7Baggers
Quarterly
Annual
    Unit: USD2025-06-30 2025-03-31 2024-12-31 2024-09-30 2024-06-30 2024-03-31 2023-12-31 2023-09-30 2023-06-30 2023-03-31 2022-12-31 2022-09-30 2022-06-30 2022-03-31 2021-12-31 2021-09-30 2021-06-30 2021-03-31 2020-12-31 2020-09-30 2020-06-30 2020-03-31 2019-12-31 2016-12-31 2013-12-31 2011-12-31 2011-03-31 2010-12-31 2010-06-30 2010-03-31 2009-12-31 2009-06-30 2009-03-31 2008-12-31 2008-03-31 2007-12-31 2007-06-30 2007-03-31 2006-12-31 
      
                                           
      cash flows from operating activities:
                                           
      net income
    21,513,000 21,021,000 22,426,000 18,215,000 19,953,000 20,713,000 20,707,000 19,546,000 17,603,000 15,908,000 22,193,000 25,433,000 17,147,000 15,845,000 16,140,000 17,015,000 15,981,000 23,009,000 25,002,000 13,578,000 26,840,000 17,257,000 25,642,000 19,610,000 16,024,000 8,459,000 2,224,000 -7,348,000 10,237,000 2,922,000 8,926,000 10,036,000 5,761,000 11,488,000 14,823,000 18,816,000 -17,257,000 11,987,000 15,831,000 
      adjustments to reconcile net income to net cash from operating activities:
                                           
