Simmons First National Corporation
(NASDAQ:SFNC)

Simmons First National Corporation operates as the holding company for Simmons Bank that provides banking and other financial products and services to individuals and businesses. It offers checking, savings, and time deposits; consumer, real estate, and commercial loans; agricultural finance, equipm...

Website: http://www.simmonsbank.com

Founded: 1903

Full Time Employees: 2,904

Sector: Financial Services

Industry: Banks-Regional

Financial Services

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Quarterly

Annual

Unit: USD	2026-03-31	2025-12-31	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30	2023-06-30	2023-03-31	2022-12-31	2022-09-30	2022-06-30	2022-03-31	2021-12-31	2021-09-30	2021-06-30	2021-03-31	2020-12-31	2020-09-30	2020-06-30	2020-03-31	2019-12-31	2019-09-30	2019-06-30	2019-03-31	2018-12-31	2018-09-30	2018-06-30	2018-03-31	2017-12-31	2017-09-30	2017-06-30	2017-03-31	2016-12-31	2016-09-30	2016-06-30	2016-03-31	2015-12-31	2015-09-30	2015-06-30	2015-03-31	2014-09-30	2013-06-30	2013-03-31	2012-06-30

interest income
loans, including fees	267,287,000	270,868,000	269,210,000	265,373,000	257,755,000	272,727,000	277,939,000	270,937,000	261,490,000	261,505,000	255,901,000	244,292,000	227,498,000	216,091,000	187,347,000	165,641,000	127,176,000	137,564,000	132,216,000	138,804,000	146,424,000
interest bearing balances due from banks and federal funds sold	2,320,000	2,485,000	6,421,000	2,531,000	2,703,000	2,913,000	2,921,000	2,964,000	3,010,000	3,115,000	3,569,000	4,023,000	2,783,000	2,593,000	1,141,000	1,117,000	649,000	583,000	763,000	651,000	798,000	716,000	623,000	603,000	2,441,000	2,625,000	1,586,000	1,121,000	2,154,000	2,168,000	1,405,000	1,414,000	1,009,000	947,000	650,000
investment securities	31,882,000	33,833,000	37,464,000	46,898,000	47,257,000	50,162,000	53,220,000	55,050,000	58,001,000	58,755,000	50,638,000	48,751,000	48,774,000	45,689,000	40,954,000	37,848,000	33,712,000	32,275,000	30,717,000	27,128,000	21,573,000	17,207,000	14,910,000	13,473,000	18,943,000	17,625,000	15,367,000	16,594,000	17,312,000	15,760,000	14,640,000	14,296,000	12,622,000	11,456,000	9,218,000	9,990,000	9,451,000	8,700,000	7,774,000	8,499,000	8,506,000	8,349,000	8,335,000	8,050,000	5,879,000	4,717,000	3,019,000	2,902,000	3,313,000
mortgage loans held for sale	203,000	227,000	229,000	221,000	122,000	180,000	209,000	194,000	148,000	143,000	178,000	154,000	82,000	152,000	178,000	200,000	190,000	310,000	230,000	386,000	639,000	1,070,000	1,012,000	668,000	281,000	402,000	382,000	332,000	210,000	372,000	501,000	305,000	158,000	175,000	159,000	145,000	126,000	230,000	299,000	295,000	278,000	238,000	291,000	375,000	148,000	269,000	118,000	155,000	164,000
assets held in trading accounts	122,000	118,000	99,000																																					3,000	6,000	7,000	4,000	4,000	3,000	3,000	6,000	11,000	13,000
total interest income	301,814,000	307,531,000	313,423,000	315,023,000	307,837,000	325,982,000	334,289,000	329,145,000	322,649,000	323,518,000	310,286,000	297,220,000	279,137,000	264,584,000	230,618,000	204,806,000	161,727,000	170,732,000	163,926,000	166,969,000	169,434,000	179,108,000	179,725,000	191,654,000	209,231,000	214,054,000	197,306,000	196,169,000	179,116,000	178,296,000	178,984,000	166,268,000	157,139,000	145,195,000	87,484,000	83,898,000	78,427,000	80,065,000	73,418,000	71,900,000	75,622,000	79,324,000	85,199,000	79,169,000	57,255,000	45,215,000	32,571,000	33,232,000	31,192,000
interest expense
deposits	97,602,000	102,505,000	116,610,000	126,339,000	130,454,000	143,030,000	152,244,000	153,033,000	151,933,000	143,870,000	133,157,000	108,364,000	87,528,000	57,049,000	25,429,000	9,754,000	6,817,000	8,095,000	9,116,000	10,782,000	13,179,000	14,371,000	16,206,000	18,006,000	31,277,000	36,529,000	36,936,000	34,796,000	30,750,000	28,762,000	24,390,000	18,461,000	15,597,000	12,706,000	6,030,000	4,816,000	4,204,000	4,055,000	3,732,000	3,776,000	3,654,000	3,951,000	4,158,000	4,195,000	2,944,000	2,232,000	2,082,000	2,199,000	2,680,000
federal funds purchased and securities sold under agreements to repurchase	36,000	57,000	72,000	59,000	113,000	119,000	138,000	156,000	189,000	232,000	277,000	318,000	323,000	449,000	305,000	119,000	68,000	72,000	70,000	192,000	245,000	284,000	335,000	337,000	759,000	368,000	249,000	257,000	136,000	121,000	104,000	88,000	110,000	97,000	83,000	92,000	75,000	90,000	59,000	59,000	65,000	59,000	55,000	57,000	64,000	55,000	53,000	65,000	77,000
other borrowings	1,746,000	2,138,000	2,957,000	10,613,000	7,714,000	11,386,000	17,067,000	15,025,000	11,649,000	16,607,000	16,450,000	18,612,000	8,848,000	9,263,000	6,048,000	4,844,000	4,779,000	4,903,000	4,893,000	4,897,000	4,802,000	4,869,000	4,943,000	4,963,000	4,877,000	4,615,000	5,381,000	6,219,000	6,793,000	7,134,000	6,240,000	5,141,000	5,139,000	3,993,000	1,875,000	1,559,000	1,194,000	1,034,000	1,048,000	938,000	1,128,000	1,083,000	1,812,000	1,151,000	1,051,000	996,000	692,000	734,000	799,000
subordinated notes and debentures	5,262,000	5,535,000	7,123,000	6,188,000	6,134,000	6,505,000	7,128,000	7,026,000	6,972,000	7,181,000	6,969,000	6,696,000	4,603,000	4,797,000	5,251,000	4,990,000	4,457,000	4,581,000	4,610,000	4,565,000	4,527,000	4,624,000	4,631,000	4,667,000	4,835,000	4,813,000	4,576,000	4,541,000	4,411,000	4,498,000	5,282,000	5,741,000	1,327,000
total interest expense	104,646,000	110,235,000	126,762,000	143,199,000	144,415,000	161,040,000	176,577,000	175,240,000	170,743,000	167,890,000	156,853,000	133,990,000	101,302,000	71,558,000	37,033,000	19,707,000	16,121,000	17,651,000	18,689,000	20,436,000	22,753,000	24,148,000	26,115,000	27,973,000	41,748,000	46,325,000	47,142,000	45,813,000	42,090,000	40,515,000	36,016,000	29,431,000	22,173,000	18,276,000	8,665,000	7,086,000	6,047,000	5,737,000	5,355,000	5,317,000	5,390,000	5,573,000	6,523,000	5,962,000	4,293,000	3,443,000	2,989,000	3,157,000	3,941,000
net interest income	197,168,000	197,296,000	186,661,000	171,824,000	163,422,000	164,942,000	157,712,000	153,905,000	151,906,000	155,628,000	153,433,000	163,230,000	177,835,000	193,026,000	193,585,000	185,099,000	145,606,000	153,081,000	145,237,000	146,533,000	146,681,000	154,960,000	153,610,000	163,681,000	167,483,000	167,729,000	150,164,000	150,356,000	137,026,000	137,781,000	142,968,000	136,837,000	134,966,000	126,919,000	78,819,000	76,812,000	72,380,000	74,328,000	68,063,000	66,583,000	70,232,000	73,751,000	78,676,000	73,207,000	52,962,000	41,772,000	29,582,000	30,075,000	27,251,000
provision for credit losses	14,622,000	15,116,000	11,966,000	11,945,000	26,797,000	13,332,000	12,148,000	11,099,000	10,206,000	10,029,000	7,722,000	61,000	24,216,000			33,859,000	-19,914,000	-1,308,000	-19,890,000	-12,951,000	1,445,000			26,915,000	26,134,000
net interest income after provision for credit losses	182,546,000	182,180,000	174,695,000	159,879,000	136,625,000	151,610,000	145,564,000	142,806,000	141,700,000	145,599,000	145,711,000	163,169,000	153,619,000			151,240,000	165,520,000	154,389,000	165,127,000	159,484,000	145,236,000			136,766,000	141,349,000
noninterest income
service charges on deposit accounts	12,656,000	12,669,000	13,045,000	12,588,000	12,635,000	12,978,000	12,713,000	12,252,000	11,955,000	12,782,000	12,429,000	12,882,000	12,437,000	11,892,000	12,560,000	11,379,000	10,696,000	11,909,000	11,557,000	10,050,000	9,715,000	10,799,000	10,385,000	8,570,000	13,328,000	13,332,000	10,825,000	10,557,000	10,068,000	11,263,000	10,837,000	10,063,000	10,345,000	10,587,000	8,907,000	8,483,000	8,102,000	8,666,000	8,771,000	7,661,000	7,316,000	8,104,000	8,488,000	8,031,000	6,363,000	6,238,000	4,474,000	4,241,000	3,930,000
