TFS Financial Corporation
(NASDAQ:TFSL)

TFS Financial Corporation, through its subsidiaries, provides retail consumer banking services in the United States. Its deposit products include savings, money market, checking, individual retirement, and other qualified plan accounts, as well as certificates of deposit. The company also provides r...

Website: http://www.thirdfederal.com

Founded: 1938

Full Time Employees: 1,000

Sector: Financial Services

Industry: Banks-Regional

Commercial Banks Financial Services

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Unit: USD	2026-03-31	2025-12-31	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30	2023-06-30	2023-03-31	2022-12-31	2022-09-30	2022-06-30	2022-03-31	2021-12-31	2021-09-30	2021-06-30	2021-03-31	2020-12-31	2020-09-30	2020-06-30	2020-03-31	2019-12-31	2019-09-30	2019-06-30	2019-03-31	2018-12-31	2018-09-30	2018-06-30	2018-03-31	2017-12-31	2017-09-30	2017-06-30	2017-03-31	2016-12-31	2016-09-30	2016-06-30	2016-03-31	2015-12-31	2015-09-30	2015-06-30	2015-03-31	2014-12-31	2014-09-30	2014-06-30	2014-03-31	2013-12-31	2013-09-30	2013-06-30	2013-03-31	2012-12-31	2012-09-30	2012-06-30	2012-03-31	2011-12-31	2011-09-30	2011-06-30	2011-03-31	2010-12-31	2010-09-30	2010-06-30	2010-03-31	2009-12-31	2009-09-30	2009-06-30	2009-03-31	2008-12-31	2008-09-30	2008-06-30	2008-03-31	2007-12-31	2007-09-30

interest and dividend income:
loans, including fees	183,515,000	184,946,000	185,332,000	177,493,000	171,506,000	172,152,000	172,412,000	166,268,000	162,970,000	162,035,000	154,763,000	144,347,000	136,835,000	129,665,000	114,871,000	99,576,000	91,125,000	90,119,000	92,002,000	93,584,000	96,175,000	100,126,000	103,430,000	106,839,000	115,203,000	115,225,000	116,853,000	115,129,000	114,306,000	112,491,000	109,132,000	105,956,000	105,239,000	102,626,000	101,692,000	99,699,000	97,676,000	95,380,000	94,961,000	93,752,000	93,737,000	93,174,000	93,179,000	92,248,000	92,040,000	91,835,000	91,579,000	90,884,000	90,545,000	90,401,000	90,511,000	92,399,000	95,241,000	98,689,000	101,354,000	102,143,000	102,696,000	103,207,000	104,025,000	103,845,000	102,394,000	103,200,000	99,764,000	103,902,000	104,763,000	107,048,000	107,978,000	110,863,000	115,736,000	121,356,000	123,227,000	118,645,000	121,101,000	123,967,000
investment securities available for sale	3,985,000	4,241,000	4,708,000	4,816,000	4,755,000	4,455,000	4,694,000	4,663,000	4,476,000	4,395,000	4,141,000	3,712,000	3,455,000	3,062,000	1,904,000	1,282,000	1,355,000	960,000	1,041,000	828,000	966,000	987,000	1,535,000	2,397,000	2,911,000	2,864,000	3,093,000	3,389,000	3,494,000	3,124,000	2,895,000	2,891,000	2,759,000	2,589,000	2,468,000	2,522,000	2,198,000	1,853,000	1,983,000	2,374,000	2,562,000	2,471,000	2,250,000	2,218,000	2,548,000	2,555,000	2,482,000	2,325,000	2,305,000	2,100,000	1,489,000	1,260,000	1,079,000	1,113,000	1,382,000	543,000	33,000	37,000	42,000	43,000	44,000	111,000	133,000	150,000	153,000	113,000	146,000	176,000	210,000	258,000	273,000	388,000	502,000	558,000
other interest and dividend earning assets	7,969,000	8,585,000	9,013,000	9,098,000	9,691,000	10,161,000	11,410,000	13,975,000	16,047,000	10,729,000	9,836,000	8,598,000	7,262,000	6,243,000	4,236,000	1,913,000	981,000	1,011,000	1,033,000	979,000	814,000	816,000	797,000	722,000	1,412,000	1,963,000	2,367,000	2,525,000	2,643,000	2,673,000	2,491,000	2,271,000	2,182,000	2,014,000	1,817,000	1,500,000	1,209,000	981,000	928,000	867,000	846,000	786,000	993,000	1,206,000	1,059,000	1,346,000	503,000	547,000	495,000	518,000	545,000	545,000	515,000	586,000	539,000	566,000	551,000	557,000	512,000	527,000	502,000	793,000	1,006,000	664,000	580,000	569,000	585,000	456,000	408,000	448,000
total interest and dividend income	195,469,000	197,772,000	199,053,000	191,407,000	185,952,000	186,768,000	188,516,000	184,906,000	183,493,000	177,159,000	168,740,000	156,657,000	147,552,000	138,970,000	121,011,000	102,771,000	93,461,000	92,090,000	94,076,000	95,391,000	97,955,000	101,929,000	105,762,000	109,958,000	119,526,000	120,052,000	122,313,000	121,043,000	120,443,000	118,288,000	114,518,000	111,118,000	110,180,000	107,229,000	105,977,000	103,721,000	101,083,000	98,214,000	97,872,000	96,993,000	97,145,000	96,431,000	96,422,000	95,672,000	95,647,000	95,736,000	94,564,000	93,756,000	93,345,000	93,019,000	92,545,000	94,204,000	96,835,000	100,388,000	103,275,000	104,225,000	104,818,000	105,535,000	107,033,000	107,286,000	105,733,000	107,441,000	105,310,000	109,390,000	110,388,000	112,803,000	114,054,000	117,870,000	123,894,000	131,404,000
interest expense:
deposits	73,792,000	79,203,000	78,636,000	76,803,000	75,379,000	77,942,000	80,196,000	75,521,000	72,685,000	64,326,000	55,565,000	48,905,000	39,876,000	29,855,000	23,582,000	17,214,000	16,896,000	19,251,000	21,617,000	23,461,000	24,545,000	27,696,000	31,379,000	33,064,000	37,483,000	38,316,000	38,355,000	37,159,000	35,077,000	32,762,000	29,321,000	26,310,000	23,630,000	22,994,000	22,213,000	21,831,000	21,320,000	22,057,000	22,667,000	22,543,000	22,351,000	22,439,000	22,627,000	23,001,000	23,422,000	24,476,000	24,744,000	23,210,000	21,962,000	23,262,000	25,194,000	27,049,000	28,030,000	31,135,000	36,300,000	37,704,000	38,390,000	40,706,000	42,455,000	43,723,000	44,386,000	47,278,000	49,683,000	51,446,000	52,320,000	55,013,000	57,326,000	59,032,000	63,419,000	74,714,000	75,027,000	75,244,000	85,832,000	92,696,000
borrowed funds	43,871,000	42,889,000	43,094,000	39,610,000	38,524,000	40,498,000	39,605,000	40,112,000	39,430,000	43,741,000	42,812,000	38,973,000	38,408,000	33,958,000	21,920,000	14,255,000	13,824,000	14,995,000	15,061,000	14,852,000	14,999,000	15,490,000	24,217,000	14,015,000	17,005,000	17,551,000	19,628,000	18,366,000	17,605,000	17,714,000	16,215,000	14,535,000	14,852,000	14,247,000	13,656,000	11,618,000	9,477,000	7,927,000	7,579,000	7,061,000	7,035,000	6,351,000	5,815,000	5,082,000	4,803,000	4,124,000	3,088,000	2,674,000	2,349,000	1,962,000	1,272,000	1,027,000	875,000	837,000	672,000	657,000	643,000	574,000	562,000	518,000	446,000	477,000	484,000	480,000	474,000	485,000	554,000	485,000	479,000