      esop and stock-based compensation expense
    2,343,000 2,345,000 2,349,000 2,376,000 2,203,000 2,603,000 2,321,000 2,402,000 2,380,000 2,587,000 2,631,000 2,572,000 2,544,000 2,798,000 3,095,000 3,231,000 3,464,000 3,648,000 3,368,000 2,802,000 2,739,000 3,293,000 3,283,000 3,071,000 2,847,000 2,968,000 2,915,000 1,850,000 3,621,000 3,245,000 3,066,000         
      depreciation and amortization
    5,947,000 5,554,000 5,309,000 4,959,000 4,979,000 4,515,000 4,581,000 4,728,000 4,651,000 4,527,000 4,209,000 6,227,000 6,700,000 6,915,000 7,193,000 3,455,000 8,806,000 10,476,000 9,831,000 9,940,000 8,392,000 6,694,000 7,794,000 5,787,000 3,129,000 6,047,000 4,346,000 7,779,000 3,907,000 3,664,000 3,992,000 6,741,000 6,364,000 2,463,000 2,577,000 1,668,000 1,940,000 1,854,000 1,341,000 
      deferred income taxes
    8,000 30,000 -10,000 2,902,000 -82,000 -93,000 -25,000 3,906,000 -19,000 -110,000 -45,000 -25,883,000 -534,000 -462,000 3,000 -13,898,000 -737,000 623,000 -237,000 20,585,000 1,399,000 -118,000 -64,000   800,000            
      provision (release) for credit losses
      -1,500,000 1,000,000 -500,000 -1,000,000 -1,000,000 500,000 -1,000,000 -1,000,000 4,000,000 -1,000,000 -2,000,000 -2,000,000 -1,000,000 -4,000,000 -2,000,000                     
      net gain on the sale of loans
    -726,000 -1,187,000 -1,115,000 -1,101,000 -723,000 -442,000 -481,000 119,000 -21,000 -579,000 -17,000 1,113,000 51,000 -113,000 -2,187,000 -4,305,000 -3,423,000 -8,911,000 -16,443,000 -11,536,000 -10,844,000 -3,138,000 -2,925,000 -883,000 -339,000  -271,000 -19,710,000 -2,781,000 -2,968,000         
      other net (gains) losses
    -19,000  46,000 -9,000 239,000 26,000 17,000 58,000 -300,000 258,000 353,000 199,000 578,000 -282,000 388,000 5,000                     
      proceeds from sales of loans held for sale
    19,692,000 8,595,000 34,970,000 46,954,000 50,385,000 12,957,000 4,369,000 8,305,000 17,965,000 10,155,000 6,699,000 14,959,000 498,000 15,584,000 10,454,000 17,116,000 15,013,000 20,215,000 11,569,000 21,310,000 13,696,000 17,639,000 9,753,000                 
      loans originated and principal repayments on loans for sale
    -24,785,000 -9,821,000 -22,716,000  -65,613,000 -20,668,000 -2,123,000  -14,342,000 -9,922,000 -9,676,000  -1,846,000 6,168,000 -23,460,000                         
      increase in bank owned life insurance contracts
    -2,736,000 -2,825,000 -2,548,000 -2,311,000 -2,254,000 -2,193,000 -3,191,000 -2,835,000 -2,159,000 -2,123,000 -2,238,000 -2,127,000 -2,092,000 -2,077,000 -2,136,000  -2,118,000 -2,052,000 -1,662,000  -1,559,000 -1,551,000 -1,577,000 -1,607,000 -1,619,000  -1,586,000 -1,640,000            
      net decrease in interest receivable and other assets
    -1,372,000 -1,507,000 10,109,000            3,091,000         6,302,000 1,951,000 4,811,000       -2,062,000 10,855,000  10,013,000   2,395,000 
      net increase in accrued expenses and other liabilities
    5,368,000 -2,480,000 -1,710,000 -79,731,000 86,751,000 -2,826,000 8,969,000 3,929,000 13,289,000 -43,694,000 62,971,000 5,246,000 -1,467,000   -38,109,000 50,667,000 3,217,000 -871,000 7,459,000 1,813,000 -416,000 16,066,000 50,570,000 48,853,000 55,006,000  47,349,000 4,612,000 -50,363,000 50,146,000 7,883,000 -46,466,000 48,892,000  53,983,000   9,399,000 
      net cash from operating activities
    26,752,000 21,225,000 45,545,000 -58,680,000 96,743,000 14,211,000 36,326,000 13,826,000 33,770,000 -35,684,000 78,810,000 -12,184,000 10,443,000 33,013,000 7,657,000 -38,208,000 77,430,000 19,755,000 24,178,000 30,401,000 28,860,000 33,146,000 29,391,000 97,156,000 80,592,000 91,422,000 -34,081,000 85,715,000 -10,677,000 11,092,000 -1,876,000 -24,779,000 -47,453,000 119,642,000 -28,125,000 82,735,000 172,860,000 10,656,000 202,755,000 
      cash flows from investing activities:
                                           
      loans originated
    -1,092,530,000 -820,643,000 -799,167,000  -762,010,000 -581,483,000 -769,865,000  -963,356,000 -694,222,000 -857,810,000 -1,148,866,000 -1,616,745,000 -1,301,305,000 -1,206,814,000 -1,110,512,000 -1,098,149,000 -1,194,714,000 -1,471,386,000 -1,112,695,000 -1,173,829,000 -913,485,000 -1,055,571,000 -866,302,000 -535,266,000 -821,282,000 -471,828,000 -1,162,813,000 -688,175,000 -591,762,000 -527,250,000 -819,118,000 -1,983,270,000 -638,315,000 -583,526,000 -751,641,000 -700,352,000 -345,722,000 -566,006,000 
      principal repayments on loans
    810,905,000 734,446,000 733,146,000 731,821,000 708,209,000 622,352,000 649,526,000 736,917,000 635,345,000 606,445,000 626,555,000 794,951,000 850,040,000 807,734,000 994,804,000 1,109,109,000 1,100,394,000 1,175,873,000 1,371,385,000 1,195,831,000 1,071,051,000 699,840,000 583,081,000 618,202,000 437,672,000 539,416,000 395,994,000 625,397,000 564,342,000 487,422,000 351,264,000 448,091,000 1,450,052,000 280,637,000 200,152,000 465,984,000 370,593,000 502,600,000 207,479,000 
      proceeds from sales, principal repayments and maturities of:
                                           
