Quarterly
Annual
| Unit: USD | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-09-30 | 2024-06-30 | 2024-03-31 | 2023-12-31 | 2023-09-30 | 2023-06-30 | 2023-03-31 | 2022-12-31 | 2022-09-30 | 2022-06-30 | 2022-03-31 | 2021-12-31 | 2021-09-30 | 2021-06-30 | 2021-03-31 | 2020-12-31 | 2020-09-30 | 2020-06-30 | 2020-03-31 | 2019-12-31 | 2019-09-30 | 2019-06-30 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
interest income: | |||||||||||||||||||||||||
interest and fees on loans | 210,987,000 | 206,521,000 | 196,936,000 | 205,952,000 | 194,300,000 | 186,978,000 | 184,897,000 | 178,754,000 | 171,718,000 | 163,732,000 | 153,924,000 | 131,375,000 | 111,287,000 | 103,105,000 | 100,348,000 | 96,119,000 | 95,451,000 | 93,803,000 | 94,332,000 | 89,564,000 | 89,383,000 | 89,385,000 | 89,407,000 | 90,767,000 | 88,610,000 |
taxable securities | 17,338,000 | 16,562,000 | 16,023,000 | 17,493,000 | 16,158,000 | 15,979,000 | 15,512,000 | 15,522,000 | 11,570,000 | 10,895,000 | 10,895,000 | 11,089,000 | 10,515,000 | 8,223,000 | 6,747,000 | 6,544,000 | 6,315,000 | 5,807,000 | 6,018,000 | 5,858,000 | 5,092,000 | 5,154,000 | 4,702,000 | 4,367,000 | 4,193,000 |
nontaxable securities | 5,000 | 5,000 | 6,000 | 7,000 | 9,000 | 9,000 | 12,000 | 15,000 | 17,000 | 21,000 | 27,000 | 30,000 | 37,000 | 43,000 | 47,000 | 62,000 | 86,000 | 107,000 | 129,000 | 166,000 | 211,000 | 233,000 | 274,000 | 316,000 | 393,000 |
federal funds sold and securities purchased with agreement to resell | 4,724,000 | 1,592,000 | |||||||||||||||||||||||
other interest and dividends | 18,254,000 | 21,955,000 | 28,111,000 | 24,496,000 | 16,535,000 | 23,203,000 | 27,623,000 | 17,930,000 | 6,124,000 | 6,060,000 | 4,609,000 | 6,173,000 | 4,623,000 | 1,804,000 | 1,794,000 | 1,507,000 | 863,000 | 676,000 | 581,000 | 506,000 | 360,000 | 1,718,000 | 2,751,000 | 3,912,000 | 2,593,000 |
total interest income | 251,308,000 | 246,635,000 | 241,096,000 | 247,979,000 | 227,540,000 | 226,710,000 | 229,062,000 | 213,206,000 | 189,656,000 | 181,322,000 | 170,273,000 | 149,299,000 | 126,555,000 | 113,188,000 | 108,954,000 | 104,236,000 | 102,719,000 | 100,396,000 | 101,065,000 | 96,110,000 | 95,080,000 | 96,767,000 | 98,187,000 | 101,130,000 | 97,787,000 |
interest expense: | |||||||||||||||||||||||||
deposits | 98,735,000 | 93,488,000 | 94,745,000 | 113,211,000 | 104,671,000 | 104,066,000 | 108,155,000 | 95,901,000 | 71,971,000 | 55,713,000 | 33,471,000 | 13,655,000 | 6,427,000 | 5,843,000 | 6,271,000 | 6,581,000 | 6,836,000 | 6,881,000 | 7,853,000 | 9,876,000 | 10,756,000 | 16,745,000 | 19,786,000 | 24,787,000 | 24,240,000 |
borrowed funds | 19,125,000 | 21,460,000 | 22,798,000 | 19,647,000 | 16,994,000 | 20,149,000 | 19,220,000 | 17,607,000 | 16,434,000 | 17,308,000 | 14,418,000 | 9,226,000 | 3,760,000 | 1,623,000 | 1,533,000 | 1,335,000 | 1,215,000 | 1,150,000 | 1,131,000 | 1,152,000 | 1,090,000 | 2,382,000 | 2,624,000 | 3,338,000 | 3,462,000 |
total interest expense | 117,860,000 | 114,948,000 | 117,543,000 | 132,858,000 | 121,665,000 | 124,215,000 | 127,375,000 | 113,508,000 | 88,405,000 | 73,021,000 | 47,889,000 | 22,881,000 | 10,187,000 | 7,466,000 | 7,804,000 | 7,916,000 | 8,051,000 | 8,031,000 | 8,984,000 | 11,028,000 | 11,846,000 | 19,127,000 | 22,410,000 | 28,125,000 | 27,702,000 |
