Shore Bancshares, Inc
(NASDAQ:SHBI)

Shore Bancshares, Inc. operates as a bank holding company for the Shore United Bank that provides various commercial and consumer banking products and services to individuals, businesses, and other organizations. It offers checking, savings, overnight investment sweep, and money market accounts; and...

Website: http://www.shoreunitedbank.com/shore-bancshares--inc-

Founded: 1876

Full Time Employees: 294

Sector: Financial Services

Industry: Banks-Regional

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At a glance:

Bull Thesis:

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Income Statements:

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	2018-12-31	2018-09-30	2017-12-31	2015-12-31	2014-12-31	2012-09-30	2012-06-30	2011-12-31	2011-09-30	2011-06-30	2010-12-31	2009-12-31	2008-12-31

interest income
interest on loans	70,814,000
interest and dividends on taxable investment securities	5,114,000	5,010,000	5,036,000	5,331,000	5,001,000	4,833,000	4,962,000	5,230,000	4,419,000	3,992,000	5,047,000	3,729,000	4,064,000	3,945,000	3,186,000	2,392,000	1,985,000
interest and dividends on tax-exempt investment securities	6,000	6,000	6,000	6,000	6,000	6,000	6,000	6,000	6,000	5,000	27,000	5,000	7,000
interest on deposits with other banks	2,458,000	2,810,000	1,215,000	1,588,000	3,409,000	4,137,000	564,000	578,000	960,000	1,224,000	1,213,000	170,000	163,000	664,000	1,466,000	826,000	254,000	169,000	97,000	55,000	47,000	44,000	33,000	11,000	103,000	84,000			-9,000	79,000	61,000	46,000	29,000	12,000
total interest income	78,392,000	80,157,000	77,187,000	76,620,000	76,063,000	76,404,000	74,689,000	73,106,000	71,139,000	71,136,000	71,248,000	36,633,000	35,062,000	32,279,000	30,576,000	26,670,000	24,324,000	22,396,000	16,899,000	15,531,000	15,344,000	15,495,000	14,902,000	14,594,000	14,894,000	14,236,000			3,348,000	11,393,000	11,692,000	12,531,000	12,868,000	12,735,000
interest expense
interest on deposits	24,264,000	27,289,000	26,474,000	27,369,000	28,070,000	30,363,000	28,856,000	27,585,000	28,497,000	28,132,000	23,473,000	9,914,000	7,281,000	4,554,000	2,561,000	1,511,000	1,358,000	1,272,000	949,000	1,056,000	1,184,000	1,355,000	1,470,000	1,556,000	1,577,000	826,000			-3,702,000	2,647,000	2,643,000	2,673,000	2,720,000	2,769,000
interest on short-term borrowings		246,000	640,000	605,000			491,000	1,584,000	56,000	17,000	692,000	3,449,000	1,361,000	72,000			2,000	3,000	2,000	2,000	1,000	1,000	1,000	1,000	486,000	463,000			-18,000	10,000	11,000	15,000	15,000	13,000
interest on long-term borrowings	1,573,000	2,181,000	1,418,000	1,394,000	1,964,000	2,030,000	2,079,000	1,797,000	1,451,000	1,462,000	1,461,000	776,000	756,000	710,000	700,000	541,000	534,000	482,000	359,000	370,000	359,000	374,000	148,000	6,000
total interest expense	25,837,000	29,716,000	28,532,000	29,368,000	30,034,000	32,393,000	31,426,000	30,966,000	30,004,000	29,611,000	25,626,000	14,139,000	9,398,000	5,336,000	3,261,000	2,052,000	1,894,000	1,757,000	1,310,000	1,428,000	1,544,000	1,730,000	1,619,000	1,563,000	2,168,000	1,289,000			-3,736,000	2,663,000	2,659,000	2,694,000	2,745,000	2,793,000
net interest income	52,555,000	50,441,000	48,655,000	47,252,000	46,029,000	44,011,000	43,263,000	42,140,000	41,135,000	41,525,000	45,622,000	22,494,000	25,664,000	26,943,000	27,315,000	24,618,000	22,430,000	20,639,000	15,589,000	14,103,000	13,800,000	13,765,000	13,283,000	13,031,000	12,726,000	12,947,000			7,084,000	8,730,000	9,033,000	9,837,000	10,123,000	9,942,000
provision for credit losses	85,000	2,827,000	2,992,000	1,528,000	1,028,000	780,000	1,470,000	2,081,000	407,000	897,000	28,176,000	667,000	1,213,000	450,000	675,000	200,000	600,000	-1,723,000	290,000		425,000	1,050,000	1,500,000	1,000,000					-14,745,000	6,200,000	3,525,000	4,035,000	3,650,000	5,395,000
net interest income after provision for credit losses	52,470,000	47,614,000	45,663,000	45,724,000	45,001,000	43,231,000	41,793,000	40,059,000	40,728,000	40,628,000	17,446,000	21,827,000	24,451,000	26,493,000	26,640,000	24,418,000	21,830,000	22,362,000	15,299,000		13,375,000	12,715,000	11,783,000	12,031,000					21,829,000	2,530,000	5,508,000	5,802,000	6,473,000	4,547,000
noninterest income
service charges on deposit accounts	1,596,000	1,663,000	1,599,000	1,519,000	1,514,000	1,606,000	1,543,000	1,493,000	1,507,000	1,520,000	1,505,000	1,264,000	1,213,000	1,346,000	1,509,000	1,438,000	1,359,000	1,234,000	805,000	683,000	674,000	782,000	647,000	544,000	1,045,000	982,000			509,000	628,000	622,000	700,000	697,000	744,000
trust and investment fee income	1,137,000	1,042,000	898,000	942,000	823,000	857,000	880,000	896,000	734,000	844,000	1,933,000	399,000	432,000	401,000	421,000	447,000	514,000	522,000	477,000	475,000	407,000	439,000	381,000	363,000	360,000	383,000			581,000	410,000	446,000	380,000	389,000	418,000
mortgage banking revenue	1,450,000	1,181,000	1,278,000
interchange credits	1,698,000	1,862,000	1,858,000	1,788,000	1,577,000	1,726,000	1,711,000	1,717,000	1,587,000	1,633,000	1,557,000	1,311,000	1,212,000	1,280,000	1,241,000	1,253,000	1,038,000
other noninterest income	1,363,000	-991,000	2,068,000	2,690,000	1,732,000	2,580,000	1,876,000	2,186,000	1,860,000	2,305,000	1,873,000	1,080,000	1,363,000	1,074,000	1,096,000	1,173,000	945,000	-1,786,000	1,625,000	1,745,000	1,476,000	1,826,000	1,553,000	1,515,000	444,000	1,175,000			791,000	258,000	1,103,000	750,000	771,000	742,000
total noninterest income	7,244,000	8,667,000	7,701,000	9,318,000	7,003,000	8,853,000	7,287,000	8,440,000	6,567,000	4,193,000	18,337,000	5,294,000	5,334,000	5,862,000	5,344,000	5,833,000	6,046,000	5,129,000	2,909,000	2,903,000	2,557,000	3,047,000	2,581,000	2,769,000	-5,166,000	4,710,000			3,629,000	4,001,000	4,577,000	4,019,000	4,523,000	4,381,000
noninterest expense
salaries and employee benefits	19,639,000	18,582,000	18,642,000	17,742,000	16,440,000
occupancy expense	2,567,000	2,461,000	2,406,000	2,472,000	2,538,000	2,474,000	2,384,000	2,432,000	2,416,000	2,328,000	2,245,000	1,599,000	1,619,000	1,694,000	1,496,000	1,485,000	1,567,000	1,263,000	843,000	770,000	814,000	745,000	774,000	702,000	319,000	767,000			389,000	625,000	638,000	563,000	585,000	568,000
furniture and equipment expense	855,000	792,000	892,000	796,000	853,000	760,000	876,000	900,000	904,000	790,000	750,000	477,000	534,000	648,000	533,000	411,000	429,000	385,000	449,000	412,000	307,000	366,000	294,000	247,000	137,000	251,000			247,000	265,000	212,000	234,000	262,000	291,000
software and data processing	5,140,000	5,197,000	5,155,000	4,819,000	4,691,000
amortization of other intangible assets	1,980,000	2,000,000	2,039,000	2,272,000	2,278,000	2,297,000	2,336,000	2,569,000	2,576,000			435,000	441,000	460,000	499,000	511,000	517,000	381,000	107,000	120,000	126,000	126,000	125,000	138,000	235,000	281,000			-117,000	96,000	96,000	126,000	129,000	128,000
legal and professional fees	1,605,000	1,237,000	989,000	1,225,000	1,613,000	1,521,000	1,362,000	1,354,000	1,599,000	1,411,000	1,217,000	959,000	750,000	636,000	756,000	811,000	637,000	150,000	428,000	648,000	516,000	662,000	447,000	553,000
fdic insurance premium expense	995,000	845,000	794,000	1,023,000	1,091,000	1,013,000	1,160,000	1,089,000	1,150,000	1,732,000	618,000	758,000	371,000	315,000	339,000	429,000	343,000	362,000	245,000	223,000	185,000	138,000	132,000	124,000	159,000	193,000			643,000	376,000	344,000	254,000	180,000	404,000
marketing and advertising	311,000
fraud losses	111,000	227,000	45,000	83,000	105,000	-239,000	673,000	62,000	4,502,000
other noninterest expense	3,853,000	3,723,000	3,099,000	3,759,000	3,790,000
total noninterest expense	37,056,000	35,499,000	34,379,000	34,410,000	33,747,000	33,943,000	34,114,000	33,499,000	36,698,000	33,668,000	47,158,000	21,608,000	20,893,000	20,999,000	18,899,000	20,094,000	20,332,000	23,497,000	11,935,000	10,876,000	10,499,000	10,556,000	9,831,000	7,663,000	3,255,000	11,286,000			9,491,000	9,709,000	9,663,000	9,405,000	10,677,000	9,194,000
income before income taxes	22,658,000	20,782,000	18,985,000	20,632,000	18,257,000	18,141,000	14,966,000	15,000,000	10,597,000	11,153,000	-11,375,000	5,513,000	8,892,000	11,356,000	13,085,000	10,157,000	7,544,000	3,994,000	6,273,000	5,480,000	5,433,000				4,324,500	6,064,000			15,967,000	-3,178,000	422,000	416,000	319,000	-266,000
income tax expense	5,570,000	4,895,000	4,637,000	5,125,000	4,493,000	4,859,000	3,777,000	3,766,000	2,413,000	4,016,000	-4,991,000	1,495,000	2,435,000	2,948,000	3,427,000	2,658,000	1,931,000	1,271,000	1,657,000	1,449,000	1,435,000	1,320,000	1,142,000	1,802,000	985,000	1,610,000			6,352,000	-1,357,000	129,000	91,000	225,000	-33,000
net income	17,088,000	15,887,000	14,348,000	15,507,000	13,764,000	13,282,000	11,189,000	11,234,000	8,184,000	7,137,000	-6,384,000	4,018,000	6,457,000	8,408,000	9,658,000	7,499,000	5,613,000	2,723,000	4,616,000	4,031,000	3,998,000	3,886,000	3,391,000	5,335,000	12,094,000	4,454,000			9,615,000	-1,821,000	293,000	325,000	94,000	-233,000
yoy	24.15%	19.61%	28.23%	38.04%	68.18%	86.10%	-275.27%	179.59%	26.75%	-15.12%	-166.10%	-46.42%	15.04%	208.78%	109.23%	86.03%	40.40%	-29.93%	36.13%	-24.44%	-66.94%	-12.75%			25.78%	-344.59%			10128.72%	681.55%
qoq	7.56%	10.73%	-7.47%	12.66%	3.63%	18.71%	-0.40%	37.27%	14.67%	-211.80%	-258.89%	-37.77%	-23.20%	-12.94%	28.79%	33.60%	106.13%	-41.01%	14.51%	0.83%	2.88%	14.60%	-36.44%	-55.89%	171.53%				-628.01%	-721.50%	-9.85%	245.74%	-140.34%
basic net income per common share	510	470	430	460	410	400	340																						-135	-220	30	-35	10	-30
diluted net income per common share	510	470	430	460	410	400	340																						-135	-220	30	-35	10	-30
dividends paid per common share	120	120	120	120	120	120	120	120	120	120	120	120	120	120	120	120	120	120	120	120	120	120	120		90	80			2.5			20	10	10
interest and fees on loans		72,331,000	70,930,000	69,695,000	67,647,000	67,428,000	69,157,000	67,292,000	65,754,000	65,915,000	64,869,000	32,729,000	30,828,000	27,664,000	25,924,000	23,452,000	22,085,000	20,564,000	15,484,000	14,381,000	14,366,000	14,541,000	14,139,000	13,945,000	13,452,000	13,205,000			2,635,000	10,604,000	10,890,000	11,649,000	12,003,000	11,896,000
directors’ fees		221,250	318,000	219,000	348,000																								107,000	131,000	127,000	83,000	198,000	112,000
gain on sale of loans held for sale				1,325,000	966,000
mortgage-banking revenue				1,054,000	274,000	990,250	1,177,000	1,983,000	801,000	1,105,000	1,377,000	1,054,000	977,000	1,567,000	680,000	1,096,000	1,867,000
title company revenue					117,000	58,000	100,000	165,000	78,000	139,000	89,000	186,000	137,000	194,000	397,000	426,000	323,000
interest on federal funds sold											92,000																		-6,000	3,000	2,000	1,000	3,000	5,000
loss on sales and calls of investment securities											-2,166,000
bargain purchase gain										-3,353,000	12,169,000
salaries and wages						9,588,750	13,197,000	13,307,000	11,852,000	12,823,000	14,183,000	8,955,000	8,684,000	8,909,000	8,562,000	8,898,000	9,562,000	7,727,000	5,091,000	4,262,000	4,142,000	4,366,000	4,143,000	2,130,000	163,000	5,516,000			4,422,000	4,386,000	4,376,000	4,378,000	4,097,000	4,104,000
employee benefits						2,753,750	3,326,000	3,593,000	4,097,000	3,390,000	3,607,000	2,440,000	2,921,000	2,786,000	2,191,000	2,269,000	2,662,000	2,271,000	1,654,000	1,493,000	1,844,000	1,715,000	1,489,000	1,535,000	-156,000	1,271,000			1,021,000	945,000	956,000	923,000	878,000	886,000
data processing						3,404,000	3,081,000	2,978,000	2,867,000	2,761,000	2,485,000	1,739,000	1,798,000	1,856,000	1,759,000	1,668,000	1,607,000	1,487,000	1,170,000	1,217,000	1,127,000	1,093,000	1,114,000	1,037,000	751,000	963,000			943,000	703,000	694,000	660,000	661,000	680,000
directors' fees						274,250	443,000	359,000	295,000	426,000	295,000	185,000	250,000	222,000	217,000	210,000	190,000	170,000	147,000	154,000	149,000	118,000	132,000	113,000	145,000	145,000
merger-related expenses										602,000	14,866,000	1,197,000	691,000	968,000	159,000	241,000	730,000	7,615,000	538,000	377,000
other noninterest expenses						5,044,000	5,276,000	4,856,000	4,440,000	4,811,000	4,256,000	2,864,000	2,835,000	2,492,000	2,387,000	3,104,000	2,094,000	1,688,000	1,259,000	1,199,000	1,288,000	1,189,000	1,181,000	1,084,000	725,000	1,270,000			2,353,000	1,683,000	1,876,000	1,899,000	2,093,000	1,664,000
other real estate owned expenses										-1,000	2,000		-1,000	13,000	1,000	57,000	-6,000	-2,000	4,000	1,000	1,000	38,000
basic and diluted net income per common share								340	250	250	-190	200	320	420	490	380	280				340
amortization of core deposit intangible										877,500	2,634,000
gains on sales and calls of investment securities																			2,000					347,000
interest and dividends on investment securities:
taxable																		1,663,000	1,318,000	1,095,000	931,000	910,000	730,000	638,000	1,339,000	947,000			808,000	685,000	707,000	797,000	795,000	782,000
earnings per common share - basic and diluted																		270	390	340

