000 1,289,000 1,953,000 1,271,000 1,749,000 2,336,000 1,441,000 1,374,000 1,981,000 1,173,000 1,487,000 1,836,000 1,164,000 1,331,000 1,254,000 1,232,000 1,162,000 1,358,000 826,000 324,000 468,000 234,000 135,000 117,000 103,000                    
      gain on the sale of oreo
    		-50,000 -27,000 229,000                                             
      bank owned life insurance income
    		-1,559,000 -1,762,000 -1,512,000 -2,057,000 -1,565,000 -2,629,000 -1,448,000 -1,332,000 -1,185,000 -1,185,000 -2,374,000 -1,175,000 -1,462,000 -1,149,000 -1,165,000 -1,192,000 -1,179,000 -1,248,000 -1,107,000 -1,286,000 -1,006,000 -1,103,000 -1,049,000 -1,197,000 -1,574,000 -1,420,000 -1,026,000 -1,262,000 -1,311,000 -1,254,000 -1,202,000 -1,184,000                
      investment in qualified affordable housing tax credits amortization
    		2,275,000 2,276,000 2,275,000 2,139,000 2,139,000 2,138,000 2,098,000 2,097,000 2,097,000 1,980,000 1,980,000 1,980,000 1,855,000 1,856,000 1,856,000 1,829,000 1,829,000 1,829,000 1,813,000 1,813,000 1,812,000                           
      changes in assets and liabilities:
    		                                               
      decrease in prepaid dealer premiums
    		344,000 -115,000 1,296,000   173,000   601,000                                       
      increase in other assets
    		1,570,000 -2,306,000 -1,074,000    312,000 -5,196,000 -2,116,000 -120,000   4,588,000 -2,609,000 -13,000,000 -1,073,000 -128,000 -4,593,000   -2,734,000 -7,519,000 -56,000 -7,018,000 6,656,000  -4,439,000 -3,236,000 1,714,000 8,662,000 -13,816,000     -5,751,000 4,042,000 -7,908,000 -553,000 -914,000 -6,172,000 -3,376,000 -584,000 -8,305,000 8,243,000 -10,587,000 -5,807,000 
      increase in other liabilities
    		-4,998,000   1,409,000      4,839,000 -4,060,000 -9,742,000 -9,264,000 84,000 10,166,000    5,174,000    -2,535,000 -8,000 -11,939,000 1,993,000     -1,022,000    -8,043,000   1,884,000         -7,546,000 
      net cash from operating activities
    		52,572,000 49,672,000 37,860,000 44,382,000 50,587,000 34,654,000 39,186,000 33,267,000 24,402,000 33,121,000 28,150,000 28,342,000 32,464,000 34,306,000 45,865,000 98,006,000 -54,332,000 8,762,000 27,775,000 21,541,000 24,655,000 23,116,000 24,289,000 12,884,000 19,156,000 36,595,000 25,004,000 9,391,000 32,582,000 24,952,000 25,474,000 32,131,000 13,801,000 30,503,000 34,677,000             
      investing activities:
    		                                               
      proceeds from the redemption/repurchase of fhlb stock
    		0 464,000 624,000 2,355,000 9,071,000 4,563,000                                          
      proceeds from sale of:
    		                                               
      debt securities afs
    		   67,020,000 75,103,000 54,287,000 37,165,000 37,031,000 34,085,000 45,532,000 48,397,000 54,263,000                                    
      equity securities
    		9,000 0 1,187,000 -5,791,000   0 0 -2,195,000 -6,535,000 -1,000,000 -1,630,000    -203,000 -2,293,000 -1,071,000                              
      proceeds from calls and maturities of:
    		                                               
      purchases of:
    		                                               
