Southern First Bancshares, Inc
(NASDAQ:SFST)

Southern First Bancshares, Inc. operates as the bank holding company for Southern First Bank that provides various banking products and services to general public in South Carolina, North Carolina, and Georgia. It accepts various deposit products that include checking accounts, commercial checking a...

Website: http://www.southernfirst.com

Founded: 1999

Full Time Employees: 242

Sector: Financial Services

Industry: Banks-Regional

Regional Bank

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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	2014-12-31	2014-09-30	2014-06-30	2014-03-31	2013-12-31	2013-09-30	2013-06-30	2013-03-31	2012-12-31	2012-09-30	2012-06-30	2012-03-31	2011-12-31	2011-09-30	2011-06-30	2011-03-31	2010-12-31	2010-09-30	2010-06-30	2010-03-31	2009-12-31	2009-09-30	2009-03-31	2008-12-31	2008-09-30	2008-06-30	2007-09-30	2007-06-30	2007-03-31	2006-12-31	2006-03-31	2005-12-31	2005-06-30	2005-03-31	2004-09-30	2004-03-31

interest income
loans	51,257,000	51,068,000	50,999,000	48,992,000	47,085,000	47,163,000	47,550,000	46,545,000	45,605,000	44,757,000	43,542,000	41,089,000	36,748,000	33,939,000	29,752,000	26,610,000	23,931,000	23,661,000	23,063,000	22,409,000	22,465,000	23,170,000	23,042,000	23,554,000	23,367,000	23,125,000	22,817,000	22,098,000	20,889,000	20,404,000	19,159,000	17,591,000	16,563,000	15,719,000	15,282,000	14,280,000	13,526,000	13,035,000	12,486,000	11,999,000	11,795,000	11,613,000	11,362,000	10,941,000	10,400,000	10,136,000	9,829,000	9,309,000	8,818,000	8,871,000	8,639,000	8,468,000	8,265,000	8,317,000	8,343,000	8,023,000	7,986,000	32,867,336	8,231	8,309,000	8,123,000	8,232,000	8,318,000	8,077,000	7,959,000	8,037,000	7,977,000	7,797,000	8,428,000	8,720,000	8,901,000	9,095,562	8,454,337	7,765,104		6,146,049				3,404,077	2,737,916
investment securities	1,399,000	1,268,000	1,342,000	1,357,000	1,403,000	1,504,000	1,412,000	1,418,000	1,478,000	1,675,000	1,470,000	706,000	613,000	562,000	506,000	448,000	474,000	409,000	355,000	269,000	301,000	325,000	310,000	384,000	396,000	437,000	576,000	539,000	549,000	517,000	487,000	430,000	368,000	409,000	443,000	390,000	376,000	369,000	395,000	458,000	489,000	475,000	371,000	356,000	376,000	406,000	400,000	465,000	512,000	477,000	447,000	426,000	464,000	482,000	434,000	490,000	557,000	2,142,409	600	538,000	454,000	481,000	661,000	854,000	887,000	1,034,000	1,129,000	1,093,000	1,057,000	1,282,000	1,306,000	1,107,560	1,086,060	1,034,147		431,690				224,993	224,814
federal funds sold and interest-bearing deposits with banks	1,955,000	2,193,000	2,645,000	1,969,000	1,159,000	2,465,000	2,209,000	2,583,000	1,280,000	2,703,000	2,435,000	891,000	969,000	524,000	676,000	180,000	59,000	66,000	68,000	53,000	47,000	52,000	63,000	53,000	103,000	334,000	663,000
total interest income	54,611,000	54,529,000	54,986,000	52,318,000	49,647,000	51,132,000	51,171,000	50,546,000	48,363,000	49,135,000	47,447,000	42,686,000	38,330,000	35,025,000	30,934,000	27,238,000	24,464,000	24,136,000	23,486,000	22,731,000	22,813,000	23,547,000	23,415,000	23,991,000	23,866,000	23,896,000	24,056,000	23,088,000	21,612,000	21,079,000	19,865,000	18,535,000	17,178,000	16,364,000	15,955,000	14,931,000	13,959,000	13,447,000	12,912,000	12,503,000	12,329,000	12,146,000	11,766,000	11,316,000	10,801,000	10,560,000	10,253,000	9,790,000	9,344,000	9,364,000	9,100,000	8,912,000	8,743,000	8,818,000	8,790,000	8,534,000	8,557,000	35,115,657	8,851	8,887,000	8,605,000	8,738,000	8,992,000	8,942,000				8,895,000				10,280,400	9,742,411	8,961,085		6,626,130				3,635,254	2,967,320
interest expense
deposits	21,697,000	23,052,000	24,703,000	24,300,000	23,569,000	25,901,000	27,725,000	28,216,000	26,932,000	27,128,000	25,130,000	21,937,000	17,179,000	10,329,000	5,021,000	1,844,000	908,000	900,000	934,000	920,000	1,155,000	1,860,000	2,393,000	3,627,000	5,174,000	5,771,000	6,409,000	6,175,000	5,375,000	4,645,000	3,928,000	3,524,000	2,738,000	2,300,000	2,084,000	1,739,000	1,249,000	1,050,000	957,000	946,000	988,000	1,022,000	941,000	854,000	768,000	726,000	718,000	696,000	680,000	659,000	673,000	724,000	806,000	936,000	942,000	1,037,000	1,262,000	6,987,527	1,651	1,845,000	1,977,000	2,181,000	2,357,000	2,487,000	2,398,000	2,375,000	2,386,000	2,788,000	3,312,000	3,531,000	3,866,000	4,015,307	3,877,096	3,640,488		2,112,958				943,048	727,722
borrowings	2,655,000	2,734,000	2,754,000	2,723,000	2,695,000	2,773,000	2,855,000	2,802,000	2,786,000	2,948,000	2,972,000	1,924,000	727,000	577,000	459,000	510,000	392,000	379,000	380,000	381,000	385,000	384,000	385,000	590,000	594,000	492,000	368,000	374,000	419,000	437,000	436,000	399,000	398,000	456,000	562,000	840,000	1,103,000	1,098,000	1,075,000	1,044,000	1,034,000	994,000	987,000	971,000	963,000	1,000,000	1,044,000	1,024,000	1,020,000	1,055,000	1,064,000	1,058,000	1,059,000	1,101,000	1,140,000	1,119,000	1,166,000	4,857,307	1,226	1,240,000	1,227,000	1,254,000	1,404,000	1,558,000	1,678,000	1,758,000	1,779,000	1,646,000	1,851,000	1,685,000	1,659,000	1,842,256	1,714,871	1,536,891		1,153,369				501,075	306,613
total interest expense	24,352,000	25,786,000	27,457,000	27,023,000	26,264,000	28,674,000	30,580,000	31,018,000	29,718,000	30,076,000	28,102,000	23,861,000	17,906,000	10,906,000	5,480,000	2,354,000	1,300,000	1,279,000	1,314,000	1,301,000	1,540,000	2,244,000	2,778,000	4,217,000	5,768,000	6,263,000	6,777,000	6,549,000	5,794,000	5,082,000	4,364,000	3,923,000	3,136,000	2,756,000	2,646,000	2,579,000	2,352,000	2,148,000	2,032,000	1,990,000	2,022,000	2,016,000	1,928,000	1,825,000	1,731,000	1,726,000	1,762,000	1,720,000	1,700,000	1,714,000	1,737,000	1,782,000	1,865,000	2,037,000	2,082,000	2,156,000	2,428,000	11,844,834	2,877	3,085,000	3,204,000	3,435,000	3,761,000	4,045,000				4,434,000				5,857,563	5,591,967	5,177,379		3,266,327				1,444,123	1,034,335
net interest income	30,259,000	28,743,000	27,529,000	25,295,000	23,383,000	22,458,000	20,591,000	19,528,000	18,645,000	19,059,000	19,345,000	18,825,000	20,424,000	24,119,000	25,454,000	24,884,000	23,164,000	22,857,000	22,172,000	21,430,000	21,273,000	21,303,000	20,637,000	19,774,000	18,098,000	17,633,000	17,279,000	16,539,000	15,818,000	15,997,000	15,501,000	14,612,000	14,042,000	13,608,000	13,309,000	12,352,000	11,607,000	11,299,000	10,880,000	10,513,000	10,307,000	10,130,000	9,838,000	9,491,000	9,070,000	8,834,000	8,491,000	8,070,000	7,644,000	7,650,000	7,363,000	7,130,000	6,878,000	6,781,000	6,708,000	6,378,000	6,129,000	23,270,823	5,974	5,802,000	5,401,000	5,303,000	5,231,000	4,897,000	4,781,000	4,952,000	4,950,000	4,461,000	4,345,000	4,843,000	4,779,000	4,422,837	4,150,444	3,783,706		3,359,803
provision for credit losses	1,300,000	650,000	850,000	700,000				500,000		558,750	-500,000	910,000	1,825,000
net interest income after provision for credit losses	28,959,000	28,093,000	26,679,000	24,595,000				19,028,000		20,034,000	19,845,000	17,915,000	18,599,000	21,794,000	24,504,000	23,109,000	22,059,000
noninterest income
mortgage banking income	1,493,000	1,689,000	1,600,000	1,569,000	1,424,000	1,024,000	1,449,000	1,923,000	1,164,000	869,000	1,208,000	1,337,000	622,000	291,000	1,230,000	1,184,000	1,494,000	1,931,000	2,829,000	1,983,000	4,633,000	5,064,000	6,277,000	5,776,000	2,668,000	2,182,000	3,055,000	2,830,000	1,857,000	1,233,000	1,354,000	1,629,000	1,328,000	1,089,000	1,403,000	1,603,000	1,057,000	1,152,000	2,003,000	2,235,000
service fees on deposit accounts	756,000	634,000	625,000	567,000	539,000	499,000	455,000	416,000	387,000	371,000	356,000	331,000	325,000	188,000	194,000	209,000	191,000	200,000	199,000	173,000	185,000	190,000	211,000	197,000	262,000	259,000	271,000	265,000	265,000	271,000	257,000	256,000	257,000	282,000	324,000	284,000	278,000	270,000	269,000	244,000	220,000	217,000	230,000	219,000	227,000	234,000	244,000	231,000	213,000	244,000	207,000	204,000	225,000	184,000	230,000	172,000	181,000	637,536	168	157,000	138,000	139,000	155,000	142,000	146,000	181,000	199,000	175,000	185,000	177,000	142,000	111,345	106,511	75,478		62,071				71,977	66,750
atm and debit card income	588,000	638,000	601,000	586,000	552,000	607,000	599,000	587,000	544,000	565,000	588,000	536,000	555,000	574,000	559,000	563,000	528,000	560,000	542,000	521,000	470,000	483,000	465,000	394,000	398,000	441,000	464,000	443,000	380,000	405,000	381,000	371,000	334,000
income from bank owned life insurance	446,000	451,000	439,000	413,000	403,000	407,000	401,000	384,000	377,000	361,000	349,000	338,000	332,000	344,000	315,000	315,000	315,000	312,000	321,000	331,000	267,000	281,000	270,000	270,000	270,000	281,000	282,000	222,000	216,000	216,000	221,000	220,000	220,000	221,000	224,000	183,000	183,000	183,000	187,000	180,000	186,000	187,000	167,000	165,000	166,000	169,000	169,000	167,000	162,000	160,000	179,000	158,000	160,000	165,000	157,000	151,000	159,000	564,612	126	130,000	132,000	120,000	134,000	147,000	153,000	146,000	213,000	123,000	150,000	114,000	102,000	96,000	86,383	96,000
other income	257,000	195,000	335,000	199,000	196,000	214,000	271,000	213,000	192,000	165,000	249,000	194,000	210,000	-84,000	382,000	388,000	399,000	605,000	348,000	346,000	349,000	-1,586,000	361,000	2,570,000	318,000	1,109,000	324,000	330,000	276,000	344,000	320,000	295,000	281,000	537,000	591,000	540,000	533,000	520,000	452,000	468,000	329,000	390,000	299,000	286,000	293,000	291,000	286,000	277,000	252,000	271,000	271,000	249,000	238,000	258,000	240,000	232,000	225,000	691,501	182	175,000	181,000	133,000	118,000	121,000	102,000	99,000	97,000	85,000	81,000	85,000	81,000	64,865	66,741	55,950		62,703				78,584	69,538