total interest expense	117,663,000	122,092,000	121,730,000	116,413,000	113,903,000	118,440,000	119,801,000	115,633,000	112,115,000	108,067,000	98,377,000	87,878,000	78,284,000	63,813,000	45,502,000	31,469,000	30,720,000	34,246,000	36,678,000	38,313,000	39,544,000	43,186,000	55,596,000	47,079,000	54,488,000	55,867,000	57,983,000	55,525,000	52,682,000	50,476,000	45,536,000	40,845,000	38,482,000	37,241,000	35,869,000	33,449,000	30,797,000	29,984,000	30,246,000	29,604,000	29,386,000	28,790,000	28,442,000	28,083,000	28,225,000	28,600,000	27,832,000	25,884,000	24,311,000	25,224,000	26,466,000	28,076,000	28,905,000	31,972,000	36,972,000	38,361,000	39,033,000	41,280,000	43,017,000	44,241,000	44,832,000	47,755,000	50,167,000	51,926,000	52,794,000	55,498,000	57,880,000	59,517,000	63,898,000	75,852,000	76,530,000	75,263,000	85,832,000	92,696,000
net interest income	77,806,000	75,680,000	77,323,000	74,994,000	72,049,000	68,328,000	68,715,000	69,273,000	71,378,000	69,092,000	70,363,000	68,779,000	69,268,000	75,157,000	75,509,000	71,302,000	62,741,000	57,844,000	57,398,000	57,078,000	58,411,000	58,743,000	50,166,000	62,879,000	65,038,000	64,185,000	64,330,000	65,518,000	67,761,000	67,812,000	68,982,000	70,273,000	71,698,000	69,988,000	70,108,000	70,272,000	70,286,000	68,230,000	67,626,000	67,389,000	67,759,000	67,641,000	67,980,000	67,589,000	67,422,000	67,136,000	66,732,000	67,872,000	69,034,000	67,795,000	66,079,000	66,128,000	67,930,000	68,416,000	66,303,000	65,864,000	65,785,000	64,255,000	64,016,000	63,045,000	60,901,000	59,686,000	55,143,000	57,464,000	57,594,000	57,305,000	56,174,000	58,353,000	59,996,000	55,552,000	57,529,000	56,301,000	53,060,000	52,972,000
provision (release) for credit losses		-1,000,000	1,000,000	1,500,000	1,500,000	-1,500,000	1,000,000	-500,000	-1,000,000	-1,000,000	500,000			-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 interest income after provision (release) for credit losses	77,806,000	76,680,000	76,323,000	73,494,000	70,549,000	69,828,000	67,715,000	69,773,000	72,378,000	70,092,000				76,157,000	75,509,000	67,302,000	63,741,000	59,844,000	59,398,000	58,078,000	62,411,000	60,743,000
non-interest income:
fees and service charges, net of amortization	2,498,000	2,512,000	2,617,000	2,467,000	2,221,000	2,224,000	2,379,000	2,097,000	1,845,000	1,748,000	2,061,000	1,919,000	1,924,000	1,936,000	2,220,000	2,742,000	2,568,000	2,404,000	2,156,000	2,491,000	2,460,000	2,495,000	2,363,000	2,170,000	2,119,000	2,146,000	1,974,000	1,773,000	1,795,000	1,776,000	1,916,000	2,018,000	1,799,000	1,760,000	1,733,000	1,714,000	1,673,000	1,776,000	1,899,000	1,729,000	1,826,000	1,969,000	1,874,000	1,961,000	1,979,000	2,158,000	2,228,000	2,356,000	2,393,000	2,289,000	2,331,000	2,141,000	2,146,000	2,303,000	2,416,000	2,960,000	3,284,000	2,813,000	3,786,000	4,507,000	4,418,000	2,904,000	3,967,000	5,626,000	5,562,000	5,470,000	6,342,000	4,233,000	4,580,000
net gain on the sale of loans	1,744,000	2,329,000	2,314,000	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	764,000	543,000	451,000	111,000	311,000	2,529,000	65,000	478,000	711,000	259,000	330,000	883,000	1,585,000	1,834,000	1,917,000	825,000	1,182,000	1,495,000	1,144,000	698,000	486,000	673,000	533,000	339,000	10,000	3,978,000	1,257,000	3,022,000						201,000	271,000		-156,000	19,710,000	2,708,000	2,968,000	3,987,000	9,413,000	16,370,000	3,078,000	614,000	828,000	1,255,000
increase in and death benefits from bank owned life insurance contracts	2,718,000	2,764,000	2,650,000	2,733,000	2,680,000	2,682,000	2,361,000	2,254,000	2,193,000	3,191,000	2,204,000	2,790,000	2,123,000	2,238,000	2,761,000	2,090,000	2,222,000	2,911,000	2,146,000	2,361,000	3,807,000	1,647,000	1,572,000	1,559,000	2,461,000	1,561,000	1,571,000	1,703,000	1,874,000	1,547,000	1,557,000	1,538,000	1,509,000	1,554,000	1,583,000	1,703,000	1,559,000	1,604,000	1,613,000	1,612,000	1,841,000	2,343,000	2,232,000	1,592,000	1,599,000	1,901,000	1,633,000	1,610,000	1,583,000	1,613,000	1,671,000	1,611,000	1,577,000	1,605,000			1,610,000	1,612,000	1,681,000	1,621,000	1,579,000	1,640,000	1,671,000	1,623,000	1,589,000	1,608,000	1,674,000	1,646,000	1,597,000	1,674,000	3,376,000	1,659,000	1,605,000	1,657,000
other	477,000	443,000	580,000	1,122,000	980,000	482,000	579,000	1,171,000	1,242,000	895,000	954,000	1,113,000	703,000	966,000	514,000	896,000	688,000	652,000	74,000	1,174,000	530,000	876,000	1,581,000	749,000	1,229,000	5,298,000	1,490,000	1,064,000	786,000	1,242,000	1,101,000	1,106,000	1,243,000	1,052,000	1,098,000	1,128,000	990,000	1,105,000	927,000	933,000	1,119,000	980,000	998,000	1,078,000	1,173,000	1,196,000	1,231,000	1,071,000	1,025,000	837,000	1,279,000	1,094,000	1,126,000	1,317,000	1,277,000	1,779,000	1,517,000	1,284,000	1,580,000	1,667,000	1,666,000	2,376,000	1,274,000	1,363,000	1,441,000	1,472,000	1,997,000	1,721,000	1,605,000	1,850,000	1,232,000	1,780,000	1,824,000	1,816,000
total non-interest income	7,437,000	8,048,000	8,161,000	7,048,000	7,068,000	6,503,000	6,420,000	6,245,000	5,722,000	6,315,000	5,100,000	5,843,000	5,329,000	5,157,000	4,382,000	5,677,000	5,591,000	8,154,000	8,681,000	9,449,000	15,708,000	21,461,000	17,052,000	15,322,000	8,947,000	11,930,000	5,799,000	5,083,000	4,906,000	4,676,000	4,885,000	7,191,000	4,616,000	4,844,000	5,125,000	4,804,000	4,552,000	5,368,000	6,024,000	6,108,000	6,703,000	6,117,000	6,286,000	6,126,000	5,895,000	5,953,000	5,578,000	5,710,000	5,534,000	5,078,000	5,291,000	8,824,000	6,106,000	8,247,000	6,032,000	6,311,000	6,411,000	5,709,000	7,137,000	8,759,000	8,267,000	6,819,000	6,828,000	28,528,000	11,649,000	11,633,000	16,803,000	21,527,000	17,123,000	11,931,000	12,081,000	11,946,000	10,820,000	12,933,000
non-interest expense:
salaries and employee benefits	30,184,000	30,488,000	27,579,000	27,651,000	27,666,000	26,606,000	26,320,000	26,845,000	27,501,000	27,116,000	28,660,000	25,332,000	30,390,000	28,403,000	27,206,000	28,756,000	26,862,000	26,515,000	26,912,000	26,945,000	26,672,000	28,338,000	25,967,000	24,940,000	27,216,000	25,885,000	26,326,000	26,149,000	26,152,000	25,364,000	24,807,000	27,199,000	26,057,000	23,253,000	23,717,000	23,735,000	24,210,000	24,020,000	23,224,000	23,055,000	25,054,000	24,948,000	24,692,000	23,077,000	24,304,000	23,565,000	22,953,000	21,973,000	23,325,000	22,082,000	22,115,000	21,929,000	21,824,000	20,603,000	20,304,000	18,375,000	21,049,000	20,385,000	19,020,000	19,694,000	19,815,000	17,485,000	20,036,000	22,223,000	20,485,000	21,171,000	18,945,000	20,330,000	18,618,000	20,157,000	21,497,000	17,931,000	18,136,000	18,355,000