      fhlb stock
    		0   -2,724,000 -6,276,000 -225,000 -12,229,000                                         
      net increase in other investments
    		-23,000 313,000 -1,096,000 -1,553,000     -183,000                 0       0 0 -114,000 -464,000            
      net loan originations, portfolio loans
    		-30,084,000 -79,288,000 -65,674,000 -69,523,000   -140,914,000        -2,922,000 -133,146,000 -587,423,000 -6,818,000       -98,590,000 -74,917,000 -108,627,000 2,347,000 -68,152,000 -64,284,000 -8,403,000                 
      investment in qualified affordable housing tax credits
    		-5,962,000 -2,628,000 -4,768,000 -780,000 -3,206,000 -4,094,000 -1,003,000 -4,167,000 -1,409,000 -2,752,000 0 -7,252,000 -88,000 0 -6,094,000 -170,000 -1,585,000 -2,546,000                              
      proceeds from the sale of oreo
    		0 59,000 709,000 274,000 546,000 167,000 908,000 44,000 13,000 17,617,000 29,000 38,000 0 33,000 626,000 2,030,000 3,182,000 383,000 198,000 719,000 181,000 674,000 1,705,000 1,387,000 3,020,000                       
      bank owned life insurance death benefits
    		1,207,000 2,307,000 232,000 827,000 659,000 3,685,000 554,000                                         
      purchases of bank owned life insurance
    		0 -263,000 -2,500,000 0 -7,263,000 -2,670,000 0 0 -2,500,000 0 0 -7,500,000             0    0 0 -4,600,000 0    0 -7,000 -8,100,000          
      purchases of premises and equipment
    		-1,501,000 -1,315,000 -1,076,000 -2,088,000 -1,862,000 -3,142,000 -1,811,000 -1,373,000 -2,674,000 -2,836,000 -1,613,000 -2,127,000 -2,856,000 -3,700,000 -4,114,000 -6,689,000 -7,788,000 -6,343,000 -2,975,000 -5,764,000 -2,902,000 -1,379,000 -2,348,000 -1,581,000 -2,761,000 -1,546,000 -1,196,000 -2,123,000 -1,110,000 -1,874,000 -4,747,000 -3,871,000 -1,859,000 -994,000 -1,489,000 -1,361,000 -3,134,000 -4,076,000 -2,655,000 -1,298,000 -10,508,000 -983,000 -1,348,000 -1,399,000 -1,487,000 -3,973,000 -1,383,000 
      net cash from investing activities
    		105,798,000 -106,950,000 10,993,000 -11,983,000 -72,590,000 32,404,000 -118,508,000 -80,689,000 78,668,000 -84,762,000 -278,387,000 -40,004,000 -1,842,000 -108,898,000 -75,481,000 -80,601,000 -483,912,000 32,743,000 70,486,000 52,989,000 -5,750,000 -31,317,000 -20,069,000 85,422,000 -6,565,000 -135,616,000 -91,103,000 16,715,000 -130,533,000 -90,393,000 207,891,000 50,192,000 51,485,000 44,944,000 -48,112,000             
      park national corporation and subsidiariesconsolidated condensed statements of cash flows
    		                                               
      financing activities:
    		                                               
      net increase in deposits
    		-12,106,000 40,310,000 193,830,000 -97,834,000 4,194,000 264,560,000 -114,255,000 -99,301,000 28,392,000 -31,334,000 -38,057,000 257,927,000 155,955,000 -18,546,000 762,896,000 -686,029,000 871,829,000 237,611,000 136,379,000 74,439,000 64,389,000 398,604,000 17,089,000 259,148,000 -57,384,000 201,793,000 -49,487,000 186,704,000 -622,000 -65,227,000 200,509,000 -29,898,000 61,552,000 133,211,000 158,463,000 242,635,000 12,118,000 80,517,000 -28,689,000 -12,028,000 149,848,000 40,363,000 15,137,000 76,182,000 -40,016,000 22,765,000 25,315,000 
      net increase in off-balance sheet deposits
    		104,264,000 -4,239,000 -135,661,000   -1,094,000      -166,134,000                                    
      net decrease in short-term borrowings
    		  -9,455,000  -11,381,000 -222,323,000  -28,144,000 -55,284,000 17,694,000 -34,128,000 -32,859,000   -36,845,000   -37,284,000 5,260,000 -60,754,000 -9,397,000 -174,932,000 -8,912,000 -174,599,000      -20,513,000 -100,166,000  -113,362,000 -26,782,000 -173,885,000             
      repayment of subordinated notes
    		                                               