total noninterest income	3,540,000	3,092,000	3,600,000	3,334,000	3,114,000	2,779,000	3,175,000	3,523,000	2,664,000	2,331,000	2,750,000	2,736,000	2,044,000	1,707,000	2,680,000	2,265,000	2,927,000	3,337,000	4,239,000	3,622,000	5,904,000	6,645,000	7,584,000	9,207,000	3,916,000	3,503,000	4,396,000	4,090,000	2,994,000	2,476,000	2,533,000	2,771,000	2,420,000	2,181,000	2,542,000	2,562,000	2,051,000	2,125,000	3,017,000	3,146,000	2,559,000	2,036,000	2,124,000	2,115,000	2,141,000	1,732,000	1,560,000	1,518,000	969,000	987,000	1,055,000	878,000	882,000	897,000	1,286,000	741,000	837,000	2,768,103	723	618,000	595,000	128,000	87,000	1,585,000				414,000				247,445	148,143	593,400		155,575				184,421	162,323
noninterest expenses
compensation and benefits	11,980,000	10,529,000	11,299,000	11,674,000	11,304,000	10,610,000	10,789,000	11,290,000	10,857,000	9,401,000	10,231,000	10,287,000	10,356,000	9,576,000	9,843,000	9,915,000	8,144,000	7,880,000	7,468,000	6,823,000	6,683,000	1,071,000	8,894,000	8,450,000	7,871,000	7,175,000	7,668,000	7,399,000	6,783,000	6,753,000	6,599,000	6,365,000	5,843,000	5,295,000	5,698,000	5,524,000	5,273,000	4,616,000	4,948,000	4,855,000	4,551,000	4,353,000	4,313,000	4,106,000	4,277,000	3,659,000	3,459,000	3,514,000	3,410,000	3,198,000	3,134,000	3,018,000	2,952,000	2,675,000	2,625,000	2,348,000	2,425,000	8,926,295	2,414	2,225,000	2,065,000	2,271,000	1,700,000	2,142,000	2,132,000	1,973,000	1,980,000	1,925,000	1,668,000	1,625,000	1,806,000	1,547,014	1,509,784	1,422,532		1,033,741				612,118
occupancy	2,490,000	2,466,000	2,447,000	2,523,000	2,548,000	2,587,000	2,595,000	2,552,000	2,557,000	2,718,000	2,562,000	2,518,000	2,457,000	2,666,000	2,442,000	2,219,000	1,777,000	2,079,000	1,684,000	1,550,000	1,637,000	1,591,000	1,602,000	1,498,000	1,536,000	1,428,000	1,416,000	1,343,000	1,339,000	1,286,000	1,350,000	1,276,000	1,137,000	1,079,000	1,043,000	1,033,000	967,000	912,000	908,000	892,000	870,000	886,000	845,000	842,000	737,000	743,000	777,000	730,000	727,000	850,000	755,000	744,000	707,000	650,000	621,000	614,000	583,000	2,280,330	580	551,000	539,000	489,000	535,000	555,000	556,000	531,000	550,000	416,000	420,000	437,000	349,000	336,572	348,029	395,947		174,777				153,580	140,770
outside service and data processing	2,267,000	1,595,750	2,158,000	2,189,000
insurance	892,000	994,000	961,000	910,000	1,010,000	1,077,000	1,025,000	965,000	955,000	937,000	1,243,000	897,000	689,000	552,000	507,000	367,000	261,000	342,000	244,000	262,000	301,000	385,000	377,000	298,000	320,000	70,000	145,000	280,000	318,000	297,000	376,000	297,000	313,000	301,000	258,000	297,000	289,000	284,000	227,000	217,000	233,000	225,000	215,000	213,000	202,000	228,000	209,000	203,000	192,000	206,000	171,000	201,000	240,000	337,000	341,000	337,000	352,000	1,435,902	268	427,000	403,000	417,000	436,000	405,000	275,000	290,000	352,000	153,000	147,000	141,000	143,000	116,349	160,434	51,336		43,034				33,006	30,516
professional fees	675,000	732,000	605,000	609,000	509,000	656,000	548,000	582,000	618,000	582,000	504,000	751,000	660,000	787,000	555,000	693,000	496,000	578,000	561,000	498,000	421,000	180,000	568,000	527,000	497,000	447,000	399,000	414,000	439,000	366,000	275,000	457,000	476,000	333,000	334,000	382,000	313,000	344,000	326,000	284,000	254,000	341,000	180,000	233,000	233,000	228,000	207,000	294,000	223,000	249,000	246,000	183,000	181,000	166,000	248,000	233,000	180,000	657,528	169	162,000	142,000	195,000	134,000	165,000	165,000	172,000	186,000	136,000	157,000	127,000	127,000	130,621	160,518	124,520		90,437				41,711	48,933
marketing	399,000	346,000	412,000	397,000	374,000	335,000	319,000	389,000	369,000	363,000	293,000	335,000	366,000	282,000	338,000	329,000	256,000	250,000	240,000	201,000	182,000	93,000	176,000	101,000	258,000	208,000	237,000	236,000	260,000	204,000	215,000	229,000	209,000	132,000	199,000	196,000	210,000	182,000	195,000	199,000	231,000	193,000	217,000	222,000	238,000	183,000	193,000	197,000	201,000																															61,985	51,279
other	1,312,000	1,205,000	1,064,000	1,034,000	1,054,000	1,276,000	833,000	903,000	898,000	1,027,000	725,000	900,000	947,000	1,029,000	832,000	737,000	691,000	683,000	660,000	658,000	542,000	201,000	668,000	542,000	698,000	536,000	546,000	651,000	549,000	583,000	532,000	531,000	491,000	497,000	452,000	510,000	550,000	440,000	425,000	419,000	495,000	395,000	365,000	364,000	426,000	491,000	525,000	743,000	409,000	340,000	397,000	357,000	368,000	353,000	255,000	257,000	253,000	1,061,239	253	287,000	143,000	169,000	145,000	180,000	208,000	209,000	187,000	229,000	194,000	159,000	214,000	176,466	168,264	114,487		95,234				65,464	61,498
total noninterest expenses	20,015,000	18,417,000	18,946,000	19,336,000	18,836,000	18,544,000	18,039,000	18,643,000	18,100,000	17,028,000	17,302,000	17,393,000	17,104,000	16,413,000	16,046,000	15,788,000	14,685,000	14,735,000	14,039,000	13,495,000	14,162,000	14,546,000	14,183,000	12,644,000	12,372,000	10,973,000	11,484,000	11,368,000	10,648,000	10,391,000	10,188,000	9,979,000	9,205,000	8,623,000	8,806,000	8,762,000	8,360,000	8,006,000	7,800,000	7,853,000	7,517,000	7,232,000	6,871,000	6,646,000	7,461,000	6,756,000	6,066,000	6,315,000	5,769,000	5,772,000	5,510,000	5,301,000	5,230,000	5,054,000	5,025,000	4,655,000	4,779,000	17,853,326	4,352	4,855,000	4,506,000	2,928,750	3,596,000	4,111,000																1,182,770	1,119,582
income before income tax expense	12,484,000	12,768,000	11,333,000	8,593,000	6,911,000	6,893,000	5,727,000	3,908,000	3,384,000	5,337,000	5,293,000	3,258,000	3,539,000	7,088,000	11,138,000	9,586,000	10,301,000	15,659,000	18,372,000	13,457,000	13,315,000	11,102,000	2,938,000	6,137,000	3,642,000	9,113,000	9,541,000	8,961,000	7,864,000	7,482,000	7,446,000	7,004,000	6,757,000	6,666,000	6,545,000	5,652,000	4,798,000	5,143,000	5,272,000	5,231,000	4,724,000	4,234,000	4,216,000	3,960,000	3,125,000	2,910,000	2,660,000	2,323,000	1,844,000	2,040,000	2,133,000	1,957,000	1,405,000	1,674,000	1,844,000	1,189,000	987,000	2,918,645	675	915,000	765,000	621,000	447,000	71,000																817,782	625,726
income tax expense	2,597,000	2,911,000	2,671,000	2,012,000	1,645,000	1,266,000	1,345,000	909,000	862,000	1,170,000	1,195,000	800,000	836,000	1,596,000	2,725,000	2,346,000	2,331,000	3,654,000	4,355,000	3,134,000	2,949,000	2,501,000	721,000	1,459,000	810,000	1,916,000	2,129,000	1,721,000	1,855,000	1,699,000	1,664,000	1,494,000	1,543,000	4,586,000	2,295,000	2,048,000	1,686,000	1,852,000	1,839,000	1,925,000	1,718,000	1,382,000	1,489,000	1,400,000	1,097,000	928,000	834,000	757,000	594,000	601,000	714,000	657,000	444,000	541,000	618,000	374,000	299,000	832,294	192	287,000	228,000	181,000	110,000		-75,000	-116,000	109,000	209,000	-4,000	-148,000	406,000	478,384	348,209	451,517		483,930				310,876	237,776
net income	9,887,000	5,127,250	8,662,000	6,581,000	5,266,000	2,475,750	4,382,000	2,999,000	2,522,000	2,314,750	4,098,000	2,458,000	2,703,000	5,905,750	8,413,000	7,240,000	7,970,000																									2,852,000	2,727,000	2,560,000	2,028,000	1,982,000	1,826,000	1,566,000	1,250,000	1,439,000	1,419,000	1,300,000	961,000	1,133,000	1,226,000	815,000	688,000	2,086,351	483	628,000	537,000	440,000	337,000	94,000	18,000			487,000	370,000	-126,000	862,000	956,562	751,134	958,056		841,904				506,906	387,950
yoy	87.75%	107.10%	97.67%	119.44%	108.80%	6.96%	6.93%	22.01%	-6.70%	-60.81%	-51.29%	-66.05%	-66.09%																													43.90%	49.34%	63.47%	62.24%	37.73%	28.68%	20.46%	30.07%	27.01%	15.74%	59.51%	39.68%	-45.69%	253730.23%	29.78%	28.12%	374.17%	-99.86%	568.09%	2883.33%			-80.70%	-95.14%			-49.09%	-50.74%	-113.15%		13.62%				66.09%
qoq	92.83%	-40.81%	31.62%	24.97%	112.70%	-43.50%	46.12%	18.91%	8.95%	-43.52%	66.72%	-9.06%	-54.23%	-29.80%	16.20%	-9.16%																										4.58%	6.52%	26.23%	2.32%	8.54%	16.60%	25.28%	-13.13%	1.41%	9.15%	35.28%	-15.18%	-7.59%	50.43%	18.46%	-67.02%	431856.73%	-99.92%	16.95%	22.05%	30.56%	258.51%	422.22%				31.62%	-393.65%	-114.62%	-9.89%	27.35%	-21.60%							30.66%
earnings per common share
basic	1,210	1,200	1,080	810	650	700	540	370	310	520	510	310	340	690	1,060	910	1,000	1,530	1,780	1,320	1,330	1,110	290	610	370	950	980	970	810	780	780	750	710	270	580	520	480	510	540	520	480	470	440	410	330	320	330	280	230	290	290	260	180	170	220	150	100	249.77	0.06	90	60							120	120	-40	290	0.32	0.25	0.33		0.32				0.28	0.22
diluted	1,190	1,180	1,070	810	650	690	540	370	310	510	510	310	330	680	1,040	900	980	1,490	1,750	1,290	1,310	1,100	280	600	360	920	950	930	780	750	750	710	670	260	550	490	460	490	510	490	450	430	410	390	310	310	310	260	220	270	270	250	180	180	210	150	100	239.78	0.05	80	60							120	110	-40	270	0.3	0.23	0.3		0.29				0.25	0.19
weighted-average common shares outstanding