      securities available for sale
    26,612,000 21,393,000 97,225,000 23,403,000 21,624,000 17,569,000 79,120,000 21,004,000 21,602,000 19,016,000 21,945,000 26,383,000 37,907,000 41,543,000 57,735,000 62,318,000 78,476,000 81,357,000 94,915,000 95,115,000 71,354,000 49,522,000 52,574,000 46,226,000 30,015,000 517,000 1,077,000 8,380,000 3,227,000 901,000 3,498,000 2,640,000 2,326,000 1,689,000 1,937,000 1,956,000 3,551,000 3,399,000 3,643,000 
      proceeds from sale of:
                                           
      loans
    19,890,000 62,936,000 47,802,000 19,621,000 6,410,000 15,176,000 84,975,000 10,617,000 5,467,000 5,170,000 12,381,000 9,656,000 702,000 16,895,000 60,418,000 99,551,000 129,957,000 288,914,000 221,277,000 202,207,000 263,625,000 99,119,000 200,923,000 67,467,000 11,079,000  8,023,000 507,378,000 167,085,000 122,636,000  712,117,000 132,244,000 184,314,000 62,639,000    
      real estate owned
    193,000 167,000 850,000 133,000 165,000 66,000 208,000 45,000 67,000 52,000 310,000 124,000 82,000 1,313,000 1,201,000 530,000 635,000 2,376,000 6,993,000 4,661,000 3,136,000 3,746,000 4,212,000 4,672,000 5,339,000 3,843,000 3,365,000 2,128,000      
      fhlb stock
    7,567,000 7,653,000 4,522,000 3,589,000 8,282,000 14,335,000 26,913,000 -14,243,000 -10,440,000 -10,125,000 -23,400,000      -935,000   -5,956,000 -1,279,000               
      purchases of:
                                           
      premises and equipment
    -1,726,000 -6,947,000 -637,000  -834,000 -812,000 -703,000  -1,585,000 -500,000 -1,963,000  -837,000 -384,000 -281,000  -211,000 -506,000 -518,000  -1,348,000 -947,000 -537,000 -365,000 -1,070,000 -1,014,000 -723,000 -874,000 -546,000 -1,939,000 -615,000 -1,713,000 -1,146,000 -956,000 -892,000 -1,693,000 21,013,000 -1,596,000 -2,054,000 
      other
    591,000 1,607,000 289,000 1,052,000 -294,000 -119,000 3,414,000 2,211,000 -369,000 457,000 116,000 -305,000 -67,000 1,534,000 165,000 480,000 2,504,000 29,000 563,000 -136,000 478,000 16,000  139,000 334,000 152,000 276,000 2,046,000 632,000 -176,000 1,232,000 -1,311,000 1,357,000 -532,000 -1,928,000 -467,000 -413,000 -696,000 
      net cash from investing activities
    -264,041,000 -43,600,000 -2,725,000 -111,870,000 -42,972,000 71,970,000 -41,837,000 -284,530,000 -377,172,000 -98,096,000 -248,833,000 -394,985,000 -806,744,000 -515,811,000 -157,555,000 92,854,000 131,356,000 270,326,000 52,820,000 344,643,000 184,205,000 -129,528,000 -251,744,000 -201,797,000 -95,985,000 -236,622,000 8,979,000 -434,002,000 374,219,000 60,959,000 -96,271,000 -20,524,000 247,756,000 -183,303,000 -225,690,000 -283,154,000 -512,266,000 -175,588,000 -114,142,000 
      cash flows from financing activities:
                                           