      value of common shares withheld to pay employee income taxes
    		0 0 -2,948,000 -136,000 0 -2,980,000 0 -237,000 -2,607,000 -310,000 0 -2,451,000 -159,000 -386,000 -1,858,000 -127,000 -38,000 -837,000 0 0 -827,000 -347,000                          
      repurchase of common shares to be held as treasury shares
    		0      -5,157,000 -2,552,000 -15,308,000       0 0 -7,507,000 -7,583,000 -24,450,000 -8,502,000 -5,425,000                          
      cash dividends paid
    		-17,197,000 -17,847,000 -17,571,000 -17,175,000 -17,705,000 -17,408,000 -16,920,000 -17,699,000 -17,409,000 -17,025,000 -17,424,000 -17,109,000 -16,831,000 -17,284,000 -20,242,000 -16,679,000 -17,010,000 -20,024,000 -16,596,000 -16,739,000 -19,303,000 -14,373,000 -14,411,000 -14,411,000            -13,127,000 -13,127,000 -26,254,000 -13,103,000 -13,534,000 -25,896,000 -12,722,000 -12,869,000 -25,879,000 -12,827,000 -12,881,000 -25,790,000 
      net cash from financing activities
    		-132,583,000 12,783,000 28,195,000 -92,181,000 -22,613,000 20,755,000 72,543,000 15,900,000 -30,879,000 12,633,000 249,786,000 39,374,000 39,349,000 -61,259,000 602,417,000 -504,190,000 950,818,000 119,459,000 14,960,000 -2,504,000 1,360,000 253,527,000 -6,234,000 70,138,000 -34,622,000 205,341,000 -65,672,000 155,601,000 58,899,000 -101,145,000 85,842,000 -9,090,000 -58,636,000 -70,801,000 -31,460,000             
      increase in cash and cash equivalents
    		25,787,000 -44,495,000 77,048,000 -59,782,000 -44,616,000 87,813,000 -6,779,000 -31,522,000 72,191,000 -39,008,000 -451,000 27,712,000 69,971,000 -135,851,000 572,801,000 -486,785,000 412,574,000 160,964,000 113,221,000 72,026,000 20,265,000 245,326,000 -2,014,000 168,444,000 -22,031,000 106,320,000 -131,771,000 181,707,000 -39,052,000 -166,586,000 319,207,000 73,233,000     9,688,000 -8,501,000  -14,365,000 11,874,000 -39,902,000   6,664,000   
      cash and cash equivalents at beginning of year
    		0 0 160,566,000 0 0 218,268,000 0 0 189,728,000 0 0 219,180,000 0 0 370,474,000 0 0 159,956,000 0 0 167,214,000 146,446,000 0 149,459,000 0 0 0 147,030,000 0 0 201,305,000 0 0 0 171,261,000 0 0 193,397,000 0 0 186,256,000 0 0 173,973,000 0 0 161,829,000 
      cash and cash equivalents at end of period
    		25,787,000 -44,495,000 237,614,000 -59,782,000 -44,616,000 306,081,000 -6,779,000 -31,522,000 261,919,000 -39,008,000 -451,000 246,892,000 69,971,000 -135,851,000 943,275,000 -486,785,000 412,574,000 320,920,000 113,221,000 72,026,000 187,479,000 391,772,000 -2,014,000 317,903,000 -22,031,000 106,320,000 -131,771,000 328,737,000 -39,052,000 -166,586,000 520,512,000 73,233,000 6,650,000 4,646,000 126,366,000 -10,615,000 9,688,000 184,896,000 -17,302,000 -14,365,000 198,130,000 -39,902,000 39,253,000 156,441,000 6,664,000 34,554,000 158,246,000 
      supplemental disclosures of cash flow information:
    		                                               
      cash paid for:
    		                                               
      interest
    		31,189,000 25,435,000 29,867,000 35,156,000 27,749,000 32,383,000 27,391,000 20,715,000 20,528,000 10,901,000 2,475,000 5,429,000 5,880,000 2,305,000 6,745,000 5,059,000 6,818,000 12,723,000 17,852,000 16,219,000 13,820,000 9,765,000 9,563,000 9,454,000 9,334,000 9,858,000 9,958,000 9,858,000 10,486,000 10,738,000 10,795,000 12,703,000 24,051,000 23,930,000 25,888,000 34,105,000 35,814,000 38,396,000 44,879,000 42,031,000 35,829,000 30,184,000 29,701,000 26,859,000 24,171,000 22,540,000 20,090,000 
      federal income tax
    		10,280,000   8,410,000   4,850,000   5,570,000   7,080,000   9,900,000   3,991,000                             
      non-cash items:
    		                                               