debit and credit card fees	8,503,000	8,660,000	8,478,000	8,567,000	8,446,000	8,323,000	8,144,000	8,162,000	8,246,000	7,822,000	7,712,000	7,986,000	7,952,000	7,845,000	7,685,000	8,224,000	7,449,000	7,460,000	7,102,000	7,882,000	8,964,000	8,710,000	8,850,000	7,996,000	7,914,000	8,920,000	7,059,000	7,212,000	6,098,000	6,547,000	6,820,000	10,105,000	8,796,000	8,801,000	8,864,000	8,659,000	7,934,000	8,027,000	7,825,000	7,688,000	7,200,000	7,647,000	6,879,000	6,486,000		5,769,000
wealth management fees	10,533,000	10,337,000	9,965,000	9,464,000	9,629,000	8,828,000	8,226,000	8,274,000	7,478,000	7,679,000	7,719,000	7,440,000	7,365,000	8,151,000	8,562,000	7,214,000	7,968,000
mortgage lending income	1,854,000	2,232,000	2,259,000	1,687,000	2,013,000	1,828,000	1,956,000	1,973,000	2,320,000	1,603,000	2,157,000	2,403,000	1,570,000	1,139,000	2,593,000	2,240,000	4,550,000	5,043,000	5,818,000	4,490,000	6,447,000	2,993,000	13,971,000	12,459,000	5,046,000	4,029,000	4,509,000	3,656,000	2,823,000									7,013,000	5,760,000	5,877,000	3,792,000	2,296,000	3,446,000	3,449,000	2,262,000	1,812,000	1,338,000	1,216,000	1,445,000
bank owned life insurance income	4,218,000	3,942,000	3,943,000	3,890,000	4,092,000	3,780,000	3,757,000	3,876,000	3,814,000	3,094,000	3,095,000	2,555,000	2,973,000	2,975,000	2,902,000	2,563,000	2,706,000	2,768,000	2,573,000	2,038,000	1,523,000	1,481,000	1,591,000	1,445,000	1,298,000	1,411,000	1,302,000	1,260,000	795,000	1,105,000	1,105,000	1,102,000	1,103,000	1,101,000	725,000	859,000	818,000	895,000	606,000	826,000	997,000	614,000	748,000	746,000	572,000	411,000	366,000	278,000	368,000
other service charges and fees	1,606,000	1,503,000	1,474,000	1,321,000	1,333,000	2,256,000	2,381,000	2,352,000	2,199,000	2,346,000	2,232,000	2,262,000	2,282,000	2,023,000	2,085,000	1,871,000	1,637,000	1,762,000	1,964,000	2,048,000	1,922,000	1,783,000	1,764,000	1,489,000	1,588,000	1,915,000	1,308,000	1,312,000	1,289,000	1,501,000	1,201,000	2,017,000	2,750,000	2,774,000	2,433,000	2,515,000	2,197,000	1,593,000	1,840,000	1,571,000	1,909,000	1,877,000	3,089,000	3,130,000	1,827,000	808,000	791,000	775,000	738,000
other income	4,827,000	12,365,000	6,141,000	4,837,000	8,007,000	5,565,000	8,346,000	6,410,000	7,172,000	6,866,000	7,433,000	9,843,000	11,256,000	6,600,000	6,658,000	6,837,000	7,266,000	10,683,000	6,220,000	8,110,000	10,260,000	10,557,000	5,380,000	9,809,000	12,801,000	6,410,000	43,821,000	5,137,000	3,125,000	5,712,000	4,942,000	5,202,000	4,007,000	4,090,000	7,276,000	4,281,000	3,621,000	3,722,000	6,755,000	4,669,000	3,642,000	4,520,000	7,006,000	3,863,000	1,390,000	2,637,000	733,000	1,008,000	876,000
total noninterest income	44,197,000	51,708,000	-756,187,000	42,354,000	46,155,000	43,558,000	17,130,000	43,299,000	43,184,000	21,974,000	42,777,000	44,980,000	45,835,000	44,647,000	43,023,000
noninterest expense
salaries and employee benefits	75,885,000	72,924,000	76,249,000	73,862,000	74,824,000	71,588,000	69,167,000	70,716,000	72,653,000	66,982,000	67,374,000	74,723,000	77,038,000	73,018,000	71,923,000	74,135,000	67,906,000	63,832,000	61,902,000	60,261,000	60,340,000	55,762,000	61,144,000	57,644,000	67,924,000	63,235,000	52,065,000	56,128,000	56,367,000	49,193,000	55,515,000	55,678,000	56,357,000	49,288,000	35,285,000	34,205,000	35,536,000	33,797,000	31,784,000	33,103,000	34,773,000	39,746,000	37,417,000	35,475,000	26,771,000	20,892,000	17,937,000	18,507,000	16,590,000
occupancy expense	12,218,000	11,636,000	12,106,000	11,844,000	12,651,000	11,876,000	12,216,000	11,864,000	12,258,000	11,733,000	12,020,000	11,410,000	11,578,000	11,620,000	11,674,000	11,004,000	10,023,000	11,033,000	9,361,000	9,103,000	9,300,000	9,182,000	9,647,000	9,217,000	9,510,000	9,272,000	8,342,000	6,919,000	7,475,000	7,016,000	7,713,000	7,921,000	6,960,000	6,700,000	4,928,000	4,868,000	4,663,000	4,516,000	4,690,000	4,990,000	4,471,000	3,418,000	4,812,000	5,051,000	3,557,000	3,204,000	2,450,000	2,555,000	2,029,000
furniture and equipment expense	5,423,000	5,304,000	5,275,000	5,474,000	5,465,000	5,671,000	5,612,000	5,623,000	5,141,000	5,445,000	5,117,000	5,128,000	5,051,000	5,392,000	5,394,000	5,104,000	4,775,000	4,721,000	4,895,000	4,859,000	5,415,000	5,940,000	6,231,000	6,144,000	5,723,000	5,758,000	4,898,000	4,206,000	3,358,000	4,139,000	3,761,000	4,020,000	4,403,000	5,533,000	4,840,000	4,550,000	4,443,000	4,387,000	4,272,000	4,077,000	3,947,000	3,731,000	4,202,000	3,241,000	3,268,000	2,363,000	2,030,000	1,723,000	1,608,000
other real estate and foreclosure expense	315,000	432,000	200,000	216,000	198,000	317,000	87,000	117,000	179,000	189,000	228,000	289,000	186,000	350,000	168,000	142,000	343,000	576,000	339,000	863,000	343,000	551,000	602,000	274,000	325,000	1,089,000	1,125,000	591,000	637,000	1,540,000	538,000	1,382,000	1,020,000	865,000	1,071,000	517,000	589,000	679,000	1,849,000	967,000	966,000	1,167,000	2,297,000	1,017,000	381,000	1,864,000	59,000	331,000	194,000
deposit insurance	2,295,000	4,736,000	5,175,000	4,917,000	5,391,000	5,550,000	5,571,000	5,682,000	7,135,000	15,220,000	4,672,000	5,201,000	4,893,000	3,680,000	3,278,000	2,812,000	1,838,000	2,108,000	1,870,000	1,687,000	1,308,000	1,627,000	2,244,000	2,838,000	2,475,000	-134,000		2,510,000	2,040,000	2,489,000	2,248,000	1,856,000	2,128,000	1,216,000	1,020,000	780,000	680,000	89,000	1,136,000	1,096,000	1,148,000	1,222,000	1,013,000	1,096,000	870,000	877,000	492,000	775,000	457,000
other operating expenses	44,537,000	44,830,000	43,027,000	42,276,000	46,051,000	46,115,000	44,540,000	45,352,000	42,513,000	48,570,000	42,582,000	42,926,000	43,086,000	48,480,000	45,084,000	44,483,000	41,646,000	45,736,000	34,565,000	38,007,000	38,417,000	54,342,000	38,179,000	34,651,000	38,788,000	38,044,000	37,879,000	32,867,000	30,062,000	30,222,000	29,674,000	26,185,000	25,494,000	30,844,000	18,263,000	19,885,000	19,887,000	20,411,000	17,179,000	19,532,000	16,391,000	17,506,000	17,314,000	18,041,000	12,106,000	11,526,000	7,818,000	7,781,000	7,366,000
total noninterest expense	140,673,000	139,862,000	142,032,000	138,589,000	144,580,000	141,117,000	137,193,000	139,354,000	139,879,000	148,139,000	131,998,000	139,696,000	143,228,000	142,575,000	138,943,000
income before income taxes	86,070,000	94,026,000	-723,524,000	63,644,000	38,200,000	54,051,000	25,501,000	46,751,000	45,005,000	19,434,000	56,490,000	68,453,000	56,226,000	95,072,000	97,562,000	34,605,000	79,321,000	59,393,000	99,344,000	91,942,000	81,783,000	63,938,000	83,531,000	74,395,000	97,930,000	65,698,000	105,101,000	71,540,000	60,093,000	67,353,000	66,095,000	67,345,000	65,278,000	45,457,000	43,530,000	34,125,000	31,811,000	39,386,000	34,211,000	34,718,000	35,123,000	31,364,000	32,638,000	30,345,000	12,917,000	12,325,000	9,502,000	8,557,000	9,325,000
provision for income taxes	17,526,000	15,948,000	-160,732,000	8,871,000	5,812,000	5,732,000	761,000	5,988,000	6,134,000	-4,473,000	9,243,000	10,139,000	10,637,000			7,151,000	14,226,000	11,155,000	18,770,000	17,018,000	14,363,000			15,593,000	20,694,000	12,976,000	23,275,000	15,616,000		9,662,750	10,902,000			26,554,000	14,678,000	11,060,000	9,691,000	12,415,000	10,782,000	11,809,000	11,618,000	7,505,000	10,963,000	10,250,000		3,537,000	2,926,000		2,789,000
net income	68,544,000	78,078,000	-562,792,000	54,773,000	32,388,000	48,319,000	24,740,000	40,763,000	38,871,000	23,907,000	47,247,000	58,314,000	45,589,000	83,260,000	80,603,000	27,454,000	65,095,000	48,238,000	80,574,000	74,924,000	67,420,000	52,968,000	65,898,000	58,802,000	77,236,000	52,722,000	81,826,000	55,924,000	47,695,000	55,646,000	55,193,000	53,562,000	51,312,000	18,903,000	28,852,000	23,065,000	22,120,000	26,971,000	23,429,000	22,909,000	23,505,000	23,859,000	21,675,000	20,095,000	8,735,000	8,788,000	6,576,000	5,937,000	6,536,000