basic	8,163,412,000	8,091,322,000	8,030,944,000	8,118,895,000	8,078,355,000	8,080,623,000	8,064,283,000	8,125,869,000	8,110,249,000	8,046,633,000	8,052,926,000	8,051,131,000		7,958,294,000	7,972,146,000	7,957,631,000	7,931,855,000	7,843,692,000	7,873,868,000	7,847,516,000	7,774,515,000	7,718,615,000	7,732,293,000	7,722,419,000	7,678,598,000	7,528,283,000	7,548,184,000	7,495,508,000	7,459,342,000	7,384,200,000	7,400,174,000	7,370,709,000	7,336,839,000	7,005,703,000	7,281,594,000	6,986,948,000	6,437,231,000		6,322,073,000	6,301,853,000	6,272,847,000	6,204,518,000	6,238,465,000	6,233,745,000	6,225,252,000		4,829,514,000	4,763,407,000	4,610,089,000	4,279,992,000	4,271,652,000	4,269,097,000	4,262,330,000	4,229,928,000	3,845,290,000	3,841,812,000	3,838,747,000	3,819,073,000	3,473,613	3,473,613,000	3,466,698,000	3,453,473,000	3,143,181,000	3,143,181,000		3,054,907,000		3,044,863,000		3,002,205,000	2,987,686,000	2,946,456	2,940,197	2,933,868	2,931,640	2,661,136	2,656,730				1,724,994
diluted	8,292,852,000	8,160,464,000	8,080,459,000	8,133,789,000	8,110,514,000	8,117,057,000	8,089,176,000	8,140,822,000	8,141,921,000	8,078,454,000	8,072,408,000	8,069,028,000		8,071,690,000	8,065,087,000	8,054,910,000	8,096,310,000	7,988,980,000	8,001,028,000	7,987,615,000	7,908,537,000	7,824,214,000	7,815,265,000	7,818,651,000	7,827,173,000	7,772,544,000	7,780,504,000	7,755,821,000	7,741,860,000	7,737,495,000	7,746,205,000	7,751,146,000	7,726,885,000	7,393,377,000	7,668,476,000	7,366,208,000	6,829,590,000		6,740,751,000	6,702,820,000	6,663,432,000	6,560,739,000	6,579,448,000	6,533,658,000	6,514,873,000		5,046,487,000	5,036,553,000	4,877,448,000	4,458,918,000	4,490,026,000	4,423,141,000	4,371,324,000	4,339,958,000	3,954,519,000	4,033,564,000	3,879,830,000	3,896,743,000	3,577,176	3,553,868,000	3,546,726,000	3,453,473,000	3,144,089,000	3,143,181,000		3,080,786,000		3,053,933,000		3,002,205,000	3,185,084,000	3,235,959	3,240,625	3,245,226	3,238,329	2,950,761	2,930,368				2,007,634
provision for (reversal of) credit losses					750,000	81,250			-175,000					2,325,000	950,000	1,775,000	1,105,000
net interest income after provision for (reversal of) credit losses					22,633,000	14,609,750	20,591,000		18,820,000
outside service and data processing costs					2,037,000	2,003,000	1,930,000	1,962,000	1,846,000	2,000,000	1,744,000	1,705,000	1,629,000	1,521,000	1,529,000	1,528,000	1,411,000	1,256,000	1,229,000	1,238,000	1,142,000	577,000	1,225,000	1,228,000	1,192,000	1,109,000	1,073,000	1,045,000	960,000	902,000	841,000	824,000	736,000	796,000	794,000	823,000	745,000
loss on disposal of fixed assets														-98,500		-394,000																				-50,000
gain on sale of securities																																																																		8,500	34,000		1,750	7,000
weighted average common shares outstanding
basic													8,025,876,000																									6,318,322,000								4,980,595,000																			3,128,542,000		3,048,959,000		2,997,906,000											1,788,864
diluted													8,092,270,000																									6,720,888,000								5,199,376,000																			3,128,542,000		3,109,708,000		3,167,402,000											2,044,963
net lender and referral fees on ppp loans																		67,000		268,000
other real estate owned expenses																			-3,000	1,000	387,000
mortgage production costs																	1,649,000	1,667,000	1,956,000	2,264,000	2,867,000
provision for (reversal of) loan losses																		-2,050,000	-6,000,000	-1,900,000
net interest income after provision for loan losses																		27,057,000	28,172,000	23,330,000	21,573,000	19,003,000	9,537,000	9,574,000	12,098,000	16,583,000	16,629,000	16,239,000	15,518,000	15,397,000	15,101,000	14,212,000	13,542,000	13,108,000	12,809,000	11,852,000	11,107,000	11,024,000	10,055,000	9,938,000	9,682,000	9,430,000	8,963,000	8,491,000	8,445,000	7,934,000	7,166,000	7,120,000	6,644,000	6,825,000	6,588,000	6,380,000	5,753,000	5,831,000	5,583,000	5,103,000	4,929,000	18,003,868	4,304	5,152,000	4,676,000	4,668,000	3,956,000	2,597,000				3,711,000	3,134,000	4,193,000	4,079,000	3,972,837	3,770,444	3,323,706		2,959,803				1,816,131	1,582,985
net income available to common shareholders																		12,005,000	14,017,000	10,323,000	10,366,000	8,601,000	2,217,000	4,678,000	2,832,000	7,197,000	7,412,000	7,240,000	6,009,000	5,783,000	5,782,000	5,510,000	5,214,000	2,080,000	4,250,000	3,604,000	3,112,000	3,291,000	3,433,000	3,306,000	3,006,000	2,852,000	2,727,000	2,560,000	2,028,000	1,766,000	1,573,000	1,313,000	1,057,000	1,248,000	1,228,000	1,109,000	784,000	929,000	842,000	589,000	399,000	943,207	197	306,000	208,000		5,000		-322,000	-193,000	79,000	367,000
provision for loan losses																					-300,000	2,300,000	11,100,000	10,200,000	6,000,000	1,050,000	650,000	300,000	300,000	600,000	400,000	400,000	500,000	500,000	500,000	500,000	500,000	275,000	825,000	575,000	625,000	700,000	875,000	1,000,000	625,000	900,000	1,325,000	950,000	1,000,000	825,000	775,000	750,000	1,125,000	950,000	1,125,000	1,275,000	1,200,000	5,266,955	1,670	650,000	725,000	635,000	1,275,000	2,300,000	1,400,000	1,500,000	1,085,000	750,000	1,211,000	650,000	700,000	450,000	380,000	460,000		400,000				375,000	350,000
real estate owned expenses																						168,250	673,000											9,500	28,000	-3,000	13,000	181,250	81,000	359,000	285,000	250,750	148,000	93,000
federal funds sold																												451,000	174,000	158,000	219,000	514,000	247,000	236,000	230,000	261,000	57,000	43,000	31,000	46,000	45,000	58,000	33,000	19,000	25,000	18,000	24,000	16,000	14,000	16,000	14,000	18,000	14,000	19,000	13,000	21,000	14,000	105,912	20	40,000	28,000	25,000	13,000	11,000	11,000	14,000	9,000	5,000	23,000	57,000	97,000	77,278	202,014	161,834		48,391				6,184	4,590
gain on sale of investment securities																																		2,000		2,000			106,000	19,000	307,000		2,000	36,000	259,000			230,000							295,000		72,000	22,985	15			52,000		1,088,000	16,000
data processing and related costs																																						479,000	690,000	628,000	598,000	700,000	588,000	573,000	585,000	673,000	625,000	622,000	594,000	625,000	611,000	594,000	576,000	530,000	518,000	508,000	514,000	1,867,618	487	460,000	435,000	416,000	421,000	402,000	385,000	374,000	358,000	374,000	340,000	347,000	344,000	310,319	296,350	258,346		197,870				208,452	181,471
loan and mortgage fee income																																									1,517,000	1,242,000	1,426,000	1,409,000	1,196,000
preferred stock dividend																																														216,000	253,000	253,000	193,000	191,000	191,000	191,000	197,000	204,000	204,000	216,000	216,000	864,351	216	216,000	216,000	162,250	216,000	216,000	216,000
real estate owned activity																																													763,000	551,000	71,000	12,000	13,000	149,000	25,000		20,000	219,000	267,000	176,000	278,000	938,943	16	548,000	531,000				15,000	-38,000	-148,000		-82,000		7,000	-70,129	-149,338	328,593
loan fee income																																														454,000	861,000	613,000	342,000	312,000	398,000	267,000	259,000	290,000	364,000	190,000	200,000	876,444	232	181,000	144,000	295,000	190,000	106,000	120,000	134,000	138,000	38,000	71,000	38,000	43,000	45,364	37,846	37,379		30,801				33,860	26,035
redemption of preferred stock																																																		-40,000			20,000	-192,000		96,000
discount accretion																																																							180,000	106,000	73,000	278,793	70
other than temporary impairment on investments
other than temporary impairment on investment securities																																																																					-90,000	-1,841,000
gain on sale of property and equipment																																																																	18,000
dividend accretion																																																												106,000	113,000	116,000	116,000	116,000	124,000	127,000	127,000	42,000
telephone																																																													78,000	75,000	74,000	77,000	76,000	80,000	76,000	51,000	50,000	50,000	42,000	28,977	33,089	34,767		15,882				6,454	6,470
earnings (loss) per common share
basic																																																																	-100	37.5	30
diluted																																																																	-100	37.5	30
income (loss) before income tax expense																																																																		432,000	533,000
preferred stock dividend to be paid																																																																		128,000	218,000	78,000
net interest income before provision for loan losses																																																																																2,191,131	1,932,985
write-down on real estate owned
earnings per common share:
basic	1,210	1,200	1,080	810	650	700	540	370	310	520	510	310	340	690	1,060	910	1,000	1,530	1,780	1,320	1,330	1,110	290	610	370	950	980	970	810	780	780	750	710	270	580	520	480	510	540	520	480	470	440	410	330	320	330	280	230	290	290	260	180	170	220	150	100	249.77	0.06	90	60							120	120	-40	290	0.32	0.25	0.33		0.32				0.28	0.22
diluted	1,190	1,180	1,070	810	650	690	540	370	310	510	510	310	330	680	1,040	900	980	1,490	1,750	1,290	1,310	1,100	280	600	360	920	950	930	780	750	750	710	670	260	550	490	460	490	510	490	450	430	410	390	310	310	310	260	220	270	270	250	180	180	210	150	100	239.78	0.05	80	60							120	110	-40	270	0.3	0.23	0.3		0.29				0.25	0.19
salaries and benefits																																																																																	598,645