marketing services	4,026,000	6,239,000	4,537,000	5,810,000	4,632,000	3,654,000	5,334,000	4,867,000	5,099,000	4,431,000	3,881,000	7,023,000	6,671,000	7,713,000	4,256,000	4,830,000	6,551,000	5,626,000	4,043,000	4,073,000	5,325,000	5,733,000	4,349,000	3,673,000	4,029,000	4,461,000	1,785,000	6,063,000	6,719,000	4,797,000	2,914,000	5,284,000	6,016,000	5,038,000	5,204,000	5,183,000	4,791,000	4,535,000	3,805,000	4,499,000	4,331,000	4,321,000	2,519,000	7,200,000	5,685,000	4,500,000	4,151,000	3,492,000	3,360,000	3,253,000	3,512,000	3,219,000	3,127,000	3,125,000	2,669,000	2,376,000	2,377,000	2,377,000	1,439,000	2,102,000	2,103,000	2,101,000	1,072,000	920,000	2,026,000	2,025,000	-836,000	900,000	3,527,000	3,525,000	3,569,000	3,525,000	3,528,000	3,525,000
office property, equipment and software	7,932,000	7,756,000	5,528,500	7,653,000	7,617,000	6,844,000	5,289,000	7,008,000	7,303,000	6,845,000	5,212,000	7,246,000	6,802,000	6,800,000	5,056,250	6,762,000	6,824,000	6,639,000	4,814,250	6,427,000	6,395,000	6,435,000	4,714,250	5,877,000	6,534,000	6,446,000	5,013,250	6,806,000	6,261,000	6,986,000	5,128,500	7,135,000	6,728,000	6,651,000	4,492,250	5,985,000	6,111,000	5,873,000	4,406,500	5,924,000	5,939,000	5,763,000	4,129,000	5,465,000	5,658,000	5,393,000	3,878,500	5,242,000	5,283,000	4,989,000	3,829,500	5,004,000	5,293,000	5,021,000	3,865,750	5,392,000	5,073,000	4,998,000	3,745,750	4,986,000	4,887,000	5,110,000	3,915,250	5,046,000	5,362,000
federal insurance premium and assessments	3,552,000	3,247,000	3,388,000	3,519,000	3,673,000	3,585,000	3,522,000	3,258,000	4,013,000	3,778,000	3,629,000	3,574,000	3,488,000	2,761,000	2,722,000	2,351,000	2,276,000	2,012,000	2,233,000	2,139,000	2,323,000	2,390,000	2,438,000	2,800,000	2,768,000	2,619,000	2,627,000	2,669,000	2,370,000	2,766,000	2,663,000	2,800,000	3,008,000	2,718,000	2,588,000	2,531,000	2,664,000	2,272,000	2,161,000	2,393,000	2,994,000	2,829,000	2,780,000	3,006,000	2,888,000	2,461,000	2,415,000	2,402,000	2,547,000	2,547,000	3,184,000	2,878,000	3,243,000	3,714,000	2,694,750	3,390,000
state franchise tax	1,146,000	1,067,000	1,117,000	1,204,000	1,199,000	1,047,000	1,086,000	1,244,000	1,238,000	1,176,000	1,185,000	1,230,000	1,268,000	1,208,000	1,201,000	1,197,000	1,237,000	1,224,000	1,202,000	1,151,000	1,159,000	1,151,000	1,176,000	1,191,000	1,191,000	1,132,000	1,231,000	1,265,000	1,282,000	1,262,000	1,189,000	1,176,000	1,284,000	1,126,000	1,246,000	1,318,000	1,317,000	1,354,000	1,327,000	1,240,000	1,444,000	1,448,000	1,514,000	1,449,000	1,548,000	1,403,000	1,587,000	1,498,000	1,731,000	1,687,000	1,651,000	1,564,000	1,749,000	1,663,000	1,662,000	1,672,000	1,716,000	989,000	979,000	1,459,000	1,428,000	939,000	893,000	1,329,000	1,338,000	1,042,000	1,049,000	1,211,000	1,215,000	1,562,000	1,384,000	1,657,000	1,663,000	707,000
other expenses	8,559,000	7,433,000	8,188,000	7,348,000	6,301,000	6,205,000	7,664,000	7,566,000	7,044,000	6,931,000	7,243,000	8,472,000	6,955,000	6,309,000							6,936,000						5,416,000	6,916,000	7,943,000	6,805,000	6,742,000	7,311,000	6,059,000	6,407,000
total non-interest expense	55,399,000	56,230,000	52,045,000	53,185,000	51,088,000	47,941,000	51,084,000	50,788,000	52,198,000	50,277,000	51,484,000	52,877,000	55,574,000	53,194,000	48,742,000	51,756,000	49,975,000	47,673,000	47,446,000	47,850,000	48,810,000	51,729,000	50,563,000	44,833,000	49,558,000	47,320,000	45,098,000	49,868,000	50,727,000	47,980,000	45,420,000	51,429,000	49,688,000	45,776,000	47,179,000	44,669,000	45,294,000	45,262,000	42,054,000	44,976,000	46,341,000	47,633,000	45,371,000	47,819,000	48,829,000	45,973,000	44,837,000	42,849,000	44,931,000	42,859,000	43,631,000	46,266,000	45,229,000	42,534,000	44,517,000	40,742,000	43,320,000	42,479,000	41,584,000	39,552,000	43,975,000	42,944,000	41,820,000	40,681,000	39,333,000	40,099,000	35,602,000	45,822,000	40,745,000	40,219,000	41,997,000	39,331,000	36,016,000	34,103,000
income before income taxes	29,844,000	28,498,000	32,439,000	27,357,000	26,529,000	28,390,000	23,051,000	25,230,000	25,902,000	26,130,000	23,479,000	21,745,000	20,023,000	28,120,000	31,149,000	21,223,000	19,357,000	20,325,000	20,633,000	19,677,000	29,309,000	30,475,000	16,655,000	33,368,000	18,427,000	31,795,000	27,031,000	22,733,000	25,940,000	26,508,000	30,447,000	28,035,000	30,626,000	32,056,000	35,054,000	34,407,000	35,544,000	28,336,000	34,596,000	31,521,000	29,121,000	27,125,000	34,895,000	25,896,000	23,488,000	25,116,000	23,473,000	26,733,000	24,637,000	24,014,000	23,739,000	23,686,000	18,807,000	16,129,000	-1,182,000	433,000	1,876,000	12,485,000	10,569,000	9,752,000	2,693,000	-10,939,000	-14,849,000	15,311,000	4,910,000	12,839,000	-19,625,000	14,058,000	8,374,000	17,264,000	18,613,000	10,916,000	23,364,000	28,802,000
income tax expense	6,597,000	6,224,000	6,440,000	5,844,000	5,508,000	5,964,000	4,836,000	5,277,000	5,189,000	5,423,000	3,933,000	4,142,000	4,115,000	5,927,000	5,716,000	4,076,000	3,512,000	4,185,000	3,618,000	3,696,000	6,300,000	5,473,000	3,077,000	6,528,000	1,170,000	6,153,000	5,514,000	4,476,000	5,810,000	6,175,000	8,842,000	7,160,000	7,312,000	12,443,000	12,036,000	11,619,000	12,083,000	8,726,000	11,790,000	10,901,000	9,845,000	9,274,000	11,872,000	8,638,000	7,822,000	8,472,000	7,622,000	9,102,000	8,252,000	7,990,000			6,017,000	4,976,000					2,090,000	3,767,000						3,913,000	-6,735,000	4,022,000	2,613,000	5,776,000			8,541,000	9,986,000
net income	23,247,000	22,274,000	25,999,000	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	21,517,000	18,257,000	20,130,000	20,333,000	21,605,000	20,875,000	23,314,000	19,613,000	23,018,000	22,788,000	23,461,000	19,610,000	22,806,000	20,620,000	19,276,000	17,851,000	23,023,000	17,258,000	15,666,000	16,644,000	15,851,000	17,631,000	16,385,000	16,024,000	15,769,000	16,247,000	12,790,000	11,153,000	1,106,000	892,000	1,022,000	8,459,000	8,479,000	5,985,000	2,224,000	-7,348,000	-10,747,000	10,237,000	2,922,000	8,926,000	-12,890,000	10,036,000	5,761,000	11,488,000	14,061,000	6,790,000	14,823,000	18,816,000
yoy	10.59%	-0.68%	42.73%	7.82%	1.49%	8.30%	-6.81%	13.35%	30.20%	-6.70%	-23.15%	2.66%	0.40%	37.50%	49.47%	7.30%	-31.14%	-35.45%	25.31%	-40.46%	33.33%	-2.50%	-36.90%	47.01%	-14.27%	26.11%	-0.41%	-12.54%	-13.66%	3.67%	-6.14%	-8.39%	-0.63%	0.02%	0.93%	10.51%	21.71%	9.85%	-0.94%	19.48%	23.04%	7.25%	45.25%	-2.12%	-4.39%	3.87%	0.52%	8.52%	28.11%	43.67%	1325.77%	1721.41%	1151.47%	31.85%	-86.96%	-85.10%	-54.05%	-215.12%	-178.90%	-41.54%	-23.89%	-182.32%	-16.63%	2.00%	-49.28%	-22.30%	-191.67%	47.81%	-61.13%	-38.95%