yoy	111.63%	61.59%	-2374.83%	34.37%	-16.68%	102.11%	-47.64%	-30.10%	-14.74%	-71.29%	-41.38%	112.41%	-29.97%	72.60%	0.04%	-63.36%	-3.45%	-8.93%	22.27%	27.42%	-12.71%	0.47%	-19.47%	5.15%	61.94%	-5.25%	48.25%	4.41%	-7.05%	194.38%	91.30%	132.22%	131.97%	-29.91%	23.15%	0.68%	-5.89%	13.04%	8.09%	14.00%	169.09%	171.50%	229.61%	238.47%	33.64%
qoq	-12.21%	-113.87%	-1127.50%	69.12%	-32.97%	95.31%	-39.31%	4.87%	62.59%	-49.40%	-18.98%	27.91%	-45.25%	3.30%	193.59%	-57.82%	34.95%	-40.13%	7.54%	11.13%	27.28%	-19.62%	12.07%	-23.87%	46.50%	-35.57%	46.32%	17.25%	-14.29%	0.82%	3.05%	4.38%	171.45%	-34.48%	25.09%	4.27%	-17.99%	15.12%	2.27%	-2.54%	-1.48%	10.08%	7.86%	130.05%	-0.60%	33.64%	10.76%	-9.16%
basic earnings per share	0.47	0.68	-4.01	0.43	0.26	0.39	0.2	0.32	0.31	0.2	0.38	0.46	0.36	0.66	0.63	0.21	0.58	0.41	0.75	0.69	0.62	0.49	0.6	0.54	0.68	0.47	0.85	0.58	0.52	0.6	0.6	0.58	0.56	-0.99	0.9	0.72	0.71	0.87	0.77	0.75	0.77	0.8	0.72	0.67	0.39	0.52	0.4	0.36	0.38
diluted earnings per share	0.47	0.68	-4	0.43	0.26	0.38	0.2	0.32	0.31	0.19	0.37	0.46	0.36	0.66	0.63	0.21	0.58	0.41	0.74	0.69	0.62	0.48	0.6	0.54	0.68	0.47	0.84	0.58	0.51	0.6	0.59	0.58	0.55	-0.98	0.89	0.72	0.7	0.85	0.76	0.75	0.77	0.8	0.72	0.67	0.39	0.52	0.4	0.36	0.38
loss on sale of securities			-801,492,000				-28,393,000			-97,750		-391,000																																	-38,000		-193,000
merger related costs											5,000	19,000	1,396,000	35,000	1,422,000	19,133,000	1,886,000	13,591,000	1,401,000	686,000	233,000	731,000	902,000	1,830,000	1,068,000	24,831,000	2,556,000	7,522,000	1,470,000	797,000	804,000	1,465,000	1,711,000	14,044,000	752,000	6,603,000	524,000	2,846,000	1,524,000	372,000	93,000	1,237,000	857,000	1,247,000	10,419,000	3,628,000	-467,000	240,000
other loans held for sale														59,000	998,000
benefit from credit losses														3,512,000	103,000							17,007,500	22,981,000
net interest income after benefit from credit losses														127,560,500	193,482,000							104,186,000	130,629,000
gain on sale of securities														-52,000	-22,000	-150,000	-54,000	-348,000	5,248,000	5,127,000	5,471,000	16,000	22,305,000	390,000	32,095,000	377,000	7,374,000	2,823,000	2,740,000	8,000	54,000	-7,000	6,000	-1,243,000	3,000	2,236,000	63,000	1,445,000	315,000	3,759,000	329,000	305,000	40,000			-18,000
benefit from income taxes														9,584,000	16,959,000							13,480,000	17,633,000						12,398,000			13,783,000	13,966,000												4,182,000			2,620,000
preferred stock dividends																		8,000	13,000	13,000	13,000	13,000	13,000	13,000	13,000	13,000		326,000													24,000	77,000	77,000	77,000	26,000
net income available to common stockholders														83,260,000	80,603,000	27,454,000	65,095,000	48,230,000	80,561,000	74,911,000	67,407,000	52,955,000	65,885,000	58,789,000	77,223,000	52,709,000	81,826,000	55,598,000						18,903,000	28,852,000	23,065,000	22,120,000	26,971,000	23,429,000	22,909,000	23,481,000	12,581,250	21,598,000	20,018,000	8,709,000
non-interest income
total non-interest income																40,178,000	42,218,000	46,601,000	48,550,000	47,924,000	51,903,000	44,056,000	71,851,000	50,227,000	82,394,000	44,967,000	83,775,000	39,006,000	33,761,000	34,588,000	33,725,000	38,048,000	37,535,000	36,629,000	36,332,000	35,744,000	30,060,000	36,115,000	36,876,000	36,888,000	29,503,000	28,870,000	23,489,000	25,312,000	18,498,000	16,035,000	11,273,000	11,313,000	11,093,000
non-interest expense
total non-interest expense																156,813,000	128,417,000	141,597,000	114,333,000	115,466,000	115,356,000	128,135,000	118,949,000	112,598,000	125,813,000	142,095,000	106,865,000	110,743,000	101,409,000	95,396,000	100,253,000	98,507,000	98,073,000	108,490,000	66,159,000	71,408,000	66,322,000	66,725,000	62,434,000	64,137,000	61,789,000	68,027,000	67,912,000	65,168,000	57,372,000	44,354,000	30,319,000	31,912,000	28,244,000
trust income																		5,262,250	7,145,000	7,238,000	6,666,000	6,557,000	6,744,000	7,253,000	7,151,000	7,430,000	6,108,000	5,794,000	5,708,000	5,980,000	6,277,000	5,622,000	5,249,000	6,020,000	4,225,000	4,113,000	4,212,000	4,282,000	3,873,000	3,656,000	3,631,000	2,725,000	2,215,000	2,070,000	2,251,000	1,838,000	1,342,000	1,444,000	1,240,000
sba lending income																		179,500	191,000	287,000	240,000	484,000	304,000	245,000	296,000	321,000	956,000	895,000	497,000
investment banking income																		520,250	732,000	654,000	695,000	676,000	557,000	571,000	877,000	822,000	513,000	360,000	618,000	829,000	664,000	814,000	834,000	786,000	680,000	637,000	690,000	472,000	1,131,000	1,181,000	687,000	782,000	663,000	593,000	894,000	284,000	696,000	454,000	442,000
loans																						160,115,000	163,180,000	176,910,000	187,566,000	193,402,000	179,971,000	178,122,000	159,440,000	159,996,000	162,438,000	150,253,000	143,350,000	132,617,000	77,457,000	73,549,000	68,728,000	70,887,000	65,078,000	63,009,000	66,678,000	70,510,000	76,432,000	70,438,000	50,986,000
provision for loan losses																										4,903,000	21,973,000	7,079,000		7,132,000	10,345,000			9,601,000	5,462,000	7,023,000	4,307,000	4,332,000	8,294,000	4,616,000	2,823,000	3,230,000	1,615,000	3,006,000		1,128,000	1,034,000		775,000
net interest income after provision for loan losses																										162,826,000	128,191,000	143,277,000		96,560,750	132,623,000			117,318,000	73,357,000	69,789,000	68,073,000	69,996,000	59,769,000	61,967,000	67,409,000	70,521,000	77,061,000	70,201,000		40,644,000	28,548,000		26,476,000
benefit from loan losses																													9,285,000			9,033,000	9,150,000												1,171,000			919,000
net interest income after benefit from loan losses																													127,741,000			127,804,000	125,816,000												51,791,000			29,156,000
mortgage and sba lending income																														1,643,000	1,825,000	3,130,000	4,445,000	3,713,000	3,219,000	3,961,000	2,423,000
subordinated debentures																																		1,480,000	677,000	619,000	574,000	558,000	516,000	544,000	543,000	480,000	498,000	559,000	234,000	160,000	162,000	159,000	385,000
federal funds sold																																				13,000	1,000			17,000	10,000	8,000	15,000	73,000	29,000	12,000	5,000	3,000	1,000
interest bearing balances due from banks																																				201,000	121,000			77,000	144,000	212,000	122,000	229,000	210,000	132,000	352,000	290,000	349,000
federal funds sold and other																																						131,000	267,000
net (loss) on assets covered by fdic loss share agreements																																										-3,703,000	-9,085,000	-3,056,000
net loss on assets covered by fdic loss share agreements
credit card fees																																													5,648,000		4,341,000	4,039,000	4,207,000
net income on assets covered by fdic loss share agreements																																													-2,671,000
legacy loans																																														23,841,000
loans acquired																																														16,241,000
net gain on assets covered by fdic loss share agreements																																														-3,744,000	-2,615,000	-2,142,000	-2,153,000
loans not covered by fdic loss share																																															22,602,000	23,696,000
loans covered by fdic loss share																																															6,469,000	6,175,000
loans not covered by loss share agreements																																																	22,358,000
loans covered by fdic loss share agreements																																																	4,994,000