benefit from credit losses																				650,000					460,000	307,000
net interest income after benefit from credit losses																				13,453,000					12,266,000	12,640,000
income from continuing operations before income taxes																						5,206,000	4,533,000	7,137,000
income from continuing operations																						3,886,000	3,391,000	5,335,000
loss from discontinued operations before income taxes
income tax benefit
loss from discontinued operations
tax-exempt																													-80,000	22,000	32,000	38,000	38,000	40,000
insurance agency commissions																									1,753,750	2,170,000			1,880,500	2,427,000	2,406,000	1,824,250	2,312,000	2,475,000
other real estate owned expense																									31,250	166,000
legal and professional																									358,000	463,000
earnings per common share - basic																									252.5	350
earnings per common share - diluted																									252.5	350
interest on long-term debt																													4,000	6,000	5,000	6,000	10,000	11,000
gains on sales of investment securities																													-255,000	278,000		128,000	354,000	2,000
goodwill and other intangible assets impairment																																	1,344,000
insurance agency commissions expense																													-98,000	275,000	344,000	285,000	250,000	357,000
write-downs of other real estate owned																													-419,000	224,000

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	2019-09-30	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	2014-12-31	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	2009-06-30	2009-03-31	2008-12-31	2008-09-30	2008-06-30	2008-03-31	2007-12-31	2007-09-30	2007-06-30	2007-03-31	2006-12-31	2006-09-30	2006-06-30	2006-03-31	2005-12-31	2005-09-30	2005-06-30	2004-12-31