qoq	4.37%	-14.33%	20.85%	2.34%	-6.27%	23.12%	-8.71%	-3.67%	0.03%	5.94%	11.04%	10.66%	-28.32%	-12.74%	48.32%	8.22%	-1.83%	-5.14%	6.47%	-30.54%	-7.97%	84.14%	-49.41%	55.53%	-32.70%	19.17%	17.86%	-9.30%	-1.00%	-5.89%	3.50%	-10.46%	18.87%	-14.79%	1.01%	-2.87%	19.64%	-14.01%	10.60%	6.97%	7.98%	-22.46%	33.40%	10.16%	-5.88%	5.00%	-10.10%	7.60%	2.25%	1.62%	-2.94%	27.03%	14.68%	908.41%	23.99%	-12.72%	-87.92%	-0.24%	41.67%	169.11%	-130.27%	-31.63%	-204.98%	250.34%	-67.26%	-169.25%	-228.44%	74.21%	-49.85%	-18.30%	107.08%	-54.19%	-21.22%
earnings per share—basic and diluted	0.08	0.08	0.058	0.08	0.07	0.08	0.055	0.07	0.07	0.07	0.05	0.06	0.06	0.08	0.043	0.06	0.06	0.06	0.058	0.06	0.08	0.09	0.063	0.1	0.06	0.09					0.058	0.07	0.08	0.07	0.09	0.08	0.08	0.07	0.08	0.07	0.07	0.06	0.08	0.06	0.05	0.06	0.05	0.06	0.05	0.05	0.05	0.05	0.04	0.04	0.01
weighted-average shares outstanding																																																																										322,327,418
basic	278,858,428	278,754,792	278,715,769	278,832,875	278,729,388	278,538,110	278,178,496	278,291,376	278,183,041	277,841,526	277,436,382	277,472,312	277,361,293	277,320,904	277,370,762	277,453,439	277,423,493	277,225,121	276,694,594	276,864,229	276,716,978	276,216,596	275,859,660	275,956,011	275,835,243	275,578,184	275,395,529	275,384,635	275,359,201	275,376,254	275,590,053	275,468,237	275,656,445	275,816,329	277,213,258	277,056,490	277,787,284	277,925,724	281,566,648	280,815,430	282,314,098	283,834,670	289,935,861	288,553,691	291,377,147	293,797,138	298,974,062	298,681,954	300,261,921	300,634,212	301,832,758	301,913,844	301,753,966	301,576,327	301,226,639	301,274,602	301,153,080	301,044,732	300,358,096	300,347,978	300,215,753	300,140,571	299,795,588	299,826,025	299,693,766	299,658,526	301,227,599	300,245,981	301,523,835	303,432,538	319,386,915
diluted	279,934,262	279,908,875	279,758,525	279,873,274	279,719,382	279,578,652	279,143,524	279,221,360	279,046,837	279,001,898	278,583,454	278,590,810	278,499,145	278,462,937	278,686,365	278,555,759	278,819,539	278,903,373	278,576,254	278,931,432	278,593,303	278,028,072	277,803,058	277,521,881	278,101,329	277,888,588	277,374,426	277,398,486	277,343,155	277,073,317	277,298,425	277,200,873	277,256,178	277,624,291	279,268,768	278,986,397	279,911,556	280,272,455	283,785,713	283,011,869	284,486,177	286,340,053	292,210,417	290,759,754	293,342,875	296,128,813	300,556,767	300,533,021	301,529,980	301,868,676	302,746,766	302,926,219	302,651,575	302,244,741	301,770,338	301,936,577	301,706,570	301,416,252	300,969,844	301,147,673	300,957,564	300,140,571	300,252,913	300,557,738	300,299,201	300,150,676	301,592,405	300,638,781	301,871,344	303,778,688	319,502,094
net interest income after (release) for credit losses											53,801,000	68,779,000	70,268,000
(release) for credit losses													-1,000,000
other incomes															4,935,500	7,860,000	6,225,000	5,657,000	6,603,000	7,115,000		7,682,000	10,194,000	6,352,000	7,820,000	6,777,000
provision (credit) for loan losses																									6,000,000	-3,000,000	-2,000,000	-2,000,000	-4,000,000	-2,000,000	-2,000,000	-2,000,000	-4,000,000	-3,000,000	-7,000,000	-4,000,000
net interest income after provision (credit) for loan losses																							50,166,000	62,879,000	59,038,000	67,185,000	66,330,000	67,518,000	71,761,000	69,812,000	70,982,000	72,273,000	75,698,000
earnings per share - basic and diluted																											0.053	0.06	0.07	0.07																												0.03		0.02	0.01	-0.02	0.018	0.03	0.01	0.03
real estate owned expense																															722,000	524,000	536,000	583,000	929,000	376,000	829,000	1,051,000	72,000	1,826,000	1,713,000	2,161,000	2,717,000	1,653,000	2,635,000	2,700,000	2,369,000	2,015,000	3,008,000	1,945,000	1,956,000	2,087,000	1,516,000	1,165,000	1,759,000	2,424,000	1,672,000	2,335,000	2,155,000	1,994,000	1,987,000	1,925,000	1,297,000	1,380,000	927,000	1,735,000	2,131,000	1,582,000	2,232,000	1,973,000
net interest income after provision for loan losses																																		72,988,000	77,108,000	74,272,000	76,286,000	68,230,000	70,626,000	70,389,000
other operating expenses																																			4,267,500	5,541,000	5,372,000	6,157,000	5,229,000	6,039,000	4,866,000	6,163,000	5,617,000	5,969,000	6,111,000	5,951,000	6,182,000	6,227,000	5,677,000	6,356,000	5,027,000	8,860,000	7,375,000	6,560,000	8,885,000	6,791,000	6,758,000	6,528,000	7,281,000	5,553,000	7,908,000	9,399,000	7,668,000	5,544,000	4,881,000	4,664,000	5,557,000	6,374,000	5,877,000	5,639,000	1,735,000	9,322,000	7,586,000	6,366,000
provision for loan losses																																					-6,000,000		-3,000,000	-3,000,000
benefit from loan losses																																									-1,000,000	-1,000,000	-6,000,000		1,000,000	2,000,000	4,000,000	4,000,000	5,000,000	6,000,000	4,000,000	5,000,000	10,000,000	18,000,000	29,000,000	31,000,000	27,000,000	15,000,000	19,000,000	22,500,000	22,500,000	34,500,000	35,000,000	30,000,000	25,000,000	16,000,000	57,000,000	20,000,000	28,000,000	10,000,000	9,000,000	18,000,000	4,500,000	3,000,000
net interest income after benefit from loan losses																																									68,759,000	68,641,000	73,980,000	67,589,000	66,422,000	65,136,000	62,732,000	63,872,000	64,034,000	61,795,000	62,079,000	61,128,000	57,930,000	50,416,000			38,785,000	49,255,000	45,016,000	40,545,000	38,401,000	25,186,000	20,143,000	27,464,000	32,594,000	41,305,000	-826,000	38,353,000	31,996,000		48,529,000	38,301,000	48,560,000	49,972,000
investment securities held to maturity																																																								973,000	1,538,000	1,734,000	2,454,000	2,871,000	2,793,000	3,337,000	4,407,000	4,674,000	4,892,000	5,073,000	5,345,000	6,374,000	7,540,000	9,342,000	9,811,000	10,471,000	11,329,000	11,636,000
appraisal and other loan review expenses																																																			495,000	725,000	1,102,000						694,000	1,005,000
income tax benefit																																																			4,608,000	7,439,000					854,000	4,026,000			469,000										5,663,250	4,126,000
interest income:
non-interest income
non-interest expense
appraisal and other loan review expense																																																						683,000	618,750	322,000	1,163,000	990,000
net interest income after benefit from
loan losses																																																							30,726,000	34,864,000
increase in bank owned life insurance contracts																																																							1,207,250	1,607,000