net interest income | 133,448,000 | 131,687,000 | 123,553,000 | 115,121,000 | 105,875,000 | 102,495,000 | 101,687,000 | 99,698,000 | 101,251,000 | 108,301,000 | 122,384,000 | 126,418,000 | 116,368,000 | 105,722,000 | 101,150,000 | 96,320,000 | 94,668,000 | 92,365,000 | 92,081,000 | 85,082,000 | 83,234,000 | 77,640,000 | 75,777,000 | 73,005,000 | 70,085,000 |
benefit from credit losses | 9,463,000 | 11,296,000 | 6,630,000 | 5,659,000 | 5,353,000 | 4,368,000 | 3,582,000 | 4,282,000 | 6,654,000 | 4,197,000 | 7,135,000 | 15,603,000 | 9,507,000 | 5,362,000 | 8,451,000 | 5,963,000 | 9,652,000 | 7,451,000 | |||||||
net interest income after benefit from credit losses | 123,985,000 | 120,391,000 | 116,923,000 | 109,462,000 | 100,522,000 | 98,127,000 | 98,105,000 | 95,416,000 | 94,597,000 | 104,104,000 | 115,249,000 | 110,815,000 | 106,861,000 | 100,360,000 | 92,699,000 | 90,357,000 | 85,016,000 | 84,914,000 | |||||||
noninterest income: | |||||||||||||||||||||||||
service charges on deposit accounts | 3,316,000 | 2,671,000 | 2,558,000 | 2,341,000 | 2,293,000 | 2,150,000 | 2,181,000 | 2,163,000 | 2,142,000 | 1,934,000 | 1,866,000 | 1,892,000 | 2,133,000 | 2,142,000 | 1,297,000 | 1,727,000 | 1,907,000 | 1,908,000 | 1,971,000 | 1,818,000 | 1,823,000 | 1,916,000 | 1,806,000 | 1,735,000 | 1,786,000 |
mortgage banking | 1,864,000 | 1,323,000 | 613,000 | 1,352,000 | 1,379,000 | 678,000 | 792,000 | 825,000 | 696,000 | 442,000 | 514,000 | 784,000 | 614,000 | 526,000 | 471,000 | 1,423,000 | 2,699,000 | 2,747,000 | 3,050,000 | 2,519,000 | 2,107,000 | 1,071,000 | 1,366,000 | 1,333,000 | 1,087,000 |
credit card income | 2,405,000 | 2,119,000 | 1,968,000 | 1,925,000 | 2,333,000 | 2,155,000 | 2,004,000 | 2,532,000 | 2,406,000 | 1,689,000 | 2,261,000 | 2,612,000 | 2,672,000 | 2,372,000 | 2,200,000 | 2,043,000 | 1,912,000 | 1,192,000 | 913,000 | 1,840,000 | 1,398,000 | 1,891,000 | 1,868,000 | 1,741,000 | |
securities losses | -7,812,000 | -8,563,000 | -3,335,000 | ||||||||||||||||||||||
bank-owned life insurance income | 2,405,000 | 2,126,000 | 2,137,000 | 2,113,000 | 2,058,000 | 3,231,000 | 1,483,750 | 1,818,000 | 2,496,000 | ||||||||||||||||
other operating income | 655,000 | 745,000 | 1,001,000 | 818,000 | 828,000 | 599,000 | 763,000 | 797,000 | 842,000 | 635,000 | 725,000 | 2,014,000 | 5,287,000 | 4,635,000 | 1,767,000 | 1,162,000 | 777,000 | 958,000 | 643,000 | 262,000 | 241,000 | 469,000 | 571,000 | 453,000 | 392,000 |
total noninterest income | 2,833,000 | 421,000 | 8,277,000 | 8,549,000 | 8,891,000 | 8,813,000 | 7,379,000 | 8,135,000 | 8,582,000 | 6,321,000 | 6,966,000 | 8,939,000 | 9,506,000 | 7,948,000 | 7,365,000 | 8,026,000 | 9,598,000 | 8,463,000 | 8,237,000 | 8,172,000 | 7,033,000 | 6,674,000 | 7,052,000 | 6,210,000 | 5,778,000 |
noninterest expenses: | |||||||||||||||||||||||||
salaries and employee benefits | 25,522,000 | 22,576,000 | 22,879,000 | 25,057,000 | 24,213,000 | 22,986,000 | 23,024,000 | 20,080,000 | 18,795,000 | 19,066,000 | 19,230,000 | 19,687,000 | 20,734,000 | 18,301,000 | 17,303,000 | 17,995,000 | 16,887,000 | 15,543,000 | 14,970,000 | 14,994,000 | 15,792,000 | 15,658,000 | 13,680,000 | 15,499,000 | 14,339,000 |