assets
cash and due from banks	44,054,000	50,164,000	62,289,000	54,512,000	46,886,000	44,008,000	52,363,000	50,090,000	43,079,000	63,172,000	68,097,000	35,423,000	23,863,000		33,814,000	18,473,000	16,206,000		18,440,000	18,275,000	14,553,000		17,577,000	24,585,000	16,432,000	22,777,000	18,541,000	18,915,000	16,294,000	18,859,000	19,420,000	12,752,000	21,534,000	22,315,000	15,748,000	14,884,000	17,896,000	24,211,000	26,519,000	21,234,000	19,074,000	19,680,000	21,764,000	16,645,000	14,351,000	14,411,000	13,699,000	20,498,000	17,765,000	16,803,000	21,883,000	19,532,000	17,236,000	17,198,000	19,972,000	16,743,000	16,334,000	26,510,879	19,170,000	16,061,000	27,231,000	28,989,716	27,329,000	25,202,000
interest-bearing deposits with other banks	296,768,000	305,402,000	354,224,000	130,472,000	342,120,000	415,843,000	131,258,000	88,793,000	71,481,000	309,241,000	40,612,000	10,404,000	13,846,000		129,492,000	384,536,000	554,770,000		292,412,000	218,913,000	212,533,000		138,885,000	101,699,000	79,819,000	80,596,000	20,739,000	39,904,000	50,931,000	29,918,000	24,059,000	29,243,000	10,286,000	21,601,000	38,331,000	33,967,000	57,203,000	68,460,000	92,293,000	45,598,000	31,311,000	21,593,000	18,014,000	15,652,000		598,000				481,000
cash and cash equivalents	340,822,000	355,566,000	416,513,000	184,984,000	389,006,000	459,851,000	183,621,000	138,883,000	114,560,000	372,413,000	108,709,000	45,827,000	37,709,000		163,306,000	403,009,000	570,976,000		310,852,000	237,188,000	227,086,000		156,462,000	126,284,000	96,251,000	103,373,000	39,280,000	58,819,000	67,225,000	48,777,000	43,479,000	41,995,000	31,820,000	43,916,000	54,079,000	48,851,000	75,125,000
investment securities:
available for sale, at fair value	264,026,000	220,358,000	181,720,000	187,679,000	179,148,000	149,212,000																																236,108,000	105,804,000	106,742,000	100,234,000	99,055,000	96,219,000	98,211,000	104,109,000	100,744,000	94,917,000	80,278,000	70,137,000	79,204,000	82,235,000	80,721,000	86,056,000	97,137,000	109,873,000	112,353,000	115,595,000		111,400,000	103,440,000	108,391,000		111,912,000	105,838,000
held to maturity, net of allowance for credit losses of 81 and 99	393,615,000
equity securities, at fair value	6,195,000	6,186,000	6,113,000	6,010,000	5,945,000	5,814,000	5,950,000	5,699,000	5,681,000	5,703,000	5,434,000	1,245,000	1,258,000		1,222,000	1,271,000	1,305,000		1,384,000	1,384,000	1,382,000		1,396,000	1,388,000	1,350,000	1,339,000	1,325,000	1,299,000	1,269,000	649,000	652,000	651,000
restricted securities, at cost	18,003,000	17,989,000	20,364,000	20,412,000	20,411,000	20,253,000	20,253,000	21,725,000	17,863,000	17,900,000	13,361,000	21,208,000	15,067,000		9,894,000	9,894,000	9,894,000
loans held for sale, at fair value	24,034,000	32,540,000	21,500,000	34,319,000	15,717,000	19,606,000	26,877,000	27,829,000	13,767,000	8,782,000	14,725,000	6,845,000	3,514,000		8,342,000	7,306,000	12,906,000
loans held for investment	4,848,030,000	4,900,302,000	4,882,969,000	4,827,628,000	4,777,489,000	4,771,988,000	4,733,909,000	4,705,737,000	4,648,725,000	4,641,010,000	4,617,719,000	2,753,223,000	2,668,681,000		2,401,883,000	2,264,579,000	2,181,106,000
less: allowance for credit losses	-58,481,000	-58,836,000	-59,554,000	-58,483,000	-58,042,000	-57,910,000	-58,669,000	-58,478,000	-57,336,000	-57,351,000	-57,051,000	-29,014,000	-28,464,000		-16,277,000	-15,483,000	-14,710,000		-15,525,000	-15,088,000	-14,313,000		-12,777,000	-11,090,000	-10,378,000	-10,438,000	-10,305,000	-10,418,000	-10,343,000	-10,328,000	-10,121,000	-9,918,000	-9,781,000	-9,295,000	-9,132,000	-8,927,000	-8,614,000	-7,695,000	-13,540,000	-16,358,000	-17,471,000	-14,227,000	-13,153,000	-13,289,000	-12,791,000	-10,876,000	-10,723,000	-10,784,000	-9,686,000	-9,320,000	-8,618,000	-8,282,000	-7,926,000	-7,551,000
loans	4,789,549,000	4,841,466,000	4,823,415,000	4,769,145,000	4,719,447,000	4,714,078,000	4,675,240,000	4,647,259,000	4,591,389,000	4,583,659,000	4,560,668,000	2,724,209,000	2,640,217,000		2,385,606,000	2,249,096,000	2,166,396,000		1,494,897,000	1,472,429,000	1,461,522,000		1,423,965,000	1,407,249,000	1,276,993,000	1,235,035,000	1,240,295,000	1,211,716,000	1,195,355,000	1,180,557,000	1,156,884,000	1,119,937,000	1,093,514,000	1,047,247,000	1,034,605,000	891,864,000	860,553,000	710,746,000	862,566,000	877,331,000	884,715,000	895,404,000	906,490,000	905,477,000	905,194,000	916,557,000	918,601,000	919,088,000	908,118,000	888,528,000	865,437,000	841,600,000	808,583,000	776,350,000
premises and equipment	80,137,000	80,168,000	80,812,000	81,426,000	81,692,000	81,806,000	81,663,000	82,176,000	83,084,000	82,386,000	81,149,000	51,036,000	50,516,000		52,252,000	52,244,000	52,049,000		27,011,000	25,313,000	25,308,000		24,679,000	24,668,000	24,930,000	23,871,000	22,710,000	22,632,000	22,711,000	23,252,000	23,307,000	23,188,000	23,054,000	23,124,000	23,297,000	16,831,000	16,680,000	16,275,000	14,236,000	14,377,000	14,304,000	14,483,000	14,714,000	14,924,000	14,682,000	14,307,000	14,012,000	14,018,000	13,941,000	13,855,000	14,097,000	14,465,000	15,408,000	15,617,000	15,651,000	15,965,000	15,897,000	15,973,393	15,945,000	15,946,000	15,560,000	15,186,866	14,200,000	14,310,000	2,882,676
goodwill	63,266,000	63,266,000	63,266,000	63,266,000	63,266,000	63,266,000	63,266,000	63,266,000	63,266,000	63,266,000	63,266,000	63,266,000	63,266,000		63,281,000	63,281,000	63,281,000		17,518,000	17,518,000	17,518,000		17,518,000	17,518,000	17,518,000	17,518,000	17,518,000	17,518,000	17,518,000	27,618,000	27,618,000	27,618,000	27,618,000	27,909,000	27,207,000	11,931,000	11,931,000	11,931,000	12,454,000	13,678,000	13,678,000	13,678,000	12,954,000	15,954,000	15,954,000	15,954,000	15,954,000	15,954,000	15,954,000	15,954,000	15,954,000	15,954,000	15,954,000	15,954,000	11,939,000	11,939,000	11,939,000	11,938,714	11,939,000	11,939,000	11,939,000	11,938,714	11,939,000	11,939,000
other intangible assets	27,742,000	29,722,000	31,722,000	33,761,000	36,033,000	38,311,000	40,609,000	42,945,000	45,515,000	48,090,000		4,671,000	5,106,000		6,007,000	6,507,000	7,018,000		1,365,000	1,473,000	1,593,000		1,844,000	1,970,000	2,108,000	2,396,000	2,540,000	2,696,000	2,857,000	4,088,000	4,369,000	4,608,000	4,719,000	4,831,000	4,946,000	1,047,000	1,112,000	1,331,000	4,334,000	4,583,000	4,711,000	4,840,000	4,969,000	5,148,000	5,277,000	5,406,000	5,535,000	5,663,000	5,792,000	5,921,000	6,050,000	6,179,000	6,307,000	6,436,000	1,366,000	1,421,000	1,486,000	1,568,803	1,653,000	1,737,000	1,821,000	1,905,585	1,990,000	2,074,000
right-of-use assets	10,102,000	10,523,000	10,896,000	11,052,000	11,709,000	11,385,000	11,384,000	11,762,000	12,153,000	12,487,000	12,741,000	9,077,000	9,344,000		9,764,000	9,979,000	10,180,000		5,512,000	5,616,000	7,229,000		4,769,000	4,879,000	5,019,000	4,908,000	3,663,000	3,767,000
cash surrender value on life insurance	106,684,000	105,839,000	105,055,000	105,860,000	105,040,000	104,421,000	103,729,000	102,969,000	102,321,000	101,704,000	100,950,000	60,150,000	59,711,000		58,768,000	58,437,000
accrued interest receivable	20,676,000	18,551,000	20,408,000	19,821,000	20,555,000	19,570,000	19,992,000	19,641,000	19,541,000	19,217,000	15,683,000																																				4,769,000	4,355,000	4,672,000	4,606,000	5,023,000	4,843,000	5,048,000	5,008,000
deferred income taxes	29,752,000	29,825,000	30,328,000	30,972,000	31,428,000	31,857,000	32,191,000	36,078,000	38,978,000	40,707,000	48,699,000																																				2,903,000	2,579,000	1,982,000	1,579,000	2,610,000	2,639,000	1,688,000	1,847,000	2,122,000	2,528,000	2,002,000	2,091,516	1,886,000	2,286,000	2,024,000	1,991,114	1,724,000	1,663,000
other assets	31,460,000	31,992,000	27,634,000	24,525,000	22,059,000	24,382,000	27,826,000	23,639,000	26,423,000	24,790,000	24,392,000	33,413,000	31,876,000	5,392,000	25,778,000	22,455,000	80,985,000	5,712,000	58,742,000	58,194,000	58,880,000	3,204,000	47,129,000	45,264,000	40,267,000	30,257,000	14,602,000	14,772,000	17,678,000	23,700,000	22,223,000	22,537,000	17,920,000	16,955,000	17,496,000	18,258,000	20,285,000	27,162,000	26,515,000	28,719,000	29,693,000	28,685,000	27,998,000	28,329,000	30,566,000	27,266,000	6,063,000	7,102,000	4,979,000	5,272,000	4,348,000	4,697,000	4,444,000	4,141,000	4,365,000	3,955,000	4,102,000	3,937,341	4,247,000	3,950,000	4,103,000	3,661,423	3,998,000	3,694,000	83,865
total assets	6,206,063,000	6,258,818,000	6,278,479,000	6,037,874,000	6,176,563,000	6,230,763,000	5,917,704,000	5,864,017,000	5,825,704,000	6,010,918,000	5,708,725,000	3,641,631,000	3,553,694,000	409,434,000	3,446,804,000	3,442,550,000	3,494,497,000	395,257,000	2,260,774,000	2,120,260,000	2,039,631,000	221,319,000	1,828,172,000	1,719,524,000	1,571,421,000	1,561,679,000	1,488,562,000	1,485,799,000	1,483,076,000	1,473,543,000	1,451,714,000	1,421,606,000	1,393,860,000	1,376,127,000	1,362,798,000	1,166,896,000	1,157,866,000	1,100,402,000	1,157,536,000	1,124,191,000	1,131,334,000	1,130,311,000	1,134,503,000	1,129,196,000	1,146,334,000	1,156,516,000	1,157,685,000	1,158,212,000	1,076,599,000	1,044,641,000	1,037,026,000	1,019,463,000	1,003,836,000	956,911,000	939,877,000	940,763,000	960,350,000	945,648,548	934,337,000	887,585,000	855,422,000	851,638,146	841,652,000	819,795,000	96,175,671
liabilities
deposits:
noninterest-bearing	1,567,425,000	1,587,953,000	1,594,212,000	1,575,120,000	1,565,017,000	1,562,815,000	1,571,393,000	1,587,252,000	1,200,680,000	1,258,037,000	1,211,401,000	778,963,000	808,679,000		893,808,000	889,122,000	876,415,000		554,902,000	538,009,000	533,823,000		465,304,000	442,996,000	355,054,000	362,557,000	346,916,000	345,151,000	330,466,000	331,766,000	326,634,000	323,849,000	328,322,000	326,020,000	311,438,000	266,611,000	256,559,000	193,814,000	135,822,000	130,789,000
interest-bearing checking	812,847,000	852,585,000	851,963,000	763,309,000	852,480,000	978,076,000
money market and savings	1,795,619,000	1,814,928,000	1,790,001,000	1,691,438,000	1,800,529,000	1,805,884,000																																			262,983,000	255,515,000	261,500,000	256,975,000	258,423,000	249,793,000	243,576,000	244,233,000	157,086,000	150,958,000	182,397,000	190,355,000	184,488,000
time deposits	1,274,766,000	1,267,487,000	1,281,132,000	1,273,285,000	1,242,319,000	1,181,561,000
brokered deposits	10,963,000	10,911,000	10,857,000	10,806,000
total deposits	5,461,620,000	5,533,864,000	5,528,165,000	5,313,958,000	5,460,345,000	5,528,336,000	5,225,723,000	5,148,885,000	5,184,279,000	5,386,120,000	5,108,744,000	2,937,526,000	2,994,562,000		3,015,312,000	3,014,331,000	3,068,495,000		2,018,065,000	1,880,582,000	1,800,636,000		1,594,121,000	1,504,728,000	1,348,794,000	1,325,491,000	1,249,000,000	1,237,269,000	1,212,341,000	1,181,836,000	1,175,099,000	1,177,062,000	1,202,781,000	1,206,195,000	1,196,258,000	1,001,542,000	992,295,000	949,004,000	1,011,919,000	973,442,000	986,486,000	979,516,000	982,428,000	971,608,000	990,750,000	990,937,000	992,196,000	981,334,000	873,089,000	845,371,000	839,217,000	818,656,000	808,917,000	765,895,000	760,123,000	764,728,000	778,359,000	774,182,031	766,940,000	715,562,000	708,723,000		701,971,000	683,414,000
guaranteed preferred beneficial interest in junior subordinated debentures (“trups”)	30,247,000	30,168,000	30,085,000	30,005,000	29,926,000		29,768,000
subordinated debt	58,782,000	58,893,000	44,409,000	44,236,000	44,053,000	43,870,000	43,688,000	43,504,000	43,322,000	43,139,000	42,956,000	43,227,000	43,150,000		42,995,000	42,917,000	42,840,000		24,521,000	24,490,000	24,460,000		24,399,000
total borrowings	89,029,000	89,061,000	124,494,000	124,241,000	123,979,000	123,717,000	123,456,000	153,820,000	72,559,000	72,297,000	72,035,000	319,227,000	174,650,000		53,008,000	52,971,000	52,934,000		28,022,000	27,397,000	27,961,000		25,418,000
lease liabilities	10,608,000	11,027,000	11,395,000	11,541,000	12,183,000	11,844,000	11,816,000	12,189,000	12,552,000	12,857,000	13,082,000	9,392,000	9,642,000		10,023,000	10,216,000	10,397,000		5,686,000	5,757,000	7,329,000		4,840,000	4,941,000	5,072,000	4,923,000	3,663,000	3,767,000
other liabilities	42,092,000	34,993,000	37,218,000	22,940,000	27,586,000	25,800,000	23,438,000	26,340,000	41,086,000	28,509,000	9,933,000	12,346,000	13,202,000	1,333,000	11,240,000	12,255,000	10,807,000	1,251,000	7,394,000	7,842,000	7,601,000	1,389,000	4,912,000	8,657,000	4,699,000	5,039,000	4,084,000	9,146,000	8,415,000	6,245,000	5,759,000	6,574,000	5,609,000	5,815,000	3,275,000	4,809,000	5,736,000	6,121,000	8,407,000	10,625,000					15,046,000	15,936,000	15,432,000	10,591,000	8,756,000	8,619,000	8,708,000	9,148,000	11,444,000	7,809,000	4,489,000	4,390,000	4,401,000	4,372,401	4,056,000	3,888,000	3,416,000	4,170,486	3,705,000	3,350,000
total liabilities	5,603,349,000	5,668,945,000	5,701,272,000	5,472,680,000	5,624,093,000	5,689,697,000	5,384,433,000	5,341,234,000	5,310,476,000	5,499,783,000	5,203,794,000	3,278,491,000	3,192,056,000	45,149,000	3,089,583,000	3,089,773,000	3,142,633,000	44,564,000	2,059,167,000	1,921,578,000	1,843,527,000	26,300,000	1,629,291,000	1,519,390,000	1,375,727,000	1,367,716,000	1,297,255,000	1,298,717,000	1,299,891,000	1,302,124,000	1,283,599,000	1,256,629,000	1,230,124,000	1,213,479,000	1,202,858,000	1,009,270,000	1,003,031,000	959,933,000	1,036,550,000	1,003,250,000	1,010,408,000	1,007,798,000	1,012,148,000	1,004,530,000	1,021,226,000	1,028,706,000	1,029,466,000	1,030,336,000	923,153,000	917,256,000	911,625,000	896,425,000	881,137,000	836,676,000	822,141,000	825,833,000	846,968,000	834,321,548	825,130,000	781,354,000	751,297,000	750,189,972	741,972,000	721,867,000