Balance Sheets:

Quarterly

Annual

Unit: USD	2026-03-31	2025-12-31	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30	2023-06-30	2023-03-31	2022-12-31	2022-09-30	2022-06-30	2022-03-31	2021-12-31	2021-09-30	2021-06-30	2021-03-31	2020-12-31	2020-09-30	2020-06-30	2020-03-31	2019-12-31	2019-09-30	2019-06-30	2019-03-31	2018-12-31	2018-09-30	2018-06-30	2018-03-31	2017-12-31	2017-09-30	2017-06-30	2017-03-31	2016-12-31	2016-09-30	2016-06-30	2016-03-31	2015-12-31	2015-09-30	2015-06-30	2015-03-31	2014-09-30	2013-06-30	2013-03-31	2012-06-30	2012-03-31	2011-09-30	2011-06-30	2011-03-31	2010-12-31

assets
cash and noninterest bearing balances due from banks	342,603,000	380,439,000	377,604,000	398,081,000	423,171,000	429,705,000	398,321,000	320,021,000	380,324,000	345,258,000	181,822,000	181,268,000	199,316,000	200,616,000	175,547,000
interest bearing balances due from banks and federal funds sold	205,880,000	331,474,000	266,013,000	246,381,000	211,115,000	257,672,000	205,081,000	254,312,000	222,979,000	268,834,000	423,826,000	564,644,000	325,135,000	481,506,000	503,863,000	771,374,000	1,491,507,000	1,441,463,000	1,555,913,000	2,123,743,000	3,677,750,000	3,254,653,000	2,139,440,000	2,310,162,000	1,493,076,000	719,415,000	368,530,000	509,765,000	340,049,000	661,666,000	388,573,000	781,279,000	688,853,000	393,017,000	323,615,000
cash and cash equivalents	548,483,000	711,913,000	643,617,000	644,462,000	634,286,000	687,377,000	603,402,000	574,333,000	603,303,000	614,092,000	605,648,000	745,912,000	524,451,000	682,122,000	679,410,000	964,847,000	1,687,017,000	1,650,653,000	1,781,413,000	2,339,124,000	3,905,463,000	3,472,152,000	2,522,131,000	2,545,160,000	1,737,199,000	996,623,000	529,970,000	655,256,000	491,161,000	833,458,000	513,804,000	943,846,000	859,664,000	598,042,000	432,290,000	329,614,000	305,281,000	285,659,000	454,523,000	250,607,000	223,061,000	252,262,000	400,998,000	292,470,000	685,828,000	294,296,000	459,234,000	642,998,000	545,582,000	677,993,000	523,691,000	541,927,000	509,170,000	452,060,000
interest bearing balances due from banks - time	100,000		100,000	100,000	100,000		100,000	100,000	100,000		100,000	545,000	795,000		1,290,000	1,535,000	1,857,000		1,780,000	1,335,000	1,334,000		4,061,000	4,561,000	4,309,000		5,041,000	5,041,000	4,684,000		3,954,000	2,974,000	3,069,000		4,059,000	6,057,000	4,563,000		4,393,000	9,781,000	11,188,000		16,504,000	24,189,000	25,000,000
available-for-sale,	3,152,286,000		3,319,277,000	2,405,320,000	2,491,849,000		2,691,094,000	2,885,904,000	3,027,558,000
mortgage loans held for sale	14,311,000	17,438,000	15,507,000	16,972,000	8,351,000	11,417,000	8,270,000	13,053,000	11,899,000	9,373,000	11,690,000	10,342,000	4,244,000	3,486,000	12,759,000	14,437,000	18,206,000	36,356,000	34,628,000	36,011,000	63,655,000	137,378,000	192,729,000	120,034,000	49,984,000	58,102,000	50,099,000	34,999,000	18,480,000	26,799,000	48,195,000	39,812,000	17,708,000	24,038,000	12,614,000	16,266,000	9,754,000	27,788,000	28,069,000	30,529,000	24,563,000	30,265,000	15,556,000	48,094,000	25,513,000	22,003,000	14,454,000	19,100,000	15,495,000	24,351,000	21,037,000	9,983,000	6,618,000	17,237,000
assets held in trading accounts	14,543,000	11,685,000	12,695,000																																49,000	50,000	55,000	41,000	2,969,000	7,321,000	7,074,000	4,422,000	6,292,000	6,481,000	6,528,000	6,819,000	8,739,000	8,368,000	7,812,000	7,708,000	5,252,000	7,356,000	7,468,000	7,577,000
loans	17,932,883,000	17,492,179,000	17,188,817,000	17,111,096,000	17,094,078,000	17,005,937,000	17,336,040,000	17,192,437,000	17,001,760,000	16,845,670,000	16,771,888,000	16,833,653,000	16,555,098,000	16,142,124,000	15,607,135,000	15,110,344,000	12,028,593,000	12,012,503,000	10,825,227,000	11,386,352,000	12,195,873,000	12,900,897,000	14,017,442,000	14,606,900,000	14,374,277,000																						1,650,395,000	1,589,077,000			1,631,541,000	1,633,660,000	1,619,374,000	1,683,464,000
allowance for credit losses on loans	-229,908,000	-224,377,000	-258,006,000	-253,537,000	-252,168,000	-235,019,000	-233,223,000	-230,389,000	-227,367,000	-225,231,000	-218,547,000	-209,966,000	-206,557,000	-196,955,000	-197,589,000	-212,611,000	-178,924,000	-205,332,000	-202,508,000	-227,239,000	-235,116,000	-238,050,000	-248,251,000	-231,643,000	-243,195,000
net loans	17,702,975,000	17,267,802,000	16,930,811,000	16,857,559,000	16,841,910,000	16,770,918,000	17,102,817,000	16,962,048,000	16,774,393,000	16,620,439,000	16,553,341,000	16,623,687,000	16,348,541,000	15,945,169,000	15,409,546,000	14,897,733,000	11,849,669,000	11,807,171,000	10,622,719,000	11,159,113,000	11,960,757,000	12,662,847,000	13,769,191,000	14,375,257,000	14,131,082,000	14,357,460,000	12,936,959,000	13,063,946,000	11,681,494,000	11,666,572,000	11,802,837,000	11,314,163,000	10,940,121,000	10,738,017,000	6,260,634,000	6,183,932,000	5,739,331,000	5,596,604,000	5,367,193,000	4,980,334,000	4,897,380,000	4,888,004,000	4,822,714,000	4,782,089,000	4,607,105,000	2,730,516,000	1,850,233,000	1,821,624,000	1,700,528,000	1,645,063,000	1,602,390,000	1,605,864,000	1,591,469,000	1,657,048,000
premises and equipment	557,873,000	561,220,000	568,343,000	573,160,000	573,616,000	585,431,000	584,366,000	581,893,000	576,466,000	570,678,000	567,167,000	562,025,000	564,497,000	548,741,000	549,932,000	553,062,000	486,531,000	483,469,000	463,924,000	429,587,000	427,540,000	441,692,000	470,491,000	478,896,000	484,990,000	492,384,000	378,678,000	370,551,000	333,740,000	295,060,000	287,246,000	288,777,000	289,355,000	287,249,000	224,376,000	230,641,000	221,880,000	199,359,000	192,523,000	183,362,000	192,327,000	193,618,000	190,182,000	191,335,000	200,091,000	115,639,000	88,164,000	87,934,000	85,171,000	85,784,000	86,972,000	82,145,000	82,948,000	77,199,000
foreclosed assets and other real estate owned	12,475,000	12,009,000	6,386,000	8,794,000	8,976,000	9,270,000	1,299,000	2,209,000	3,511,000	4,073,000	3,809,000	3,909,000	2,721,000	2,887,000	3,612,000	4,084,000	5,118,000	6,032,000	11,759,000	15,239,000	11,168,000	18,393,000	12,590,000	14,111,000	20,805,000	19,121,000	19,576,000	24,761,000	18,952,000	25,565,000	22,664,000	30,503,000	29,140,000	32,118,000	31,477,000
interest receivable	101,557,000	104,062,000	104,383,000	120,443,000	117,398,000	123,243,000	125,700,000	126,625,000	122,781,000	122,430,000	110,361,000	103,431,000	98,775,000	102,892,000	86,637,000	82,332,000	69,357,000	72,990,000	68,405,000	67,916,000	71,359,000	72,597,000	77,352,000	79,772,000	57,039,000	62,707,000	53,966,000	54,781,000	51,796,000	49,938,000	51,509,000	44,266,000	42,129,000	43,528,000	30,749,000	27,337,000	26,089,000	27,788,000	27,390,000	24,150,000	23,545,000	25,793,000	26,873,000	24,129,000	24,719,000	18,006,000	12,637,000	13,027,000	12,975,000	13,319,000	16,195,000	15,203,000	15,382,000	17,363,000
bank owned life insurance	542,486,000	540,001,000	539,372,000	535,481,000	535,324,000	531,805,000	508,781,000	505,023,000	503,348,000	500,559,000	497,465,000	494,370,000	493,191,000	491,340,000	488,364,000	486,355,000	448,011,000	445,305,000	421,762,000	419,198,000	257,152,000	255,630,000	257,718,000	256,643,000	255,197,000	254,152,000	234,655,000	233,345,000	192,736,000	193,170,000	192,680,000	191,575,000	186,473,000	185,984,000	148,984,000	148,134,000	139,439,000	138,620,000	138,298,000	130,943,000	130,092,000	131,536,000	118,922,000	118,073,000	117,296,000	75,357,000	59,710,000	59,344,000	51,326,000	50,934,000	50,175,000	49,914,000	49,475,000	49,072,000
goodwill	1,320,799,000	1,320,799,000	1,320,799,000	1,320,799,000	1,320,799,000	1,320,799,000	1,320,799,000	1,320,799,000	1,320,799,000	1,320,799,000	1,320,799,000	1,320,799,000	1,320,799,000	1,319,598,000	1,309,000,000	1,310,528,000	1,147,007,000	1,146,007,000	1,075,305,000	1,075,305,000	1,075,305,000	1,075,305,000	1,075,305,000	1,064,765,000	1,064,978,000	1,055,520,000	926,648,000	926,450,000	845,687,000	845,687,000	845,687,000	845,687,000	845,687,000	842,651,000	375,731,000	379,437,000	350,035,000	348,505,000	348,769,000	327,686,000	327,686,000	327,686,000	314,282,000	314,282,000	314,643,000	108,158,000	60,605,000	60,605,000	60,605,000	60,605,000	60,605,000	60,605,000	60,605,000	60,605,000
other intangible assets	81,325,000	84,423,000	87,520,000	90,617,000	93,714,000	97,242,000	101,093,000	104,943,000	108,795,000	112,645,000	116,660,000	120,758,000	124,854,000	128,951,000	133,059,000	137,285,000	102,748,000	106,235,000	100,428,000	103,759,000	107,091,000	111,110,000	114,460,000	117,823,000	121,673,000	127,340,000	101,149,000	104,096,000	88,694,000	91,334,000	93,975,000	96,720,000	99,504,000	106,071,000	55,501,000	58,528,000	51,408,000	52,959,000	54,268,000	50,329,000	51,783,000	53,237,000	44,904,000	46,605,000	47,887,000	22,988,000
other assets	643,570,000	643,204,000	659,352,000	528,382,000	551,112,000	572,385,000	562,983,000	606,692,000	611,964,000	592,045,000	676,572,000	636,833,000	579,139,000	622,520,000	675,554,000	588,707,000	469,853,000	325,793,000	304,807,000	282,549,000	315,832,000	289,332,000	282,102,000	293,071,000	278,173,000	76,583,000	123,399,000	74,367,000	62,669,000	68,084,000	92,457,000	80,165,000	76,806,000	71,439,000	53,075,000	52,697,000	58,782,000	65,773,000	50,669,000	48,955,000	72,589,000	66,205,000	73,830,000	82,208,000	74,710,000	49,705,000	11,273,000	16,540,000	13,494,000	18,786,000	20,736,000	20,169,000	18,511,000	38,390,000
total assets	24,692,783,000	24,540,877,000	24,208,162,000	26,693,620,000	26,792,991,000	26,876,049,000	27,269,404,000	27,369,072,000	27,372,175,000	27,345,674,000	27,564,325,000	27,959,123,000	27,583,446,000	27,461,061,000	27,076,074,000	27,218,609,000	24,482,268,000	24,724,759,000	23,225,930,000	23,423,159,000	23,348,117,000	22,359,752,000	21,437,395,000	21,903,684,000	20,841,352,000	21,259,143,000	17,758,511,000	17,937,435,000	16,091,639,000	16,543,337,000	16,281,264,000	16,165,533,000	15,597,309,000	15,055,806,000	9,535,370,000	9,068,308,000	8,626,638,000	8,400,056,000	8,226,992,000	7,534,219,000	7,536,953,000	7,559,658,000	7,559,694,000	7,614,358,000	7,817,824,000	4,691,222,000	3,421,769,000	3,543,561,000	3,257,144,000	3,320,053,000	3,293,348,000	3,263,209,000	3,269,390,000	3,316,432,000
liabilities and stockholders’ equity
deposits:
noninterest bearing transaction accounts	4,289,697,000	4,330,211,000	4,377,232,000	4,468,237,000	4,455,255,000	4,460,517,000	4,521,715,000	4,624,186,000	4,697,539,000	4,800,880,000	4,991,034,000	5,264,962,000	5,489,434,000	6,016,651,000	6,218,283,000
interest bearing transaction accounts and savings deposits	11,311,979,000	11,141,169,000	10,932,914,000	11,176,791,000	11,265,554,000	10,982,022,000	10,863,945,000	10,925,179,000	11,071,762,000	10,997,425,000	10,571,807,000	10,866,078,000	11,283,584,000	11,762,885,000	12,103,994,000	12,816,198,000	12,105,948,000	11,588,770,000	10,697,451,000	10,569,602,000	10,279,997,000	9,672,608,000	8,993,255,000	8,978,045,000	8,840,678,000	9,090,878,000	7,337,571,000	7,258,005,000	6,666,823,000	6,830,191,000	6,776,330,000	6,916,520,000	6,720,754,000	6,494,896,000	4,344,779,000	4,141,426,000	3,987,730,000	3,956,483,000	3,815,939,000	3,538,808,000	3,524,808,000	3,485,845,000	3,521,840,000	3,581,049,000	3,627,870,000	1,984,422,000	1,428,422,000	1,456,005,000	1,290,954,000	1,282,763,000	1,194,907,000	1,228,910,000	1,217,718,000	1,220,133,000