equipment and occupancy expense | 3,615,000 | 3,523,000 | 3,795,000 | 3,567,000 | 3,860,000 | 3,579,000 | 3,421,000 | 3,263,000 | 3,140,000 | 2,983,000 | 2,910,000 | 2,996,000 | 2,844,000 | 2,680,000 | 2,556,000 | 2,434,000 | 2,339,000 | 2,387,000 | 2,287,000 | ||||||
third party processing and other services | 8,095,000 | 8,005,000 | 7,738,000 | 8,035,000 | 7,465,000 | 7,166,000 | 7,841,000 | 6,549,000 | 6,198,000 | 7,284,000 | 8,170,000 | 7,213,000 | 6,345,000 | 5,605,000 | 4,856,000 | 4,144,000 | 3,946,000 | 3,416,000 | 3,418,000 | 3,281,000 | 3,513,000 | 3,345,000 | |||
professional services | 1,857,000 | 1,904,000 | 1,933,000 | 1,715,000 | 1,741,000 | 1,464,000 | 1,417,000 | 1,265,000 | 1,580,000 | 1,654,000 | 922,000 | 1,036,000 | 1,327,000 | 992,000 | 913,000 | 948,000 | 1,107,000 | 923,000 | 1,248,000 | 955,000 | 1,091,000 | 948,000 | 1,163,000 | 887,000 | 1,191,000 |
fdic and other regulatory assessments | 2,742,000 | 2,753,000 | 2,854,000 | 2,355,000 | 2,202,000 | 3,905,000 | 9,509,000 | 2,346,000 | 2,242,000 | 1,517,000 | 1,311,000 | 975,000 | 1,147,000 | 1,132,000 | 1,042,000 | 1,630,000 | 1,425,000 | 1,582,000 | 1,366,000 | 1,061,000 | 595,000 | 1,332,000 | 1,081,000 | ||
other real estate owned expense | 82,000 | 27,000 | 103,000 | 7,000 | |||||||||||||||||||||
other operating expenses | 6,083,000 | 5,416,000 | 4,572,000 | 3,623,000 | 12,590,000 | 7,826,000 | 6,224,000 | 4,957,000 | 10,613,000 | 7,253,000 | 11,417,000 | 6,541,000 | 4,560,000 | 4,380,000 | 3,607,000 | 4,088,000 | 7,163,000 | 6,606,000 | 6,912,000 | ||||||
total noninterest expenses | 47,996,000 | 44,204,000 | 45,632,000 | 42,818,000 | 58,258,000 | 41,663,000 | 38,466,000 | 38,092,000 | 42,685,000 | 39,821,000 | 38,489,000 | 34,377,000 | 31,309,000 | 28,202,000 | 26,573,000 | 28,816,000 | 25,619,000 | 25,161,000 | 26,022,000 | ||||||
income before income taxes | 78,822,000 | 76,608,000 | 79,093,000 | 72,379,000 | 66,595,000 | 60,637,000 | 47,226,000 | 61,888,000 | 64,713,000 | 70,761,000 | 84,123,000 | 77,069,000 | 76,546,000 | 71,090,000 | 61,575,000 | 64,006,000 | 63,305,000 | 64,463,000 | 65,833,000 | 54,397,000 | 51,168,000 | 42,810,000 | 51,326,000 | 47,069,000 | 44,957,000 |
benefit from income taxes | 13,251,000 | 15,184,000 | 15,869,000 | 12,472,000 | 14,459,000 | 10,611,000 | 5,152,000 | 8,548,000 | 11,245,000 | 12,790,000 | 16,399,000 | 13,038,000 | 14,410,000 | 13,477,000 | 7,822,000 | 11,507,000 | 13,278,000 | 13,008,000 | 14,852,000 | 11,035,000 | 10,720,000 | 8,032,000 | 10,289,000 | 9,506,000 | 9,324,000 |
net income | 65,571,000 | 61,424,000 | 63,224,000 | 59,907,000 | 52,136,000 | 50,026,000 | 42,074,000 | 53,340,000 | 53,468,000 | 57,971,000 | 67,724,000 | 64,031,000 | 62,136,000 | 57,613,000 | 53,753,000 | 52,499,000 | 50,027,000 | 51,455,000 | 50,981,000 | 43,362,000 | 40,448,000 | 34,778,000 | 41,037,000 | 37,563,000 | 35,633,000 |
yoy | 25.77% | 22.78% | 50.27% | 12.31% | -2.49% | -13.71% | -37.87% | -16.70% | -13.95% | 0.62% | 25.99% | 21.97% | 24.20% | 11.97% | 5.44% | 21.07% | 23.68% | 47.95% | 24.23% | 15.44% | 13.51% | ||||