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	2016-09-30	2016-06-30	2016-03-31	2015-12-31	2015-09-30	2015-06-30	2014-12-31	2014-09-30	2014-06-30	2014-03-31	2013-12-31	2013-09-30	2013-06-30	2013-03-31	2012-12-31	2012-09-30	2012-06-30	2012-03-31	2011-12-31	2011-09-30	2011-06-30	2011-03-31	2010-12-31	2010-09-30	2010-06-30	2010-03-31	2009-12-31	2009-09-30	2009-03-31	2008-12-31	2008-09-30	2007-09-30	2007-06-30	2007-03-31	2006-12-31	2006-03-31	2005-12-31	2005-09-30	2004-09-30	2004-03-31

assets
cash and cash equivalents:
cash and due from banks	32,723,000	27,821,000	24,600,000	25,184,000	24,904,000	22,553,000	25,289,000	21,567,000	13,925,000		17,395,000	24,742,000	22,213,000		16,530,000	21,090,000	20,992,000		17,944,000	17,093,000	12,621,000		14,916,000	47,292,000	17,521,000		44,349,000	12,220,000	16,853,000		15,199,000	17,198,000	10,645,000		18,942,000	7,412,000	14,339,000	11,215,000	14,500,000	19,921,000		11,311,000	12,085,000		9,113,000		18,419,000		7,627,000	9,815,000	4,959,000		7,831,000	7,668,000	10,295,000		7,568,000	5,177,000	8,422,000		4,381,000	5,101,000	5,624,000		6,916,000	8,867,000	4,360,000	9,189,000	9,153,673	13,812,446	7,506,701			6,223,397	5,140,135	3,098,173	3,267,291
federal funds sold	228,235,000	183,473,000	178,534,000	180,834,000	263,612,000	128,452,000	226,110,000	164,432,000	144,595,000		127,714,000	170,145,000	242,642,000		139,544,000	124,462,000	95,093,000		47,440,000	75,327,000	74,268,000		83,106,000	87,743,000	40,277,000		19,215,000	40,044,000	75,207,000		52,956,000	62,854,000	103,213,000		34,016,000	52,097,000	86,466,000	20,584,000	41,624,000	19,174,000		34,817,000	24,106,000		43,156,000	23,367,000	7,795,000	24,977,000		8,795,000	14,100,000					45,498,000			67,124,000	25,666,000	28,525,000	22,567,000	13,426,000	14,375,000	21,963,000	3,668,000	8,800,000	12,003,000	18,313,901	3,598,169	19,136,368	9,091,000		19,380,755	7,333,626	473,819	4,661,891
interest-bearing deposits with banks	81,818,000	58,289,000	79,769,000	65,014,000	16,541,000	11,858,000	9,176,000	8,828,000	8,789,000		7,283,000	10,183,000	7,350,000		4,532,000	36,538,000	33,131,000		63,149,000	61,377,000	68,456,000		64,893,000	103,371,000	83,314,000		70,959,000	64,520,000	25,246,000		21,836,000	29,301,000	22,253,000		21,654,000	27,303,000	20,427,000	10,111,000	15,395,000	15,678,000		4,209,000	5,219,000		5,762,000		16,285,000		16,089,000	17,029,000	17,131,000		16,996,000	17,660,000	16,498,000		14,217,000	14,529,000
total cash and cash equivalents	342,776,000	269,583,000	282,903,000	271,032,000	305,057,000	162,863,000	260,575,000	194,827,000	167,309,000		152,392,000	205,070,000	272,205,000		160,606,000	182,090,000	149,216,000		128,533,000	153,797,000	155,345,000		162,915,000	238,406,000	141,112,000		134,523,000	116,784,000	117,306,000		89,991,000	109,353,000	136,111,000		74,612,000	86,812,000	121,232,000	41,910,000	71,519,000	54,773,000		50,337,000	41,410,000		58,031,000		42,499,000		23,716,000	35,639,000	36,190,000		35,902,000	31,268,000	46,373,000		40,050,000	52,041,000	75,546,000		32,906,000	27,668,000
investment securities:
investment securities available for sale	124,224,000	127,730,000	131,040,000	128,867,000	131,290,000	132,127,000	134,597,000	121,353,000	125,996,000		144,035,000	91,548,000	94,036,000		91,521,000	98,991,000	106,978,000		113,802,000	91,232,000	92,997,000		87,991,000	70,997,000	70,507,000		89,427,000	75,252,000	73,300,000		66,886,000	70,067,000	58,506,000		78,440,000	81,379,000	62,836,000	67,874,000	84,520,000	77,065,000		66,346,000	51,465,000		56,869,000		68,747,000		70,170,000	69,483,000	75,106,000		64,097,000	66,407,000	70,691,000		81,012,000	84,990,000	60,114,000		82,702,000	85,201,000	84,018,000		80,775,000	75,766,000	64,432,000	68,703,000	65,223,677	55,305,338	58,475,542			11,310,956	10,526,843	2,950,185	3,390,436
other investments	20,377,000	20,063,000	20,066,000	19,906,000	19,927,000	19,490,000	19,640,000	18,653,000	18,499,000		19,600,000	12,550,000	10,097,000		5,449,000	5,065,000	4,104,000		2,820,000	2,770,000	1,770,000		2,589,000	2,610,000	5,341,000		3,307,000	3,311,000	3,309,000		4,929,000	3,059,000	3,056,000		3,064,000	4,031,000	5,523,000	5,741,000	5,749,000	5,740,000		5,532,000	5,532,000		6,522,000		5,960,000		7,466,000	6,116,000	7,602,000
total investment securities	144,601,000	147,793,000	151,106,000	148,773,000	151,217,000	151,617,000	154,237,000	140,006,000	144,495,000		163,635,000	104,098,000	104,133,000		96,970,000	104,056,000	111,082,000		116,622,000	94,002,000	94,767,000		90,580,000	73,607,000	75,848,000		92,734,000	78,563,000	76,609,000		71,815,000	73,126,000	61,562,000		81,504,000	85,410,000	68,359,000	73,615,000	90,269,000	82,805,000		71,878,000	56,997,000		63,391,000		74,707,000		77,636,000	75,599,000	82,708,000		71,891,000	74,231,000	78,615,000		89,040,000	93,865,000	69,184,000		92,124,000	94,524,000
mortgage loans held for sale	13,723,000	11,569,000	6,906,000	10,739,000	11,524,000	4,565,000	8,602,000	14,759,000	11,842,000		7,117,000	15,781,000	6,979,000		9,243,000	18,329,000	17,840,000		31,641,000	36,427,000	57,073,000		63,823,000	44,169,000	34,948,000		40,630,000	24,509,000	9,393,000		9,298,000	8,075,000	10,885,000		9,124,000	11,480,000	7,452,000	9,126,000	14,367,000						9,372,000
loans	3,942,219,000	3,845,124,000	3,789,021,000	3,746,841,000	3,683,919,000	3,631,767,000	3,619,556,000	3,622,521,000	3,643,766,000	3,602,627,000	3,553,632,000	3,537,616,000	3,417,945,000	3,273,363,000	3,030,027,000	2,845,205,000	2,660,675,000	2,489,877,000	2,389,047,000	2,254,135,000	2,183,682,000	73,718,000	2,078,540,000	2,036,801,000	2,030,261,000	1,943,525,000	1,838,427,000	1,809,355,000	1,733,964,000	1,677,332,000	1,620,201,000	1,533,447,000	1,459,382,000	1,387,070,000	1,327,739,000	1,299,829,000	1,218,680,000	1,114,099,000	1,065,496,000	1,038,862,000	1,004,944,000	993,233,000	963,496,000	871,446,000	832,722,000	798,410,000	778,798,000	688,169,000	708,033,000	687,482,000	665,244,000		637,659,000	618,874,000	607,925,000	584,633,000	591,055,000	577,980,000	579,554,000	579,383,000	579,848,000	580,707,000	583,882,000	568,556,000	569,687,000	558,965,000	559,602,000	554,782,000			427,000,563	375,351,000	351,727,000	334,040,776	319,727,816	264,258,625	226,366,349
less allowance for credit losses	-43,378,000	-42,280,000	-41,799,000	-41,285,000	-40,687,000	-39,914,000	-40,166,000	-40,157,000	-40,441,000		-41,131,000	-41,105,000	-40,435,000		-36,317,000	-34,192,000	-32,944,000
bank owned life insurance	56,221,000	55,775,000	55,324,000	54,886,000	54,473,000	54,070,000	53,663,000	53,263,000	52,878,000		52,140,000	51,792,000	51,453,000		50,778,000	50,463,000	50,148,000		49,521,000	49,200,000	48,869,000		40,821,000	40,551,000	40,281,000		39,730,000	39,448,000	34,226,000		33,793,000	33,573,000	33,352,000		32,911,000	25,837,000	25,654,000	25,288,000	25,101,000	24,921,000		24,548,000	22,382,000		21,881,000		21,545,000		21,223,000	21,043,000	18,885,000		18,560,000	18,403,000	18,252,000		17,916,000	14,790,000	14,660,000		14,408,000	14,274,000	14,127,000		13,828,000	13,492,000	13,369,000	11,719,000	8,811,402	8,325,330	8,238,947
property and equipment	88,580,000	83,465,000	84,586,000	85,921,000	87,369,000	88,794,000	90,158,000	91,533,000	93,007,000		95,743,000	96,964,000	97,806,000		99,530,000	96,674,000	95,129,000		78,456,000	69,193,000	61,710,000		61,386,000	61,344,000	58,656,000		54,846,000	48,262,000	47,262,000		32,670,000	32,720,000	32,339,000		31,549,000	31,686,000	29,990,000	27,325,000	26,036,000	24,724,000		23,461,000	22,704,000		21,037,000		20,116,000		19,879,000	19,971,000	18,723,000		17,584,000	17,174,000	17,302,000		16,516,000	16,139,000	15,839,000		15,965,000	16,139,000	16,286,000		16,120,000	12,762,000	11,701,000	9,921,000	5,109,183	5,193,306	5,135,517			5,576,882	3,736,815	1,736,579	985,125
deferred income taxes	13,812,000	13,702,000	12,657,000	12,971,000	13,080,000	13,467,000	11,595,000	12,339,000	12,321,000		13,078,000	12,356,000	12,087,000		18,425,000	15,078,000	10,635,000		16,591,000	25,025,000	9,813,000		6,510,000	4,017,000	4,087,000		8,970,000	7,049,000	3,877,000		7,998,000	6,069,000	3,975,000		9,085,000	7,050,000	5,029,000	5,990,000	5,467,000	6,287,000		6,080,000	5,929,000		5,211,000		5,095,000		4,235,000	4,154,000	3,175,000		2,657,000	2,813,000	3,003,000		3,009,000	2,887,000	3,272,000		3,480,000	3,592,000	3,474,000		3,108,000	3,600,000	3,864,000	3,321,000	1,960,719	2,365,960
other assets	19,848,000	18,763,000	17,885,000	18,189,000	18,359,000	20,364,000	16,411,000	20,758,000	20,527,000		23,351,000	19,535,000	15,967,000		2,458,000	2,527,000	3,232,000		9,840,000	10,316,000	12,162,000		17,055,000	15,002,000	9,518,000		7,614,000	8,218,000	7,840,000		8,081,000	7,521,000	7,545,000		6,739,000	6,566,000	6,829,000	6,871,000	6,772,000	6,602,000		6,501,000	6,607,000		7,213,000		4,837,000		4,984,000	4,680,000	6,147,000	1,578,000	5,416,000	6,000,000	7,732,000		9,271,000	9,119,000	10,472,000		13,568,000	12,839,000	11,664,000		9,305,000	776,000	855,000	621,000	555,746	567,465	2,075,937			2,264,713	1,662,071	1,538,766	1,216,402
total assets	4,578,402,000	4,403,494,000	4,358,589,000	4,308,067,000	4,284,311,000	4,087,593,000	4,174,631,000	4,109,849,000	4,105,704,000	4,055,789,000	4,019,957,000	4,002,107,000	3,938,140,000	3,691,981,000	3,439,669,000	3,287,663,000	3,072,640,000	2,925,548,000	2,784,176,000	2,650,183,000	2,579,922,000		2,479,411,000	2,482,295,000	2,372,249,000	2,267,195,000	2,201,626,000	2,116,044,000	2,014,426,000	1,900,614,000	1,857,707,000	1,787,784,000	1,729,299,000	1,624,625,000	1,557,684,000	1,539,226,000	1,467,938,000	1,289,746,000	1,290,710,000	1,239,317,000	1,217,293,000	1,173,557,000	1,119,000,000	1,029,865,000	1,007,553,000	942,377,000	936,884,000	839,620,000	849,890,000	839,007,000	821,705,000	78,945,000	780,415,000	759,632,000	770,006,000	756,487,000	758,106,000	758,102,000	760,139,000	742,540,000	743,888,000	741,391,000		720,133,000				696,566,000	614,270,618	573,108,053	557,655,511	456,946,000	402,141,000	405,312,543	375,288,296	292,941,096	258,811,531
liabilities																																																																								393,995,000
deposits	3,873,455,000	3,716,803,000	3,676,417,000	3,636,329,000	3,620,886,000	3,435,765,000	3,518,825,000	3,459,869,000	3,460,681,000	3,379,564,000	3,347,771,000	3,433,018,000	3,426,774,000	3,133,864,000	3,001,452,000	2,870,158,000	2,708,174,000	2,563,826,000	2,433,018,000	2,310,892,000	2,258,751,000		2,181,056,000	2,188,643,000	2,025,698,000	1,876,124,000	1,899,295,000	1,854,008,000	1,758,235,000	1,648,136,000	1,589,483,000	1,567,982,000	1,520,523,000	1,381,123,000	1,342,577,000	1,297,911,000	1,211,274,000	1,045,075,000	1,049,124,000	1,003,241,000	985,733,000	943,918,000	894,524,000	788,907,000	772,760,000		722,412,000		607,052,000	632,072,000	612,394,000		574,439,000	554,417,000	566,722,000		554,676,000	556,449,000	560,054,000		542,742,000	536,331,000	517,561,000		494,816,000	474,797,000	469,537,000	477,828,000	415,063,727	384,283,278	383,930,111	279,614,000		254,148,041	236,883,932	183,232,228	173,235,954
federal home loan bank advances and other borrowings	240,000,000	240,000,000				240,000,000																			65,000,000		25,000,000	25,000,000	25,000,000		68,500,000	28,600,000	28,600,000		39,200,000	73,200,000	117,700,000	115,200,000	115,200,000	115,200,000		115,200,000	115,200,000		139,600,000		124,100,000		154,100,000	124,100,000	124,100,000		124,100,000
subordinated debentures	24,903,000	24,903,000	24,903,000	24,903,000	24,903,000	24,903,000	24,903,000	36,376,000	36,349,000	36,322,000	36,295,000	36,268,000	36,241,000	36,214,000	36,187,000	36,160,000	36,133,000	36,106,000	36,079,000	36,052,000	36,025,000		35,971,000	35,944,000	35,917,000	35,890,000	35,887,000
other liabilities	60,631,000	53,131,000	60,921,000	61,373,000	60,924,000	56,481,000	64,365,000	54,856,000	53,418,000		56,993,000	51,307,000	50,775,000		54,245,000	48,708,000	49,809,000		49,450,000	51,580,000	45,625,000		43,635,000	41,554,000	35,159,000		42,950,000	33,779,000	36,602,000		19,377,000	16,943,000	12,034,000		15,055,000	11,976,000	11,995,000	10,045,000	10,580,000	9,178,000		9,986,000	8,206,000		8,198,000		7,194,000		7,004,000	5,870,000	7,382,000		5,186,000	5,941,000	4,175,000		5,459,000	4,795,000	4,186,000		4,937,000	5,038,000	4,688,000