time deposits	4,601,107,000	4,712,658,000	4,527,587,000	6,179,962,000	5,963,811,000	6,443,211,000	6,549,774,000	6,291,518,000	6,583,703,000	6,446,673,000	6,668,370,000	6,357,682,000	5,678,757,000	4,768,558,000	3,826,415,000	3,162,479,000	2,062,612,000	2,452,460,000	2,455,774,000	2,841,052,000	3,024,724,000	2,832,327,000	2,802,007,000	3,029,975,000	3,146,811,000	3,276,969,000	3,086,108,000	3,304,176,000	2,648,674,000	2,896,156,000	2,533,506,000	2,353,439,000	2,201,874,000	1,932,730,000	1,310,951,000	1,311,123,000	1,245,883,000	1,287,060,000	1,328,022,000	1,205,969,000	1,280,151,000	1,320,017,000	1,355,236,000	1,447,688,000	1,522,872,000	1,040,429,000	819,264,000	844,217,000	820,476,000	850,612,000	908,882,000	901,996,000	924,070,000	959,886,000
total deposits	20,202,783,000	20,184,038,000	19,837,733,000	21,824,990,000	21,684,620,000	21,885,750,000	21,935,434,000	21,840,883,000	22,353,004,000	22,244,978,000	22,231,211,000	22,488,722,000	22,451,775,000	22,548,094,000	22,148,692,000	22,035,863,000	19,392,422,000	19,366,548,000	18,072,070,000	18,304,613,000	18,189,388,000	16,987,026,000	16,246,647,000	16,616,118,000	15,559,733,000	16,108,940,000	13,468,009,000	13,516,213,000	11,989,531,000	12,398,752,000	12,088,506,000	11,953,448,000	11,656,915,000	11,092,875,000	7,325,590,000	7,103,535,000	6,788,288,000	6,735,219,000	6,617,381,000	6,028,203,000	6,079,775,000	6,086,096,000	6,089,800,000	6,170,022,000	6,274,708,000	3,908,915,000	2,813,119,000	2,892,664,000	2,629,284,000	2,654,577,000	2,634,814,000	2,607,180,000	2,601,416,000	2,608,769,000
federal funds purchased and securities sold under agreements to repurchase	8,708,000	21,383,000	22,348,000	31,306,000	50,133,000	37,109,000	51,071,000	52,705,000	58,760,000	67,969,000	74,482,000	102,586,000	142,862,000	160,403,000	168,513,000	155,101,000	196,828,000	185,403,000	217,276,000	187,215,000	323,053,000	299,111,000	313,694,000	387,025,000	377,859,000	150,145,000	116,536,000	130,470,000	120,213,000	95,792,000	109,213,000	99,801,000	120,909,000	122,444,000	121,687,000	121,419,000	110,007,000	115,029,000	124,289,000	103,038,000	97,429,000	99,398,000	110,437,000	111,792,000	111,484,000	112,977,000	79,063,000	108,227,000	70,220,000	106,224,000	98,286,000	93,560,000	107,099,000	109,139,000
other borrowings	446,756,000	302,253,000	18,832,000	634,349,000	884,863,000	745,372,000	1,045,878,000	1,346,378,000	871,874,000	972,366,000	1,347,855,000	1,373,339,000	1,023,826,000	859,296,000	964,772,000	1,060,244,000	1,337,243,000	1,337,973,000	1,338,585,000	1,339,193,000	1,340,467,000	1,342,067,000	1,342,769,000	1,393,689,000	1,396,829,000	1,297,599,000	1,098,395,000	1,324,094,000	1,169,989,000	1,345,450,000	1,420,917,000	1,451,811,000	1,140,986,000	1,380,024,000	522,541,000	474,962,000	441,074,000	273,159,000	215,276,000	191,827,000	176,829,000		173,426,000	171,321,000	285,060,000	123,396,000	77,659,000	81,646,000	90,866,000
subordinated notes and debentures	315,700,000	317,714,000	648,976,000	366,369,000	366,331,000	366,293,000	366,255,000	366,217,000	366,179,000	366,141,000	366,103,000	366,065,000	366,027,000	365,989,000	365,951,000	421,693,000	384,242,000		383,278,000	383,143,000						388,260,000					372,934,000	413,337,000	468,465,000
accrued interest and other liabilities	281,102,000	296,249,000	326,310,000	287,396,000	275,559,000	312,653,000	341,933,000	304,020,000	283,232,000	267,732,000	259,119,000	272,085,000	259,055,000	257,917,000	270,995,000	285,813,000	209,926,000	201,863,000	184,190,000	169,629,000	181,426,000	217,398,000	209,305,000	219,545,000	214,730,000	165,422,000	174,277,000	143,013,000	155,544,000	102,797,000	105,951,000	98,388,000	98,202,000	77,968,000	63,971,000	67,004,000	55,877,000	65,141,000	62,615,000	60,256,000	50,859,000	74,450,000	78,684,000	74,324,000	69,841,000	41,309,000	29,458,000	33,950,000	28,431,000	28,698,000	29,607,000	34,308,000	33,266,000	35,796,000
total liabilities	21,255,049,000	21,121,637,000	20,854,199,000	23,144,410,000	23,261,506,000	23,347,177,000	23,740,571,000	23,910,203,000	23,933,049,000	23,919,186,000	24,278,770,000	24,602,797,000	24,243,545,000	24,191,699,000	23,918,923,000	23,958,714,000	21,520,661,000	21,475,918,000	20,195,399,000	20,383,793,000	20,417,342,000	19,383,096,000	18,495,154,000	18,998,981,000	17,995,952,000	18,270,219,000	15,211,440,000	15,467,922,000	13,789,318,000	14,296,903,000	14,097,945,000	14,018,625,000	13,488,258,000	12,971,242,000	8,278,171,000	7,834,232,000	7,455,749,000	7,248,945,000	7,079,851,000	6,443,508,000	6,464,969,000	6,482,803,000	6,514,253,000	6,589,253,000	6,804,087,000	4,207,217,000	3,019,919,000	3,137,107,000	2,849,731,000	2,910,741,000	2,885,689,000	2,859,349,000	2,869,843,000	2,919,061,000
stockholders’ equity:
common stock, class a, 0.01 par value...	1,451,000	1,448,000	1,447,000	1,260,000	1,259,000	1,257,000	1,256,000	1,255,000	1,254,000	1,252,000	1,251,000	1,262,000	1,273,000	1,270,000	1,269,000	1,288,000	1,125,000	1,127,000	1,066,000	1,084,000	1,083,000	1,081,000	1,090,000	1,090,000	1,090,000	1,136,000	966,000	966,000	926,000	923,000	923,000	923,000	922,000	920,000	322,000	322,000	314,000	313,000	313,000	304,000	303,000	303,000	299,000	299,000	299,000	180,000	163,000	165,000	170,000	172,000	173,000	173,000		173,000
surplus	2,848,952,000	2,846,581,000	2,848,977,000	2,518,286,000	2,515,372,000	2,511,590,000	2,508,438,000	2,506,469,000	2,503,673,000	2,499,930,000	2,497,874,000	2,516,398,000	2,533,589,000	2,530,066,000	2,527,153,000	2,569,060,000	2,150,453,000	2,164,989,000	1,974,561,000	2,021,128,000	2,017,188,000	2,014,076,000	2,032,372,000	2,029,383,000	2,026,420,000	2,117,282,000	1,708,058,000	1,705,262,000	1,599,566,000	1,597,944,000	1,597,261,000	1,594,342,000	1,590,086,000	1,586,034,000	763,443,000	761,754,000	716,564,000	711,976,000	710,132,000	668,306,000	665,850,000	662,378,000	642,400,000	640,895,000	639,493,000	155,592,000	89,434,000	94,723,000	105,825,000	110,976,000	115,026,000	115,126,000	114,537,000	114,040,000
undivided profits	901,696,000	864,341,000	817,022,000	1,410,564,000	1,382,564,000	1,376,935,000	1,355,000,000	1,356,626,000	1,342,215,000	1,329,681,000	1,330,810,000	1,308,654,000	1,275,720,000	1,255,586,000	1,196,459,000	1,139,975,000	1,136,990,000	1,093,270,000	1,065,566,000	1,004,314,000	948,913,000	901,006,000	866,503,000	819,153,000	778,893,000	848,848,000	814,338,000	747,969,000	707,829,000	674,941,000	633,175,000	591,826,000	552,105,000	514,874,000	504,085,000	483,322,000	468,309,000	454,034,000	434,579,000	417,863,000	402,265,000	385,987,000	369,172,000	354,459,000	341,238,000	330,185,000	314,663,000	311,521,000	300,917,000	297,776,000	291,830,000	287,870,000	284,420,000	282,646,000
accumulated other comprehensive loss	-314,365,000	-293,130,000	-313,483,000	-380,900,000	-367,710,000	-360,910,000	-335,861,000	-405,481,000	-408,016,000	-404,375,000	-544,380,000	-469,988,000	-470,681,000	-517,560,000	-567,730,000	-450,428,000	-326,961,000												-6,000,000	-27,374,000	-48,040,000	-40,183,000	-34,062,000	-17,264,000	-10,651,000	-11,322,000	-14,298,000	-15,212,000				-2,665,000		-1,400,000		-1,952,000
total stockholders’ equity	3,437,734,000	3,419,240,000	3,353,963,000	3,549,210,000	3,531,485,000	3,528,872,000	3,528,833,000	3,458,869,000	3,439,126,000	3,426,488,000	3,285,555,000	3,356,326,000	3,339,901,000	3,269,362,000	3,157,151,000	3,259,895,000	2,961,607,000	3,248,841,000	3,030,531,000	3,039,366,000	2,930,775,000	2,976,656,000	2,942,241,000	2,904,703,000	2,845,400,000	2,988,924,000	2,547,071,000	2,469,513,000	2,302,321,000	2,246,434,000	2,183,319,000	2,146,908,000	2,109,051,000	2,084,564,000	1,257,199,000	1,234,076,000	1,170,889,000	1,151,111,000	1,147,141,000	1,090,711,000	1,071,984,000	1,076,855,000	1,045,441,000	1,025,105,000	1,013,737,000	484,005,000	401,850,000	406,454,000	407,413,000	409,312,000	407,659,000	403,860,000	399,547,000	397,371,000
total liabilities and stockholders’ equity	24,692,783,000	24,540,877,000	24,208,162,000	26,693,620,000	26,792,991,000	26,876,049,000	27,269,404,000	27,369,072,000	27,372,175,000	27,345,674,000	27,564,325,000	27,959,123,000	27,583,446,000	27,461,061,000	27,076,074,000	27,218,609,000	24,482,268,000	24,724,759,000	23,225,930,000	23,423,159,000	23,348,117,000	22,359,752,000	21,437,395,000	21,903,684,000	20,841,352,000	21,259,143,000	17,758,511,000	17,937,435,000	16,091,639,000	16,543,337,000	16,281,264,000	16,165,533,000	15,597,309,000	15,055,806,000	9,535,370,000	9,068,308,000	8,626,638,000	8,400,056,000	8,226,992,000	7,534,219,000	7,536,953,000	7,559,658,000	7,559,694,000	7,614,358,000	7,817,824,000	4,691,222,000	3,421,769,000	3,543,561,000	3,257,144,000	3,320,053,000	3,293,348,000	3,263,209,000	3,269,390,000	3,316,432,000
interest bearing balances due from banks – time		100,000				100,000				100,000				795,000				1,882,000				1,579,000				4,554,000				4,934,000				3,314,000				4,563,000				14,107,000
investment securities:
held-to-maturity, net of allowance for credit losses of 3,214 at december 31, 2024
available-for-sale, at estimated fair value		3,266,221,000				2,529,426,000				3,152,153,000				3,852,854,000	3,937,543,000	4,341,647,000	6,640,069,000
total investments		3,266,221,000	3,319,277,000	5,996,851,000	6,107,405,000	6,166,062,000	6,349,794,000	6,571,354,000	6,734,816,000	6,878,441,000	7,100,713,000	7,336,512,000	7,521,439,000	7,612,560,000	7,724,619,000	8,161,329,000	8,196,894,000	8,642,766,000	8,339,000,000	7,487,933,000	5,137,848,000	3,806,629,000	2,654,390,000	2,548,616,000	2,520,608,000	3,494,265,000	2,398,371,000	2,389,842,000	2,301,546,000	2,440,946,000	2,321,120,000	2,272,147,000	2,182,869,000	1,957,575,000	1,723,453,000	1,609,603,000	1,688,989,000	1,619,450,000	1,520,800,000	1,453,526,000	1,532,175,000	1,526,780,000	1,479,641,000	1,609,297,000
held-to-maturity, net of allowance for credit losses of 3,214 at june 30, 2025 and december 31, 2024				3,591,531,000
held-to-maturity, net of allowance for credit losses of 3,214 at march 31, 2025 and december 31, 2024					3,615,556,000
held-to-maturity, net of allowance for credit losses of 3,214 at december 31, 2024 and 2023						3,636,636,000
held-to-maturity, net of allowance for credit losses of 3,214 at september 30, 2024 and december 31, 2023							3,658,700,000
held-to-maturity, net of allowance for credit losses of 3,214 at june 30, 2024 and december 31, 2023								3,685,450,000
held-to-maturity, net of allowance for credit losses of 3,214 at march 31, 2024 and december 31, 2023									3,707,258,000
held-to-maturity, net of allowance for credit losses of 3,214 and 1,388 at december 31, 2023 and 2022, respectively										3,726,288,000
held-to-maturity, net of allowance for credit losses of 3,214 and 1,388 at september 30, 2023 and december 31, 2022, respectively											3,742,292,000
available-for-sale, net of allowance for credit losses of 1,196 at september 30, 2023											3,358,421,000
held-to-maturity, net of allowance for credit losses of 3,214 and 1,388 at june 30, 2023 and december 31, 2022, respectively												3,756,754,000
available-for-sale, net of allowance for credit losses of 2,396 at june 30, 2023												3,579,758,000
held-to-maturity, net of allowance for credit losses of 1,888 and 1,388 at march 31, 2023 and december 31, 2022, respectively													3,765,483,000
available-for-sale, net of allowance for credit losses of 5,800 at march 31, 2023													3,755,956,000
held-to-maturity, net of allowance for credit losses of 1,388 and 1,279 at december 31, 2022 and 2021, respectively														3,759,706,000
other loans held for sale															2,292,000	16,375,000