qoq | 6.75% | -2.85% | 5.54% | 14.91% | 4.22% | 18.90% | -21.12% | -0.24% | -7.77% | -14.40% | 5.77% | 3.05% | 7.85% | 7.18% | 2.39% | 4.94% | -2.78% | 0.93% | 17.57% | 7.20% | 16.30% | -15.25% | 9.25% | 5.42% | |
net income margin % | |||||||||||||||||||||||||
dividends on preferred stock | 31,000 | 31,000 | |||||||||||||||||||||||
net income available to common stockholders | 65,571,000 | 61,393,000 | 63,224,000 | 59,907,000 | 52,105,000 | 50,026,000 | 42,043,000 | 53,340,000 | 53,437,000 | 57,971,000 | 67,693,000 | 64,031,000 | 62,105,000 | 57,613,000 | 53,722,000 | 52,499,000 | 49,996,000 | 51,455,000 | 50,949,000 | 43,362,000 | 40,417,000 | 34,778,000 | 41,005,000 | 37,563,000 | 35,602,000 |
basic earnings per common share | 1,200 | 1,120 | 1,160 | 1,100 | 960 | 920 | 770 | 980 | 980 | 1,070 | 1,250 | 1,180 | 1,140 | 1,060 | 990 | 970 | 920 | 950 | 950 | 800 | 750 | 650 | 770 | 700 | 670 |
diluted earnings per common share | 1,200 | 1,120 | 1,160 | 1,100 | 950 | 920 | 770 | 980 | 980 | 1,060 | 1,240 | 1,170 | 1,140 | 1,060 | 990 | 960 | 920 | 950 | 940 | 800 | 750 | 640 | 760 | 690 | 660 |
federal funds sold | 20,000 | 31,000 | 538,000 | 541,000 | 1,018,000 | 985,000 | 227,000 | 614,000 | 818,000 | 632,000 | 93,000 | 13,000 | 18,000 | 4,000 | 4,000 | 3,000 | 5,000 | 16,000 | 34,000 | 277,000 | 1,053,000 | 1,768,000 | 1,998,000 | ||
noninterest expense: | |||||||||||||||||||||||||
equipment and occupancy | 3,722,000 | 3,557,000 | 3,435,000 | 2,933,000 | 2,654,000 | 2,400,000 | |||||||||||||||||||
other real estate owned | 33,000 | 30,000 | 6,000 | 3,000 | 157,000 | 601,000 | |||||||||||||||||||
other operating expense | 6,948,000 | 7,195,000 | 6,702,000 | 8,252,000 | 4,639,000 | 3,636,000 | |||||||||||||||||||
total noninterest expense | 46,107,000 | 46,303,000 | 39,664,000 | 37,218,000 | 28,914,000 | 27,920,000 | |||||||||||||||||||
see notes to consolidated financial statements. | |||||||||||||||||||||||||
oreo expense | 7,500 | 18,000 | 6,000 | 14,000 | 21,000 | 32,000 | 205,000 | 123,000 | 540,000 | 505,750 | 119,000 | 1,303,000 | 78,000 | 78,000 | 212,000 | ||||||||||
preferred stock dividends | 7,750 | 31,000 | 7,750 | 31,000 | 7,750 | 31,000 | 7,750 | 31,000 | 7,750 | 31,000 | |||||||||||||||
increase in cash surrender value life insurance | 1,621,000 | 1,600,000 | 1,637,000 | 1,633,000 | 1,608,000 | 1,630,000 | 1,671,000 | 1,683,000 | 1,658,000 | 1,660,000 | 1,733,000 | 1,464,000 | 1,453,000 | 1,419,000 | 787,000 | 778,000 | |||||||||
securities gains | -2,833,000 | 620,000 | -1,000 | 34,000 | -6,000 | ||||||||||||||||||||
benefit from loan losses | 9,037,750 | 12,284,000 | 10,283,000 | 13,584,000 | 5,884,000 | 6,985,000 | 4,884,000 | ||||||||||||||||||
net interest income after benefit from loan losses | 52,451,250 | 72,798,000 | 72,951,000 | 64,056,000 | 69,893,000 | 66,020,000 | 65,201,000 | ||||||||||||||||||
credit cards | 1,765,000 | ||||||||||||||||||||||||
fdic and other regulatory (credits) assessments | 451,000 | -296,000 |
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