commitments and contingencies
stockholders’ equity
common stock, 0.01 par value per share...	335,000	334,000	334,000	334,000	333,000
additional paid-in capital	361,013,000	360,554,000
retained earnings	246,636,000	233,578,000	221,693,000	211,400,000	199,898,000	190,166,000	180,884,000	173,716,000	166,490,000	162,290,000	159,134,000	169,494,000	167,864,000	171,613,000	165,590,000	158,316,000	153,198,000	149,966,000	149,620,000	146,414,000	143,794,000	141,205,000	138,765,000	136,876,000	133,044,000	128,924,000	125,996,000	123,050,000	120,574,000	109,628,000	106,193,000	102,829,000	99,662,000	97,626,000	94,848,000	93,131,000	89,102,000	76,495,000	90,560,000	90,551,000	90,868,000	92,458,000	92,115,000	94,021,000	94,083,000	96,151,000	96,283,000	95,679,000	97,492,000	96,140,000	95,224,000	93,498,000	92,076,000	90,365,000	88,367,000	86,356,000	84,341,000	82,279,344	80,483,000	78,540,000	76,025,000	73,641,882	71,668,000	69,690,000	65,182,004
accumulated other comprehensive loss	-5,270,000	-4,593,000	-4,759,000	-5,603,000	-6,333,000	-7,545,000	-5,526,000	-8,260,000	-8,058,000	-7,494,000	-10,109,000	-8,561,000	-8,161,000														-193,000		-2,950,000				-1,309,000						-1,640,000	-1,572,000	-1,859,000														-233,000	-997,000	-505,000	-723,584				-1,263,119	-832,000	-506,000
total stockholders’ equity	602,714,000	589,873,000	577,207,000	565,194,000	552,470,000	541,066,000								364,285,000				350,693,000				195,019,000						187,082,000										140,469,000	120,986,000	120,941,000	120,926,000	122,513,000	122,355,000	124,666,000	125,108,000	127,810,000	128,219,000	127,876,000	153,446,000	127,385,000	125,401,000	123,038,000	122,699,000	120,235,000	117,736,000	114,930,000	113,382,000	111,327,000	109,207,000	106,231,000	104,125,000	101,448,174	99,680,000	97,928,000	92,975,653
total liabilities and stockholders’ equity	6,206,063,000	6,258,818,000	6,278,479,000	6,037,874,000	6,176,563,000	6,230,763,000								409,434,000				395,257,000				221,319,000						1,485,799,000										1,100,402,000	1,157,536,000	1,124,191,000	1,131,334,000	1,130,311,000	1,134,503,000	1,129,196,000	1,146,334,000	1,156,516,000	1,157,685,000	1,158,212,000	1,076,599,000	1,044,641,000	1,037,026,000	1,019,463,000		956,911,000				945,648,548				851,638,146			96,175,671
held to maturity, net of allowance for credit losses of 99 and 203		414,827,000
fhlb advances			50,000,000	50,000,000	50,000,000	50,000,000
held to maturity, net of allowance for credit losses of 95 and 203			433,440,000
mortgage servicing rights			5,293,000	5,396,000
additional paid in capital			359,939,000	359,063,000	358,572,000	358,112,000	357,580,000	356,994,000	356,464,000	356,007,000	355,575,000	202,008,000	201,736,000	201,494,000	201,213,000	200,914,000	200,640,000	200,473,000	51,641,000	51,544,000	51,445,000	52,167,000	58,090,000	61,129,000	61,067,000	64,879,000	65,376,000	65,408,000	65,434,000	65,730,000	65,562,000	65,399,000	65,256,000	64,949,000	64,791,000	64,619,000	64,129,000	63,532,000	30,438,000	30,334,000	30,290,000	30,242,000	30,173,000	30,081,000	29,988,000	29,872,000	29,844,000	29,816,000	29,790,000	29,768,000	29,744,000	29,663,000	29,578,000	29,539,000	29,518,000	29,487,000	29,462,000	29,687,406	29,560,000	29,423,000	29,411,000	29,013,841	28,789,000	28,689,000	28,016,571
held to maturity, net of allowance for credit losses of 199 and 203				459,246,000
held to maturity, net of allowance for credit losses of 178 and 203					469,572,000
mortgage servicing rights, at fair value					5,535,000	5,874,000	5,309,000	5,995,000	5,821,000	5,926,000	5,890,000	5,466,000	5,310,000		5,321,000	5,228,000	5,113,000
held to maturity, net of allowance for credit losses of 203 and 94 (fair value of 424,734 and 457,830) at december 31, 2024 and 2023, respectively						481,077,000
guaranteed preferred beneficial interest in junior subordinated debentures						29,847,000				29,158,000	29,079,000
common stock, par value 0.01 per share...						333,000	333,000
available-for-sale, at fair value							133,339,000	131,594,000	179,496,000	110,521,000	79,143,000	78,069,000	81,525,000		86,347,000	94,689,000	106,695,000		105,125,000	113,957,000	124,103,000		139,349,000	86,020,000	104,375,000	138,911,000	145,410,000	150,814,000	154,432,000	167,675,000	175,566,000	183,259,000	196,955,000	213,390,000	201,587,000	178,072,000	174,788,000
held to maturity, net of allowance for credit losses of 101							484,583,000
other real estate owned							179,000	179,000	179,000		179,000	179,000	179,000		197,000	197,000	561,000		203,000	203,000	205,000		38,000	38,000	38,000	74,000	524,000	979,000	1,222,000	1,518,000	1,569,000	1,569,000	1,794,000	1,809,000	2,302,000	2,354,000	2,197,000	3,691,000									2,062,000	2,212,000	1,463,000	148,000				176,000	745,000	313,000	398,000	398,030	47,000	46,000	47,000		337,000	391,000
repossessed assets							306,000
assets held for sale							1,387,000	1,387,000
interest-bearing							3,654,330,000	3,561,633,000	3,983,599,000	4,128,083,000	3,897,343,000	2,158,563,000	2,185,883,000		2,121,504,000	2,125,209,000	2,192,080,000		1,463,163,000	1,342,573,000	1,266,813,000		1,128,817,000	1,061,732,000	993,740,000	962,934,000	902,084,000	892,118,000	881,875,000	850,070,000	848,465,000	853,213,000	874,459,000	880,175,000	884,820,000	734,931,000	735,736,000	755,190,000	876,097,000	842,653,000
advances from fhlb - long-term							50,000,000	50,000,000							10,013,000	10,054,000	10,094,000
stockholders' equity
total stockholders' equity							533,271,000	522,783,000	515,228,000	511,135,000	504,931,000	363,140,000	361,638,000		357,221,000	352,777,000	351,864,000		201,607,000	198,682,000	196,104,000		198,881,000	200,134,000	195,694,000	193,963,000	191,307,000		183,185,000	171,419,000	168,115,000	164,977,000	163,736,000	162,648,000	159,940,000	157,626,000	154,835,000
total liabilities and stockholders' equity							5,917,704,000	5,864,017,000	5,825,704,000	6,010,918,000	5,708,725,000	3,641,631,000	3,553,694,000		3,446,804,000	3,442,550,000	3,494,497,000		2,260,774,000	2,120,260,000	2,039,631,000		1,828,172,000	1,719,524,000	1,571,421,000	1,561,679,000	1,488,562,000		1,483,076,000	1,473,543,000	1,451,714,000	1,421,606,000		1,376,127,000	1,362,798,000	1,166,896,000
held to maturity, net of allowance for credit losses of 108								499,431,000
repossessed properties								1,560,000	1,845,000
advances from fhlb - short-term								31,000,000				276,000,000	131,500,000
guaranteed preferred beneficial interest in junior subordinated debentures ("trups")								29,316,000	29,237,000
common stock								333,000	332,000	332,000	331,000	199,000	199,000	199,000	199,000	198,000	198,000	198,000	118,000	118,000	118,000	118,000	122,000	125,000	125,000	127,000	128,000	128,000	127,000				127,000					126,000	85,000	85,000	84,000	84,000	84,000	84,000	84,000	84,000	84,000	84,000	84,000	84,000	84,000	84,000	84,000	84,000								55,570			55,152
held to maturity, net of allowance for credit losses of 116									503,822,000
held to maturity, net of allowance for credit losses of 94										513,188,000
oreo										179,000
held to maturity, net of allowance for credit losses of 126											523,051,000
core deposit intangible											50,685,000
held to maturity,												536,970,000
												2,023,000			2,022,000	2,022,000			2,021,000	2,021,000			2,020,000
interest income
interest and fees on loans												32,729,000	30,828,000		25,924,000	23,452,000	22,085,000		15,484,000	14,381,000	14,366,000		14,139,000
interest and dividends on taxable investment securities												3,729,000	4,064,000		3,186,000	2,392,000	1,985,000
interest and dividends on tax-exempt investment securities												5,000	7,000
interest on deposits with other banks												170,000	163,000		1,466,000	826,000	254,000		97,000	55,000	47,000		33,000
total interest income												36,633,000	35,062,000		30,576,000	26,670,000	24,324,000		16,899,000	15,531,000	15,344,000		14,902,000
interest expense
interest on deposits												9,914,000	7,281,000		2,561,000	1,511,000	1,358,000		949,000	1,056,000	1,184,000		1,470,000
interest on short-term borrowings												3,449,000	1,361,000				2,000		2,000	2,000	1,000		1,000
interest on long-term borrowings												776,000	756,000		700,000	541,000	534,000		359,000	370,000	359,000		148,000
total interest expense												14,139,000	9,398,000		3,261,000	2,052,000	1,894,000		1,310,000	1,428,000	1,544,000		1,619,000
net interest income												22,494,000	25,664,000		27,315,000	24,618,000	22,430,000		15,589,000	14,103,000	13,800,000		13,283,000
benefit from credit losses												667,000	1,213,000		675,000	200,000	600,000		290,000	650,000	425,000		1,500,000
net interest income after benefit from credit losses												21,827,000	24,451,000		26,640,000	24,418,000	21,830,000		15,299,000	13,453,000	13,375,000		11,783,000
noninterest income
service charges on deposit accounts												1,264,000	1,213,000		1,509,000	1,438,000	1,359,000		805,000	683,000	674,000		647,000
trust and investment fee income												399,000	432,000		421,000	447,000	514,000		477,000	475,000	407,000		381,000
interchange credits												1,311,000	1,212,000		1,241,000	1,253,000	1,038,000
mortgage-banking revenue												1,054,000	977,000		680,000	1,096,000	1,867,000
title company revenue												186,000	137,000		397,000	426,000	323,000
other noninterest income												1,080,000	1,363,000		1,096,000	1,173,000	945,000		1,625,000	1,745,000	1,476,000		1,553,000
total noninterest income												5,294,000	5,334,000		5,344,000	5,833,000	6,046,000		2,909,000	2,903,000	2,557,000		2,581,000
noninterest expense
salaries and wages												8,955,000	8,684,000		8,562,000	8,898,000	9,562,000		5,091,000	4,262,000	4,142,000		4,143,000
employee benefits												2,440,000	2,921,000		2,191,000	2,269,000	2,662,000		1,654,000	1,493,000	1,844,000		1,489,000
occupancy expense												1,599,000	1,619,000		1,496,000	1,485,000	1,567,000		843,000	770,000	814,000		774,000
furniture and equipment expense												477,000	534,000		533,000	411,000	429,000		449,000	412,000	307,000		294,000
data processing												1,739,000	1,798,000		1,759,000	1,668,000	1,607,000		1,170,000	1,217,000	1,127,000		1,114,000
directors' fees												185,000	250,000		217,000	210,000	190,000		147,000	154,000	149,000		132,000
amortization of other intangible assets												435,000	441,000		499,000	511,000	517,000		107,000	120,000	126,000		125,000
fdic insurance premium expense												758,000	371,000		339,000	429,000	343,000		245,000	223,000	185,000		132,000
other real estate owned expenses													-1,000		1,000	57,000	-6,000		4,000	1,000	1,000
legal and professional fees												959,000	750,000		756,000	811,000	637,000		428,000	648,000	516,000		447,000
merger-related expenses												1,197,000	691,000		159,000	241,000	730,000		538,000	377,000
other noninterest expenses												2,864,000	2,835,000		2,387,000	3,104,000	2,094,000		1,259,000	1,199,000	1,288,000		1,181,000
total noninterest expense												21,608,000	20,893,000		18,899,000	20,094,000	20,332,000		11,935,000	10,876,000	10,499,000		9,831,000
income before income taxes												5,513,000	8,892,000		13,085,000	10,157,000	7,544,000		6,273,000	5,480,000	5,433,000
income tax expense												1,495,000	2,435,000		3,427,000	2,658,000	1,931,000		1,657,000	1,449,000	1,435,000		1,142,000
net income												4,018,000	6,457,000		9,658,000	7,499,000	5,613,000		4,616,000	4,031,000	3,998,000		3,391,000
basic and diluted net income per common share												200	320		490	380	280				340
dividends paid per common share												120	120		120	120	120		120	120	120
held to maturity, net of allowance for credit losses of 163													549,096,000
gains on sales and calls of investment securities																			2,000
cash														7,145,000				13,092,000				16,653,000																																											790,710
investment in subsidiaries														396,897,000				376,453,000				201,462,000																																											91,967,166
accrued interest payable														744,000				551,000				482,000																									2,218,000	2,368,000	2,304,000	2,350,000	2,137,000	1,873,000	2,579,000	2,793,000	2,140,000	2,071,000	2,419,000	2,242,683	1,820,000	1,478,000	1,390,000	1,213,500	951,000	833,000
long-term debt														43,072,000				42,762,000				24,429,000																	932,000	932,000	932,000	932,000	1,429,000	1,429,000	1,429,000	1,429,000	1,947,000	7,947,000	7,947,000	7,947,000	8,485,000	8,485,000	15,485,000	12,485,000
accumulated other comprehensive income														-9,021,000	-9,781,000	-6,651,000	-2,172,000	56,000	228,000	606,000	747,000	1,529,000	1,904,000	2,004,000	1,458,000	33,000									174,000		1,477,000	316,000				-1,814,000	-1,560,000	-1,063,000	-590,000	160,000	465,000	754,000	1,023,000	1,393,000	349,000	-207,000	961,000	247,000											-278,074
held to maturity, at amortized cost - fair value of 501,145															570,719,000
securities sold under retail repurchase agreements																			3,501,000	2,907,000	3,501,000		1,019,000
held to maturity, at amortized cost - fair value of 415,435																458,957,000
held to maturity, at amortized cost - fair value of 390,541																	407,138,000
held to maturity, at amortized cost - fair value of 247,835																			250,501,000
restricted securities																			3,189,000	3,189,000	3,189,000		3,626,000	3,626,000	4,263,000	4,655,000	5,095,000	5,292,000	6,476,000