held-to-maturity, net of allowance for credit losses of 1,384 and 1,279 at september 30, 2022 and december 31, 2021, respectively															3,787,076,000
cash and non-interest bearing balances due from banks																193,473,000	195,510,000	209,190,000	225,500,000	215,381,000	227,713,000	217,499,000	382,691,000	234,998,000	244,123,000	277,208,000	161,440,000	145,491,000	151,112,000	171,792,000	125,231,000	162,567,000	170,811,000	205,025,000	108,675,000	112,567,000	103,875,000	117,007,000	112,572,000	96,037,000	118,468,000	97,656,000	106,678,000	69,770,000	83,424,000	73,554,000	38,494,000	40,006,000	29,708,000	34,314,000	33,408,000	43,604,000	35,923,000	33,717,000
held-to-maturity, net of allowance for credit losses of 1,381 and 1,279 at june 30, 2022 and december 31, 2021, respectively																3,819,682,000
non-interest bearing transaction accounts																6,057,186,000	5,223,862,000	5,325,318,000	4,918,845,000	4,893,959,000	4,884,667,000	4,482,091,000	4,451,385,000	4,608,098,000	3,572,244,000	3,741,093,000	3,044,330,000	2,954,032,000	2,674,034,000	2,672,405,000	2,778,670,000	2,683,489,000	2,734,287,000	2,665,249,000	1,669,860,000	1,650,986,000	1,554,675,000	1,491,676,000	1,473,420,000	1,283,426,000	1,274,816,000	1,280,234,000	1,212,724,000	1,141,285,000	1,123,966,000	884,064,000	565,433,000	592,442,000	517,854,000	521,202,000	531,025,000	476,274,000	459,628,000
held-to-maturity, net of allowance for credit losses of 1,377 and 1,279 at march 31, 2022 and december 31, 2021, respectively																	1,556,825,000
other assets held for sale																		100,000				100,000	389,000	399,000	115,315,000	260,332,000				1,790,000	5,136,000	14,898,000	24,784,000	165,780,000	182,378,000
held-to-maturity, net of allowance for credit losses of 1,279 and 2,915 at december 31, 2021 and 2020, respectively																		1,529,221,000
available-for-sale, net of allowance for credit losses of 0 and 312 at december 31, 2021 and 2020, respectively																		7,113,545,000
premises held for sale																				6,090,000	13,613,000	15,008,000	4,486,000	4,576,000													4,611,000	6,052,000	6,732,000	6,167,000	2,364,000	923,000	923,000	6,587,000		15,856,000
subordinated debentures																		384,131,000			383,008,000	382,874,000	382,739,000	382,604,000	388,396,000		354,223,000	354,132,000	354,041,000	353,950,000				140,565,000	67,418,000	67,312,000	60,503,000	60,397,000	60,290,000	60,184,000	60,077,000	60,570,000	61,906,000	61,794,000	62,994,000	20,620,000	20,620,000	20,620,000	30,930,000
other liabilities held for sale																						154,620,000			58,405,000	159,853,000				162,000	424,000	1,840,000	2,781,000	157,366,000	176,964,000
preferred stock, 40,040,000 shares authorized; series d, 0.01 par value...																			767,000	767,000	767,000	767,000	767,000	767,000	767,000	767,000
accumulated other comprehensive income																		-10,545,000	-11,429,000	12,073,000	-37,176,000	59,726,000	41,509,000	54,310,000	38,230,000	20,891,000	23,709,000	15,316,000											2,117,000	4,238,000	3,566,000		2,718,000		1,855,000		-2,410,000	45,000	501,000
held-to-maturity, net of allowance for credit losses of 1,279 and 2,915 at september 30, 2021 and december 31, 2020, respectively																			1,516,797,000
available-for-sale, net of allowance for credit losses of 0 and 312 at september 30, 2021 and december 31, 2020, respectively																			6,822,203,000
held-to-maturity, net of allowance for credit losses of 1,132 and 2,915 at june 30, 2021 and december 31, 2020, respectively																				931,352,000
available-for-sale, net of allowance for credit losses of 0 and 312 at june 30, 2021 and december 31, 2020, respectively																				6,556,581,000
held-to-maturity, net of allowance for credit losses of 1,618 and 2,915 at march 31, 2021 and december 31, 2020, respectively																					609,500,000
available-for-sale, net of allowance for credit losses of 2,454 and 312 at march 31, 2021 and december 31, 2020, respectively																					4,528,348,000
held-to-maturity, net of allowance for credit losses of 2,915 at december 31, 2020																						333,031,000
available-for-sale, net of allowance for credit losses of 312 at december 31, 2020																						3,473,598,000
held-to-maturity, net of allowance for credit losses of 373 at september 30, 2020																							47,102,000
available-for-sale, net of allowance for credit losses of 1,208 at september 30, 2020																							2,607,288,000
held-to-maturity, net of allowance for credit losses of 307 at june 30, 2020																								51,720,000
available-for-sale, net of allowance for credit losses of 609 at june 30, 2020																								2,496,896,000
held-to-maturity, net of allowance for credit losses of 409 at march 31, 2020																									53,968,000
available-for-sale, net of allowance for credit losses of 269 at march 31, 2020																									2,466,640,000
held-to-maturity																										40,927,000	42,237,000	47,455,000	61,435,000	289,194,000	323,306,000	333,503,000	352,756,000	368,058,000	406,033,000	419,003,000	431,176,000	462,096,000	496,594,000	632,154,000	674,502,000	705,373,000	776,294,000	861,596,000
available-for-sale																										3,453,338,000	2,356,134,000	2,342,387,000	2,240,111,000	2,151,752,000	1,997,814,000	1,938,644,000	1,830,113,000	1,589,517,000	1,317,420,000	1,190,600,000	1,257,813,000	1,157,354,000	1,024,206,000	821,372,000	857,673,000	821,407,000	703,347,000	747,701,000
loans:
legacy loans																										9,630,076,000	9,643,365,000	9,262,497,000	8,684,550,000	8,430,388,000	8,123,274,000	7,133,461,000	6,290,383,000	5,705,609,000	5,211,312,000	5,000,572,000	4,632,905,000	4,327,207,000	3,943,089,000	3,725,422,000	3,472,691,000	3,246,454,000	2,839,278,000	2,611,229,000	2,115,380,000	1,963,378,000
allowance for loan losses																										-67,800,000	-65,993,000	-63,067,000	-59,243,000	-56,599,000	-55,358,000	-51,732,000	-47,207,000	-41,668,000	-42,717,000	-41,379,000	-37,865,000	-36,286,000	-34,094,000	-33,523,000	-32,681,000	-31,351,000	-30,380,000	-30,567,000	-29,183,000	-27,076,000	-27,398,000	-27,735,000	-28,397,000	-28,325,000	-29,151,000	-27,796,000	-27,905,000	-26,416,000
loans acquired, net of discount and allowance																										4,795,184,000	3,359,587,000	3,864,516,000	3,056,187,000	3,292,783,000	3,734,921,000	4,232,434,000	4,696,945,000	5,074,076,000	1,092,039,000	1,224,739,000	1,144,291,000	1,305,683,000	1,458,198,000	1,288,435,000	1,457,370,000
interest bearing balances due from banks																																				212,547,000	201,406,000	168,652,000	324,951,000	151,570,000	100,593,000	154,606,000	284,645,000	173,130,000	423,986,000	210,742,000	420,740,000	602,992,000	515,874,000	642,929,000	490,283,000	498,323,000	473,247,000	418,343,000
federal funds sold																																				4,500,000			17,000,000	3,000,000	4,000,000		9,675,000	49,570,000	178,418,000	10,000,000				750,000
investment securities																																													1,609,806,000	1,140,203,000	732,995,000	680,678,000	692,488,000	657,780,000	644,881,000	585,218,000	621,592,000	613,662,000
foreclosed assets																																				26,012,000	26,421,000	26,895,000	30,396,000	30,529,000	41,126,000						30,390,000	30,714,000
preferred stock, 40,040,000 shares authorized; series a, 0.01 par value...																																										30,852,000	30,852,000	30,852,000	30,852,000
loans acquired, not covered by fdic loss share																																										1,672,901,000	2,013,816,000	2,108,306,000	2,418,440,000	676,056,000	63,500,000	78,745,000
loans acquired, covered by fdic loss share																																												93,121,000	102,468,000	118,158,000	163,736,000	181,537,000
fdic indemnification asset																																												13,020,000	15,965,000	25,694,000	66,858,000	71,002,000	35,038,000	39,978,000	51,223,000		58,520,000	60,235,000
foreclosed assets not covered by fdic loss share																																										44,820,000	48,073,000	42,666,000	50,723,000	50,770,000
foreclosed assets covered by fdic loss share																																												12,833,000	12,010,000	15,212,000	22,990,000	28,003,000
long-term debt and other borrowings																																										162,289,000
preferred stock, 0.01 par value...
core deposit premiums																																															3,487,000	3,624,000	1,431,000	1,505,000	1,793,000	2,015,000	2,239,000	2,463,000
loans not covered by loss share agreements																																																	1,614,736,000	1,543,653,000
loans covered by fdic loss share agreements																																																	114,189,000	129,735,000
foreclosed assets not covered by loss share agreements																																																	23,947,000	24,542,000
foreclosed assets covered by fdic loss share agreements																																																	11,252,000	11,705,000
short-term debt																																																			481,000	628,000	718,000	1,033,000
long-term debt																																																		121,242,000	122,501,000	123,673,000	127,344,000	164,324,000
unrealized appreciation on available-for-sale securities, net of income taxes of 252 at march 31, 2012 and 283 at december 31, 2011																																																		388,000
covered assets:
loans, net of discount																																																			172,394,000	192,899,000
other real estate owned, net of discount																																																			13,845,000	13,033,000	12,933,000	8,717,000
foreclosed assets held for sale																																																			22,159,000	22,441,000	23,686,000	23,204,000
unrealized appreciation on available-for-sale securities, net of income taxes of 406 at september 30, 2011 and 331 at december 31, 2010																																																			630,000
fdic loss share receivable																																																				54,437,000
unrealized appreciation on available-for-sale securities, net of income taxes of 446 at june 30, 2011 and 331 at december 31, 2010																																																				691,000
loan, net of discount																																																					208,774,000
and unissued at march 31, 2011 and december 31, 2010
17,327,601 and 17,271,594 shares issued and outstanding
at march 31, 2011, and december 31, 2010, respectively																																																					173,000
unrealized appreciation on available-for-sale securities, net of
income taxes of 269 at march 31, 2011 and 331 at december 31, 2010																																																					417,000
covered assets: loan, net of discount																																																						231,600,000
deposits: non-interest bearing transaction accounts																																																						428,750,000
stockholders’ equity: preferred stock, 0.01 par value...
accumulated other comprehensive income unrealized appreciation on available-for-sale securities, net of income taxes of 331 and 457 at december 31, 2010 and 2009, respectively																																																						512,000