income on private equity investments																																																							-4,000	-35,000			90,000	763,000	31,000	183,000	123,000	200,000	231,000	115,000	207,000	542,000	-463,000	-1,107,000
income tax (benefit) expense																																																							1,105,250	-459,000						-3,591,000
federal insurance premium and assesments																																																									3,512,000	3,877,000
federal insurance premium																																																											4,925,000	2,759,000	5,847,000	5,985,000	6,136,000	4,239,000	4,314,000	4,209,000	3,390,000	9,771,000	3,747,000	2,010,000	2,119,000	1,964,000	663,000	631,000
mortgage servicing assets recovery																																																													302,000		12,750	6,000	118,000		-649,000	3,972,000
mortgage servicing assets impairment																																																														-284,000							-6,566,000
income taxes																																																															2,743,750	5,074,000	1,988,000
office property, equipment, and software																																																																		5,253,000	5,366,000	5,654,000	5,529,000	5,353,000	5,406,000	4,932,000	4,440,000	4,519,000
federal funds sold																																																																				1,000			5,000	1,254,000	4,980,000	8,246,000
earnings per share - basic and fully diluted																																																																			0.023	0.03	0.02		0.033	0.02	0.05
federal home loan bank advances																																																																						1,138,000	1,503,000	19,000
net interest income after benefit from loan
losses																																																																						45,552,000
fees and service charges																																																																						6,436,000	6,542,000	6,521,000	6,049,000	6,333,000
earnings per share—basic and fully diluted																																																																						0.04				0.06
other interest earning assets																																																																							743,000	806,000	980,000	1,261,000
total interest income																																																																							134,059,000	131,564,000	138,892,000	145,668,000
net income on private equity investments																																																																							317,000	1,158,000	87,000	1,928,000
contribution to charitable foundation
weighted-average shares outstanding - basic and fully diluted																																																																								320,510,396	322,542,871
gain on the sale of loans																																																																										1,199,000
weighted-average shares outstanding																																																																										322,327,418

Balance Sheets:

Quarterly

Annual

Unit: USD	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30	2023-06-30	2023-03-31	2022-12-31	2022-09-30	2022-06-30	2022-03-31	2021-12-31	2021-09-30	2021-06-30	2021-03-31	2020-12-31	2020-09-30	2020-06-30	2020-03-31	2019-12-31	2019-09-30	2019-06-30	2019-03-31	2017-12-31	2017-03-31	2016-12-31	2016-06-30	2016-03-31	2015-12-31	2015-09-30	2015-06-30	2015-03-31	2014-12-31	2014-09-30	2014-06-30	2014-03-31	2013-12-31	2013-09-30	2013-06-30	2013-03-31	2012-12-31	2012-09-30	2012-06-30	2012-03-31	2011-12-31	2011-09-30	2011-06-30	2011-03-31	2010-12-31	2010-09-30	2010-06-30	2010-03-31	2009-12-31	2009-06-30	2009-03-31	2008-12-31	2008-03-31	2007-12-31	2007-06-30	2007-03-31	2006-12-31

selected financial condition data:
total assets	17,456,316,000	17,375,666,000	17,111,720,000	17,057,586,000	17,049,941,000	17,034,940,000	17,017,150,000	17,053,791,000	16,250,406,000	16,594,988,000	16,261,680,000	16,128,977,000	14,742,383,000	15,405,209,000	14,580,889,000	14,132,511,000	14,484,275,000	14,236,701,000	14,464,784,000	14,572,833,000	14,861,976,000	14,834,743,000	15,002,343,000	14,806,191,000	14,542,356,000	14,371,739,000	14,206,627,000	13,887,880,000	13,406,192,000	13,189,875,000	12,624,350,000	12,466,565,000		12,763,701,000			12,067,843,000	11,803,195,000	11,716,018,000	11,534,441,000	11,381,447,000	11,269,346,000	11,136,540,000	11,121,761,000	11,379,628,000	11,518,125,000	11,494,997,000	11,286,768,000	11,058,126,000	10,892,948,000	10,877,541,000	10,885,060,000	11,064,672,000	11,076,027,000	10,940,202,000	10,737,175,000	10,727,574,000	10,783,140,000	10,644,880,000	10,875,754,000	10,460,827,000	10,476,910,000	10,016,373,000	8,902,387,000	8,733,145,000
cash and cash equivalents	429,439,000	452,581,000	463,583,000	465,931,000		560,435,000	594,334,000	551,768,000		436,215,000	421,128,000	443,581,000		387,530,000	370,671,000	408,009,000		580,145,000	665,400,000	499,920,000		329,279,000	312,481,000	281,226,000	275,143,000	271,348,000	259,240,000	323,565,000	240,764,000	326,411,000	201,313,000	159,282,000	159,622,000		224,203,000	220,735,000	275,820,000	181,403,000	255,510,000	267,802,000	316,910,000	285,996,000	296,979,000	284,146,000	333,554,000	308,262,000	318,352,000	342,415,000	254,121,000	294,846,000	277,569,000	188,991,000	342,492,000	743,740,000	949,555,000	401,989,000	275,944,000	172,780,000	98,595,000	92,038,000	522,564,000	752,351,000	1,107,268,000		455,698,000
investment securities available for sale	520,659,000	525,212,000	533,923,000	507,710,000		522,967,000	520,172,000	525,175,000		513,303,000	482,576,000	473,131,000		449,874,000	443,222,000	423,842,000		419,444,000	421,021,000	447,609,000		514,330,000	545,484,000	553,997,000	547,864,000	564,945,000	574,572,000	538,991,000	536,178,000	524,175,000	530,153,000	568,918,000	588,406,000		569,352,000	586,091,000	580,467,000	568,868,000	524,314,000
mortgage loans held for sale	57,662,000	30,977,000	5,803,000	829,000		30,391,000	9,698,000	1,095,000		595,000	4,398,000	12,549,000		1,314,000		38,064,000		6,931,000	63,441,000	111,288,000		51,139,000																														8,080,000		25,027,000	115,853,000	65,973,000	98,210,000	263,168,000	205,970,000	172,171,000
loans held for investment	15,663,312,000																																																												8,477,251,000