total liabilities	4,198,989,000	4,034,837,000	4,002,241,000	3,962,605,000	3,946,713,000	3,757,149,000	3,848,093,000	3,791,101,000	3,790,448,000		3,716,059,000	3,700,593,000	3,638,790,000		3,151,884,000	3,005,026,000	2,794,116,000		2,518,547,000	2,398,524,000	2,340,401,000		2,260,662,000	2,266,141,000	2,161,774,000		2,003,132,000	1,926,190,000	1,833,240,000		1,690,763,000	1,626,928,000	1,574,560,000		1,410,235,000	1,396,490,000	1,354,372,000	1,183,723,000	1,188,307,000	1,141,022,000		1,082,507,000	1,031,333,000		933,961,000		867,109,000		785,114,000	775,445,000	757,279,000		717,128,000	696,461,000	707,000,000		696,238,000	697,347,000	700,343,000		683,782,000	681,472,000														267,453,486	247,251,253
shareholders’ equity										312,467,000				294,512,000				277,901,000								205,860,000				173,916,000				149,686,000							94,240,000			82,992,000		71,409,000		65,011,000				64,125,000				61,426,000
preferred stock, par value .01 per share, 10,000,000 shares authorized
common stock	82,000	82,000	82,000	82,000	82,000	82,000	82,000	82,000	82,000		81,000	81,000	80,000		80,000	80,000	80,000		79,000	79,000	79,000		77,000	77,000	77,000		76,000	76,000	75,000		74,000	74,000	74,000		73,000	73,000									48,000		48,000																														11,500
nonvested restricted stock	-1,302,000	-1,338,000	-1,929,000	-2,774,000	-3,372,000	-3,884,000	-4,219,000	-4,710,000	-5,257,000		-4,065,000	-4,051,000	-4,462,000		-3,348,000	-3,230,000	-3,425,000		-1,469,000	-1,173,000	-1,075,000		-989,000	-1,001,000	-1,105,000		-919,000	-887,000	-993,000		-770,000	-853,000	-842,000		-500,000	-587,000	-669,000	-675,000	-607,000	-681,000		-350,000	-400,000		-516,000		-614,000																-10,000		-17,000	-24,000	-27,000	-30,000
additional paid-in capital	127,168,000	125,924,000	125,035,000	124,839,000	124,561,000	124,641,000	124,288,000	124,174,000	124,159,000		121,757,000	120,912,000	120,683,000		118,433,000	117,714,000	117,286,000		113,501,000	112,604,000	111,181,000		108,337,000	108,031,000	107,529,000		105,378,000	104,354,000	103,600,000		102,171,000	101,691,000	100,890,000		99,464,000	99,174,000	73,865,000	71,649,000	71,178,000	70,889,000		69,400,000	69,192,000		50,166,000		49,887,000		43,418,000	42,751,000	42,641,000		38,579,000	39,834,000	39,759,000		37,025,000	38,074,000	37,903,000		34,920,000	34,744,000	34,572,000		33,794,000	33,286,000	31,850,000	31,504,000	30,971,882	30,968,835	30,851,044				25,626,740	23,650,354	10,635,200
accumulated other comprehensive loss	-7,865,000	-7,454,000	-8,426,000	-9,609,000	-10,016,000	-11,472,000	-9,063,000	-11,866,000	-11,797,000		-15,255,000	-12,710,000	-11,775,000		-14,009,000	-10,143,000	-6,393,000												-379,000		-1,622,000	-1,365,000	-1,182,000												-26,000
retained earnings	261,330,000	251,443,000	241,586,000	232,924,000	226,343,000	221,077,000	215,450,000	211,068,000	208,069,000		201,380,000	197,282,000	194,824,000		186,629,000	178,216,000	170,976,000		153,766,000	139,749,000	129,426,000		110,459,000	108,242,000	103,564,000		93,535,000	86,123,000	78,883,000		67,091,000	61,309,000	55,799,000		48,505,000	44,256,000	40,652,000	34,249,000	30,816,000	27,510,000		21,652,000	18,925,000		12,678,000		9,791,000		7,476,000	6,248,000	5,142,000		7,140,000	6,306,000	5,717,000		7,634,000	8,035,000	7,623,000		9,612,000	9,491,000	9,613,000		9,875,000	9,541,000	9,012,000	8,642,000	6,389,786	5,433,224	4,682,090			4,970,012	4,864,987	1,751,978	831,221
total shareholders’ equity	379,413,000	368,657,000	356,348,000	345,462,000	337,598,000	330,444,000	326,538,000	318,748,000	315,256,000		303,898,000	301,514,000	299,350,000		287,785,000	282,637,000	278,524,000		265,629,000	251,659,000	239,521,000		218,749,000	216,154,000	210,475,000		198,494,000	189,854,000	181,186,000		166,944,000	160,856,000	154,739,000		147,449,000	142,736,000	113,566,000	106,023,000	102,403,000	98,295,000		91,050,000	87,667,000		73,592,000		69,775,000																													25,487,610	11,560,278
total liabilities and shareholders’ equity	4,578,402,000	4,403,494,000	4,358,589,000	4,308,067,000	4,284,311,000	4,087,593,000	4,174,631,000	4,109,849,000	4,105,704,000	3,924,569,000	4,019,957,000	4,002,107,000	3,938,140,000	3,224,122,000	3,439,669,000	3,287,663,000	3,072,640,000	2,668,433,000	2,784,176,000	2,650,183,000	2,579,922,000		2,479,411,000	2,482,295,000	2,372,249,000		2,201,626,000	2,116,044,000	2,014,426,000		1,857,707,000	1,787,784,000	1,729,299,000		1,557,684,000	1,539,226,000	1,467,938,000	1,289,746,000	1,290,710,000	1,239,317,000		1,173,557,000	1,119,000,000		1,007,553,000	942,377,000	936,884,000	839,620,000				78,945,000				756,487,000																				292,941,096	258,811,531
fhlb advances and related debt			240,000,000	240,000,000	240,000,000		240,000,000	240,000,000	240,000,000		275,000,000	180,000,000	125,000,000		60,000,000	50,000,000
balance sheet data
investment securities										154,641,000				104,180,000				124,302,000								74,642,000				79,026,000				72,065,000							95,471,000			61,546,000																													35,781,000
allowance for credit losses										40,682,000				38,639,000
fhlb advances and other borrowings										275,000,000				175,000,000				704,000				1,089,000				110,000,000				50,000,000				67,200,000							115,200,000			135,200,000		125,434,000		132,955,000
common equity										312,467,000				294,512,000				277,901,000								205,860,000				173,916,000				149,686,000							94,240,000			82,992,000
preferred stock
selected results of operations data
interest income										177,598,000				117,662,000				93,167,000								92,652,000				76,657,000				61,209,000							46,030,000			39,948,000
interest expense										99,944,000				20,041,000				5,435,000								25,383,000				16,505,000				10,333,000							7,501,000			6,908,000
net interest income										77,654,000				97,621,000				87,732,000				60,152,000				67,269,000				60,152,000				50,876,000							38,529,000			33,040,000		8,070,000		29,021,000								23,288,000				20,212,000				19,282,000
provision for credit losses										1,260,000				6,155,000
net interest income after provision for credit losses										76,394,000				91,466,000
noninterest income										9,860,000				9,580,000				17,101,000								14,983,000				10,201,000				9,337,000							8,416,000			5,780,000
noninterest expenses										68,827,000				62,933,000				56,430,000								44,473,000				39,763,000				34,552,000							28,209,000			24,907,000
income before income tax expense										17,427,000				38,113,000				60,803,000								35,479,000				28,690,000				23,661,000							15,536,000			9,738,000
income tax expense										4,001,000				8,998,000				14,092,000								7,621,000				6,401,000				10,616,000							5,369,000			3,113,000
net income										13,426,000				29,115,000				46,711,000								27,858,000				22,289,000				13,045,000							10,167,000			6,625,000
preferred stock dividends																																												915,000
net income available to common shareholders										13,426,000				29,115,000				46,711,000								27,858,000				22,289,000				13,045,000							10,167,000			5,710,000
per common share data
basic										1,670				3,660				5,960								3,700				3,020				1,860							1,640			1,150
diluted										1,660				3,610				5,850								3,580				2,880				1,760							1,550			1,100
book value										38,630				36,760				35,070								26,830				23,290				20,370							14,980			13,340
weighted-average number of common shares outstanding:
basic, in thousands										8,047,000				7,958,000				7,844,000								7,528,000				7,384,000				7,006,000							6,205,000			4,981,000
diluted, in thousands										8,078,000				8,072,000				7,989,000								7,773,000				7,737,000				7,393,000							6,561,000			5,201,000
selected financial ratios
performance ratios:
return on average assets										340				900				1,750								1,350				1,270				870							900			690
return on average equity										4,440				10,200				18,640								14,720				13,830				9,660							11,420			8,920
return on average common equity										4,440				10,200				18,640								14,720				13,830				9,660							11,420			12,030
net interest margin, tax equivalent										2,070				3,190				3,450								3,430				3,580				3,570							3,630			3,680
efficiency ratio										78,650				58,710				53,830								54,070				56,520				57,380							60,090			64,160
asset quality ratios:
nonperforming assets to total loans										110				80				200								350				350				540							900			1,140
nonperforming assets to total assets										100				70				170								300				310				460							750			970
net charge-offs to average total loans														-50				60								80				110				100							140			330
allowance for credit losses to nonperforming loans										1,026,580				1,470,740
allowance for credit losses to total loans										1,130				1,180
holding company capital ratios:
total risk-based capital ratio										12,570				12,910				14,900								13,730				12,490				13,270							11,950			12,510																												13,100
tier 1 risk-based capital ratio										10,600				10,880				12,650								11,630				11,530				12,110							10,700			11,250																												11,900
leverage ratio										8,140				9,170				10,190								10,100				10,140				10,260							8,780			9,520																												9,400
common equity tier 1 ratio										10,190				10,440				12,090								10,940				10,730				11,150							9,400			7,760
tangible common equity										7,700				7,980				9,500								9,080				9,150				9,210
growth ratios:
change in assets										9,850				26,200				17,840								19,290				16,990				21,160							18,200			15,610
change in loans										10,060				31,470				16,190								15,870				20,930				19,200							15,320			18,780
change in deposits										7,840				22,230				19,650								13,830				19,330				26,570							24,950			15,960
change in net income to common shareholders										-53,890				-37,670				154,860								24,990				70,860				70							78,060			30,690
change in earnings per common share - diluted										-54,020				-38,290				150,000								24,310				63,640				-9,280							40,910			12,240
interest-earning assets
federal funds sold and interest-bearing deposits with banks										134,495,000				88,077,000				123,379,000				1,138,000
investment securities, taxable										121,739,000				97,328,000				92,812,000				1,623,000																								49,519,000		55,269,000								70,832,000				86,418,000				94,733,000
investment securities, nontaxable										7,941,000				10,604,000				11,331,000				231,000																								22,019,000		24,219,000								13,593,000				7,822,000				3,898,000
total interest-earning assets										3,761,798,000																																				893,315,000
noninterest-earning assets										162,771,000																																				49,062,000
interest-bearing liabilities
now accounts										299,703,000				374,956,000				306,669,000				401,000																								143,972,000		152,238,000								140,139,000				96,901,000				43,465,000								35,048,000	32,983,000
savings & money market										1,708,874,000				1,364,961,000				1,176,820,000				8,766,000																								186,409,000		146,185,000								111,813,000
time deposits										631,967,000				301,793,000				176,301,000				5,669,000																								272,178,000		230,054,000								243,618,000				291,129,000				318,255,000								163,879,000	147,761,000
total interest-bearing deposits										2,640,544,000				2,041,710,000				1,659,790,000				14,836,000																								602,559,000		528,477,000								495,570,000				485,213,000				448,226,000									240,815,000
subordinated debt										36,265,000				36,156,000				36,049,000				580,000
total interest-bearing liabilities										2,846,772,000				2,097,498,000				1,696,543,000				16,505,000																								741,396,000		674,835,000								631,677,000				630,577,000				617,942,000									344,874,000
noninterest-bearing liabilities										775,116,000				841,233,000				721,267,000																												129,572,000		99,774,000								63,384,000				51,356,000				45,686,000
net interest spread																																														3,500		3,550								3,070				2,670				2,590									3,030
net interest income(tax equivalent)/margin																						60,205,000
less: tax-equivalent adjustment																						-53,000																								86,000		-382,000								-261,000				-163,000				-89,000
total earning assets														3,066,742,000				2,541,779,000				76,710,000																										792,634,000								714,556,000				699,289,000				681,562,000								439,997,000
nonearning assets														157,380,000				126,654,000																														46,986,000								41,931,000				43,251,000				38,571,000								16,949,000