      net increase in deposits
    -51,844,000 192,205,000 14,431,000 167,734,000 89,299,000 11,530,000 463,767,000 374,889,000 66,979,000 -13,876,000 92,037,000 -237,425,000 149,382,000   -157,157,000 -87,649,000 47,811,000 -34,954,000 -4,557,000 142,300,000 86,891,000 234,536,000 -95,379,000   -37,372,000 -58,627,000 204,999,000 95,793,000 36,911,000 118,154,000 77,672,000 40,558,000 -7,915,000 125,158,000 132,307,000 168,339,000 119,417,000 
      net increase in borrowers' advances for insurance and taxes
      26,374,000        -8,180,000    33,705,000    30,712,000                     
      net increase in principal and interest owed on loans serviced
      10,665,000           -2,621,000 -5,821,000 13,782,000 -18,406,000 -4,766,000 4,971,000 2,702,000     -15,767,000 34,021,000 -189,702,000 8,027,000 -3,068,000 -31,886,000 37,190,000 -1,486,000   36,659,000 -209,000  2,154,000 970,000 
      net increase in short-term borrowed funds
    346,000,000 33,000,000 41,000,000 -35,000,000 -100,000,000 75,000,000 -717,000,000 -101,050,000 243,050,000 360,000,000 -85,000,000 120,000,000 540,000,000           249,175,000                
      proceeds from long-term borrowed funds
       150,000,000 575,000,000 350,000,000 200,000,000 150,000,000 100,000,000 150,000,000 75,000,000    100,000,000 150,000,000 100,000,000                
      repayment of long-term borrowed funds
    -150,390,000 -100,457,000 -175,673,000 -150,556,000 -25,438,000 -150,523,000 -100,805,000 -75,644,000 -493,000 -597,000 -1,142,000 -857,000 -666,000 -794,000 -1,329,000 -1,008,000 -888,000 -1,148,000 -1,645,000 -76,109,000 -40,795,000 -120,967,000 -112,239,000 -18,603,000                
      cash collateral/settlements received from (provided to) derivative counterparties
    -22,485,000 -37,906,000 58,260,000 -102,360,000 4,993,000 47,965,000 -97,809,000 54,583,000 102,696,000 -61,458,000 -7,677,000 36,817,000 34,245,000 61,918,000 29,114,000 20,169,000 5,111,000    -12,977,000 -129,338,000 27,921,000                 
      acquisition or net settlement of treasury shares
    -744,000 -767,000 -1,000                                    
      dividends paid to common shareholders
    -14,874,000 -14,898,000 -14,897,000 -14,750,000 -14,704,000 -14,728,000 -14,771,000 -14,561,000 -14,554,000 -14,513,000 -14,666,000 -14,480,000 -14,619,000 -14,479,000 -14,719,000 -14,285,000 -13,984,000 -14,293,000 -14,075,000 -14,029,000 -14,030,000 -14,031,000 -13,375,000 -6,432,000   -5,201,000 -5,192,000 -5,168,000 -5,238,000 -5,389,000 -3,870,000      
      net cash from financing activities
    226,287,000 20,027,000 -40,607,000 73,833,000 -87,670,000 -43,615,000 90,533,000 301,235,000 358,489,000 111,327,000 244,040,000 389,203,000 813,160,000 445,460,000 69,581,000 -146,465,000 -294,041,000 -124,601,000 -75,111,000 -206,290,000 -196,267,000 127,637,000 228,436,000 199,813,000 46,307,000 104,475,000 -128,399,000 -52,961,000 184,024,000 53,994,000 67,045,000 119,488,000 -193,746,000 23,320,000 24,028,000 123,055,000 41,348,000 1,114,560,000 114,158,000 
      net increase in cash and cash equivalents
    -11,002,000 -2,348,000 2,213,000 -96,717,000 -33,899,000 42,566,000 85,022,000 30,531,000 15,087,000 -22,453,000 74,017,000 -17,966,000 16,859,000 -37,338,000 -80,317,000 -91,819,000 -85,255,000 165,480,000 1,887,000 168,754,000 16,798,000 31,255,000 6,083,000 95,172,000 30,914,000          -229,787,000 -77,364,000 -298,058,000 949,628,000 202,771,000 
      cash and cash equivalents—beginning of period
    463,718,000  466,746,000  369,564,000  488,326,000  498,033,000  275,143,000 231,239,000 285,996,000 294,846,000 743,740,000 307,046,000 132,379,000 829,715,000    
      cash and cash equivalents—end of period
    -11,002,000 -2,348,000 465,931,000  -33,899,000 42,566,000 551,768,000  15,087,000 -22,453,000 443,581,000  16,859,000 -37,338,000 408,009,000  -85,255,000 165,480,000 499,920,000  16,798,000 31,255,000 281,226,000 326,411,000 316,910,000 254,121,000 -153,501,000 342,492,000 547,566,000 126,045,000 275,944,000 74,185,000 6,557,000 92,038,000 -229,787,000 752,351,000 -298,058,000 949,628,000 455,698,000 
      supplemental disclosure of cash flow information:
                                           