bank owned life insurance contracts	325,149,000	322,595,000	320,728,000	320,032,000		315,710,000	313,458,000	311,848,000		310,498,000	308,339,000	306,216,000		302,334,000	300,268,000	298,398,000		295,235,000	294,022,000	294,565,000		221,327,000	219,768,000	219,041,000	217,481,000	215,909,000	214,619,000	207,426,000	203,283,000	201,724,000	198,533,000	196,973,000	195,890,000		194,675,000	193,083,000	191,484,000	190,152,000	188,520,000	186,909,000	185,326,000	183,724,000	182,058,000	180,460,000	178,882,000	177,279,000	175,620,000	174,013,000	172,457,000	170,845,000	169,172,000	167,552,000	165,974,000	164,334,000	162,672,000	161,049,000	159,460,000	156,196,000	154,550,000	152,948,000	147,754,000	146,131,000	143,654,000		140,825,000
total liabilities	15,562,392,000	15,487,660,000	15,215,063,000	15,143,309,000	15,117,351,000	15,119,876,000	15,109,653,000	15,187,064,000	14,369,110,000	14,708,864,000	14,427,204,000	14,279,388,000	12,939,869,000	13,592,155,000	12,785,141,000	12,379,141,000	12,787,036,000	12,526,985,000	12,761,313,000	12,915,001,000	13,153,364,000	13,179,267,000	13,347,179,000	13,077,242,000	12,845,602,000	12,661,257,000	12,470,642,000	12,187,202,000	11,727,802,000	11,524,542,000	10,945,352,000	10,776,158,000	10,688,194,000	10,965,446,000	10,498,231,000	10,343,268,000	10,255,150,000	9,963,738,000	9,851,154,000	9,650,313,000	9,519,007,000	9,397,869,000	9,284,609,000	9,286,377,000	9,559,584,000	9,711,275,000	9,689,557,000	9,486,965,000	9,262,166,000	9,119,024,000	9,111,154,000	9,132,078,000	9,317,096,000	9,323,130,000	9,178,675,000	8,984,638,000	8,976,377,000	9,006,396,000	8,872,173,000	9,080,910,000	8,440,363,000	8,468,773,000	8,056,170,000	7,867,559,000	7,704,497,000
deposits	10,446,968,000	10,341,499,000	10,397,645,000	10,207,257,000		10,025,977,000	9,935,631,000	9,921,056,000		9,069,069,000	9,002,867,000	9,014,295,000		9,157,648,000	9,008,347,000	8,933,279,000		9,150,762,000	9,238,411,000	9,190,600,000		9,230,111,000	9,087,811,000	9,000,920,000	8,766,384,000	8,714,469,000	8,732,790,000	8,207,351,000	8,188,005,000	8,235,989,000	8,368,900,000	8,317,813,000					8,539,214,000	8,653,878,000	8,703,221,000	8,415,490,000	8,314,232,000	8,464,499,000	8,630,530,000	8,757,282,000	8,804,495,000	8,981,419,000	8,957,149,000	8,823,176,000	8,658,513,000	8,715,910,000	8,701,896,000	8,755,942,000	8,793,314,000	8,851,941,000	8,908,209,000	8,703,210,000	8,607,417,000	8,497,485,000	8,379,331,000	8,301,659,000	8,258,458,000	8,266,373,000	7,821,140,000		7,520,494,000
borrowed funds	4,870,219,000	4,882,993,000	4,587,327,000	4,656,323,000	4,985,484,000	4,829,365,000	4,955,438,000	5,030,561,000	5,114,045,000	5,452,228,000	5,204,964,000	4,987,287,000	3,671,323,000	4,246,188,000	3,555,325,000	3,180,614,000	3,303,925,000	3,142,705,000	3,293,717,000	3,444,998,000	3,785,026,000	3,759,148,000	4,082,951,000	3,889,649,000	3,902,981,000	3,833,600,000	3,590,072,000	3,758,855,000	3,366,189,000	3,049,367,000	2,442,892,000	2,283,375,000	2,164,225,000	2,312,977,000	1,899,080,000	1,667,753,000	1,504,705,000	1,138,639,000	1,017,400,000	1,070,132,000	986,022,000	745,117,000	475,062,000	315,919,000	468,000,000	488,191,000	569,733,000	419,094,000	264,489,000	139,856,000	185,129,000	168,148,000	64,155,000	70,158,000	70,158,000	70,163,000	70,163,000	190,158,000	160,093,000
shareholders’ equity	1,893,924,000				1,932,590,000				1,881,296,000				1,802,514,000				1,697,239,000				1,708,612,000													1,798,255,000
assets
cash and due from banks		28,788,000	36,429,000	32,582,000		29,411,000	27,381,000	45,858,000		23,278,000	28,468,000	31,515,000		29,995,000	24,395,000	23,885,000		27,410,000	23,424,000	29,512,000		32,777,000	27,803,000	25,935,000	31,728,000	28,749,000	29,055,000	34,418,000	29,025,000	39,521,000	29,990,000	29,418,000					28,149,000	26,886,000	38,100,000	35,366,000	30,843,000	34,694,000	34,401,000	31,982,000	46,795,000	38,914,000	42,597,000	43,739,000	42,734,000	35,532,000	33,757,000	36,236,000	37,401,000	38,804,000	32,546,000	30,499,000	38,838,000	42,701,000	40,848,000	45,983,000	49,210,000	50,029,000	62,675,000		12,100,000
other interest-earning cash equivalents		423,793,000	427,154,000	433,349,000		531,024,000	566,953,000	505,910,000		412,937,000	392,660,000	412,066,000		357,535,000	346,276,000	384,124,000		552,735,000	641,976,000	470,408,000		296,502,000	284,678,000	255,291,000	243,415,000																286,067,000		262,578,000	252,164,000	286,759,000		275,755,000	298,676,000	211,387,000
loans held for investment, net:
mortgage loans		15,591,275,000	15,356,569,000	15,340,842,000		15,189,683,000	15,152,032,000	15,210,653,000		14,897,681,000	14,580,410,000	14,492,723,000		13,913,354,000	13,150,338,000	12,659,957,000		12,621,092,000	12,702,473,000	12,925,023,000		13,373,506,000	13,571,200,000	13,458,379,000	13,189,516,000	13,023,209,000	12,882,319,000	12,579,194,000	12,194,518,000	11,921,485,000	11,485,592,000	11,345,372,000	11,256,718,000		11,074,210,000	10,950,262,000	10,844,202,000	10,708,483,000	10,592,431,000	10,444,046,000	10,250,656,000	10,185,674,000	10,064,307,000	9,965,436,000	9,960,370,000	10,339,402,000	10,240,417,000	9,985,914,000	10,123,616,000	9,920,907,000	9,863,637,000	9,905,703,000	9,861,694,000	9,323,073,000	8,883,188,000	9,268,189,000	9,352,006,000	9,373,919,000	9,279,368,000	9,470,189,000	8,510,875,000	8,319,002,000	7,778,466,000		7,483,172,000
other loans		7,745,000	6,992,000	6,746,000		5,070,000	4,709,000	4,811,000		4,022,000	3,868,000	3,481,000		3,255,000	2,589,000	2,705,000		2,701,000	2,482,000	2,637,000		2,720,000	2,700,000	2,900,000	3,166,000													4,721,000			3,980,000	4,100,000	4,276,000	4,276,000	4,173,000	4,612,000	4,908,000	5,141,000	6,715,000	6,868,000	6,916,000	6,695,000	7,237,000	7,199,000	7,252,000	7,099,000	7,358,000	7,425,000	7,759,000	8,952,000	10,939,000	13,222,000	16,960,000		20,889,000
deferred loan expenses		69,517,000	67,128,000	65,880,000		62,738,000	61,047,000	60,862,000		56,780,000	53,183,000	51,768,000		48,669,000	47,372,000	45,954,000		43,922,000	44,422,000	42,138,000		44,776,000	44,941,000	43,785,000	41,976,000	41,724,000	40,177,000	33,251,000	26,089,000	22,318,000	16,726,000	14,547,000	12,020,000
allowance for credit loss on loans		-72,540,000	-70,546,000	-70,559,000