      loans transferred to oreo
    		0 638,000 119,000 181,000 90,000 737,000 0 913,000 138,000 12,009,000 1,354,000 55,000 0 0 78,000 829,000 144,000 151,000 236,000 147,000 568,000 448,000 1,708,000 439,000 1,744,000 1,533,000 1,490,000 4,802,000                    
      rou assets obtained in exchange for lease obligations
    		226,000 303,000 1,069,000 204,000 1,903,000 547,000 320,000                                         
      new commitments in affordable housing tax credits
    		1,000,000   1,000,000                                            
      new commitments in other investment securities
    		   0   250,000   0 5,000,000 10,000,000                                    
      (gain) loss on equity securities
    		            -609,000 -467,000 -1,810,000                                 
      net increase in short-term borrowings
    		            -49,882,000   28,525,000         39,706,000 18,029,000 -1,205,000 9,865,000        -142,154,000   238,403,000 83,939,000 -11,324,000 -20,945,000 24,110,000 96,366,000 29,631,000 18,527,000 23,839,000 
      debt securities afs purchase commitment
    		 -11,751,000 12,001,000                                             
      loss on equity securities
    		  862,000  -358,000 687,000                                          
      decrease in other liabilities
    		  -10,750,000   -9,537,000 169,000 1,725,000 -13,986,000        -2,041,000 -5,595,000   -3,150,000 -63,000      -6,761,000 -2,703,000          8,644,000 -21,111,000 -671,000 2,725,000 -4,606,000 -1,770,000    
      decrease (increase) in prepaid dealer premiums
    		   -589,000        94,000                                    
      decrease (increase) in other assets
    		     1,533,000      1,253,000                      -5,710,000 7,350,000             
      proceeds from sales of investment securities
    		   0 0 30,797,000       0 0 934,000 253,337,000   34,662,000                             
      net decrease in off-balance sheet deposits
    		   0   3,000                                         
      net amortization of purchase accounting adjustments
    		    51,000 -30,000            -766,000                              
      (gain) loss on sale of oreo
    		     -121,000          -569,000                                
      net decrease (increase) in other investments
    		     317,000                                          
      net loan (originations) paydowns, portfolio loans
    		     -49,181,000    -143,257,000         -14,711,000 -50,147,000 -47,909,000 -46,115,000                          
      net amortization (accretion) of purchase accounting adjustments
    		      188,000 144,000 119,000                                       
      gain on sale of oreo
    		      6,000      -3,000      53,000 159,000 12,000 -100,000 -162,000 -134,000 -243,000                       
      oreo valuation markup
    		      0 0 -15,000                                       
      gain on sale of non-mortgage loans
    		                                               
      increase in prepaid dealer premiums
    		      -1,095,000   -6,032,000   -958,000 -1,904,000 -508,000 -6,348,000 -1,322,000 -219,000 -2,367,000 -1,977,000 -281,000                           
      net decrease in other investments
    		      895,000   53,000 215,000 124,000 44,000 1,509,000 1,102,000 188,000   4,007,000                             
      proceeds from the sale of non-mortgage loans
    		            0                                   
      benefit from (recovery of) credit losses
    		       2,492,000 183,000                                       
      proceeds from the redemption/repurchase of federal home loan bank stock
    		       511,000 3,094,000    2,128,000 2,266,000 4,283,000 1,397,000 5,026,000 1,216,000 508,000 4,051,000 5,405,000                           
      transfers from loans to commercial loans held for sale
    		                        0                       
      loss on sale of oreo
    		        9,000      33,000   196,000                              
      net loan paydowns, portfolio loans
    		        50,208,000                                       
      life insurance death benefits
    		        229,000 855,000 7,158,000 367,000 4,188,000 0 674,000 633,000   0 760,000 584,000 74,000 285,000 765,000 813,000                       
      net decrease (increase) in off-balance sheet deposits
    		        31,337,000 43,608,000                                      
      right-of-use assets obtained in exchange for lease obligations
    		        136,000 88,000   367,000   25,000 14,000 7,755,000                              
      net accretion of purchase accounting adjustments
    		         -161,000 -155,000 -86,000 -390,000 -330,000 -655,000 -547,000   -1,182,000                             
      repayment of long-term debt
    		            -27,500,000 -2,500,000 -2,500,000 -2,500,000 -2,500,000 -52,500,000 -77,500,000 -25,000,000 -50,000,000    0 -25,012,000 -512,000 -50,013,000 -8,000 -25,917,000 -15,000 -14,000 -30,569,000 -201,316,000 -2,183,000 -191,375,000 -1,797,000 -2,897,000 -125,202,000 -81,789,000 -77,680,000 -59,984,000 -61,157,000 -135,912,000 -164,348,000 -105,466,000 -7,965,000 
      afs debt securities purchase commitment
    		                                               