accrued interest receivable															7,949,000	7,433,000	7,627,000																																																	2,603,000	2,900,000	2,931,000	3,036,557	2,739,700	2,668,216			1,694,648	1,387,329
allowance for loan losses																		30,408,000								16,642,000				15,762,000				15,523,000							13,629,000			11,752,000
provision for loan losses																		-12,400,000								2,300,000				1,900,000				2,000,000							3,200,000			4,175,000
net interest income after provision for loan losses																		100,132,000								64,969,000				58,252,000				48,876,000							35,329,000			28,865,000
allowance for loan losses to nonperforming loans																		625,160								244,950				270,360				212,600							205,980			176,720
allowance for loan losses to total loans																		1,220								860				940				1,120							1,360			1,350
less allowance for loan losses																			-36,075,000	-41,912,000	-43,499,000		-42,219,000	-31,602,000	-22,462,000		-15,848,000	-16,144,000	-16,051,000		-16,140,000	-16,100,000	-15,852,000		-15,579,000	-15,444,000	-15,287,000	-14,478,000	-14,317,000	-13,898,000		-13,368,000	-12,927,000		-11,305,000		-10,713,000																-7,937,000		-7,916,000
accumulated other comprehensive income																			-248,000	400,000	-90,000		865,000	805,000	410,000		424,000	188,000							-93,000	-180,000	-347,000	736,000	952,000	514,000		286,000	-112,000				-579,000				971,000		1,403,000	1,290,000	900,000		667,000				471,000	468,000	652,000		990,000	-674,000	-1,079,000	-2,497,000	-255,687						-56,742	59,998	82,357
hotels
restaurants
total
●
junior subordinated debentures																												13,403,000	13,403,000	13,403,000	13,403,000	13,403,000	13,403,000	13,403,000	13,403,000	13,403,000	13,403,000	13,403,000	13,403,000	13,403,000	13,403,000	13,403,000	13,403,000	13,403,000	13,403,000	13,403,000	13,403,000					13,403,000											13,403,000		13,403,000											6,186,000
preferred stock, par value .01 per share, 10,000,000 shares authorized, no shares issued and outstanding
redemption of preferred stock
preferred stock, par value .01 per share, 10,000,000 shares authorized, no
shares issued and outstanding
6,480,164 and 6,463,789 shares issued and outstanding at march 31, 2017
and december 31, 2016, respectively																																					65,000
6,382,666 and 6,289,038 shares issued and outstanding at september 30,
2016 and december 31, 2015, respectively																																						64,000
6,355,412 and 6,289,038 shares issued and outstanding at june 30, 2016
and december 31, 2015, respectively																																							64,000	63,000
loans held for sale																																								14,241,000		10,887,000	12,402,000
6,343,988 and 6,289,038 shares issued and outstanding at march 31, 2016
intangible assets
discount accretion
6,243,132 and 6,219,002 shares issued and outstanding at september 30,
2015 and december 31, 2014, respectively																																										62,000
6,236,144 and 6,219,002 shares issued and outstanding at june 30, 2015
and december 31, 2014, respectively																																											62,000
liabilities and shareholders’ equity
shareholders’ equity:
preferred stock, par value .01 per share, 10,000,000 shares authorized, 11,242 and 15,299 shares issued and outstanding at september 30, 2014 and december 31, 2013, respectively																																													11,242,000
net interest income (tax equivalent) / margin																																														8,156,000
preferred stock, par value .01 per share, 10,000,000 shares authorized, 11,242 and 15,299 shares issued and outstanding at march 31, 2014 and december 31, 2013, respectively																																															11,242,000
junior subordinated debt																																																13,403,000								13,403,000
net interest income( tax equivalent)/margin																																																29,403,000								23,549,000
liabilities and shareholders' equity
federal funds purchased																																																	3,555,000
shareholders' equity:
total shareholders' equity																																																	64,776,000	63,562,000	64,426,000		63,287,000	63,171,000	63,006,000		61,868,000	60,755,000	59,796,000		60,106,000	59,919,000
total liabilities and shareholders' equity																																																	849,890,000	839,007,000	821,705,000		780,415,000	759,632,000	770,006,000		758,106,000	758,102,000	760,139,000	742,540,000	743,888,000	741,391,000											402,141,000
cash and cash equivalents																																																				82,000
investment in subsidiaries																																																				77,285,000
accounts payable and accrued expenses																																																				17,000														1,187,000	2,054,000	763,000	1,356,552	995,916	547,170			3,811,652	750,391	895,510	317,288
other borrowings																																																				1,400,000																				22,856,000	28,465,000
federal funds sold and securities purchased under agreements to resell																																																					11,075,000	5,940,000	19,580,000		18,265,000	32,335,000
other investments, at cost																																																					7,794,000	7,824,000	7,924,000		8,028,000	8,875,000	9,070,000		9,318,000	9,203,000	9,556,000		9,088,000	9,195,000	8,461,000	8,461,000	8,292,500	8,292,500	7,617,500			5,475,400	5,348,400	3,886,150	3,071,150
federal home loan bank advances and repurchase agreements																																																						122,700,000	122,700,000		122,700,000	122,700,000	122,700,000
preferred stock, par value .01 per share, 10,000,000 shares authorized, 17,299 shares issued and outstanding																																																							16,669,000		16,524,000	14,741,000	14,846,000		15,076,000	15,192,000			15,559,000
fhlb advances and repurchase agreements																																																								122,704,000
earning assets:
interest-bearing liabilities:
note payable and other debt																																																												131,961,000				156,313,000
shareholders' equity																																																												60,607,000				56,505,000								32,653,000	31,260,000
investment securities held to maturity																																																													104,000	120,000	8,648,000		9,795,000	11,484,000
federal home loan bank advances and related debt																																																													122,700,000	122,700,000	142,700,000		149,675,000	149,675,000	149,675,000	161,700,000
note payable																																																														4,000,000	4,250,000		4,750,000	5,000,000	15,000,000										2,000,000
preferred stock, par value .01 per share, 10,000,000 shares authorized,
total liabilities and
short-term repurchase agreements																																																																	5,000,000
other liabiliites																																																																	4,793,000
other real estate owned																																																																		3,826,000	2,116,000	2,061,000	363,733	523,733	731,712					305,485
official checks outstanding																																																																		853,000	1,277,000	3,159,000	1,257,952	2,194,722	2,572,243			7,786,468	1,969,881	2,045,465	2,247,352
accrued interest payable																																																																		2,116,000	2,247,000	2,064,000	2,597,877	3,045,408	3,069,219			1,510,635	1,304,510	679,283	632,660
investment securities held to maturity-																																																																												13,696,642	15,045,743
commitments and contingencies – note 11
preferred stock, par value .01 per share, 10,000,000 shares
authorized, 10,000,000 shares, issued and outstanding 3,044,863 and
10,000,000 shares authorized, 3,016,118 and 2,946,456 issued and
loans, net of allowance for loan losses																																																																					478,250,361	456,285,905
repurchase agreements																																																																					10,000,000
federal home loan bank advances																																																																					133,500,000	133,500,000	118,500,000			79,500,000	81,500,000	60,610,000	48,000,000
commitments and contingencies
10,000,000 shares authorized, 2,946,456 and 2,933,868 shares issued and
non-vested restricted stock																																																																					-43,936	-47,316
accumulated other comprehensive gain																																																																						-698,479	71,295
property held for sale																																																																							2,410,373
10,000,000 shares authorized, 2,933,868 issued and outstanding
capital ratios:
average equity to average assets																																																																								7,150
growth ratios and other data:
percentage change in net income																																																																								55,150
percentage change in diluted net income per share																																																																								53,850
percentage change in assets																																																																								25,670
percentage change in loans																																																																								18,920
percentage change in deposits																																																																								35,950
percentage change in equity																																																																								13,490
reconciliation of gaap to non-gaap measures:
net income, as reported																																																																								3,901,000
non-operating items:
impariment on long lived assets, net of income tax
net operating income (net income, excluding
non-operating items)																																																																								3,901,000
noninterest expense, as reported																																																																								7,351,000
impairment on long lived assets
operating noninterest expense (noninterest expense,
excluding non-operating items)																																																																								7,351,000
investment securities																																																																								55,555,000
savings & money
market																																																																								80,687,000
total interest-bearing
fhlb advances																																																																								91,525,000	75,594,000
noninterest-bearing
net interest income/
margin
earnings
fed funds sold																																																																									3,888,000
total earning-assets																																																																									391,396,000
non-earning assets																																																																									10,745,000
non-interest bearing liabilities																																																																									26,007,000
net interest income / margin																																																																									3,360,000
annualized for the three month period.
federal funds purchased and repurchase agreements																																																																										14,680,000	16,232,000	13,805,000	14,631,999
commitments and contingencies - note 13
authorized, 10,000,000 shares, issued and outstanding 2,659,719 and
additional paid-capital																																																																										25,626,740
accumulated other comprehensive income (loss																																																																										-150,602
authorized, 10,000,000 shares, issued and outstanding 2,659,725 and
accrued interest																																																																												996,672	807,144
preferred stock, par value .01 per share, 10,000,000 shares authorized, no shares issued
authorized, 10,000,000 shares; issued 2,527,994 and 1,724,994 at september 30, 2004 and december 31, 2003, respectively																																																																												25,280
trust preferred note																																																																													6,186,000