Cashflow Statements:

Quarterly

Annual

Unit: USD	2026-03-31	2025-09-30	2025-06-30	2025-03-31	2024-09-30	2024-06-30	2024-03-31	2023-09-30	2023-06-30	2023-03-31	2022-06-30	2022-03-31	2021-06-30	2021-03-31	2020-06-30	2020-03-31	2019-09-30	2019-06-30	2018-09-30	2017-09-30	2017-06-30	2017-03-31	2016-09-30	2016-06-30	2016-03-31	2015-09-30	2015-06-30	2014-09-30	2013-06-30	2012-03-31

operating activities
net income	68,544,000	-475,631,000	87,161,000	32,388,000	104,374,000	79,634,000	38,871,000	151,150,000	103,903,000	45,589,000	92,549,000	65,095,000	142,344,000	67,420,000	136,038,000	77,236,000	185,445,000	103,619,000	160,067,000	74,037,000	45,185,000	22,120,000	69,843,000	46,414,000	23,505,000	50,505,000	28,830,000	23,049,000	12,513,000	6,355,000
adjustments to reconcile net income to net cash from operating activities:
depreciation and amortization	10,004,000	30,952,000	20,967,000	10,759,000	34,863,000	23,211,000	11,531,000	35,933,000	23,954,000	12,012,000	24,230,000	11,637,000	23,837,000	12,323,000	24,148,000	11,843,000	25,462,000	16,019,000	20,810,000	14,589,000	9,649,000	4,953,000	12,229,000	8,039,000	4,087,000	10,884,000	6,945,000	5,221,000	2,940,000	1,372,000
provision for credit losses	14,622,000	50,708,000	38,742,000	26,797,000	33,453,000	21,305,000	10,206,000	31,999,000	24,277,000	24,216,000	13,945,000	-19,914,000	-11,506,000	1,445,000	53,049,000	26,134,000
net amortization of investment securities and assets	1,328,000	10,297,000	8,207,000	4,214,000	13,104,000	8,907,000	4,676,000	10,647,000	6,295,000	2,245,000
net amortization on borrowings	99,000	158,000	76,000	38,000	114,000	76,000	38,000	114,000	76,000	38,000	192,000	111,000	269,000	134,000	271,000	136,000	273,000	182,000	-471,000	319,000	213,000	106,000	314,000	208,000	101,000	262,000	150,000
stock-based compensation expense	3,572,000	12,538,000	8,612,000	5,290,000	8,867,000	7,537,000	4,413,000	9,617,000	8,018,000	4,861,000	8,164,000	3,941,000	7,592,000	3,852,000	7,577,000	4,506,000	9,316,000	6,249,000	8,448,000	5,675,000	3,958,000	2,329,000	2,679,000	1,719,000	706,000	2,011,000	1,077,000	962,000	714,000	402,000
loss on sale of closed branches				17,000
gain on sale of foreclosed assets and other real estate owned	-23,000	-506,000						-193,000	-225,000		-290,000	-235,000								-801,000
gain on sale of mortgage loans held for sale	-2,057,000	-5,998,000	-3,856,000	-2,007,000	-6,705,000	-4,010,000	-1,746,000	-5,711,000	-3,683,000	-1,423,000	-4,333,000	-2,931,000	-20,006,000	-11,409,000	-14,993,000	-5,843,000	-14,196,000	-8,257,000	-9,675,000	-8,809,000	-5,432,000	-2,360,000
loss on sale of loans		22,000	22,000	22,000	234,000	234,000											4,451,000
deferred income taxes	12,946,000	-166,587,000	-2,745,000	-1,087,000	-3,254,000	-1,238,000	379,000	4,202,000	-335,000	-179,000	917,000	9,107,000	6,315,000	3,227,000	4,616,000	-1,586,000	10,933,000	4,940,000	7,316,000	4,962,000	2,230,000	3,090,000	1,070,000	615,000	108,000	-3,881,000	-1,772,000	-4,456,000	-1,756,000	1,149,000
income from bank owned life insurance	-4,750,000	-11,949,000	-7,989,000	-4,099,000	-11,798,000	-8,041,000	-4,165,000	-9,811,000	-6,716,000	-3,334,000	-5,269,000	-2,706,000	-3,630,000	-1,534,000	-3,245,000	-1,800,000	-3,438,000	-2,136,000
originations of mortgage loans held for sale	-70,852,000	-203,824,000	-133,193,000	-58,355,000	-73,582,000	-77,183,000	-60,656,000	-207,822,000	-133,076,000	-50,269,000	-329,833,000	-189,361,000	-534,124,000	-298,914,000	-470,797,000	-182,550,000	-499,178,000	-282,204,000	-424,751,000	-353,714,000	-222,946,000	-88,870,000	-472,902,000	-293,929,000	-122,123
proceeds from sale of mortgage loans held for sale	76,036,000	205,732,000	131,494,000	63,428,000	81,390,000	77,513,000	59,876,000	205,329,000	129,903,000	50,934,000	356,085,000	210,442,000	655,497,000	384,046,000	423,858,000	196,511,000	490,674,000	282,861,000	410,269,000	377,697,000	239,900,000	109,264,000	475,098,000	293,665,000	127,825,000
changes in assets and liabilities:
interest receivable	2,505,000	18,860,000	2,800,000	5,845,000	-3,270,000	-4,195,000	-351,000	-7,469,000	-539,000	4,117,000	-1,547,000	3,633,000	4,680,000	1,237,000	-18,021,000	5,058,000	-679,000	-1,494,000	-7,798,000	-1,129,000	2,283,000	1,699,000	-799,000	1,643,000	2,248,000	-367,000	2,377,000	-873,000	1,893,000	1,807,000
assets held in trading accounts	-2,858,000	-12,695,000																		-8,000	-9,000	-14,000	1,453,000	-2,899,000	-2,652,000	695,000	506,000	2,159,000	-2,515,000	-167,000
other assets	-54,258,000	60,904,000	-18,601,000	-16,913,000	65,650,000	-13,082,000	-17,362,000	-99,325,000	-1,548,000	22,581,000	-10,064,000	-19,178,000	-2,402,000	-30,187,000	-19,676,000	1,325,000	3,802,000	14,999,000	-24,695,000	8,249,000	11,656,000	3,901,000	16,680,000	17,239,000	-6,399,000	-2,528,000	-3,178,000	-4,893,000	4,997,000	-139,000
accrued interest and other liabilities	-9,535,000	32,343,000	-10,072,000	-27,856,000	74,820,000	41,335,000	17,390,000	5,115,000	27,658,000	-2,621,000	57,874,000	-5,045,000	-58,284,000	-20,733,000	70,270,000	48,313,000	10,881,000	-4,376,000	23,821,000	-9,738,000	-12,949,000	-16,913,000	-13,950,000	-11,088,000	-24,666,000	15,598,000	8,276,000			-213,000
income taxes payable	-5,015,000	-13,390,000	-10,727,000	-5,598,000	-2,683,000	-8,535,000	-5,511,000	-3,730,000	-19,421,000	-10,028,000	-245,000	9,051,000	6,786,000	-12,055,000	-34,233,000	-21,221,000	18,722,000	2,553,000	3,956,000	4,819,000	9,471,000	6,123,000	-2,286,000	-3,142,000	1,546,000	14,993,000	6,846,000	-3,328,000	158,000	1,527,000
net cash from operating activities	40,308,000	333,839,000	110,439,000	32,796,000	343,059,000	143,654,000	57,594,000	120,436,000	158,932,000	98,747,000	177,857,000	60,525,000	176,310,000	75,752,000	86,964,000	103,612,000	188,350,000	118,608,000	152,133,000	108,474,000	75,923,000	41,805,000	76,577,000	54,098,000	-5,208,000		18,135,000	12,074,000	26,274,000	10,228,000
capital expenditures	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0		0	0	0	0
free cash flows	40,308,000	333,839,000	110,439,000	32,796,000	343,059,000	143,654,000	57,594,000	120,436,000	158,932,000	98,747,000	177,857,000	60,525,000	176,310,000	75,752,000	86,964,000	103,612,000	188,350,000	118,608,000	152,133,000	108,474,000	75,923,000	41,805,000	76,577,000	54,098,000	-5,208,000		18,135,000	12,074,000	26,274,000	10,228,000
investing activities
net change in loans	-481,474,000	-315,554,000	-146,363,000	-106,515,000	-519,391,000	-361,615,000	-163,909,000	-709,735,000	-698,580,000	-412,077,000	-835,002,000	-22,060,000	1,520,504,000	705,540,000
proceeds from sale of loans	31,498,000	97,863,000	18,814,000	8,578,000	6,099,000	389,000	211,000	69,760,000	6,657,000	237,000	15,556,000	1,237,000	1,847,000	1,847,000	4,600,000		104,587,000		24,977,000
proceeds from sale of closed branches		16,595,000	15,202,000	11,077,000
purchases of premises and equipment	-6,269,000	-28,155,000	-21,486,000	-10,151,000	-34,935,000	-23,236,000	-9,848,000	-26,556,000	-18,718,000	-10,490,000	-17,000,000	-7,156,000	-5,829,000	-2,514,000	-19,784,000	-10,570,000	-37,523,000	-21,689,000	-17,084,000	-28,971,000	-26,664,000	-25,924,000	-7,950,000	-4,044,000	-2,782,000				-3,274,000	-596,000
proceeds from sale of foreclosed assets and other real estate owned	640,000	10,316,000	5,181,000	1,591,000	5,100,000	2,448,000	1,218,000	1,867,000	1,477,000	289,000	2,819,000									11,401,000
proceeds from maturities of available-for-sale securities	144,754,000	278,783,000	218,417,000	74,517,000	205,164,000	257,204,000	114,212,000	494,388,000	296,256,000	155,361,000	762,094,000	194,961,000	314,547,000	185,636,000	2,048,453,000	1,255,991,000	405,090,000	289,493,000	197,464,000	76,615,000	17,720,000	26,373,000	137,832,000	61,164,000	18,681,000	372,511,000	291,688,000	122,041,000	69,930,000	79,367,000
purchases of available-for-sale securities	-13,338,000	-581,732,000	-55,553,000	-7,796,000				-2,286,000	-1,526,000	-745,000	-259,586,000	-162,359,000	-3,672,029,000	-1,464,377,000	-2,386,878,000	-1,458,730,000	-593,700,000	-384,951,000	-634,791,000	-380,308,000	-197,439,000	-123,787,000	-498,011,000	-280,506,000	-92,592,000	-264,636,000	-210,344,000	-200,284,000	-60,817,000	-83,677,000
proceeds from maturities of held-to-maturity securities		41,009,000	41,152,000	19,112,000	62,460,000	36,851,000	17,037,000	65,786,000	36,583,000	16,979,000	30,848,000	17,491,000	9,479,000	4,426,000	5,932,000	3,561,000	29,179,000	25,406,000	46,515,000	57,896,000	44,240,000	32,051,000	215,846,000	79,976,000	36,961,000	206,894,000	116,439,000	325,895,000	105,426,000	202,643,000
purchases of bank owned life insurance		-15,697,000	-15,697,000	-27,000															-4,000,000	-143,000	-25,000		-143,000	-25,000
proceeds from bank owned life insurance death benefits	2,265,000	1,055,000	607,000	607,000	1,376,000	1,376,000	1,376,000	3,686,000	3,686,000	1,483,000			3,032,000	573,000	763,000	763,000	1,310,000	1,310,000	616,000				2,043,000	1,876,000	1,876,000
net cash from investing activities	-321,924,000	1,886,728,000	79,677,000	-9,007,000	-21,409,000	-84,382,000	-39,703,000	-165,280,000	-419,836,000	-280,667,000	-353,188,000	-20,876,000	-2,462,960,000	-837,272,000	706,499,000	928,091,000	152,066,000	43,529,000	-1,452,120,000	-378,292,000	-186,632,000	-232,560,000	92,522,000	10,736,000		258,756,000		-92,529,000	7,776,000	107,084,000
financing activities
net change in deposits	18,745,000	-2,048,017,000	-60,760,000	-201,130,000	-309,544,000	-404,095,000	108,026,000	-316,514,000	-59,003,000	-95,950,000	-49,701,000	25,874,000	1,307,965,000	1,192,740,000	561,185,000	-503,567,000	-156,010,000	-107,806,000	995,631,000	201,395,000	-20,660,000	53,069,000	21,428,000	-57,893,000	-6,321,000	-103,929,000	-101,472,000	-144,014,000	-61,044,000	4,180,000
proceeds from issuance of other borrowed funds	430,000,000	1,480,000,000	1,480,000,000	865,000,000	2,650,000,000	1,800,000,000
repayments of other borrowed funds	-285,497,000	-2,206,540,000	-1,591,023,000	-725,509,000	-2,576,488,000	-1,425,988,000
dividends paid on common stock	-31,189,000	-84,282,000	-53,532,000	-26,759,000	-79,055,000	-52,689,000	-26,337,000	-75,926,000	-50,835,000	-25,455,000	-45,844,000	-21,375,000	-39,010,000	-19,500,000	-37,606,000	-19,077,000	-45,722,000	-30,265,000	-41,766,000	-23,986,000	-15,897,000	-7,845,000	-21,227,000	-14,514,000	-7,203,000	-20,059,000	-13,174,000
net change in federal funds purchased and securities sold under agreements to repurchase	-12,675,000	-14,761,000	-5,803,000	13,024,000	-16,898,000	-15,264,000	-9,209,000	-85,921,000	-57,817,000	-17,541,000	-30,302,000	11,425,000	-111,896,000	23,942,000	236,880,000	227,714,000	6,598,000	20,532,000	-13,231,000	-10,505,000	-10,773,000	-5,022,000	11,658,000	3,640,000	-1,969,000	-16,379,000	-15,024,000	-6,010,000	-25,015,000	-8,542,000
net shares cancelled under stock compensation plans	-2,036,000	-3,228,000	-2,749,000	-2,342,000	-1,325,000	-1,965,000	-1,638,000	-2,662,000	-2,505,000						-3,171,000	-3,063,000
shares issued under employee stock purchase plan	838,000	836,000	836,000	836,000	970,000	970,000	970,000	833,000	833,000	833,000	1,151,000	1,151,000	1,170,000	1,170,000	956,000	956,000	1,312,000	1,312,000	1,026,000	618,000
net cash from financing activities	118,186,000	-2,264,327,000	-233,031,000	-76,880,000	-332,340,000	-99,031,000	-28,680,000	-31,630,000	324,694,000	24,249,000	-510,475,000	-3,285,000	1,153,622,000	1,194,831,000	755,074,000	-291,127,000	-643,904,000	-340,339,000	1,215,749,000	416,449,000	154,664,000	210,377,000	33,162,000	-66,489,000	-29,657,000		-261,029,000	-164,629,000	-112,613,000	-9,525,000
decrease in cash and cash equivalents	-163,430,000	-43,760,000	-42,915,000	-53,091,000			-10,789,000	-76,474,000			-685,806,000						-303,488,000							-1,655,000			-43,439,000	-245,084,000	-78,563,000
cash and cash equivalents, beginning of period	711,913,000	687,377,000	687,377,000	687,377,000	614,092,000	614,092,000	614,092,000	682,122,000	682,122,000	682,122,000	1,650,653,000	1,650,653,000	3,472,152,000	3,472,152,000	996,623,000	996,623,000	833,458,000	833,458,000	598,042,000	285,659,000	285,659,000	285,659,000	252,262,000	252,262,000	252,262,000	335,909,000	335,909,000	539,380,000	537,797,000	570,206,000
cash and cash equivalents, end of period	548,483,000	643,617,000	644,462,000	634,286,000	603,402,000	574,333,000	603,303,000	605,648,000	745,912,000	524,451,000	964,847,000	1,687,017,000	2,339,124,000	3,905,463,000	2,545,160,000	1,737,199,000	529,970,000	655,256,000	513,804,000	432,290,000	329,614,000	305,281,000	454,523,000	250,607,000	223,061,000	400,998,000	292,470,000	294,296,000	459,234,000	677,993,000