      cash paid for interest on deposits
    82,373,000 79,108,000 82,841,000 82,607,000 78,545,000 74,349,000 60,484,000 52,901,000 49,824,000 37,631,000 28,797,000 22,557,000 17,104,000 17,326,000 19,571,000 22,267,000 23,082,000 25,175,000 28,011,000 32,078,000 33,872,000 37,208,000 37,729,000 22,078,000 23,470,000 41,464,000 44,011,000 48,359,000 52,012,000 51,794,000 57,405,000 61,764,000 65,735,000 70,636,000 84,386,000 95,410,000 87,800,000 78,117,000 83,488,000 
      cash paid for interest on borrowed funds
    47,572,000 49,261,000 54,439,000 57,921,000 58,219,000 57,972,000 62,517,000 64,730,000 51,813,000 42,683,000 35,375,000 20,433,000 8,257,000 4,364,000 4,066,000 3,780,000 3,836,000 4,093,000 4,334,000 5,132,000 12,232,000 16,827,000 19,485,000 6,499,000 1,737,000 564,000 454,000 473,000 485,000 474,000 480,000 420,000 423,000 1,128,000      
      cash paid (received) for interest on interest rate swaps
    -13,700,000 -12,457,000 -18,173,000  -21,486,000 -23,244,000 -22,351,000  -15,119,000                               
      cash paid for income taxes
    4,636,000 7,031,000 113,000 1,957,000 3,089,000 10,415,000 220,000 4,332,000 5,134,000 11,882,000 428,000 14,186,000 11,748,000 13,382,000 286,000 5,759,000 10,957,000 9,029,000 27,000 15,000 9,000 1,628,000 21,000 218,000 508,000 4,500,000 4,500,000 3,100,000 3,300,000 5,500,000 6,000,000     7,500,000   
      supplemental schedules of noncash investing and financing activities:
                                           
      transfer of loans to real estate owned
          280,000 294,000 59,000 236,000 1,009,000 201,000 73,000 289,000 41,000 474,000 1,277,000 1,403,000 6,503,000 4,109,000 6,259,000 5,057,000 -1,159,000 6,113,000 7,435,000 9,472,000 4,944,000 6,519,000 4,832,000 6,099,000 4,932,000 3,515,000 2,524,000 
      transfer of loans from held for investment to held for sale
    39,270,000 65,817,000 43,702,000 17,304,000 12,323,000 15,726,000 84,868,000 10,644,000 5,433,000 5,098,000 12,368,000 9,922,000 723,000 923,000 74,509,000 110,674,000 74,797,000 236,390,000 277,056,000 184,613,000 297,656,000 97,096,000 198,694,000 66,968,000 11,095,000               
      transfer of loans from held for sale to held for investment
    1,327,000 7,754,000      6,666,000             25,027,000            
      treasury stock issued for stock benefit plans
    6,000 449,000 1,390,000 7,000 5,824,000 94,000 4,000 14,000 1,751,000 84,000 230,000 192,000 1,906,000 10,006,000 291,000 -10,882,000 5,895,000 -8,000 -176,000 928,000 32,000 749,000                
      net decrease in borrowers' advances for insurance and taxes
        -32,735,000 -9,601,000 -15,324,000  -28,529,000    -27,145,000    -27,970,000    -2,121,000 -6,166,000 -3,937,000 -5,645,000                
      net decrease in principal and interest owed on loans serviced
       11,886,000 -9,079,000 -3,258,000 -607,000 13,302,000 -10,656,000 -1,334,000 -1,413,000           -2,781,000 -1,406,000 -3,440,000          -570,000      
      net gain on sale of commercial property
                      -408,000 -4,257,000                 
      other net incomees
                        43,000 -500,000 -13,000 224,000 679,000 415,000     3,718,000 4,599,000 3,591,000 2,737,000 2,472,000 1,984,000  411,000 1,487,000 
      loans originated, purchased and principal repayments on loans held for sale
                                           
