7Baggers
Quarterly
Annual
    Unit: USD2025-09-30 2025-06-30 2025-03-31 2024-09-30 2024-06-30 2024-03-31 2023-12-31 2023-09-30 2023-06-30 2023-03-31 2022-12-31 2022-09-30 2022-06-30 2022-03-31 2021-12-31 2021-09-30 2021-06-30 2021-03-31 2020-12-31 2020-09-30 2020-06-30 2009-12-31 2008-03-31 2007-09-30 
      
    		                        
      interest income
    		                        
      loans, including fees
    		114,982,000 112,326,000 108,912,000 116,483,000 115,062,000 114,252,000 112,420,000 110,592,000 107,378,000 106,259,000 94,517,000 75,579,000 55,150,000 50,591,000 48,852,000 46,426,000 49,454,000 47,904,000 45,634,000 44,433,000 41,577,000 50,015,000 23,289,000 25,418,000 
      investment securities:
    		                        
      taxable interest
    		17,354,000 22,393,000 18,127,000 19,767,000 17,520,000 9,634,000 10,258,000 9,647,000 9,873,000 9,300,000 8,483,000 6,792,000 5,432,000 4,891,000 5,770,000 6,882,000 7,201,000 8,808,000 9,228,000 7,911,000 10,188,000    
      tax-exempt interest
    		104,000 103,000 83,000 43,000 40,000 39,000 39,000 40,000 42,000 32,000 24,000 25,000 24,000 25,000 25,000 25,000 25,000 28,000 28,000 28,000 27,000    
      interest-earning deposits
    		3,954,000 8,326,000 12,680,000 3,387,000 4,677,000 11,884,000 9,356,000 8,689,000 8,997,000 6,585,000               
      interest expense
    		                        
      deposits
    		38,796,000 43,963,000 46,375,000 42,698,000 39,999,000 39,161,000 38,222,000 38,431,000 37,416,000 34,460,000 27,875,000 16,065,000 5,590,000 1,606,000 1,129,000 1,209,000 1,519,000 1,766,000 1,813,000 1,730,000 1,510,000 3,932,000 11,110,000 12,219,000 
      short-term borrowings
    		495,000 5,000  1,030,000 1,295,000 19,000 37,000   234,000 271,000 1,235,000 32,000  34,000 7,000  8,000 17,000 1,000 15,000 -643,000 972,000 1,486,000 
      long-term borrowings
    		197,000 198,000 195,000 689,000 685,000 686,000 125,000 128,000 128,000 126,000 498,000 506,000             
      senior debt
    		2,450,000 1,233,000 1,234,000 1,234,000 1,234,000 1,233,000 1,234,000 1,234,000 1,280,000 1,279,000 1,280,000 1,279,000 1,280,000 1,279,000 1,280,000 1,279,000 1,280,000 1,279,000 1,280,000 633,000     
      subordinated debentures
    		259,000 257,000 255,000 297,000 291,000 292,000 296,000 293,000 271,000 261,000 226,000 177,000 139,000 116,000 112,000 112,000 112,000 113,000 116,000 118,000 128,000    
      net interest income
    		94,197,000 97,492,000 91,743,000 93,732,000 93,795,000 94,418,000 92,159,000 88,882,000 87,195,000 85,816,000 76,760,000 64,659,000 54,569,000 52,853,000 52,157,000 50,893,000 54,069,000 53,757,000 51,713,000 49,996,000 50,246,000 51,362,000 12,347,000 13,753,000 
      benefit from credit losses on non-consumer fintech loans
    		5,755,000 1,494,000 874,000                      
      benefit from credit losses on consumer fintech loans
    		39,790,000 43,233,000 45,868,000                      
      provision (reversal) for unfunded commitments
    		-491,000 -364,000 111,000 79,000                     
      net interest income after provision (reversal) for credit losses
    		49,143,000 53,129,000 44,890,000                      
      non-interest income
    		                        