interest and dividends on investment securities:
taxable																			1,318,000	1,095,000	931,000		730,000
earnings per common share - basic and diluted																			390	340
held to maturity, at amortized cost - fair value of 197,991																				198,884,000
held to maturity, at amortized cost - fair value of 125,076																					125,929,000
held to maturity, at amortized cost - fair value of 20,254																							20,174,000
income from continuing operations before income taxes																							4,533,000
income from continuing operations																							3,391,000
income from discontinued operations before income taxes
income tax benefit
income from discontinued operations
held to maturity, at amortized cost - fair value of 11,715																								11,710,000
short-term borrowings																								1,064,000	2,162,000	17,263,000	25,508,000	30,724,000	60,812,000	114,043,000	102,741,000	72,993,000	21,734,000	1,469,000	3,325,000	2,919,000	5,000,000	4,808,000	15,292,000	18,251,000	12,078,000	16,041,000	17,782,000	17,864,000	14,001,000	20,404,000	17,673,000	28,096,000	31,057,000	52,969,000	53,078,000	58,263,000	42,712,000	47,694,000				28,524,433				35,847,600
long-term borrowings																									15,000,000	15,000,000	15,000,000	15,000,000	15,000,000
held to maturity, at amortized cost - fair value of 8,718																									8,687,000
held to maturity, at amortized cost - fair value of 9,715																										9,780,000
assets of discontinued operations																												14,000	633,000
liabilities of discontinued operations																												2,811,000	3,323,000
held to maturity, at amortized cost - fair value of 5,887																											5,905,000
held to maturity, at amortized cost - fair value of 5,865																												5,899,000
accumulated other comprehensive																												-1,504,000		-4,066,000	-3,767,000	-3,378,000		-54,000		-251,000
held to maturity, at amortized cost - fair value of 6,000																													6,043,000
held to maturity, at amortized cost - fair value of 5,983																														6,037,000
35,000,000; shares issued and outstanding - 12,748,273 and 12,688,224
held to maturity, at amortized cost - fair value of 6,162
and 6,391																															6,168,000
35,000,000; shares issued and outstanding - 12,747,182 (including 9,933 unvested
restricted stock)																															127,000	127,000		127,000
held to maturity, at amortized cost - fair value of 6,223																																6,162,000
35,000,000; shares issued and outstanding - 12,735,919 (including 10,435 unvested
held to maturity, at amortized cost - fair value of 6,391																																	6,247,000
total liabilities and stockholders's equity																																	1,393,860,000				1,157,866,000
held to maturity, at amortized cost - fair value of 6,451
and 6,806																																		6,241,000	6,411,000	6,615,000
35,000,000; shares issued and outstanding - 12,686,767 (including 15,913 unvested
held to maturity, at amortized cost - fair value of 6,663
35,000,000; shares issued and outstanding - 12,685,440 (2017) and
12,664,797																																			127,000	127,000
held to maturity, at amortized cost - fair value of 6,855
35,000,000; shares issued and outstanding - 12,672,675 (2017) and
federal funds sold																																					26,000	3,552,000	9,966,000	13,881,000	39,597,000	36,691,000	35,161,000	32,372,000	46,121,000	60,637,000	72,061,000	85,242,000	24,496,000	10,010,000	15,416,000	23,111,000	28,313,000	6,646,000	7,039,000	15,226,000	51,394,000	19,622,080	46,423,000	29,385,000	21,908,000	25,400,992	36,814,000	22,630,000
held to maturity, at amortized cost - fair value of 3,931
and 4,243																																					3,809,000
35,000,000; shares issued and outstanding - 12,662,746 (2016) and
12,631,160																																					127,000
held to maturity, at amortized cost – fair value of 4,694																																						4,630,000
loans held for sale
held to maturity, at amortized cost – fair value of 6,803																																							6,524,000
other real estate and other assets owned																																							9,865,000	7,877,000	4,802,000	3,702,000	1,517,000	1,428,000	2,403,000	2,572,000
warrant																																							1,543,000	1,543,000	1,543,000	1,543,000	1,543,000	1,543,000	1,543,000	1,543,000
held to maturity, at amortized cost – fair value of 6,747																																								6,529,000
held to maturity, at amortized cost – fair value of 6,843																																									6,686,000
noninterest-bearing demand																																									122,490,000	124,188,000	121,480,000	121,410,000		122,492,000				102,584,000
interest-bearing demand																																									137,108,000	128,426,000	122,774,000	136,041,000		133,946,000				125,370,000
certificates of deposit 100,000 or more																																									256,281,000		266,082,000	244,048,000	259,970,000		275,351,000	259,348,000	245,553,000		197,590,000	186,926,000	188,605,000		160,199,000	156,688,000	160,083,000		158,347,000	129,496,000	116,601,000		105,841,000	93,786,000
other time																																									207,624,000	207,722,000	210,592,000	213,134,000	218,705,000	222,043,000	235,094,000	237,783,000	237,297,000	231,224,000	222,037,000	223,108,000	218,182,000
accrued expenses and other liabilities																																									10,912,000	11,309,000	10,509,000	13,629,000
held to maturity, at amortized cost –fair value of 6,851																																										6,727,000
certificates of deposit, 100,000 or more																																										263,665,000				262,663,000				235,235,000				161,568,000				153,731,018				106,541,050
held to maturity, at amortized cost – fair value of 8,125																																											7,856,000
held to maturity, at amortized cost – fair value of 8,523																																												8,345,000
interest bearing deposits with other banks																																													11,648,000		1,601,000	1,622,000	6,838,000		513,000	343,000	6,928,000	3,036,000	3,642,000	15,553,000	29,423,000	33,540,336	21,482,000	12,543,000	5,501,000	13,068,316	4,418,000	848,000
held to maturity, at amortized cost – fair value of 8,920																																													8,820,000
noninterest bearing demand																																													119,271,000		124,440,000	113,111,000	108,017,000		118,049,000	109,718,000	103,328,000	104,081,000	110,496,000	110,305,000	103,780,000	109,962,056	115,785,000	112,659,000	110,748,000	113,244,399	110,538,000	104,831,000
interest bearing demand																																													134,381,000		113,735,000	126,859,000	125,136,000		119,144,000	108,549,000	114,314,000
held to maturity, at amortized cost –fair value of 9,012																																														8,940,000
held to maturity, at amortized cost – fair value of 9,183																																															9,004,000
insurance premiums receivable																																															1,193,000	1,391,000	1,332,000	1,348,000	1,164,000	1,603,000	1,854,000	1,083,000	250,000	487,000	838,000	573,456	175,000	504,000	504,000	1,089,982	372,000	863,000
interest rate caps																																															6,034,000
warrants																																															1,543,000	1,543,000	1,543,000
held to maturity, at amortized cost – fair value of 9,111																																																8,994,000
held-to-maturity, at amortized cost – fair value of 8,951																																																	8,816,000
preferred stock, par value 0.01																																																	23,514,000
held to maturity, at amortized cost –fair value of
10,390																																																		10,252,000
investment in unconsolidated subsidiary																																																				937,000	937,000	937,000	937,000	937,000	937,000	936,633	938,000	909,000	909,000	909,133	915,000	899,000
held-to-maturity, at amortized cost - fair value of 10,941																																																			10,914,000
held-to-maturity, at amortized cost																																																				11,121,000	13,006,000		12,900,000		13,962,000						14,852,000
total liabilities & stockholders’ equity																																																					1,003,836,000		939,877,000	940,763,000	960,350,000		934,337,000	887,585,000	855,422,000		841,652,000	819,795,000
held to maturity, at amortized cost - fair value of
12,924																																																						12,896,000
now and super now																																																						115,623,000	104,636,000	106,983,000	115,440,000	112,549,335	106,294,000	98,052,000	104,637,000	111,798,486	110,909,000	110,049,000
other time and savings																																																						384,623,000	384,792,000	390,752,000	399,056,000	397,939,622	386,514,000	375,355,000	376,737,000	373,374,451	374,683,000	374,748,000
assets:
loans, less allowance for credit losses																																																							743,236,000		690,960,000						606,859,000
accrued interest receivable on loans and investment securities																																																							5,840,000	5,065,000	5,083,000	4,891,839	5,225,000	4,270,000	4,109,000	3,897,182	3,993,000	3,599,000
liabilities:
short term borrowings																																																							39,389,000	27,560,000	32,815,000		27,314,000	35,426,000	27,281,000		29,832,000	28,757,000
long term debt																																																							16,000,000	27,000,000	27,000,000	25,000,000	25,000,000	25,000,000	9,000,000	4,000,000	5,000,000	5,000,000
stockholders’ equity:
september 30, 2007 8,380,257
december 31, 2006 8,383,395																																																							84,000	84,000	84,000
held-to-maturity, at amortized cost (fair value of 13,750 and
13,938 , respectively)																																																								13,952,000
loans, less allowance for credit losses (6,885 and
6,300, respectively)																																																								724,326,000
income taxes payable																																																								84,000	1,974,000				1,487,000
issued and outstanding:
june 30, 2007 8,379,307
march 31, 2007 8,374,794
available for sale - at fair value																																																										116,275,096				106,159,559
held to maturity - at amortized cost - fair value of
(2006) 13,937,705 and (2005) 14,826,249																																																										13,971,049
loans, less allowance for credit losses (2006) 6,299,692 and
(2005) 5,235,670																																																										693,419,383
issued and outstanding (2006) 8,383,395 shares;
(2005) 5,556,985 shares																																																										83,834
held-to-maturity, at amortized cost (fair value of, 14,008 and
14,826, respectively)																																																											13,991,000	14,359,000	14,879,000
loans, less allowance for credit losses (5,843,
5,236, respectively)																																																											679,816,000	670,210,000	636,496,000
september 30, 2006 8,376,537
december 31, 2005 5,556,985																																																											84,000	84,000	56,000
held-to-maturity, at amortized cost (fair value of, 14,096 and
loans, less allowance for credit losses (5,562,
june 30, 2006 8,367,974
held-to-maturity, at amortized cost (fair value of, 14,798 and
loans, less allowance for credit losses (5,417,
march 31, 2006 5,577,435
held to maturity - at amortized cost - fair value of (2005) 14,826,249 and (2004) 15,802,385																																																														14,910,580
loans, less allowance for credit losses (2005) 5,235,670 and (2004) 4,692,202																																																														622,227,459
other real estate																																																														301,525
deposits: - sum																																																														704,958,386
contingent earn-out payments payable																																																															513,000	513,000
september 30, 2005 5,546,446
december 31, 2004 5,515,198																																																															55,000	55,000
held-to-maturity, at amortized cost (fair value of, 15,052 and
15,802, respectively)																																																																14,871,000
loans, less allowance for credit losses (4,860 and
4,692, respectively)																																																																610,974,000
june 30, 2005 5,541,193
investment in equity securities
income taxes receivable																																																																	451,254
accounts payable																																																																	112,883
deferred tax liability																																																																	287,135
earn-out payment payable																																																																	2,800,000
liabilities: - sum																																																																	3,200,018