      recovery of credit losses
    		          2,991,000 -4,605,000                                    
      net loan paydowns (originations), portfolio loans
    		           52,444,000 136,316,000                                   
      (recovery of) benefit from credit losses
    		            1,972,000 -4,040,000 -4,855,000                                 
      realized net debt securities gains
    		                                               
      net increase in ows deposits
    		            -6,186,000 -3,019,000 -99,034,000                                 
      proceeds from issuance of subordinated notes
    		                                               
      new commitments in affordable housing tax credit investments
    		            0   0   0                             
      realized net investment securities gains
    		                                               
      available-for-sale debt securities
    		             60,833,000 58,344,000 69,232,000 47,571,000 47,922,000 51,250,000 50,535,000 44,066,000                           
      proceeds from the sale of gfsc loans
    		              3,538,000                                 
      benefit from loan losses
    		               13,836,000 12,224,000 5,153,000 1,967,000 1,919,000 2,498,000 876,000 2,637,000 910,000     2,498,000 673,000 329,000 16,655,000 14,958,000 15,856,000 12,287,000 15,906,000 14,569,000 7,394,000 5,793,000 2,881,000 2,205,000 935,000   1,600,000 1,325,000 1,082,000 
      realized net investment securities (gains) losses
    		               27,000                                
      held-to-maturity debt securities
    		                  250,000 157,000 68,000                           
      federal reserve bank stock
    		                  -2,494,000 -101,000 -2,585,000                           
      cash paid for acquisition of cab financial corporation
    		                                               
      proceeds from issuance of long-term debt
    		                  -25,000,000 50,000,000 25,000,000 50,000,000   0 25,000,000 0 25,000,000 25,000,000   0 30,000,000               
      transfer of debt securities from htm to afs
    		                                               
      realized net investment securities losses
    		                  -186,000                             
      oreo valuation adjustments
    		                  41,000 55,000 27,000 73,000 221,000 118,000 718,000 935,000 675,000 416,000 2,030,000 600,000 -401,000                 
      decrease in other assets
    		                  2,715,000                             
      investment in qualified affordable housing
    		                  -209,000 -976,000 -2,658,000                           
      cash (paid for) received from acquisitions
    		                                               
      loans transferred to foreclosed assets
    		                                               
      amortization of loan fees and costs
    		                   -1,680,000 -1,583,000 2,230,000 1,830,000 1,674,000 1,678,000 946,000 734,000 1,135,000 934,000                   
      right of use assets obtained in exchange for lease obligations
    		                   39,000 10,970,000                           
      securities purchase commitments
    		                      -12,525,000 17,156,000                        
      benefit from depreciation
    		                     2,121,000 2,129,000 2,049,000      1,777,000 1,773,000                 
      unrealized gain on equity securities
    		                                               
      amortization of prepayment penalty on long-term debt
    		                         1,232,000 1,227,000 1,222,000 1,208,000 1,208,000 1,202,000                 
      proceeds from sales of securities
    		                                               
      income taxes
    		                     7,500,000   11,120,000 7,420,000   7,500,000   6,000,000 10,400,000 10,200,000 0 5,420,000 18,800,000 1,000,000 8,104,000 18,951,000 2,600,000 12,400,000 12,633,000 0 12,097,000 12,900,000 0 
      benefit from (recovery of) loan losses
    		                                               
      available-for-sale securities
    		                     40,382,000 228,363,000 341,879,000  0 -21,093,000 21,581,000 27,331,000 29,094,000 309,212,000 139,290,000 94,181,000 148,894,000 120,472,000 -105,454,000 80,289,000 106,059,000  236,225,000 195,424,000   79,787,000 0   
      held-to-maturity securities
    		                     5,990,000 6,171,000 4,984,000 10,113,000 11,955,000 9,632,000 10,125,000 37,790,000 53,463,000 116,140,000 222,086,000 16,155,000 12,775,000 946,000 1,894,000 3,771,000 164,000 4,111,000 2,888,000 2,853,000 6,251,000 4,893,000 4,782,000 28,920,000 8,949,000 8,639,000 
      investments in qualified affordable housing projects
    		                      -1,469,000 -2,847,000 -1,000 0                      
      amortization of prepayment penalty of long-term debt
    		                     1,559,000 1,538,000 1,531,000                        
      amortization (accretion) of investment securities
    		                      22,000 16,000                        
      gain on sale of commercial loans held for sale
    		                        0                       
      proceeds from the sale of commercial loans held for sale
    		                                               