      fintech fees
    		                        
      ach, card and other payment processing fees
    		5,077,000 5,562,000 5,132,000 3,892,000 3,000,000 2,964,000 2,669,000 2,553,000 2,429,000 2,171,000 2,383,000 2,230,000 2,338,000 1,984,000 1,921,000 1,905,000 1,904,000 1,796,000 1,788,000 1,760,000 1,707,000    
      prepaid, debit card and related fees
    		25,513,000 26,113,000 25,714,000 23,907,000 24,755,000 24,286,000 22,404,000 21,513,000 22,177,000 23,323,000 19,371,000 19,175,000 20,038,000 18,652,000 17,776,000 18,223,000 19,447,000 19,208,000 17,818,000 19,434,000 18,673,000    
      consumer credit fintech fees
    		4,493,000 3,970,000 3,600,000 1,600,000 140,000                    
      total fintech fees
    		35,083,000 35,645,000 34,446,000 29,399,000                     
      net realized and unrealized gains
    		                        
      on commercial loans, at fair value
    		1,005,000 344,000 361,000 606,000 503,000 1,096,000 1,042,750 525,000 1,921,000 1,725,000 2,815,500 745,000 3,682,000 3,383,000           
      leasing related income
    		1,397,000 2,131,000 1,972,000 1,072,000 1,429,000 388,000 1,556,000 1,767,000 1,511,000 1,490,000 1,256,000 1,048,000 1,545,000 973,000 1,757,000 1,968,000 1,767,000 965,000 499,000 1,519,000 443,000    
      consumer fintech loan credit enhancement
    		39,790,000 43,233,000 45,868,000                      
      other
    		3,141,000 2,390,000 995,000 1,031,000 895,000 648,000 786,000 422,000 1,298,000 280,000 461,000 228,000 350,000 120,000 768,000 186,000 164,000 109,000 1,650,000 947,000 478,000 915,000 252,000 243,000 
      total non-interest income
    		80,416,000 83,743,000 83,642,000 32,108,000 30,722,000 29,382,000 26,989,000 26,780,000 29,336,000 28,989,000 25,740,000 23,426,000 27,953,000 25,112,000 28,226,000 26,588,000 25,861,000 24,074,000 23,300,000 24,352,000 20,366,000 8,343,000 3,476,000 1,161,000 
      non-interest expense
    		                        