loss on sale of investments		801,492,000			28,393,000			391,000	391,000		204,000	54,000						-5,563,000										-20,000	193,000
gain on sale of closed branches		-152,000	-245,000
loss on sale of equipment finance business
loss on early extinguishment of debt		565,000
decrease in due from banks - time														245,000	-7,000	245,000	395,000	395,000	-640,000	2,488,000	490,000		9,714,000	4,326,000	2,919,000	7,685,000
proceeds from sale of available-for-sale securities		2,363,220,000			251,517,000								249,454,000	135,651,000	1,201,778,000	1,076,858,000	561,374,000	461,470,000	7,726,000	327,218,000	326,937,000		249,079,000	232,806,000	47,191,000	31,702,000	1,662,000	13,159,000	617,000	3,000
purchases of held-to-maturity securities					-1,000,000			-62,885,000	-45,921,000	-31,704,000	-329,660,000	-44,638,000	-606,187,000	-280,043,000	-16,997,000	-16,997,000			-1,172,000	-860,000	-860,000	-860,000	-6,162,000	-6,162,000	-6,162,000	-56,073,000	-54,668,000	-381,175,000	-164,840,000	-158,506,000
surrender of bank owned life insurance		19,025,000	19,403,000		2,201,000	2,201,000
sale of equipment finance business
proceeds from issuance of subordinated notes		321,234,000																	326,355,000
repayments of subordinated debentures															-5,927,000				-94,915,000				-594,000	-594,000	-594,000
issuance of common stock		327,431,000
repurchase of common stock																													-8,319,000	-2,052,000
increase in cash and cash equivalents					-10,690,000	-39,759,000			63,790,000	-157,671,000		36,364,000	-1,133,028,000	433,311,000	1,548,537,000	740,576,000		-178,202,000	-84,238,000	146,631,000	43,955,000	19,622,000	202,261,000		-29,201,000	65,089,000				107,787,000
cash and cash equivalents, beginning of year
cash and cash equivalents, end of year
repayments of subordinated debt		-37,000,000
loss on sale of foreclosed assets and other real estate owned			-214,000	-87,000	-911,000	186,000	5,000			8,000
loss from early retirement of trups
cash received in business combinations
net change in due from banks - time								695,000	250,000		347,000	25,000	244,000
repurchases of common stock								-39,999,000	-20,022,000		-66,096,000	-16,055,000	-3,080,000	-3,080,000	-93,307,000	-93,307,000
net change in other borrowed funds							-100,492,000	488,559,000	514,043,000	164,530,000	-315,778,000	-730,000	-2,874,000	-1,600,000	96,090,000	99,230,000	-404,455,000	-178,756,000	40,893,000	246,382,000	198,803,000	167,915,000	48,940,000	29,538,000	14,540,000	-132,001,000	-134,106,000	-4,671,000	-11,782,000
gain on sale of premises and equipment, net of impairment																				-615,000
gain on sale of branches															-8,094,000	-5,889,000
gain on sale of loans											-228,000								-10,000
proceeds from sale of premises and equipment																				3,475,000	3,475,000	1,394,000
disposition of assets and liabilities held for sale													-134,166,000	-134,166,000	181,261,000	123,610,000	1,245,000	1,393,000	-58,295,000
dividends paid on preferred stock													-26,000	-13,000	-26,000	-13,000	-326,000	-326,000					-24,000	-24,000	-24,000	-180,000	-103,000
net shares (cancelled) issued under stock compensation plans												-3,575,000
retirement of preferred stock																	-42,000,000	-42,000,000
purchase of spirit of texas bancshares, inc.											276,396,000
repayments of trups
net shares issued (cancelled) under stock compensation plans										-2,168,000	-3,905,000		1,373,000	1,172,000
net accretion of investment securities and assets											-24,494,000	-13,176,000	-24,377,000	-12,018,000	-30,078,000	-14,975,000	-35,272,000	-22,663,000	-41,423,000	-19,472,000	-13,884,000	-6,766,000
gain on sale of other intangibles															-301,000	-301,000
fair value write-down of closed branches															1,465,000				954,000	325,000
benefit from credit losses
(gain) loss on sale of investments
income from early retirement of trups
purchases of bank owned life insurance death benefits
proceeds from sale of premises held for sale													5,156,000	1,572,000														13,917,000
proceeds from sale of foreclosed assets held for sale												1,623,000	10,988,000	8,338,000	6,173,000	2,464,000	16,139,000	9,870,000	20,739,000		7,510,000	2,844,000	24,095,000	19,364,000	5,768,000	31,182,000	15,131,000	19,733,000	12,669,000	1,528,000
gain on sale of investments													-10,598,000	-5,471,000	-32,485,000	-32,095,000	-12,937,000		-53,000	-2,302,000
gain on sale of visa, inc. class b common stock																	-42,860,000
net collections (originations) of loans
proceeds from issuance of other borrowings
increase in cash equivalents
gain on sale of premises held for sale													-606,000	-177,000
gain on sale of foreclosed assets held for sale													-177,000	-134,000	-400,000	-520,000					-141,000		-1,731,000	-1,180,000
gain on sale of banking operations													-5,300,000	-5,300,000
purchase of bank owned life insurance													-160,000,000													-140,000	-25,000	-6,326,000	-7,000,000
proceeds from issuance of subordinated notes and other borrowings
repayments of subordinated debentures and subordinated debt
lease right-of-use assets															5,995,000	2,330,000	-1,370,000	-2,469,000
purchase of reliance bancshares, inc.																	-37,017,000
provision for credit losses on unfunded commitments															-8,000,000	-3,000,000
net originations of loans															-318,795,000	-49,104,000	-299,013,000	-302,151,000	-1,034,175,000	-427,789,000	-340,457,000	-144,651,000						-96,670,000	-14,323,000
provision for loan losses																	38,337,000	16,364,000	28,528,000	16,792,000	11,330,000	4,307,000	15,733,000	7,439,000	2,823,000	5,792,000	4,177,000	3,638,000	1,953,000	771,000
gain on sale of premises and equipment held for sale, net of impairment
gain on sale of insurance lines of business
purchases of other real estate owned																				-1,021,000
proceeds from the sale of insurance lines of business																				3,707,000
loss on sale of foreclosed assets held for sale																	-16,000	-16,000	150,000			-326,000
net shares issued under stock compensation plans																	-3,301,000	-3,030,000	1,756,000	2,545,000	3,191,000	2,260,000	3,833,000	4,210,000	2,766,000	3,421,000	2,850,000	1,507,000	450,000	190,000
purchase of reliance bancshares, inc																		-37,017,000
benefit from loan losses
net amortization (accretion) on borrowings
(gain) loss on sale of foreclosed assets held for sale
increase in due from banks - time
cash paid in business combinations, net of cash received																				-22,000,000	-22,000,000
cash received in business combinations, net of cash paid																							106,419,000			201,029,000	201,029,000
redemption of preferred stock																							-30,852,000	-30,852,000	-30,852,000
increase in cash surrender value of bank owned life insurance																			-3,310,000	-2,402,000	-1,677,000	-818,000	-2,429,000	-1,824,000	-997,000
proceeds from sale of held-to-maturity securities
loss on sale of premises and equipment, net of impairment																					-615,000	43,000	2,841,000	3,000,000		1,958,000
net accretion of investment securities and assets not covered by fdic loss share																							-22,863,000	-7,733,000				-2,768,000
net accretion on assets covered by fdic loss share																										-2,709,000	-119,000	-1,541,000	-3,170,000
fdic loss share indemnification loss																										7,476,000
gain on sale of banking operation																										-2,110,000
increase in cash surrender value of bank owned life insurance income
net originations of loans not covered by fdic loss share																							-140,240,000	-98,039,000		-230,589,000	-176,400,000
net collections of loans covered by fdic loss share																										23,646,000	16,888,000	41,649,000	53,044,000
proceeds from sale of foreclosed assets held for sale, covered by fdic loss share																										2,858,000	1,859,000	10,853,000	7,897,000
settlement of fdic loss share agreements																										2,368,000
cash received on fdic loss share																										3,980,000	3,980,000	13,325,000	8,447,000	4,017,000
cash paid on sale of banking operations, net of cash received																										-68,273,000
gain on sale of available-for-sale securities																					-2,299,000	-63,000	-4,403,000
proceeds from the sale of held-to-maturity securities																					441,000
proceeds from sale of student loans																												22,136,000
loss on sale of available-for-sale securities																								-4,088,000	-329,000	-2,000	38,000
net (accretion) of investment securities and assets not covered by fdic loss share																									-10,991,000	-26,760,000	-9,829,000
net (originations) collections of loans not covered by fdic loss share																									-6,196,000
items not requiring (providing) cash:
bank owned life insurance income																										-2,066,000	-1,318,000	-1,117,000	-644,000	-355,000
changes in:
mortgage loans held for sale																										5,709,000	-26,829,000	-12,509,000	10,913,000	-1,375,000
(purchases) proceeds from sale of premises and equipment																										-5,388,000
purchases of credit card loans
gain on sale of premises and equipment																												-3,156,000
net cash provided by operating activities																										75,460,000
proceeds from sale of short-term investment securities																												1,504,000
net cash used in financing activities																										-269,127,000
loss on premises and equipment of closed branches																											1,958,000
purchases (proceeds) from sale of premises and equipment																											-7,784,000
net cash from (used in) investing activities																											199,455,000
net amortization of investment securities and assets not covered by fdic loss share																													873,000
net collections of loans not covered by fdic loss share
accrued expenses and other liabilities																												11,706,000	-2,788,000
purchase of premises and equipment																												-3,629,000
purchase of delta trust & bank, net of cash received																												11,343,000
dividends paid																												-11,441,000	-6,903,000	-3,443,000
net amortization (accretion) of investment securities and assets not covered by fdic loss share
items not requiring (providing) cash
net amortization of investment securities																														-5,000
net accretion on assets covered by
fdic loss share agreements
changes in
net collections of covered loans																														28,418,000
net (originations) collections of loans
proceeds from sale of covered other real estate owned																														3,508,000
net accretion on assets covered by fdic loss share agreements																														-901,000
net collections of loans																														30,379,000
net change in short-term debt																														-272,000
proceeds from issuance of long-term debt																														1,814,000
repayment of long-term debt																														-1,400,000
net accretion and gain/loss on fdic covered assets
gain on fdic-assisted transactions
net cash proceeds received in fdic-assisted transaction
gain on fdic-assisted transaction
net accretion on covered loans
net accretion on covered other real estate owned
net accretion on fdic indemnification asset
net change in federal funds purchased and
securities sold under agreements to repurchase
net used in financing activities
gain on mandatory partial redemption of visa shares
gain on sale of investment securities
changes in interest receivable
net collections (originations) of covered loans
proceeds from mandatory partial redemption of visa shares
net sales (purchases) of short-term investment securities
net cash proceeds received in fdic-assisted transactions
shares issued from public stock offering, net of offering costs of 4,178
see notes to consolidated financial statements.

Simmons First National Corporation(NASDAQ:SFNC)

Simmons First National Corporation
(NASDAQ:SFNC)