      net increase in interest receivable and other assets
           -15,658,000 -5,594,000 -11,491,000 -6,617,000 7,042,000 -14,730,000       -16,078,000 5,856,000 -2,043,000 -5,705,000      7,857,000 -5,423,000 -45,699,000      -21,185,000   
      loans originated or purchased
                                           
      premises, equipment and other assets
                     408,000 23,512,000                 
      premises, equipment, and software
                                           
      proceeds/(repayments) from fed funds purchased
                                           
      cash and cash equivalents—beginning of year
                                        252,927,000 
      cash and cash equivalents—end of year
                                           
      cash (received)/ paid for interest on interest rate swaps
                                           
      net decrease (increase) in interest receivable and other assets
        1,598,000 654,000 1,960,000         279,000 2,728,000 -7,005,000 11,695,000         925,000            
      net increase in fed funds purchased
            -150,000,000 -75,000,000                             
      acquisition of treasury shares
         -1,918,000 -342,000 -4,000 -713,000 -4,919,000 -248,000 -3,716,000                           
      loans originated and principal repayments on loans held for sale
                                           
      bank-owned life insurance
                   -70,000,000                     
      cash paid/(received) for interest on interest rate swaps
              -4,064,000                             
      proceeds from fed funds purchased
                                           
      cash paid for interest on interest rate swaps
               1,112,000 6,812,000 10,268,000 10,946,000                         
      net decrease in accrued expenses and other liabilities
                  -2,735,000                         
      net decrease in deposits
                  -60,005,000          -150,267,000 -57,397,000              
      net decrease in short-term borrowed funds
                  -60,000,000    -75,102,000                     
      purchase of treasury shares
                  -321,000     1,000 -19,000 -395,000 -17,670,000 -26,058,000  -1,810,000 -3,709,000 -25,519,000 -60,270,000      
      acquisition of treasury shares through net settlement
                  -1,043,000                         
      increase in cash surrender value for bank owned life insurance contracts
                                           
      loans originated for sale
                    -11,669,000 -19,853,000 -16,079,000  -19,515,000 -9,971,000 -15,606,000 -8,438,000 -7,143,000  -13,231,000 -84,382,000 -31,757,000 -86,538,000 -278,631,000 -217,154,000 -153,245,000 -50,324,000 -137,834,000 -42,315,000 -137,029,000 -165,787,000 
      proceeds from principal repayments and maturities of:
                                           
      acquisition of treasury shares through net settlement of stock benefit plans compensation
                    -131,000 -695,000 -2,945,000  -107,000 -221,000 -1,576,000 -2,193,000                
      cash collateral/settlements received from derivative counterparties
                      17,927,000                     
      provision (credit) for loan losses
                       6,000,000 -3,000,000                 
      cash collateral/settlements (provided to) received from derivative counterparties
                                           