Cashflow Statements:

Quarterly

Annual

Unit: USD	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	2014-12-31	2014-09-30	2014-06-30	2014-03-31	2013-12-31	2013-09-30	2013-06-30	2013-03-31	2012-12-31	2012-09-30	2012-06-30	2012-03-31	2011-06-30	2011-03-31	2010-12-31	2010-09-30	2010-06-30	2010-03-31	2009-12-31	2009-03-31	2008-12-31	2007-09-30	2007-06-30	2007-03-31	2006-12-31	2004-03-31

operating activities
net income	9,857,000	8,662,000	6,581,000	5,266,000	5,627,000	4,382,000	2,999,000	2,522,000	4,167,000	4,098,000	2,458,000	2,703,000	5,492,000	8,413,000	7,240,000	7,970,000	12,005,000	14,017,000	10,323,000	10,366,000	8,601,000	2,217,000	4,678,000	2,832,000	7,197,000	7,412,000	7,240,000	6,009,000	5,783,000	5,782,000	5,510,000	5,214,000	2,080,000	4,249,000	3,604,000	3,112,000	3,291,000	3,433,000	3,306,000	3,006,000	2,852,000	2,727,000	2,560,000	2,028,000	1,982,000	1,827,000	1,566,000	1,250,000	1,439,000	1,419,000	1,301,000	961,000	1,133,000	1,226,000	815,000	688,000	628,000	537,000	440,000	337,000	95,000	18,000	152,000	487,000	370,000	956,562	751,134	958,056	1,491,667	387,950
adjustments to reconcile net income to cash from operating activities:
provision for credit losses	650,000	850,000	700,000	750,000	-200,000	0				-500,000	910,000	1,825,000
depreciation and other amortization	988,000	1,022,000	1,128,000	1,169,000	1,187,000	1,205,000	1,204,000	1,214,000	1,205,000	1,214,000	1,194,000	1,203,000	1,177,000	1,180,000	758,000	583,000	698,000	529,000	541,000	551,000	621,000	510,000	510,000	549,000	498,000	477,000	460,000	453,000	452,000	453,000	449,000	401,000	407,000	384,000	360,000	309,000	312,000	306,000	318,000	315,000	320,000	302,000	389,000	299,000	306,000	310,000	297,000	294,000	308,000	301,000	305,000	291,000	247,000	238,000	261,000	233,000	218,000	216,000	194,000	217,000										33,902
accretion and amortization of securities discounts and premiums																																																																						20,506
loss on sale of investment securities available for sale																										-2,000				0	0	1,000
gain on sale of fixed assets																	0	0	0	-10,000												-8,000
net change in operating leases	18,000	21,000	24,000	24,000	31,000	36,000	39,000	39,000	45,000	55,000	80,000	53,000	58,000	642,000	64,000	108,000	339,000	101,000	44,000	121,000	23,000	45,000	57,000	55,000	51,000	42,000
compensation expense related to stock options and restricted stock grants					584,000	582,000	562,000	555,000	468,000	519,000	473,000	483,000	525,000	514,000	495,000	492,000	443,000	426,000	382,000	396,000	361,000	317,000	385,000	334,000	438,000	435,000	424,000	401,000				337,000
gain on sale of loans held for sale	-1,786,000			-1,269,000	-1,093,000	-1,597,000	-1,743,000	-1,014,000	-997,000	-1,157,000	-1,106,000	-530,000	-214,000	-1,254,000	-547,000	-899,000	-2,489,000	-3,034,000	-3,340,000	-4,813,000	-6,809,000	-6,346,000	-5,253,000	-2,778,000	-2,763,000	-3,045,000			-1,051,000	-1,473,000	-1,679,000	-941,000		-1,666,000	-1,853,000	-1,001,000	-849,000	-2,280,000	-1,977,000	-1,447,000			-1,321,000	-1,163,000	-999,000
loans originated and held for sale	-62,573,000			-46,715,000	-40,161,000	-47,861,000	-64,360,000	-36,524,000	-34,110,000	-42,508,000	-52,530,000	-17,892,000	25,750,000	-45,935,000	-69,784,000	-75,729,000	-79,694,000	-102,562,000	-130,509,000	-173,380,000	-182,220,000	-157,577,000	-159,069,000	-95,423,000	-104,614,000	-121,233,000			-43,157,000	-52,079,000	-59,999,000	-49,194,000		-50,463,000	-57,589,000	-36,570,000	-52,796,000	-76,106,000	-70,461,000	-52,034,000			-55,644,000	-51,110,000	-38,138,000
proceeds from sale of loans held for sale	59,696,000	57,703,000	58,330,000	41,025,000	45,291,000	55,615,000	63,186,000	32,890,000	35,030,000	52,329,000	44,834,000	15,360,000	-20,210,000	56,276,000	69,841,000	72,344,000	100,268,000	110,382,000	154,495,000	181,377,000	192,595,000	144,269,000	155,101,000	90,299,000	120,961,000	108,157,000	87,127,000	56,801,000	44,265,000	52,329,000	64,488,000	51,040,000	46,291,000	54,485,000	55,414,000	37,920,000	54,970,000	83,627,000	72,312,000	44,183,000	46,581,000	58,445,000	59,407,000	49,194,000	36,744,000
increase in cash surrender value of bank owned life insurance	-451,000			-403,000	-407,000	-400,000	-385,000	-377,000	-361,000	-348,000	-339,000	-331,000	-344,000	-315,000	-315,000	-315,000	-312,000	-321,000	-331,000	-267,000	-281,000	-270,000	-270,000	-270,000	-281,000	-282,000			-216,000	-221,000	-221,000	-220,000		-224,000	-183,000	-183,000	-183,000	-187,000	-180,000	-186,000			-166,000	-166,000	-169,000	-169,000	-167,000	-162,000
increase in deferred tax asset																	8,325,000				-196,000	-2,510,000				-1,983,000				-1,861,000													-105,000	-102,000	-468,000	-98,000
decrease in other assets	-879,000	305,000	170,000	2,280,000					6,514,000	-3,816,000			-5,052,000			-444,000	-572,000	109,000	2,213,000	376,000											-101,000	365,000			22,000	87,000				62,000		-124,000	154,000	11,000		-82,000	107,000	-17,000
increase (decrease) in other liabilities
net cash from operating activities	-2,086,000	14,486,000	10,475,000	7,582,000	-1,807,000	26,330,000	3,959,000	-2,924,000	6,860,000	16,142,000	-6,586,000	1,237,000	13,467,000	22,465,000	6,506,000	7,867,000	28,265,000	15,963,000	23,272,000	10,569,000	23,878,000	-5,339,000	5,638,000	-3,558,000	19,378,000	-1,035,000	-12,965,000	12,904,000	7,359,000	5,724,000	12,189,000	6,431,000	2,890,000	8,592,000	-1,335,000	7,046,000	6,636,000	8,795,000	6,069,000	-4,411,000	7,588,000	6,885,000	6,339,000	-706,000	1,703,000	-1,508,000	2,618,000	1,921,000	2,496,000	3,705,000	1,075,000	2,864,000	4,001,000	2,020,000	4,943,000	911,000	3,347,000	1,320,000	3,670,000	2,784,000										499,363
capital expenditures	-272,000	0	0	-141,000	-218,000	-195,000	-92,000	-280,000	-122,000	-353,000	-587,000	-180,000	-816,000	-4,145,000	-3,120,000	-5,869,000	-9,889,000	-5,515,000	-8,496,000	-2,609,000	-3,580,000	-1,055,000	-1,522,000	-1,119,000	-773,000	-5,554,000	0	0	-204,000	-411,000	-830,000	-498,000	0	-247,000	-2,106,000	-1,937,000	-1,349,000	-1,595,000	-1,630,000	-854,000	0	0	-2,375,000	-172,000	-114,000	-655,000	-873,000	-583,000	0	0	0	0	0	0	0	0	0	0	0	0										0
free cash flows	-2,358,000	14,486,000	10,475,000	7,441,000	-2,025,000	26,135,000	3,867,000	-3,204,000	6,738,000	15,789,000	-7,173,000	1,057,000	12,651,000	18,320,000	3,386,000	1,998,000	18,376,000	10,448,000	14,776,000	7,960,000	20,298,000	-6,394,000	4,116,000	-4,677,000	18,605,000	-6,589,000	-12,965,000	12,904,000	7,155,000	5,313,000	11,359,000	5,933,000	2,890,000	8,345,000	-3,441,000	5,109,000	5,287,000	7,200,000	4,439,000	-5,265,000	7,588,000	6,885,000	3,964,000	-878,000	1,589,000	-2,163,000	1,745,000	1,338,000	2,496,000	3,705,000	1,075,000	2,864,000	4,001,000	2,020,000	4,943,000	911,000	3,347,000	1,320,000	3,670,000	2,784,000										499,363
investing activities
increase in cash realized from:
increase in loans	-56,172,000			-52,404,000	-12,213,000	2,974,000	20,211,000	-41,380,000	-48,804,000	-15,890,000	-120,096,000	-144,641,000	-243,314,000	-183,222,000	-184,807,000	-170,787,000	-102,297,000	-134,749,000	-70,507,000	-41,165,000	-64,697,000	-44,419,000	-7,600,000	-86,916,000	-105,354,000	-30,018,000
purchase of property and equipment	-272,000			-141,000	-218,000	-195,000	-92,000	-280,000	-122,000	-353,000	-587,000	-180,000	-816,000	-4,145,000	-3,120,000	-5,869,000	-9,889,000	-5,515,000	-8,496,000	-2,609,000	-3,580,000	-1,055,000	-1,522,000	-1,119,000	-773,000	-5,554,000			-204,000	-411,000	-830,000	-498,000		-247,000	-2,106,000	-1,937,000	-1,349,000	-1,595,000	-1,630,000	-854,000			-2,375,000	-172,000	-114,000	-655,000	-873,000	-583,000
purchase of investment securities:
available for sale	-29,237,000	-8,617,000	2,819,000	2,578,000	-3,424,000	-15,322,000	0	-5,191,000	-5,020,000	-60,631,000	1,175,000	1,252,000	-2,954,000	0	0	-10,094,000	-11,485,000	-27,570,000	-4,972,000	-5,366,000	-14,245,000	-25,236,000	-5,071,000	-6,302,000	-14,547,000	-20,268,000	-7,320,000	2,205,000	-9,278,000	1,000	-16,125,000	2,221,000	30,319,000	0	-22,426,000	1,751,000	-1,124,000	0	-20,055,000	3,203,000	8,265,000	12,798,000	-10,362,000	1,010,000	0	0	-781,000	-1,292,000	-10,852,000	2,163,000	2,823,000	2,606,000	-10,065,000	2,640,000	2,689,000	4,373,000	2,375,000	3,565,000	5,435,000	5,723,000										207,567
other investments	3,000			-437,000	0	0	1,000	-4,302,000	-1,693,000	-7,431,000	-24,254,000	-18,264,000	-12,516,000	-4,157,000	-8,813,000	-2,265,000	-1,250,000	-2,865,000	3,000	1,862,000	-7,972,000	20,000	4,007,000	1,607,000	-5,489,000	4,000	-2,000	812,000																									0	29,000					0	127,000										450,000
proceeds from maturities, calls and repayments of investment securities:
proceeds from sales of investment securities available for sale
proceeds from sale of fixed assets													0	0			0	0	0	50,000
net cash from investing activities	-52,509,000			-50,404,000	-12,949,000	-8,061,000	24,371,000	-32,221,000	-34,896,000	-78,885,000	-121,961,000	-142,833,000	-250,722,000	-185,330,000	-185,744,000	-170,787,000	-120,713,000	-163,528,000	-77,904,000	-48,482,000	-73,179,000	-62,593,000	-6,537,000	-88,461,000	-88,370,000	-49,554,000			-64,720,000	-86,659,000	-86,816,000	-63,513,000		-31,496,000	-100,284,000	-55,101,000	-48,634,000	-34,520,000	-35,290,000	-21,475,000			-60,909,000	-30,312,000	-37,147,000	-19,224,000									-6,623,000	18,808,000
financing activities
increase in deposits	40,386,000	40,088,000	15,443,000	185,121,000	-83,060,000	58,956,000	-812,000	81,117,000	31,793,000	-85,247,000	6,244,000	292,910,000	132,412,000	131,294,000	161,984,000	144,348,000	130,808,000	122,126,000	52,141,000	115,993,000	-38,298,000	-7,587,000	162,945,000	149,574,000	-23,171,000	45,287,000	95,773,000	110,099,000	58,653,000	21,501,000	47,459,000	139,400,000	38,546,000	44,666,000	86,637,000	120,123,000	46,076,000	-4,049,000	45,883,000	17,508,000	41,815,000	49,394,000	44,214,000	61,403,000	16,147,000	25,391,000	24,957,000	42,093,000	73,267,000	-25,020,000	19,678,000	36,095,000	1,860,000			3,810,000	-3,605,000	23,758,000	-6,446,000	6,411,000				5,260,000		30,780,449	353,167	38,426,035	59,336,245	4,272,359
increase in federal home loan bank advances and other borrowings					0	0			0	95,000,000			115,000,000	10,000,000																		-38,600,000				2,500,000
decrease in subordinated debentures					0
proceeds from the exercise of stock options	945,000	581,000	306,000	210,000	104,000	23,000	0	167,000	21,000	312,000	168,000	17,000	111,000	87,000	128,000	579,000	316,000	175,000	943,000	1,578,000	425,000	1,000																																												0
restricted shares withheld for taxes	-56,000			-315,000
net cash from financing activities	41,275,000	40,590,000	15,714,000	185,016,000	-82,956,000	47,479,000	-812,000	46,284,000	31,814,000	10,065,000	61,412,000	242,927,000	247,523,000	141,381,000	212,112,000	144,927,000	131,124,000	122,301,000	53,084,000	92,571,000	-12,927,000	-7,559,000	98,193,000	105,315,000	62,285,000	68,328,000	96,210,000	85,421,000	40,243,000	61,573,000	47,869,000	101,028,000	66,797,000	10,704,000	67,199,000	122,735,000	46,640,000	-3,884,000	45,967,000	17,793,000	42,254,000	49,466,000	44,256,000	41,478,000	18,677,000	37,638,000	27,772,000	44,024,000	39,565,000	8,375,000	18,983,000	22,338,000	14,887,000			3,649,000	-3,821,000	23,618,000	-6,662,000	2,195,000										27,107,359
net increase in cash and cash equivalents	-13,320,000	11,871,000	-34,025,000	142,194,000	-97,712,000	65,748,000	27,518,000	11,139,000			-67,135,000	101,331,000			32,874,000	-17,993,000	38,676,000	-25,264,000	-1,548,000	54,658,000	-62,228,000	-75,491,000	97,294,000	13,296,000	-6,707,000	17,739,000	-522,000	44,433,000	-17,118,000	-19,362,000	-26,758,000	43,946,000	17,553,000	-12,200,000	-34,420,000	74,680,000	4,642,000	-29,609,000	16,746,000	-8,093,000	12,529,000	8,927,000	-10,314,000	10,460,000	-16,767,000	16,906,000	-1,374,000	3,296,000			-551,000	6,777,000	-6,489,000	4,634,000	-15,105,000	23,368,000		21,696,000	20,944,000	5,238,000										981,891
cash and cash equivalents, beginning of year
cash and cash equivalents, end of year
supplemental information
cash paid for