      repurchase of treasury shares
    		                        -2,496,000 0 0 -1,485,000                    
      net loan pay downs (originations), portfolio loans
    		                       10,476,000                        
      depreciation
    		                        1,905,000 1,776,000 1,892,000 1,821,000                    
      accretion of investment securities
    		                        -56,000                       
      amortization of long-term debt prepayment penalty
    		                        1,518,000                       
      realized net investment security gains
    		                         0       0               
      proceeds from redemption of federal home loan bank stock
    		                                               
      proceeds from the sale of:
    		                                               
      proceeds from commercial loans held for sale
    		                        0                       
      cash dividends paid on common shares
    		                        -14,448,000 -14,469,000 -14,468,000 -14,470,000                    
      non cash items:
    		                                               
      other than temporary impairment on investment securities
    		                                  238,000 335,000            
      amortization of core deposit intangibles
    		                            112,000 113,000 112,000 139,000 937,000 936,000 937,000 1,006,000 1,007,000 1,006,000 1,038,000 1,037,000 684,000 637,000 637,000 637,000 637,000 637,000 637,000 
      (accretion)/amortization of investment securities
    		                         -31,000 -49,000 -49,000                    
      proceeds from sales of:
    		                                               
      transfers from loans to loans held for sale
    		                                               
      (recovery of) benefit from loan losses
    		                          -1,260,000 -2,225,000                    
      proceeds from sale of federal home loan bank stock
    		                                               
      proceeds from sales of federal home loan bank stock
    		                           8,946,000    378,000                
      proceeds from calls and maturity of:
    		                                               
      net (increase) in other investments
    		                           -1,350,000          -730,000          
      investment in qualified affordable housing projects
    		                           -8,000,000                    
      loan put provision
    		                               346,000                
      amortization/(accretion) of investment securities
    		                            -10,000 -21,000 42,000                 
      sale of assets/liabilities related to vision bank
    		                               0                
      cash payment for repurchase of common share warrant from u.s. treasury
    		                                               
      repurchase of preferred shares from u.s. treasury
    		                                               
      cash dividends paid on common shares and preferred shares
    		                            -14,487,000                   
      transfers to oreo
    		                             5,519,000 7,103,000                 
      amortization (accretion) of loan fees and costs
    		                              728,000                 
      cash dividends paid on common stock and preferred stock
    		                              -14,486,000 -14,483,000                
      depreciation, accretion and amortization
    		                               2,404,000 1,220,000 423,000 518,000  -150,000 -128,000   -569,000   58,000   104,000 
      other-than-temporary impairment on investment securities
    		                               0 0               
      oreo devaluations
    		                               425,000                
      (increase) in other assets
    		                               8,093,000                
      proceeds from sales of available-for-sale securities
    		                                0 204,304,000 0  55,587,000 25,309,000          
      proceeds from maturity of:
    		                                               
      net increase in loans
    		                                -4,800,000 -70,140,000 -80,533,000 -112,418,000   -15,257,000 -37,955,000 -13,530,000 -22,277,000   -18,610,000   
      cash payment for fractional shares in dividend reinvestment plan
    		                               -1,000 0   -1,000   -1,000 -2,000 -1,000 -1,000 -1,000 -2,000    
      cash payment for repurchase of common stock warrant from u.s. treasury
    		                               0                
      repurchase of preferred stock from u.s. treasury
    		                               0                
      non cash activities:
    		                                               
      securities acquired through payable
    		                                               
      (decrease) in other liabilities
    		                                               
      net (increase) in loans
    		                                     -36,299,000          
      net (decrease) in short-term borrowings
    		                                     -5,365,000          
      stock dividends on federal home loan bank stock
    		                                   -784,000 -760,000 -725,000    -777,000 -758,000 -739,000    
      goodwill impairment charge
    		                                               