      net increase(decrease) in short-term borrowed funds
                        -283,008,000 214,269,000 -51,093,000                 
      principal repayments on and proceeds from sales of loans held for sale
                           4,805,000 10,022,000  5,290,000 38,226,000 64,047,000 49,263,000  184,349,000 186,287,000 64,394,000 133,025,000 113,682,000 147,481,000 337,539,000 
      deferred income tax expense
                           13,000                
      benefit from loan losses
                            6,000,000 15,000,000 22,500,000 34,500,000 30,000,000 25,000,000 16,000,000 20,000,000 28,000,000 10,000,000 4,500,000 3,000,000 2,100,000 2,250,000 2,000,000 
      cash collateral received from derivative counterparties
                           17,702,000                
      excess tax benefit related to stock-based compensation
                             -16,000 -1,000 40,000 41,000         
      net increase in short term borrowed funds
                            124,225,000 124,633,000 99,993,000 -3,000  5,000         
      proceeds from long term borrowed funds
                            130,000,000               
      repayment of long term borrowed funds
                            -13,320,000              
      excess tax effect related to stock-based compensation
                            49,000               
      net decrease in borrowers’ advances for insurance and taxes
                            -2,506,000    -12,701,000 -4,761,000 -124,000 -18,298,000 -6,132,000 -2,035,000 53,000 -1,894,000  -453,000 -6,232,000 
      increase in and death benefits for bank owned life insurance contracts
                             -1,618,000   -1,623,000 -1,589,000 -1,606,000 -1,646,000 -1,600,000 -1,674,000 -1,623,000 -1,633,000    
      securities held to maturity
                             55,523,000 73,577,000 94,393,000 84,326,000 88,218,000 58,257,000 94,337,000 64,219,000 39,601,000 75,856,000 45,167,000 28,452,000 17,492,000 5,093,000 
      net increase in borrowers’ advances for insurance and taxes
                             3,218,000  3,643,000            
      net decrease in cash and cash equivalents
                             -40,725,000       6,557,000 -40,341,000      
      net decrease in long term borrowed funds
                                           
      mortgage servicing asset impairment
                               284,000    -3,972,000        
      other net gains
                               940,000            
      repayment of borrowings
                               -6,000,000            
      net decrease in cash and equivalents
                               -401,248,000   -31,102,000         
      mortgage servicing asset (recovery) impairment
                                -6,000           
      net decrease in short term borrowed funds
                                           
      net increase in long-term borrowed funds
                                   30,000,000        
      net increase in cash and equivalents
                                547,566,000           
      esop and stock-based compensation plans
                                   3,631,000 2,879,000 3,560,000      
      net gains on the sale of loans
                                   -9,413,000 -16,372,000 -3,078,000      
      principal repayments on and proceeds from sales of loans held for sale and mortgage-backed securities
                                           
      loans and mortgage-backed securities
                                           
      loans exchanged for mortgage-backed securities
                                   -79,551,000 890,049,000 321,024,000 250,692,000 195,461,000 140,607,000 230,804,000 467,779,000 
      net increase in short-term federal home loan bank advances
                                     29,507,000      
      net increase in long-term federal home loan bank advances
                                     20,000,000      
      esop shares allocated and committed to be released
                                           
      net (gain) loss on the sale of loans
                                      -1,255,000 -1,199,000    
      private equity fund
                                           
      net increase in stock subscription proceeds
                                           
      loan to esop
                                           
      net increase in short-term advances
                                         3,000 
      esop shares committed to be released
                                       2,840,000    
      contribution of stock to charitable foundation
                                           
      net income on the sale of loans
                                        630,000 -446,000 811,000 
      increase in and death benefits from bank owned life insurance contracts
                                        -1,595,000 -1,560,000 -1,565,000 
      death benefits on bank owned life insurance contracts
                                           
      net proceeds from sale of common stock
                                           
      net (decrease) in principal and interest owed on loans serviced
                                           
      net (decrease) in short-term advances
                                           
      cash paid for interest on federal home loan bank advances
                                        314,000 308,000 311,000 
      proceeds from sale of loans
                                         -153,680,000 360,789,000 
      proceeds from sale of private equity fund
                                         5,009,000 
      proceeds from sale of fhlb stock
                                           
    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.