loans		15,595,997,000	15,360,143,000	15,342,909,000	15,207,429,000	15,189,962,000	15,149,619,000	15,207,242,000	14,657,265,000	14,883,680,000	14,563,323,000	14,473,495,000	13,258,517,000	13,895,828,000	13,135,975,000	12,645,040,000	12,800,542,000	12,601,280,000	12,681,628,000	12,899,508,000	13,366,447,000	13,375,438,000	13,574,454,000	13,467,772,000	13,195,745,000	13,028,498,000	12,885,003,000	12,569,402,000	12,166,778,000	11,886,529,000	11,440,509,000	11,294,812,000	11,202,770,000	10,951,984,000	11,008,129,000	10,881,568,000	10,770,719,000	10,630,687,000	10,509,231,000	10,356,818,000	10,157,900,000	10,084,066,000	9,957,249,000	9,851,254,000	9,841,214,000	10,224,989,000	10,120,317,000	9,871,637,000	10,012,862,000	9,750,943,000	9,698,228,000	9,743,582,000	9,704,444,000	9,181,749,000	8,759,191,000	9,157,514,000	9,250,309,000	9,315,138,000	9,218,376,000	9,417,408,000		8,287,771,000	7,752,794,000	76,388,451,151,326,030	7,464,193,000
mortgage loan servicing rights		7,771,000	7,833,000	7,721,000		7,591,000	7,547,000	7,634,000		7,545,000	7,669,000	7,815,000		8,110,000	8,464,000	8,761,000		9,094,000	8,974,000	8,230,000		7,656,000	7,194,000	7,142,000		8,289,000	8,484,000	8,168,000	8,605,000	8,645,000	9,213,000	9,475,000	9,621,000		10,287,000	10,741,000	11,229,000		12,254,000
federal home loan bank stock, at cost		232,538,000	219,231,000	223,972,000		232,083,000	240,365,000	254,700,000		247,098,000	232,855,000	222,415,000		188,890,000	162,783,000	162,783,000		162,783,000	162,783,000	136,793,000		136,793,000	135,858,000	101,858,000	101,858,000	99,647,000	93,544,000	92,111,000	82,877,000	75,809,000	69,853,000	69,470,000	69,470,000		69,470,000	69,470,000	64,086,000	40,411,000	40,411,000	40,405,000	36,899,000	35,620,000	35,620,000	35,620,000	35,620,000	35,620,000	35,620,000	35,620,000	35,620,000	35,620,000	35,620,000	35,620,000	35,620,000	35,620,000	35,620,000	35,620,000	35,620,000	35,620,000	35,620,000	35,620,000	34,678,000	34,231,000	34,231,000		74,231,000
real estate owned		1,240,000				431,000	230,000	1,070,000		1,400,000	1,165,000	1,378,000		253,000	131,000	131,000				102,000		1,395,000	2,728,000	2,813,000	2,163,000	2,120,000	2,898,000	4,290,000	5,617,000	5,661,000	9,182,000	11,339,000	14,299,000		19,381,000	20,278,000	21,984,000	21,768,000	20,593,000	19,912,000	21,853,000	22,666,000	20,354,000	19,868,000	18,605,000	19,647,000	19,692,000	18,452,000	18,207,000	19,155,000	20,126,000	18,612,000	16,472,000	15,912,000	14,373,000	14,228,000	15,944,000	14,859,000	13,622,000	15,349,000	12,031,000	12,455,000	8,663,000		7,240,000
premises, equipment, and software		39,061,000	38,500,000	32,693,000		33,665,000	33,885,000	34,209,000		34,901,000	34,529,000	35,252,000		34,670,000	35,417,000	36,364,000		38,676,000	39,845,000	40,770,000		42,697,000	42,684,000	43,092,000	61,577,000	61,916,000	62,433,000	63,144,000	58,990,000	59,952,000	60,835,000	59,968,000	59,059,000		56,199,000	55,788,000	56,407,000	56,443,000	57,312,000	58,195,000	58,198,000	58,517,000	58,644,000	59,596,000	60,915,000	61,150,000	60,553,000	60,197,000	59,162,000	59,487,000	60,518,000	61,390,000	62,142,000	62,685,000	62,860,000	63,979,000	63,959,000	66,504,000	66,667,000	67,287,000	69,152,000	69,801,000	68,305,000		82,132,000
accrued interest receivable		60,434,000	58,050,000	57,521,000		58,615,000	56,887,000	55,614,000		49,837,000	46,399,000	45,317,000		34,907,000	30,908,000	30,320,000		32,292,000	33,055,000	34,840,000		37,680,000	38,915,000	40,222,000	40,822,000	40,998,000	40,071,000	35,622,000	33,771,000	33,082,000	32,603,000	32,560,000	32,271,000		32,035,000	31,793,000	31,926,000	31,952,000	31,705,000	31,382,000	31,331,000	31,489,000	31,576,000	32,037,000	33,360,000	34,887,000	35,152,000	34,918,000	35,067,000	35,854,000	35,625,000	35,907,000	36,697,000	36,282,000	36,164,000	37,600,000	37,997,000	38,813,000	39,398,000	43,644,000	45,566,000	48,071,000	44,962,000		42,119,000
other assets		107,260,000	103,926,000	98,268,000		83,090,000	90,955,000	103,436,000		109,916,000	159,299,000	107,828,000		101,499,000	93,050,000	80,799,000		90,821,000	94,615,000	99,208,000		117,009,000	120,440,000	79,420,000	87,957,000	75,434,000	64,747,000	43,902,000	65,030,000	59,682,000	71,810,000	62,483,000	58,857,000		65,117,000	63,046,000	62,342,000	64,880,000	70,828,000	72,039,000	70,623,000	71,639,000	79,882,000	88,620,000	84,489,000	90,720,000	90,253,000	90,712,000	78,792,000	88,853,000	91,537,000	99,613,000	97,949,000	100,461,000	95,457,000	104,339,000	100,055,000	38,278,000	35,245,000	28,341,000	36,815,000	27,054,000	52,235,000		25,587,000
liabilities and shareholders’ equity
borrowers’ advances for insurance and taxes		117,899,000	100,263,000	140,011,000		66,757,000	99,492,000	109,093,000		74,359,000	102,888,000	109,070,000		68,054,000	95,199,000	143,338,000		66,138,000	94,108,000	142,248,000		91,104,000	93,225,000	99,391,000	103,328,000	57,531,000	88,839,000	95,398,000	84,732,000	86,668,000	48,149,000	76,911,000	81,421,000		44,173,000	71,422,000	74,354,000	76,266,000	42,281,000	65,229,000	68,882,000	71,388,000	47,527,000	60,753,000	67,422,000	67,864,000	32,814,000	55,722,000	61,453,000	58,235,000	28,817,000	49,742,000	55,044,000	51,401,000	30,606,000	43,307,000	48,068,000	21,974,000	40,272,000	46,404,000	38,640,000	38,587,000	16,489,000		32,047,000
principal, interest, and related escrow owed on loans serviced		30,237,000	27,249,000	39,418,000		16,867,000	25,946,000	29,204,000		16,510,000	27,166,000	28,500,000		18,713,000	33,034,000	35,655,000		27,694,000	46,100,000	50,866,000		43,193,000	28,722,000	31,503,000	32,909,000	19,180,000	29,561,000	32,907,000	36,559,000	45,961,000	34,585,000	50,518,000	45,495,000		44,940,000	60,370,000	49,577,000	54,670,000	41,129,000	53,412,000	59,978,000	75,745,000	78,940,000	114,889,000	129,036,000	127,539,000	94,539,000	150,870,000	185,879,000	151,859,000	89,430,000	102,750,000	292,452,000	284,425,000	107,955,000	111,023,000	142,909,000	231,683,000	233,169,000	80,105,000	114,358,000	77,699,000	60,314,000		75,880,000
accrued expenses and other liabilities		115,032,000	102,579,000	100,300,000		180,910,000	93,146,000	97,150,000		96,698,000	89,319,000	140,236,000		101,552,000	93,236,000	86,255,000		139,686,000	88,977,000	86,289,000		55,711,000	54,470,000	55,779,000	40,000,000	36,477,000	29,380,000	92,691,000	52,317,000	106,557,000	50,826,000	47,541,000	91,691,000		47,979,000	42,805,000	87,300,000	40,285,000	47,123,000	46,050,000	89,893,000	41,120,000	52,550,000	37,534,000	90,631,000	46,262,000	35,322,000	38,103,000	91,832,000	53,164,000	105,882,000	55,496,000	112,131,000	65,205,000	61,747,000	56,935,000	107,820,000	65,096,000	59,308,000	105,207,000	28,907,000	86,114,000	112,901,000		33,431,000
commitments and contingent liabilities
preferred stock, 0.01 par value...