      salaries and employee benefits
    		37,350,000 37,134,000 33,669,000 33,821,000 33,863,000 30,280,000 27,628,000 30,475,000 33,167,000 29,785,000 27,520,000 28,001,000 25,999,000 23,848,000 28,159,000 25,094,000 27,087,000 25,658,000 27,087,000 26,417,000 25,492,000 18,366,000 4,951,000 3,699,000 
      depreciation
    		1,152,000 1,125,000 1,104,000 1,047,000                     
      rent and related occupancy cost
    		1,592,000 1,717,000 1,568,000 1,734,000 1,686,000 1,640,000 1,715,000 1,510,000 1,361,000 1,394,000 1,362,000 1,268,000 1,274,000 1,289,000 1,239,000 1,256,000 1,271,000 1,250,000 1,350,000 1,376,000 1,396,000    
      data processing expense
    		1,259,000 1,227,000 1,205,000 1,408,000 1,423,000 1,421,000 1,324,000 1,404,000 1,398,000 1,321,000 1,245,000 1,292,000 1,246,000 1,189,000 1,183,000 1,209,000 1,146,000 1,126,000 1,174,000 1,192,000 1,177,000 5,780,000 976,000 747,000 
      audit expense
    		617,000 545,000 654,000 403,000 319,000 359,000 365,000 446,000 417,000 392,000 419,000 366,000 379,000 362,000 359,000 356,000 391,000 363,000 -144,000 397,000 407,000    
      legal expense
    		1,483,000 1,863,000 1,957,000 1,055,000 633,000 821,000 740,000 1,203,000 949,000 958,000 703,000 907,000 1,474,000 794,000 1,499,000 1,251,000 2,044,000 2,054,000 1,005,000 994,000 2,229,000    
      fdic insurance
    		905,000 1,202,000 1,053,000 904,000 869,000 845,000 724,000 806,000 472,000 955,000 944,000 679,000 673,000 974,000 351,000 266,000 2,589,000 2,380,000 2,121,000 2,180,000 2,918,000    
      software
    		5,040,000 5,144,000 5,013,000 4,561,000 4,637,000 4,489,000 4,368,000 4,427,000 4,317,000 4,237,000 4,181,000 4,001,000 4,165,000 3,864,000 4,224,000 4,045,000 3,706,000 3,684,000 3,570,000 3,595,000 3,386,000    
      insurance
    		1,194,000 1,145,000 1,257,000 1,246,000 1,282,000 1,338,000 1,204,000 1,321,000 1,308,000 1,306,000 1,334,000 1,314,000 1,314,000 1,064,000 1,015,000 1,110,000 1,026,000 745,000 759,000 741,000 695,000    
      telecom and it network communications
    		304,000 308,000 333,000 283,000 354,000 271,000 272,000 305,000 363,000 376,000 338,000 368,000 377,000 374,000 342,000 413,000 409,000 405,000 437,000 392,000 402,000    
      consulting
    		430,000 436,000 456,000 418,000 562,000 578,000 526,000 448,000 642,000 322,000 360,000 339,000 260,000 303,000 474,000 448,000 240,000 264,000 350,000 410,000 346,000    
      total non-interest expense
    		56,404,000 57,223,000 53,294,000 53,255,000 51,446,000 46,712,000 45,610,000 47,459,000 49,943,000 48,030,000 43,475,000 44,830,000 42,845,000 38,352,000 43,200,000 39,384,000 43,883,000 41,883,000 41,783,000 42,026,000 42,620,000 45,816,000 10,362,000 7,701,000 
      income before income taxes
    		73,155,000 79,649,000 75,238,000 69,030,000 71,819,000 74,919,000 49,387,500 66,451,000 66,227,000 64,872,000               
      income tax expense
    		18,228,000 19,828,000 18,065,000 17,513,000 18,133,000 18,490,000 15,196,000 16,314,000 17,218,000 15,750,000 16,007,000 11,829,000 10,725,000 9,140,000 8,529,000 8,289,000 7,840,000 9,066,000 8,655,000 7,894,000     
      net income
    		54,927,000 59,821,000 57,173,000 51,517,000 53,686,000 56,429,000 44,028,000 50,137,000 49,009,000 49,122,000 40,241,000 30,604,000 30,402,000 28,966,000 26,992,000 28,261,000 29,435,000 25,965,000   20,068,000 1,275,000 2,827,000 3,854,000 
      yoy
    		2.31% 6.01% 29.86% 2.75% 9.54% 14.88% 9.41% 63.82% 61.20% 69.59% 49.08% 8.29% 3.29% 11.56%   46.68% 1936.47%       
      qoq
    		-8.18% 4.63% 10.98% -4.04% -4.86% 28.17% -12.18% 2.30% -0.23% 22.07% 31.49% 0.66% 4.96% 7.31% -4.49% -3.99% 13.36%    1473.96% -54.90% -26.65%  
      net income margin %
    		                        
      net income per share
    		1.2 1.28 1.21 1.06 1.05 1.07 0.82 0.93 0.89 0.89 0.72 0.54 0.54 0.51 0.48 0.49 0.51 0.45    -0.17 0.19 0.28 
      weighted-average shares - basic
    		45,865,172 46,598,535 47,214,050 48,759,369 50,937,055 52,747,140 54,506,065                  
      weighted-average shares - diluted
    		46,518,125 47,182,770 47,959,292 49,478,236 51,337,491 53,326,588 55,053,497                  
      benefit from credit losses on loans
    		   3,476,000 1,477,000 2,169,000                   
      net interest income after benefit from credit losses and provision reversal for unfunded commitments
    		   90,177,000 92,543,000                    
      write-downs and other losses on other real estate owned
    		                        