Cashflow Statements:

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	2019-09-30	2018-06-30	2018-03-31	2017-06-30	2017-03-31	2016-09-30	2016-06-30	2016-03-31	2015-12-31	2015-09-30	2014-12-31	2012-09-30	2012-06-30	2012-03-31	2011-12-31	2011-09-30	2011-06-30	2011-03-31	2010-03-31	2009-12-31	2009-09-30	2009-06-30	2009-03-31	2008-12-31	2008-09-30	2008-06-30	2008-03-31	2007-12-31	2007-09-30	2007-06-30	2007-03-31	2006-12-31	2006-09-30	2006-06-30	2006-03-31	2005-12-31	2005-09-30

cash flows from operating activities:																						3,886,000	3,391,000
net income	17,088,000	15,887,000	14,348,000	15,507,000	13,764,000	13,282,000	11,189,000	11,234,000	8,184,000	7,137,000	-6,384,000	4,018,000	6,457,000	8,408,000	9,657,000	7,499,000	5,613,000	2,723,000	4,616,000	4,031,000	3,998,000				3,118,000	4,206,000	4,391,000	4,058,000	2,352,000	2,800,000	2,411,000	2,272,000	2,460,000	2,163,000	1,909,000									-1,562,000	1,216,000	1,951,000	1,228,000	2,878,000	2,261,000	3,071,000	2,766,000	3,372,000	3,340,000	3,351,000	3,356,000	3,403,000	3,053,420	3,199,000	3,751,000	3,551,000	3,139,213	3,142,000
adjustments to reconcile net income to net cash from operating activities:
net accretion of acquisition accounting estimates	-4,263,000	-2,494,000	-2,812,000	-3,584,000	-3,153,000	-3,206,000	-3,910,000	-3,865,000	-3,753,000	-2,100,000	-5,825,000	-201,000	-646,000	-543,000	-409,000	-291,000	-525,000	-258,000	-40,000	-62,000	-80,000	-23,000	-135,000	-62,000	-110,000	-152,000	-176,000	-134,000
provision for credit losses	85,000	2,827,000	2,992,000	1,528,000	1,028,000	780,000	1,470,000	2,081,000	407,000	897,000	28,176,000	667,000	1,213,000		675,000	200,000	600,000	-1,723,000			425,000	1,050,000	1,500,000				418,000	489,000	974,000	427,000	605,000	375,000	450,000	475,000	410,000	-14,745,000	6,200,000	3,525,000	8,370,000		3,650,000	5,395,000	6,390,000	7,617,000		1,702,000	2,704,000	912,000		875,000	615,000	462,000		604,000	413,000	242,000		416,000	240,000	311,000		220,000
depreciation and amortization	3,578,000	3,590,000	3,615,000	4,049,000	4,077,000	4,000,000	3,823,000	4,118,000	4,099,000	4,092,000	4,103,000	1,361,000	1,383,000	1,608,000	1,352,000	1,343,000	1,558,000	1,149,000	660,000	649,000	628,000	683,000	568,000	605,000	620,000	581,000	580,000	450,000	586,000	546,000	626,000	619,000	611,000	589,000	617,000	301,000	687,000	654,000	670,000		533,000	544,000	725,000	564,000		480,000	464,000	426,000		441,000	456,000	433,000		341,000	367,000	376,000		383,000	364,000	348,000		347,000
net amortization of securities	-69,000	-6,000	28,000	28,000	36,000	76,000	21,000	-686,000	43,000	114,000	64,000	411,000	249,000	293,000	340,000	327,000	454,000	545,000	347,000	380,000	307,000	183,000	127,000	92,000	111,000	134,000	158,000	181,000
amortization of debt issuance costs	72,000	38,000	21,000	31,000	30,000	31,000	31,000	29,000	31,000	30,000	31,000	30,000	31,000	30,000	31,000	30,000	31,000	31,000	31,000	30,000	31,000	30,000
gain on mortgage loans held for sale	-1,549,000	-1,085,000	-2,295,000	-1,325,000	-966,000
loss on other mortgage loan activity	238,000
proceeds from sale of mortgage loans held for sale	50,845,000	37,732,000	63,644,000	48,331,000	33,739,000	52,975,000	52,667,000	41,826,000	22,737,000	40,888,000	33,031,000	25,868,000	21,947,000	2,691,000	24,590,000	37,445,000	66,560,000
originations of loans held for sale	-41,379,000	-47,581,000	-49,572,000	-64,763,000	-29,362,000	-44,564,000	-50,139,000	-54,455,000	-27,257,000	-33,891,000	-40,294,000	-28,481,000	-20,710,000	-4,124,000	-25,719,000	-31,136,000	-41,165,000
stock-based compensation expense	913,000	533,000	387,000	459,000	511,000	478,000	488,000	410,000	354,000	321,000	528,000	170,000	155,000	159,000	175,000	172,000	130,000	91,000	91,000	99,000	97,000	73,000	67,000	62,000	61,000	61,000	163,000	143,000	172,000	418,000	84,000	67,000	111,000	48,000	42,000	-87,000	33,000	44,000	97,000	97,000	104,000	68,000	69,000	116,000	28,000	28,000	25,000	21,000	22,000	22,000	24,000	23,000
deferred income tax expense	327,000	440,000	326,000	182,000	-26,000	1,093,000	2,860,000	2,975,000	1,941,000			-617,000	-126,000	-459,000	-804,000	52,000	29,000									33,000	293,000	265,000	1,200,000	1,583,000	1,570,000	1,180,000	1,258,000	1,234,000	1,058,000
loss on sales and valuation adjustments of repossessed assets	127,000
loss on valuation adjustments on mortgage servicing rights	159,000	167,000	361,000	0	330,000	614,000	-382,000	-94,000	223,000	246,000	-35,000
loss on disposal of fixed assets		211,000	99,000	21,000	27,000	0
loss on disposal of premises held for sale		0	0	0	61,000
loss on sales and valuation adjustments on other real estate owned	44,000	7,000								0
fair value adjustment on equity securities	39,000	-26,000	-57,000	-19,000	-87,000	179,000	-208,000	23,000	61,000	-231,000	174,000	20,000	-17,000	-5,000	54,000	38,000	70,000	16,000	4,000	2,000	18,000	6,000	-2,000			-6,000
bank-owned life insurance income	-33,000
net changes in:
accrued interest receivable	-2,125,000	1,857,000	-585,000	732,000	-985,000	422,000	-351,000	-100,000	-324,000	-3,534,000	2,079,000	-560,000	1,291,000	-1,944,000	-353,000	177,000	-545,000	566,000	350,000	622,000	607,000	769,000	-1,218,000	-2,497,000	-215,000	164,000	217,000	256,000	-112,000	-78,000	108,000	21,000	-144,000	159,000	-97,000	-575,000	184,000	92,000	197,000		232,000	-5,000	812,000	24,000		-414,000	317,000	-66,000		-180,000	205,000	-40,000		-775,000	18,000	-191,000			-161,000	-212,000		-394,000
other assets	587,000	-1,000	-2,624,000	-2,230,000	740,000	7,791,000	-4,262,000	2,749,000	-1,508,000	-730,000	-7,635,000	-1,102,000	-1,408,000	-1,146,000	-608,000	1,280,000	-976,000	-1,703,000	-215,000	511,000	-1,638,000	256,000	-56,000	-852,000	397,000	-1,377,000	-115,000	-4,417,000	-701,000	-1,422,000	-1,874,000	558,000	-286,000	250,000	-337,000			350,000	-1,322,000		1,119,000	-118,000	30,000	-645,000		260,000	-2,523,000	139,000		6,000	-979,000	-619,000		-495,000	-58,000	-213,000			173,000	-388,000		-327,000
accrued interest payable	932,000	-426,000	-83,000	127,000	-39,000	-229,000	-454,000	723,000	-1,353,000	903,000	-529,000	1,401,000	320,000	514,000	-222,000	328,000	-323,000	441,000	-356,000	295,000	-385,000	328,000	112,000			229,000	130,000	72,000				-11,000	-9,000	-28,000	-5,000			4,000	15,000		-187,000	-29,000	44,000	-165,000		-150,000	64,000	-46,000		264,000	-706,000	-214,000		69,000	-348,000	176,000		341,000
other liabilities	5,957,000	-2,144,000	14,512,000	-6,028,000	777,000	1,986,000	-2,425,000	-1,714,000	-296,000	17,010,000	-20,205,000	-2,513,000	2,055,000	-1,808,000	-828,000	675,000	-3,877,000	1,712,000	-228,000	-180,000	626,000	1,846,000	-3,958,000	3,950,000	479,000	620,000	-945,000	893,000	-1,520,000	-472,000	342,000	-44,000	-570,000	56,000	605,000			-50,000	160,000		-2,031,000	-236,000	-463,000	-725,000		-1,688,000	1,837,000	136,000		-442,000	-2,296,000	3,317,000
net cash from operating activities	31,573,000	8,478,000	42,467,000	-8,337,000	19,783,000	32,419,000	9,050,000	3,031,000	2,387,000	36,069,000	-24,006,000	-570,000	11,220,000	2,586,000	7,010,000	17,852,000	25,199,000	-23,079,000	5,036,000	6,644,000	3,896,000	8,857,000	-182,000	5,292,000	4,463,000	4,823,000	5,127,000	2,201,000	3,030,000	3,843,000	3,943,000	5,067,000	3,894,000	4,981,000	4,172,000	-426,000	2,813,000	5,283,000	5,509,000	-13,844,000	5,303,000	5,510,000	5,157,000	5,089,000	-5,786,000	2,466,000	3,972,000	4,321,000	-3,659,000	3,892,000	309,000	5,933,000	375,000	3,382,000	2,186,000	5,510,000	-6,953,999	3,322,000	3,438,000	5,089,000	-4,564,323	3,945,000
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	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	0	0	0	0
free cash flows	31,573,000	8,478,000	42,467,000	-8,337,000	19,783,000	32,419,000	9,050,000	3,031,000	2,387,000	36,069,000	-24,006,000	-570,000	11,220,000	2,586,000	7,010,000	17,852,000	25,199,000	-23,079,000	5,036,000	6,644,000	3,896,000	8,857,000	-182,000	5,292,000	4,463,000	4,823,000	5,127,000	2,201,000	3,030,000	3,843,000	3,943,000	5,067,000	3,894,000	4,981,000	4,172,000	-426,000	2,813,000	5,283,000	5,509,000	-13,844,000	5,303,000	5,510,000	5,157,000	5,089,000	-5,786,000	2,466,000	3,972,000	4,321,000	-3,659,000	3,892,000	309,000	5,933,000	375,000	3,382,000	2,186,000	5,510,000	-6,953,999	3,322,000	3,438,000	5,089,000	-4,564,323	3,945,000
cash flows from investing activities:
proceeds from maturities and principal payments of available for sale securities	5,518,000	7,230,000	7,267,000	8,872,000	3,701,000
proceeds from maturities and principal payments of held to maturity securities	21,108,000	18,480,000	25,762,000	12,511,000	11,388,000
purchases of available for sale securities	-49,926,000	-45,504,000	-27,000	-16,306,000	-31,865,000
purchases of equity securities	-48,000	-47,000	-46,000	-46,000	-44,000	-43,000	-43,000	-41,000	-39,000	-38,000	-26,000	-7,000	-8,000	-6,000	-5,000	-4,000	-3,000	-4,000	-3,000	-5,000	-5,000	-5,000	-6,000			-8,000	-4,000	-3,000
purchase of restricted securities	-14,000	-3,373,000	47,000	0	-158,000		-13,496,000	-16,213,000	-5,973,000	-9,274,000	-2,097,000	-12,558,000	-11,421,000
net change in loans	55,093,000	-18,215,000	-55,195,000	-46,917,000	-2,256,000	-38,697,000	-25,108,000	-53,488,000	-5,984,000	-19,284,000	-101,786,000	-84,532,000	-111,681,000	-146,099,000	-136,927,000	-82,746,000	-61,201,000	-39,334,000	-22,281,000	-10,740,000	-7,416,000	-30,232,000	-16,418,000	-130,512,000	-28,739,000	5,313,000	-37,062,000	-26,678,000	-20,758,000	-20,565,000	-41,421,000	-22,485,000	-4,265,000	-20,147,000	-36,698,000	-12,859,000	-4,652,000	4,161,000	9,368,000		3,660,000
purchases of premises and equipment	-1,087,000	-677,000	-586,000	-881,000	-1,024,000	-1,255,000	-610,000	-1,586,000	-1,773,000	-2,300,000	-1,886,000	-1,149,000	-619,000	-141,000	-554,000	-746,000	-974,000	-344,000	-2,058,000	-337,000	-711,000	-589,000	-310,000	-79,000	-1,397,000	-1,450,000	-393,000	-405,000	-402,000	-531,000	-225,000	-134,000	-183,000	-156,000	-393,000			-514,000	-867,000	468,000	-105,000	-327,000	-93,000	-660,000	649,000	-267,000	-376,000	-339,000		-99,000	-120,000	-73,000
proceeds from sales of repossessed assets	82,000	977,000	321,000	297,000	1,234,000	0	1,567,000
purchases of bank owned life insurance	-316,000	-101,000	-69,000	-62,000	-90,000	-72,000	-67,000	-46,000	-25,000	-62,000	-13,000	-45,000	-129,000	-34,000	-39,000	-34,000	-10,058,000	-46,000	-48,000	-38,000	-10,071,000
proceeds from disposal of premises held for sale		0	0	0	843,000					0	0
net cash provided (used in) by investing activities	30,410,000
cash flows from financing activities:
noninterest-bearing deposits	-20,528,000	-6,259,000	19,083,000	10,112,000	2,202,000	-8,578,000	-15,859,000	386,572,000	-57,357,000		-156,241,000	-29,716,000	-53,336,000	-31,793,000	4,686,000	12,707,000	-51,082,000	-9,990,000	16,893,000	4,186,000	24,732,000	43,787,000	22,308,000	87,942,000	-1,564,000	15,641,000	2,785,000	-4,473,000	10,265,000	5,036,000	24,946,000	1,968,000	-40,000	8,741,000	17,267,000						5,033,000