interest	27,317,000	26,591,000	26,322,000	26,623,000	32,219,000	29,832,000	29,680,000	27,617,000	28,961,000	25,778,000	21,811,000	16,801,000	9,722,000	5,410,000	1,956,000	1,789,000	998,000	1,561,000	1,076,000	2,767,000	2,281,000	3,023,000	3,905,000	7,103,000	6,404,000	6,689,000	6,493,000	5,570,000	4,586,000	4,060,000	3,574,000	3,190,000	2,583,000	2,513,000	2,552,000	2,339,000	2,360,000	1,939,000	2,245,000	1,767,000	1,842,000	1,817,000	1,799,000	1,835,000	1,961,000	1,626,000	1,383,000	1,937,000	1,622,000	1,890,000	1,888,000	2,171,000	1,756,000	1,964,000	2,135,000	2,814,000	2,843,000	3,317,000												973,947
income taxes	3,385,000	2,601,000			1,532,000	1,045,000			928,000	45,000			3,558,000	2,320,000			3,295,000	3,015,000			197,000				2,576,000	1,984,000			1,545,000	1,946,000			2,900,000	2,080,000			1,750,000	2,250,000	1,330,000	1,350,000	2,075,000	1,845,000	1,505,000	1,200,000	1,395,000	933,000	1,060,000	1,147,000	1,016,000	710,000	815,000	335,000	945,000	520,000	385,000	279,000	185,000	525,000												580,040
schedule of non-cash transactions
unrealized gain on securities, net of income taxes	565,000	1,183,000	407,000	1,456,000	-2,409,000	2,803,000	-69,000	-455,000	3,913,000	-2,545,000	-935,000	1,635,000					-492,000	-648,000	490,000	-1,113,000		60,000	395,000	708,000		237,000	572,000	538,000		-258,000	-183,000	-726,000		89,000	481,000	-157,000		-147,000	1,892,000	-721,000		399,000				-17,000								353,000			480,000	115,000												-14,640
right-of-use assets obtained in exchange for lease obligations:
operating leases									-2,000				358,000				5,418,000				0	0			4,169,000	1,895,000	0	15,395,000
foreclosure of other real estate	0	0	0	275,000													0	1,000
accretion and amortization of securities discounts and premium		115,000	120,000	101,000		156,000	150,000	131,000		-117,000	130,000	129,000		155,000	189,000	210,000		195,000	286,000	232,000		224,000	157,000	116,000		111,000	99,000	83,000		121,000	104,000	116,000		155,000	135,000	132,000		165,000	148,000	120,000		89,000	75,000	73,000		91,000	100,000	100,000		158,000	185,000	195,000		180,000	192,000	304,000	188,000	274,000		379,000
stock-based compensation expense		539,000	605,000	537,000
increase in other liabilities		-422,000	775,000	4,816,000	-7,570,000	9,865,000	2,038,000	1,505,000	-3,881,000	6,418,000	899,000	-1,258,000	-1,924,000	4,606,000	-1,060,000	2,460,000	-6,771,000				5,678,000	2,539,000	4,662,000	-3,782,000	-7,035,000	7,622,000	-2,491,000	5,978,000	-4,218,000	2,434,000	4,909,000	-1,179,000	-1,842,000	3,079,000	-19,000	713,000				461,000					1,165,000			-150,000	340,000			501,000																		497,183
payments and maturities, calls and repayments of investment securities:
decrease in federal home loan bank advances and other borrowings								-35,000,000				-50,000,000						0	0	-25,000,000		27,000	-64,973,000	-45,000,000		0								-34,000,000									0	-20,000,000
cash and cash equivalents at beginning of the period		0	0	162,863,000		0	0	156,170,000		0	0	170,874,000		0	0	167,209,000		0	0	100,687,000		0	0	127,816,000		0	0	72,873,000		0	0	92,165,000		0	0	46,552,000		0	0	62,866,000		0	0	41,264,000		0	0	39,203,000		0	0	29,413,000		0	0	23,005,000	0	53,850,000		0	0	12,082,000		13,160,000		0	0	16,579,133	20,265,816
cash and cash equivalents at end of the period		11,871,000	-34,025,000	305,057,000		65,748,000	27,518,000	167,309,000		-52,678,000	-67,135,000	272,205,000		-21,484,000	32,874,000	149,216,000		-25,264,000	-1,548,000	155,345,000		-75,491,000	97,294,000	141,112,000		17,739,000	-522,000	117,306,000		-19,362,000	-26,758,000	136,111,000		-12,200,000	-34,420,000	121,232,000		-29,609,000	16,746,000	54,773,000		8,927,000	-10,314,000	51,724,000		16,906,000	-1,374,000	42,499,000		-11,923,000	-551,000	36,190,000		4,634,000	-15,105,000	46,373,000	-23,505,000	75,546,000		5,238,000	8,618,000	19,050,000		12,535,000		10,056,959	-9,232,454	26,643,069	4,105,372
decrease in deferred tax asset			0	1,000															-15,342,000	1,000								1,000				-1,000	5,376,000	-2,080,000	-2,106,000	1,714,000				369,000								-554,000
adjustments to reconcile net income to cash provided by operating activities:
loss on sale of fixed assets													0	0
increase in other assets							-231,000	-3,690,000				-508,000										-370,000	-5,485,000	-1,490,000
provision for (reversal of) credit losses								-175,000					2,325,000	950,000	1,775,000	1,105,000
loss on sale of other real estate owned
proceeds from maturities of investment securities available for sale
purchase of bank owned life insurance policies
proceeds from sale of other real estate owned																	0	371,000	0	788,000
gain on sale of securities														0	3,000	-15,000
net decrease in cash and cash equivalents
supplemental information nonvested restricted stock
write-down of real estate owned																					516,000													0				0	264,000	125,000		50,000	0	737,000														236,000	559,000	0
proceeds from sale of investment securities available for sale																														0	0	5,841,000						11,583,000	-1,000	10,603,000		291,000	4,300,000	5,771,000
increase (decrease) in cash realized from:
loss on sale of real estate owned																		-4,000	0	380,000														15,000																								276,000
purchase of bank owned life insurance																		0	0	-7,500,000
unrealized loss on securities, net of income taxes														-1,357,000	-6,249,000	-5,653,000																												-236,000				769,000
decrease in accrued interest receivable																-3,000
provision for (reversal of) loan losses																	-4,200,000
increase of subordinated debt
provision for loan losses																			-1,900,000	-300,000	2,300,000	11,100,000	10,200,000	6,000,000	1,050,000	650,000	300,000	300,000	600,000	400,000	400,000	500,000	500,000	500,000	500,000	500,000	275,000	825,000	575,000	625,000	700,000	875,000	1,000,000	625,000	900,000	1,325,000	950,000	1,000,000	825,000	775,000	750,000	1,125,000	950,000	1,125,000	1,275,000	1,200,000	650,000	725,000	635,000	1,275,000										350,000
decrease in other liabilities																			6,410,000	-4,461,000																						1,780,000	-165,000	-992,000
other																						0								-4,186,000	-1,000	-2,595,000		0	-425,000	-1,386,000		-637,000	-1,000	-168,000		1,289,000	-25,000	-124,000		-1,057,000	1,000	156,000		0	1,485,000	868,000
gain on sale of investment securities available for sale																																		0			0	-106,000
purchase of life insurance policies																									0	0
real estate acquired in settlement of loans																																		125,000				0	0	245,000		0				2,433,000				312,000	0	1,001,000		160,000	164,000	1,056,000
proceeds from the exercise of stock options and warrants																								741,000		557,000	437,000	322,000		172,000	410,000	228,000		38,000	304,000	112,000		165,000	84,000	285,000	439,000	72,000	42,000	75,000	69,000	0	68,000	219,000	46,000	31,000	5,000	116,000	39,000	0	0	57,000	0	77,000	0	0
issuance of common stock																																													18,426,000	0	0	5,950,000
proceeds from sale of real estate owned																														0				118,000				75,000	60,000	260,000		172,000	26,000	74,000		128,000	25,000	50,000		36,000	1,230,000	202,000		471,000	1,185,000	753,000	454,000	1,243,000
increase in subordinated debt
operating lease payments																												447,000
write-down of other real estate owned
proceeds from sale of investment securities:
loss on disposal of fixed assets																																		0
compensation expense related to stock options and grants																														391,000				339,000	337,000	313,000		238,000	280,000	246,000		186,000	191,000	193,000		149,000	160,000	160,000		121,000	119,000	119,000		88,000	80,000	81,000	67,000	68,000		63,000
origination of loans																														-87,114,000	-74,217,000	-72,483,000		-28,400,000	-81,626,000	-55,134,000		-49,267,000	-26,790,000	-34,519,000			-54,832,000	-38,011,000		-19,866,000	-41,939,000	-42,031,000
proceeds from issuance of common stock																																		0
gain on sale of real estate owned																																											0	-74,000
(gain) loss on sale of other real estate owned
(increase) decrease in deferred tax asset																																					-196,000	-411,000
decrease in note payable
increase (decrease) in federal home loan bank advances and other borrowings
cash dividend on preferred stock																																													-323,000	-253,000	-253,000	-181,000
redemption of preferred stock																																													-11,242,000	0	0	-4,057,000
(gain) loss on sale of real estate owned																																						0	0	51,000
(increase) decrease in other assets																																						-174,000
(gain) loss on sale of investment securities available for sale																																								-307,000
cash in lieu of fractional shares
gain loss on sale of investment securities available for sale
payments and maturity of investment securities:
increase in other borrowings																																														12,500,000																								2,000,000
gain on sale of investment secruities available for sale																																												-259,000
payment and maturity of investment securities:
increase in note payable
redemption of cpp warrant
foreclosure of real estate
gain on sale of investment securities																																														0
loss on sale and write-down of real estate owned																																																						268,000	157,000	256,000
proceeds from sale of investment securities																																														550,000				0				15,413,000	1,988,000	27,742,000				5,008,000
decrease in short-term borrowings
gain on sale and write-down of real estate owned
net cash from used for investing activities																																																-42,649,000
gain on sale of real estate held for investment
gain on sale of investment securities:
other-than-temporary impairment on investment securities
loss on sale of property and equipment
proceeds from sale of property held for investment
increase in fhlb advances and other borrowings
held to maturity																																																											14,000	15,000										362,903
proceeds from sale of property and equipment																																																											0	0
other than temporary impairment on investments
other than temporary impairment on investment securities
increase in federal home loan bank advances and related debt
proceeds from the issuance of preferred stock																																																																15,856,000
proceeds from the issuance of stock warrant																																																																1,418,000
adjustments to reconcile net income to cash
provided by operating activities:
gain on sale of property and equipment
proceeds from sale of real estate acquired in settlement of loans																																																											360,000	307,000
loss on sale of real estate
other than temporary impairment on investment
increase in short-term repurchase agreements
from operating activities:
adjustments to reconcile net income to cash from
(used for) operating activities:
gain on sale of property held for sale
proceeds from sale of property held for sale
transfer of property and equipment to property held for sale
increase in short-term borrowings																																																																						5,335,000
increase in federal home loan bank advances																																																																		0	15,000,000	10,000,000	8,160,000	15,500,000
increase in federal funds purchased and repurchase agreements
proceeds from the issuances of common stock
proceeds from the exercise of stock warrants
net cash provided by operating activities
net cash used for investing activities
increase (decrease) in short-term borrowings
increase (decrease) in other borrowings
proceeds from junior subordinate debentures
proceeds from issuances of common stock
proceeds from exercise of stock warrants
net cash provided by financing activities
cash and cash equivalents at beginning of the year																																																																						6,947,291
cash and cash equivalents at end of the year																																																																						7,929,182

Southern First Bancshares, Inc(NASDAQ:SFST)

Southern First Bancshares, Inc
(NASDAQ:SFST)