      provision reversal for unfunded commitments
    		    -225,000                    
      depreciation and amortization
    		    1,027,000 949,000 1,028,000 644,000 681,000 721,000 678,000 685,000 744,000 795,000 759,000 729,000 706,000 709,000 745,000 785,000 828,000    
      printing and supplies
    		    59,000 103,000 123,000 82,000 128,000 145,000 86,000 154,000 102,000 86,000 94,000 81,000 130,000 66,000 74,000 114,000 168,000    
      amortization of intangible assets
    		    100,000 99,000 100,000 99,000 100,000 99,000 100,000 99,000 100,000 99,000 100,000 99,000 100,000 99,000 115,000 147,000 147,000    
      net interest income after benefit from credit losses
    		     92,249,000 77,845,000 87,130,000 86,834,000 83,913,000 73,983,000 63,837,000  51,346,000 50,531,000 49,280,000 55,020,000 52,935,000 51,159,000 48,699,000 49,324,000    
      benefit from credit losses
    		      1,004,000 1,752,000  1,903,000 2,777,000 822,000  1,507,000 1,626,000 1,613,000 -951,000 822,000 554,000 1,297,000 922,000    
      legal settlement
    		            1,152,000            
      civil money penalty
    		           1,750,000             
      writedowns and other losses on other real estate owned
    		       131,000 165,000                
      benefit from (reversal of) credit losses
    		        361,000    -1,450,000            
      writedown on other real estate owned
    		         1,019,000               
      interest earning deposits
    		          719,000 1,525,000 1,004,000 347,000 65,000 167,000 300,000 183,000 49,000 106,000 107,000    
      income from continuing operations before income taxes
    		          56,248,000 42,433,000 41,127,000 38,106,000 35,557,000 36,484,000 36,998,000 35,126,000 32,676,000 31,025,000 27,070,000    
      net income from continuing operations
    		          40,241,000 30,604,000 30,402,000 28,966,000 27,028,000 28,195,000 29,158,000 26,060,000 24,021,000 23,131,000 20,283,000    
      discontinued operations
    		                        
      income from discontinued operations before income taxes
    		              -36,000 87,000 361,000 -124,000 -1,096,000 -1,671,000 -274,000    
      income from discontinued operations, net of tax
    		              -36,000 66,000 277,000 -95,000   -215,000    
      net interest income after benefit from (reversal of) credit losses
    		            56,019,000            
      income tax benefit
    		               21,000 84,000 -29,000 -1,246,000 -1,794,000     
      net realized and unrealized gains on commercial loans,
    		                        
      at fair value
    		              2,220,250 4,306,000 2,579,000        
      change in value of investment in unconsolidated entity
    		                        
      net realized and unrealized gains on commercial loans
    		                        
      originated for sale
    		                 1,996,000 1,538,000 684,000 -940,000    
      service fees on deposit accounts
    		                  7,000 8,000 5,000 1,226,000 149,000 228,000 
      sec settlement
    		                        
      lease termination expense
    		                        
      investment securities
    		                     401,500 1,606,000 1,647,000 
      federal funds sold
    		                     -114,000 348,000 405,000 
      securities sold under agreements to repurchase
    		                     12,000 14,000 12,000 
      subordinated debt
    		                     634,000 249,000  
      long term borrowings
    		                     500 2,000  
      benefit from loan and lease losses
    		                     11,650,000 1,350,000 750,000 
      net interest income after benefit from loan and lease losses
    		                     39,163,000 11,546,000 13,003,000 
      merchant credit card deposit fees
    		                     435,000 270,000 244,000 
      stored value processing
    		                     632,750 2,531,000  
      loss on sales of investment securities
    		                        
      leasing income
    		                     967,000 216,000 385,000 
      ach processing fees
    		                     485,000 58,000 61,000 
      occupancy expense
    		                     268,750 1,075,000 704,000 
      advertising
    		                     683,000 187,000 172,000 
      professional fees
    		                     130,000 520,000 416,000 
      amortization of intangible
    		                     62,500 250,000  
      net income before income tax
    		                     1,165,000 4,660,000 6,463,000 
      income tax
    		                     458,250 1,833,000 2,609,000 
      less preferred stock dividends and accretion
    		                     -3,743,000 -17,000 -17,000 
      income allocated to series a preferred shareholders
    		                     -5,250 -21,000 -31,000 
      net income available to common shareholders
    		                     -2,447,000 2,789,000 3,806,000 
      weighted-average number of common shares
    		                        
      basic
    		                      14,561,640  
      diluted
    		                      14,669,003  
      weighted-average shares—basic
    		                       13,812,944 
      weighted-average shares—diluted
    		                       14,301,852 
    The information provided in this report is taken from www.sec.gov and many other data providers. While we have conducted our best efforts to ensure that the parsed data is accurate, we cannot guarantee its accuracy. Please use caution and understand that any consequences of its use are your own responsibility.