interest-bearing deposits	-51,716,000	10,776,000	194,845,000	-156,934,000	-70,527,000	310,779,000	92,410,000	-422,387,000	-144,851,000		195,834,000	-27,279,000	38,249,000	26,424,000	-3,548,000	-66,727,000	93,431,000	62,918,000	120,590,000	75,780,000	75,224,000	62,822,000	67,109,000	68,022,000	9,055,000	60,882,000	-4,672,000	-21,209,000	-28,005,000	-983,000	6,255,000	-10,606,000	-5,691,000	7,289,000	13,258,000						33,443,000
shares withheld as tax payments associated with settlement of restricted stock units	-543,000
common stock dividends paid	-4,030,000	-4,002,000	-4,055,000	-4,005,000	-4,032,000	-4,000,000	-4,021,000	-4,008,000	-3,984,000	-3,981,000	-3,976,000	-2,388,000	-2,388,000	-2,384,000	-2,384,000	-2,381,000	-2,381,000	-2,377,000	-1,410,000	-1,411,000	-1,409,000	-1,446,000	-1,502,000	-1,503,000	-1,499,000	-1,278,000	-1,021,000	-891,000	-635,000	-633,000	-380,000	-379,000	-379,000	-253,000				0	-85,000	-84,000	-85,000	-84,000	-507,000	-506,000	-1,348,000	-1,347,000	-1,347,000	-1,344,000
issuance of common stock	90,000					55,000	97,000	121,000	103,000	112,000	84,000	102,000	87,000	122,000	125,000	102,000	37,000
net cash from financing activities	-76,727,000	-35,043,000	209,873,000	-150,827,000	-72,357,000	298,256,000	41,627,000	41,298,000	-206,089,000	271,856,000	-309,299,000	85,219,000	74,112,000	22,369,000	-1,121,000	-56,299,000	35,862,000	51,193,000	136,673,000	77,961,000	100,179,000	99,194,000	109,150,000	138,363,000	6,889,000	66,441,000	26,840,000	24,686,000	-17,969,000	3,136,000	29,014,000	-8,006,000	-6,907,000	15,972,000	30,123,000	17,604,000	5,064,000	4,798,000	14,016,000		35,432,000	-6,931,000	2,521,000	-7,096,000		-378,000	78,728,000	29,339,000		14,090,000	17,007,000	39,713,000		-5,107,000	-20,220,000	8,890,000		42,135,000	29,776,000	-584,000		18,568,000
net decrease in cash and cash equivalents	-14,744,000		231,529,000	-204,022,000	-70,845,000			24,323,000	-257,853,000																				5,228,000	-27,087,000		-12,409,000	-185,000	7,635,000	6,420,000
cash and cash equivalents at beginning of period	355,566,000	0	0	0	459,851,000	0	0	0	372,413,000	0	0	0	55,499,000	0	0	0	583,613,000	0	0	0	186,917,000	0	0	0	94,971,000	0	0	31,820,000	0	75,938,000	0	0	73,811,000		0		0	0	127,742,000		0	0	77,964,000	75,646,000		0	0	27,294,000		0	0	26,880,000		0	0	79,673,000		0	0	67,459,000		0
cash and cash equivalents at end of period	340,822,000	-60,947,000	231,529,000	-204,022,000	389,006,000	276,230,000	44,738,000	24,323,000	114,560,000	263,704,000	62,882,000	8,118,000	37,709,000	-107,807,000	-239,703,000	-167,967,000	570,976,000	272,761,000	73,664,000	10,102,000	227,086,000	30,455,000	30,178,000	30,033,000	96,251,000	64,093,000	1,484,000	41,995,000	5,228,000	48,851,000	13,908,000	-12,409,000	73,626,000		6,420,000		13,875,000	3,574,000	165,999,000		48,065,000	-9,269,000	89,982,000	72,120,000		-20,001,000	58,263,000	49,099,000		-5,174,000	-9,491,000	52,477,000		-16,869,000	-49,629,000	97,151,000		29,086,000	3,349,000	54,640,000		19,881,000
supplemental cash flow information:
interest paid	24,754,000	28,752,000	28,084,000	28,545,000	29,477,000	31,948,000	31,330,000	29,561,000	30,728,000	26,795,000									1,648,000	1,122,000	1,924,000	1,397,000	1,522,000	1,715,000	2,199,000	2,302,000	987,000	739,000	562,000	521,000	592,000	631,000	672,000	783,000	832,000	-3,750,000	2,748,000	2,656,000	2,646,000		2,932,000	2,822,000	2,813,000	3,598,000		4,635,000	4,480,000	4,454,000		5,124,000	6,202,000	6,107,000		6,011,000	6,362,000	5,808,000
recognition of lease liabilities arising from right-of-use assets		44,000	254,000	-3,000	915,000
transfers from loans to repossessed assets	674,000	1,108,000	1,353,000	378,000	569,000	2,631,000
unrealized gains on available for sale securities	-931,000	228,000	1,163,000	1,004,000	1,667,000	-2,778,000
bargain purchase gain										3,353,000
loss on sales and calls of securities
valuation adjustments on premises transferred to held for sale						287,000	0				0	46,000	225,000
proceeds from the sale of acquired available for sale securities
proceeds from life insurance death benefits		1,100,000				0	0
purchases of held to maturity securities		0	1,000
proceeds from sale of loans held for investment										0
proceeds from sales of other real estate owned										0	0	0	21,000	0	0	311,000	83,000					0	0	0	18,000	320,000	0	280,000	56,000	69,000	1,170,000	1,946,000	338,000	435,000	43,000	-2,436,000	2,738,000	474,000	921,000		2,235,000	117,000	527,000	63,000						0	0	264,000
redemption of restricted securities						475,000	14,968,000	12,351,000	6,010,000	4,735,000	14,284,000	6,417,000	7,523,000
cash acquired in the acquisition of tcfc, net of cash paid
net cash from investing activities		-34,382,000	-20,811,000	-44,858,000	-18,271,000	-54,445,000	-5,939,000	-20,006,000	-54,151,000	-44,221,000	396,187,000	-76,531,000	-103,122,000	-132,762,000	-245,592,000	-129,520,000	-73,698,000	244,647,000			-63,906,000	-77,596,000	-78,790,000				-30,483,000	-16,712,000	20,167,000	-34,066,000	-19,049,000	-9,470,000	2,828,000	-13,318,000	-27,875,000	-107,751,000	5,998,000	-6,507,000	18,732,000		7,330,000	-7,848,000	4,340,000	-1,519,000		-22,089,000	-24,437,000	-11,855,000		-23,156,000	-26,807,000	-20,049,000		-15,144,000	-31,595,000	3,078,000			-29,865,000	-17,324,000		-2,632,000
short-term borrowings											-345,000,000	144,500,000	91,500,000	40,000,000	0	0	-4,143,000	642,000	594,000	-594,000	2,451,000	31,000	-45,000	-1,098,000	936,000	-8,245,000	29,748,000	51,259,000	406,000	-284,000	-1,869,000	997,000	-800,000	192,000	-149,000						-2,959,000
long-term borrowings						0	0															0	0
proceeds from issuance of subordinated debt, net of issuance costs
redemption of subordinated debt
net increase in cash and cash equivalents						276,230,000				263,704,000				-107,807,000	-239,703,000	-167,967,000	-12,637,000	272,761,000	73,664,000	10,102,000	40,169,000	30,455,000	30,178,000	30,033,000	1,280,000	64,093,000	1,484,000	10,175,000								-90,573,000	13,875,000	3,574,000	38,257,000	-50,842,000	48,065,000	-9,269,000	12,018,000	-3,526,000	-61,679,000	-20,001,000	58,263,000	21,805,000	-10,437,000	-5,174,000	-9,491,000	25,597,000	49,249,000			17,478,000	-19,217,354	29,086,000	3,349,000	-12,819,000	-24,987,436	19,881,000
supplemental cash flows information:
income taxes paid		2,865,000	4,220,000						87,000	-601,000									2,596,000	2,434,000	7,000	1,557,000	6,204,000	97,000	77,000	1,143,000					65,000	288,000	235,000	150,000	89,000	121,000	13,000				125,000	1,044,000	817,000	91,000		555,000	3,104,000	19,000		2,458,000	4,854,000	125,000		2,344,000	4,095,000	35,000
transfer from loans held for sale to loans held for investment		0	0
transfer of premises to held for sale, included in other assets
gain on other mortgage loan activity			902,000	-654,000	-284,000
loss on sales of repossessed assets			41,000	29,000	94,000		330,000
bank owned life insurance income			-840,000	-758,000	-529,000	-620,000	-693,000	-752,000	-592,000	-692,000	-547,000	-394,000	-364,000	-416,000	-292,000	-217,000	-193,000	-316,000	-229,000	-292,000	-253,000		-261,000	-390,000	-257,000
transfer of premises to held for sale						0	0			0
unsettled securities transaction									14,083,000
losses on sales and calls of securities										0
gain on sales of repossessed assets
gain on disposal of premises held for sale
gain on sales and valuation adjustments on other real estate owned
fair value adjustments on loans held for investment, at fair value
proceeds from maturities and principal payments of investment securities available for sale						5,996,000	4,223,000	56,824,000	3,849,000	5,450,000	6,285,000	2,844,000	3,175,000	3,722,000	3,941,000	5,729,000	7,049,000	8,681,000	8,113,000	9,689,000	14,173,000	12,057,000	6,912,000	6,339,000	20,021,000	6,669,000		10,003,000				16,340,000	9,752,000	27,822,000	12,910,000	8,623,000	13,487,000	6,395,000	14,913,000		17,688,000
proceeds from maturities and principal payments of investment securities held to maturity						9,307,000	20,362,000	10,076,000	9,215,000	9,778,000	13,228,000	11,778,000	10,017,000	11,721,000	16,990,000	12,345,000	11,268,000	11,228,000	26,009,000	1,944,000	1,093,000	39,000	100,000	0	105,000	131,000		91,000				0	192,000	0	320,000	-1,952,000	1,090,000	885,000	420,000		0
purchase of investment securities available for sale
purchases of investment securities held to maturity						-6,063,000	-5,649,000
purchases of restricted securities																	-5,735,000
gain on mortgage banking activities							-451,000	-1,626,000	-820,000								-1,679,000
fair value adjustments on loans held for investments, at fair value							-564,000	108,000	210,000	-525,000			-195,000
proceeds from the sale of acquired afs securities										0
purchases of investment securities available for sale							-2,086,000	-22,473,000	-59,431,000													-12,950,000							-33,463,000	-22,661,000	-3,999,000	-5,137,000	-3,006,000	-21,272,000	-4,057,000			-18,215,000	-6,023,000		-21,509,000
proceeds from the sale of loans held for investment
recognition (remeasurement) of lease liabilities arising from right-of-use assets
recognition (remeasurement of) lease liabilities arising from right-of-use assets								5,000	71,000	134,000
transfers from loans to repossessed properties								0	1,845,000
unrealized gains on securities available for sale								-278,000	-776,000
(gain) on mortgage banking activities										-875,000	-1,084,000	-799,000	-719,000	-1,392,000	-648,000
loss on sale and valuation adjustments on premises transferred to held for sale
losses on sales and disposals of premises and equipment																		0				1,000	0
purchase of securities available for sale																																																						-46,990,000	-6,885,000	-4,939,000			-2,704,000	-3,148,000		-10,052,000
purchases of securities held to maturity														-667,000	-128,998,000	-64,375,000	-14,093,000	-41,315,000	-77,777,000	-75,016,000	-61,406,000	-45,597,000	-8,568,000																							-739,000				0	-210,000	-802,000
proceeds from sales of premises and equipment																						0	0														0				0	0	4,000
improvements to other real estate owned														0	0	0	-34,000
cash acquired in the acquisition of tcfc
net change in deposits
net (repayment) advances of short-term borrowings
repayment of long-term borrowings
transfer from loans held for sale to loans held for investments
transfers from loans to other real estate owned																			0	0	205,000													1,839,000	437,000	-2,420,000	344,000	818,000	3,553,000		4,638,000	3,225,000	1,830,000	141,000		8,000	749,000	1,315,000		0	0	138,000
unrealized gain on securities available for sale																			-520,000	-194,000	-1,075,000	-517,000	-139,000	746,000	1,714,000	-7,863,000		-2,866,000
deferred income tax																			-287,000	-93,000	-485,000
unrealized losses on securities available for sale
net (decrease) in cash and cash equivalents												8,118,000	-17,790,000
(gains) loss on valuation adjustments on mortgage servicing rights													82,000
losses on sales and valuation adjustments on other real estate owned													-3,000	0	0			0	0			38,000	0	0	18,000			-55,000