      proceeds from reissuance of common stock from treasury shares held
    		                                8,299,000               
      decrease in cash and cash equivalents
    		                                  -44,895,000         -17,532,000   -3,583,000 
      cash dividends paid on common and preferred stock
    		                                 -14,384,000 -13,855,000             
      depreciation, (accretion) and amortization
    		                                      -699,000   -13,000      
      realized investment security gains
    		                                               
      loans acquired — ohio legacy bank, n.a. branch
    		                                               
      cash paid for branch acquisition, ohio legacy bank, n.a.
    		                                               
      cash paid for bank acquisition, vision bancshares, inc.
    		                                               
      premises and equipment acquired — ohio legacy bank, n.a. branch
    		                                               
      deposits acquired, ohio legacy bank, n.a. branch
    		                                               
      proceeds from exercise of stock options
    		                                      0 63,000 233,000 271,000 1,928,000 974,000    
      purchase of treasury stock
    		                                      -19,241,000 -30,714,000 -4,862,000 -10,618,000 -9,659,000 -10,231,000 -9,902,000   
      long-term debt issued
    		                                   100,100,000 90,000,000 200,000,000 150,000,000 0 75,100,000    75,000,000 0 100,939,000 
      summary of business acquisitions:
    		                                               
      fair value of assets acquired — vision bancshares, inc.
    		                                               
      cash paid for purchase — vision bancshares, inc.
    		                                               
      stock issued for purchase — vision bancshares, inc.
    		                                               
      fair value of liabilities assumed — vision bancshares, inc.
    		                                               
      goodwill recognized
    		                                      0 -232,000 -108,789,000    0 0 28,369,000 
      net cash provided from operating activities
    		                                    16,414,000 24,192,000  4,517,000 16,540,000 23,839,000 19,912,000 13,688,000 31,678,000 16,826,000 11,812,000 
      cash paid for acquisition
    		                                       0 -44,993,000    0   
      net cash used by investing activities
    		                                    -62,426,000 -278,694,000   -110,084,000   -32,718,000    
      net cash provided from financing activities
    		                                    55,700,000 246,001,000   105,418,000   1,498,000    
      summary of business acquisition:
    		                                               
      fair value of assets acquired
    		                                       -232,000 686,744,000    0 0 185,372,000 
      cash paid for purchase of vision bancshares
    		                                       0 -87,843,000       
      stock issued for purchase of vision bancshares
    		                                       0 -83,258,000       
      fair value of liabilities assumed
    		                                       0 -624,432,000    0 0 161,241,000 
      realized net investment security
    		                                     -309,000          
      net decrease in interest bearing deposits with other banks
    		                                         0   599,000 499,000 498,000 
      cash paid for branch acquistion, ohio legacy bank, n.a.
    		                                               
      net cash (used by) provided from investing activities
    		                                              -121,209,000 
      net cash provided from (used by) financing activities
    		                                              105,814,000 
      realized investment securities gains
    		                                            0   
      loans sold with branch office
    		                                              5,273,000 
      net cash provided from investing activities
    		                                               
      deposits sold with branch office
    		                                            0 0 -12,419,000 
      net cash used by financing activities
    		                                               
      cash paid for purchase of first clermont bank
    		                                            0 0 -52,500,000 
      net cash provided from (used by) investing activities
    		                                               
      net cash (used by) provided from financing activities
    		                                               
      net decrease in loans
    		                                           10,639,000    
      accretion, amortization and depreciation
    		                                               
      proceeds from loans sold with branch office
    		                                            0   
      cash paid for fractional shares
    		                                               
      exercise of stock options
    		                                            -1,000 23,000 95,000 
      depreciation, accretion, and amortization
    		                                               
      realized investment security (gains) losses
    		                                               
      net decrease (increase) in loans
    		                                              26,573,000 
      cash paid for acquistion
    		                                              -39,227,000 
      exercise of stock options and purchase of treasury stock
    		                                              1,800,000 
      exhibit 31.1
    		                                               
      exhibit 31.2
    		                                               
      exhibit 32.1
    		                                               
      exhibit 32.2
    		                                               
    The information provided in this report is taken from www.sec.gov and many other data providers. While we have conducted our best efforts to ensure that the parsed data is accurate, we cannot guarantee its accuracy. Please use caution and understand that any consequences of its use are your own responsibility.