benefit from credit losses																									350,000
(gains) on sales and calls of securities																		0				0	0
cash acquired in the acquisition of severn, net of cash paid
retirement of common stock																		0	0	0	-819,000	-6,003,000
(gains) on valuation adjustments on mortgage servicing rights															19,000	76,000	-554,000
net (purchase) of restricted securities
net redemption of restricted securities																		0	0			0	0			440,000
net (purchase) redemption of restricted securities																									-73,000
(gains) on sales and valuation adjustments on other real estate owned																	-9,000
losses on valuation adjustments on mortgage servicing rights
proceeds from sales and calls of investment securities available for sale																						0	0
proceeds from the issuance of subordinated debt, net of issuance costs																						0
repurchase of shares for tax withholding on exercised options and vested restricted stock																						0	0	0	-39,000	0
stock options exercised, net of shares surrendered																		0
lease liabilities arising from right-of-use assets																			62,000	-1,445,000	2,577,000	186,000	0	0	419,000	-9,120,000
amortization of unrealized loss on securities transferred from available for sale to held to maturity																						0	3,000	4,000	8,000	8,000
net cash (used in) investing activities																									-10,072,000
net redemption (purchase) of restricted securities																					437,000
deferred income (benefit) tax expense																						-260,000
cash surrender values on compensation plans
stock options exercised
deferred income tax benefit																									-108,000														-137,000
cash flows from investing activites:
losses (gains) on sales and valuation adjustments on other real estate owned
deferred income tax (benefit) expense
losses on disposals of premises and equipment																																0	2,000
net (gain) on disposal of discontinued operations
accrued interest payables
cash received in branch acquisition
net purchases of restricted securities
net proceeds from disposal of discontinued operations
cash and cash equivalents at beginning of year
cash and cash equivalents at end of year
unrealized (loss) on securities available for sale
branch purchase:
tangible assets acquired
identifiable intangible assets acquired
liabilities assumed
proceeds from maturities and principal payments of investment securities
available for sale																													10,479,000	9,528,000																												35,699,000	6,884,000	748,000
held to maturity																													210,000	94,000																												369,000	514,000	229,000
amortization of unrealized loss on securities transferred from
available for sale to held to maturity																											8,000	7,000
adjustments to reconcile net income to net cash from operating
activities:
discount accretion on debt securities																															-1,000	-9,000	-7,000	-16,000	-36,000			-18,000	-21,000		-50,000	-19,000	-25,000	-27,000		-60,000	-85,000	-46,000		-48,000	-36,000	-80,000		-82,000	-29,000	-33,000			-20,000	-27,000		-37,000
gains on sales of other real estate owned
write-downs of other real estate owned																													104,000	57,000	2,000	66,000	7,000		7,000								163,000	247,000
proceeds from the issuance of common stock																															50,000	0	3,000
change in unrealized losses on securities available for sale																													837,000	-1,217,000
losses on sales of other real estate owned																															127,000	-13,000	11,000		0			263,000	599,000		416,000	195,000	40,000
excess tax benefits from stock-based arrangements																															-12,000											-23,000	-21,000
(gains) on sales of securities
proceeds from sales of securities available for sale																																											12,061,000
change in unrealized (gains) on securities available for sale
change in unrealized loss on securities available for sale
excess tax benefit from stock-based arrangements
gains on sales of investment securities
losses on sales and write-downs of other real estate owned																																				-862,000
gain on sale of wholesale insurance subsidiary
loss on termination of cash flow hedge
proceeds from sales of investment securities available for sale																																				-5,287,000					5,373,000					0	0	2,048,000
proceeds from sales of investment securities held to maturity
proceeds from sale of loans
proceeds from sale of subsidiary
return of investment unconsolidated subsidiary
proceeds from issuance of common stock																																													0	0	1,000	1,000	2,000	59,000	61,000	16,000	8,000	9,000	13,000	24,000	162,828	125,000	28,000	386,000	224,688	100,000
transfers from loans to loans held for sale
transfers from loans held for sale to loans
adjustments to reconcile net income to net cash provided by operating activities:
proceeds from sale of wholesale insurance subsidiary
proceeds from issuance of common stock through public offering
adjustments to reconcile net loss to net cash from operating activities:
return of investment (investment in) unconsolidated subsidiary
repayment of long-term debt																																													5,482,000				6,462,000	0
net loss																																						293,000	-3,036,000		94,000	-233,000	-1,083,000
goodwill and other intangible assets impairment
excess tax expense from stock-based arrangements																																					212,000	-23,000	-83,000
investment in unconsolidated subsidiary																																								-13,000
net change in noninterest-bearing deposits																																					7,107,000	5,672,000	9,999,000
net change in interest-bearing deposits																																					-1,296,000	-1,040,000	8,153,000
net change in short-term borrowings																																						143,000	-4,134,000
gains on disposals of premises and equipment																																										0	-3,000
adjustments to reconcile net income to cash from operating activities:
equity in undistributed net loss of subsidiaries
depreciation
net decrease in other assets
net increase in other liabilities
investment in subsidiaries
net cash used by investing activities
net increase in short-term borrowings																																													38,674,000	-10,422,000				-5,185,000	15,551,000	-4,982,000
proceeds from long-term debt
proceeds from issuance of preferred stock and warrant
redemption of preferred stock
repurchase of warrant
preferred stock dividends paid																																													0	0	-1,683,000	-125,000
net cash used by financing activities
excess tax expense (benefits) from stock-based arrangements																																									0
deferred income taxes																																										246,000	-1,552,000
gains on sales of securities																																										-2,000	-79,000
insurance premiums receivable																																											110,000	-355,000		198,000	-59,000	16,000		439,000	251,000	-771,000		238,000	351,000	-265,000		329,000	1,000	585,000		491,000
proceeds from maturities and principal payments of securities available for sale																																											14,979,000	11,742,000		5,858,000	11,300,000	19,528,000		31,996,000	12,940,000	26,253,000				6,003,000
purchases of securities available for sale																																											-28,886,000	-18,299,000		-19,918,000	-21,858,000	-13,075,000		-32,939,000	-9,554,000	-13,923,000
proceeds from maturities and principal payments of securities held to maturity																																											35,000	115,000		735,000	646,000	1,434,000			2,095,000	690,000				3,000
net decrease in loans																																											5,713,000	5,520,000								-32,458,000				2,218,000
net increase in demand, money market and savings deposits																																											14,452,000	5,844,000		-2,452,000	93,964,000	11,327,000		10,968,000	6,492,000	12,530,000
net decrease in certificates of deposit																																											-7,482,000
net decrease in short-term borrowings																																											-3,963,000	-6,403,000				-21,912,000
loss on disposals of premises and equipment
net increase in certificates of deposit																																												-6,031,000		13,315,000	14,280,000	16,392,000		9,593,000	3,247,000	30,492,000		-988,000	-3,812,000	11,059,000		46,863,000	21,727,000	13,620,000		20,117,000
equity in undistributed net income of subsidiaries
net increase in other assets
acquisition
common stock repurchased and retired
gain on sales of securities																																														0	0	-49,000
other than temporary impairment of securities
gain on disposals of premises and equipment
loss on sale of investment in unconsolidated subsidiary
loss on sales of other real estate owned
net increase in loans																																														-1,283,000	-13,325,000	-21,451,000		-24,375,000				-20,213,000					-33,953,000	-14,580,000		3,894,000
proceeds from sale of investment in unconsolidated subsidiary
purchases of interest rate caps
proceeds from issuance of long-term debt																																																		0	0	3,000,000
net receipt of counterparty collateral – interest rate caps
proceeds from issuance of preferred stock and warrants																																														0	0	25,000,000
repurchase of preferred stock																																														0
loss on sale of other real estate owned																																																			0	50,000
purchase of premises and equipment																																																					505,000	-71,000	-362,000	-207,000			-658,000	-625,000	2,476,534	-854,000
stock repurchased and retired																																																					0	0	-5,000	-261,000
dividends paid																																																	-1,345,000	-1,345,000	-1,344,000	-1,343,000	-1,342,000	-1,340,000	-1,341,000	-1,341,000			-1,236,000	-1,168,000	-1,165,335	-1,164,000
gain on sale of securities																																																														0
(gain) loss on disposals of premises and equipment
loss (gain) on sale of other real estate owned
proceeds from sale of investment securities available for sale																																																										0				0
proceeds from maturities and principal payments of securities
proceeds from sale of premises
equity in undistributed income of subsidiaries
loss on disposal of furniture and equipment
deferred earn out payment, net of stock issued																																																													0	0
stock based compensation expense																																																						22,000	17,000	12,000		12,000	12,000	12,000
(gain) loss on disposition of premise and equipment
gain on sale of other real estate owned
equity in earnings of unconsolidated subsidiary																																																														-16,000
accrued expenses																																																						15,000	-1,901,000	2,003,000				733,000		356,000
purchase of securities held to maturity																																																											0	-203,000
proceeds from sale of premise and equipment
proceeds from sale of other real estate owned																																																						279,000				0	0	255,000
net decrease in demand, now, money market and savings deposits																																																								-6,882,000
net increase in short term borrowings																																																								4,291,000			8,145,000	-8,567,000
proceeds from long-term borrowings
repayment of long-term borrow
adjustments to reconcile net income to net cash from
operating activities:
gain on sale of premise and equipment
net decrease in demand, now, money market and
savings deposits																																																											-14,888,000	-9,855,000
net decrease in short term borrowings
net increase in long-term borrowings																																																								2,000,000		0	16,000,000	5,000,000
transfers from loans to other real estate
adjustments to reconcile net income to cash provided
by operating activities:
equity in undistributed loss of subsidiaries
acquisition, net of stock issued
deferred gain on sale of premise and equipment
valuation of other real estate owned
proceeds from sale of premises and equipment
net increase in demand, now, money market and
accrued interest payable on deposits																																																												176,000		118,000
equity in undistributed (income)\loss of subsidiaries
gain on sale of investment securities
proceeds from sale of investment securities
valuation on other real estate owned
purchase of other real estate owned
acquisition net of stock issued
net increase in demand, now, money market and savings deposits
net increase in securities sold under agreement to repurchase

Shore Bancshares, Inc(NASDAQ:SHBI)

Shore Bancshares, Inc
(NASDAQ:SHBI)