common stock, 0.01 par value...		3,323,000	3,323,000	3,323,000		3,323,000	3,323,000	3,323,000		3,323,000	3,323,000	3,323,000		3,323,000	3,323,000	3,323,000		3,323,000	3,323,000	3,323,000		3,323,000	3,323,000	3,323,000	3,323,000	3,323,000	3,323,000	3,323,000	3,323,000	3,323,000	3,323,000	3,323,000	3,323,000		3,323,000	3,323,000	3,323,000	3,323,000	3,323,000	3,323,000	3,323,000	3,323,000	3,323,000	3,323,000	3,323,000	3,323,000	3,323,000	3,323,000	3,323,000	3,323,000	3,323,000	3,323,000	3,323,000	3,323,000		3,323,000	3,323,000	3,323,000	3,323,000	3,323,000	3,323,000	3,323,000	3,323,000
paid-in capital		1,756,307,000	1,755,054,000	1,754,241,000		1,753,074,000	1,751,960,000	1,750,440,000		1,753,801,000	1,752,508,000	1,751,020,000		1,749,819,000	1,748,589,000	1,746,992,000		1,745,344,000	1,742,681,000	1,739,178,000		1,741,003,000	1,739,523,000	1,736,322,000	1,734,154,000	1,731,329,000	1,729,499,000	1,721,067,000	1,719,718,000	1,718,085,000	1,714,524,000	1,712,384,000	1,709,868,000		1,705,603,000	1,703,791,000	1,701,982,000	1,702,441,000	1,700,996,000	1,699,328,000	1,697,701,000	1,696,370,000	1,695,360,000	1,693,821,000	1,693,240,000	1,691,884,000	1,691,144,000	1,689,810,000	1,688,101,000	1,686,216,000	1,690,561,000	1,689,086,000	1,687,535,000	1,686,062,000	1,685,139,000	1,682,841,000	1,680,879,000	1,678,141,000	1,676,124,000	1,674,927,000	1,669,085,000	1,668,774,000	1,667,575,000		627,979,000
treasury stock		-771,861,000	-771,123,000	-771,572,000		-772,195,000	-772,195,000	-772,195,000		-775,852,000	-775,852,000	-775,154,000		-771,684,000	-768,304,000	-767,457,000		-766,820,000	-766,407,000	-764,774,000		-767,655,000	-767,723,000	-766,492,000	-764,589,000	-762,200,000	-760,367,000	-741,034,000	-707,070,000	-699,132,000	-646,762,000	-618,359,000					-417,578,000	-379,109,000	-344,589,000	-302,723,000	-303,596,000	-278,215,000	-279,090,000	-279,629,000	-280,622,000	-280,937,000	-281,726,000		-282,090,000	-282,090,000	-287,797,000	-288,083,000	-288,354,000	-288,366,000	-289,324,000	-289,324,000	-289,324,000	-282,368,000	-277,852,000	-252,932,000
unallocated esop shares		-19,500,000	-20,584,000	-21,667,000		-23,834,000	-24,917,000	-26,000,000		-28,167,000	-29,250,000	-30,334,000		-32,500,000	-33,584,000	-34,667,000		-36,834,000	-37,917,000	-39,000,000		-41,167,000	-42,251,000	-43,334,000	-44,417,000	-45,501,000	-46,584,000	-52,001,000	-55,251,000	-56,334,000	-58,501,000	-59,584,000					-65,001,000	-66,084,000	-67,168,000	-68,251,000	-69,334,000	-70,418,000	-71,501,000	-72,584,000	-73,668,000	-74,751,000	-75,834,000	-76,917,000	-78,001,000	-79,084,000	-80,168,000	-81,251,000	-82,335,000	-82,699,000	-84,022,000	-85,345,000	-86,668,000	-89,250,000	-90,864,000	-91,959,000	-96,718,000	-98,316,000	-106,530,000
retained earnings—substantially restricted		935,742,000	929,195,000	923,139,000		912,082,000	906,908,000	900,973,000		882,034,000	879,046,000	877,713,000		859,142,000	856,555,000	855,318,000		851,073,000	849,394,000	840,678,000		865,965,000	853,155,000	849,929,000	837,662,000	829,508,000	823,644,000	771,317,000	729,063,000	712,079,000	682,727,000	667,560,000	653,891,000		624,263,000	611,335,000	600,202,000	589,678,000	578,741,000	561,133,000	544,849,000	529,021,000	513,311,000	497,113,000	484,307,000	473,247,000	472,185,000	471,317,000	470,295,000	461,836,000	453,503,000	447,502,000	445,285,000	452,633,000	463,399,000	458,363,000	460,633,000	474,966,000	470,168,000	469,808,000	450,373,000	440,319,000	406,453,000		411,723,000
accumulated other comprehensive income		-16,005,000	792,000	26,813,000		42,614,000	42,418,000	10,186,000		50,985,000	4,701,000	23,021,000		4,954,000										-50,799,000	-69,379,000	-45,977,000	-13,530,000
total shareholders’ equity		1,888,006,000	1,896,657,000	1,914,277,000		1,915,064,000	1,907,497,000	1,866,727,000		1,886,124,000	1,834,476,000	1,849,589,000		1,813,054,000	1,795,748,000	1,753,370,000		1,709,716,000	1,703,471,000	1,657,832,000		1,655,476,000	1,655,164,000	1,728,949,000	1,696,754,000	1,710,482,000	1,735,985,000	1,700,678,000	1,678,390,000	1,665,333,000	1,678,998,000	1,690,407,000	1,702,445,000		1,761,275,000	1,790,426,000	1,812,693,000	1,839,457,000	1,864,864,000	1,884,128,000	1,862,440,000	1,871,477,000	1,851,931,000	1,835,384,000	1,820,044,000	1,806,850,000	1,805,440,000	1,799,803,000	1,795,960,000	1,773,924,000		1,752,982,000	1,747,576,000	1,752,897,000	1,761,527,000	1,752,537,000	1,751,197,000	1,776,744,000	1,772,707,000	1,794,844,000		2,008,137,000	1,960,203,000
total liabilities and shareholders’ equity		17,375,666,000	17,111,720,000	17,057,586,000	17,049,941,000	17,034,940,000	17,017,150,000	17,053,791,000	16,250,406,000	16,594,988,000	16,261,680,000	16,128,977,000	14,742,383,000	15,405,209,000	14,580,889,000	14,132,511,000	14,484,275,000	14,236,701,000	14,464,784,000	14,572,833,000	14,861,976,000	14,834,743,000	15,002,343,000	14,806,191,000	14,542,356,000	14,371,739,000	14,206,627,000	13,887,880,000	13,406,192,000	13,189,875,000	12,624,350,000	12,466,565,000		12,763,701,000			12,067,843,000	11,803,195,000	11,716,018,000	11,534,441,000	11,381,447,000	11,269,346,000	11,136,540,000	11,121,761,000	11,379,628,000	11,518,125,000	11,494,997,000	11,286,768,000	11,058,126,000	10,892,948,000		10,885,060,000	11,064,672,000	11,076,027,000	10,940,202,000	10,737,175,000	10,727,574,000	10,783,140,000	10,644,880,000	10,875,754,000		10,476,910,000	10,016,373,000
interest-earning assets:
interest-earning cash equivalents					549,598,000				356,450,000				384,947,000				567,035,000				307,902,000					242,599,000	230,185,000	289,147,000	211,739,000	286,890,000	171,323,000	129,864,000	128,835,000	851,047,000	197,658,000	192,817,000	247,671,000		217,410,000	232,436,000
investment securities					70,364,000				23,636,000				3,643,000																					2,015,000																											973,584,000			498,094,743,810
mortgage-backed securities					447,942,000				464,919,000				439,269,000				428,590,000				527,195,000													572,232,000																														31,492,140,555,150
federal home loan bank stock					245,298,000				233,013,000				173,506,000				155,322,000				120,011,000													67,360,000																														675,649,575,670
total interest-earning assets					16,520,631,000				15,735,283,000				14,259,882,000				13,951,489,000				14,321,555,000													12,444,638,000																														85,215,111,265,205,940
non-interest-earning assets					529,310,000				515,123,000				482,501,000				532,786,000				540,421,000
interest-bearing liabilities:
checking accounts					880,893,000				1,093,036,000				1,326,882,000				1,079,699,000				917,552,000
savings and money market accounts					1,518,453,000
certificates of deposit					7,489,887,000				6,123,979,000				5,826,286,000				6,339,412,000				6,621,289,000													5,836,053,000																														5,490,111,636,044,630
total interest-bearing liabilities					14,874,717,000				14,129,723,000				12,684,481,000				12,465,078,000				12,854,844,000													10,780,859,000																														7,672,127,827,024,310
non-interest-bearing liabilities					242,634,000				239,387,000				255,388,000				321,958,000				298,520,000
net interest income					278,458,000				283,567,000				267,396,000				231,630,000				242,268,000													270,127,000																														43,818,000
interest rate spread					1,380				1,570				1,750				1,520				1,520													2,030																														1,630
net interest-earning assets					1,645,914,000				1,605,560,000				1,575,401,000				1,486,411,000				1,466,711,000													1,663,779,000																														849,384,000
net interest margin					1,690				1,800				1,880				1,660				1,690													2,170																														2,060
average interest-earning assets to average interest-bearing liabilities					111,070				111,360				112,420				111,920				111,410													115,430																														111,070
allowance for credit losses on loans						-67,529,000	-68,169,000	-69,084,000		-74,803,000	-74,138,000	-74,477,000		-69,450,000	-64,324,000	-63,576,000		-66,435,000	-67,749,000	-70,290,000
savings accounts									1,798,663,000				1,859,990,000				1,742,042,000				1,530,977,000													1,636,093,000
accumulated other comprehensive loss															-10,831,000	-50,139,000		-86,370,000	-87,603,000	-121,573,000		-145,993,000	-130,863,000					-1,994,000	-11,393,000	-12,688,000	-16,313,000	-14,917,000					-10,235,000	-10,792,000	-6,439,000	-8,682,000	-10,503,000	-8,604,000	-9,472,000	-6,660,000	-6,536,000	-5,916,000	-3,652,000	-5,640,000	-5,668,000	-16,277,000	-13,035,000	-17,595,000	-17,878,000	-18,056,000	-16,988,000	-17,321,000	-17,646,000	-8,068,000	-8,192,000	-8,323,000	-5,599,000	-5,963,000	-10,618,000		-11,054,000
allowance for loan losses																						-45,564,000	-44,387,000	-37,292,000	-38,913,000	-39,313,000	-40,286,000	-45,929,000	-56,841,000	-60,447,000	-64,766,000	-68,307,000					-79,762,000	-81,362,000	-82,502,000	-83,391,000	-85,282,000	-92,537,000	-96,524,000	-101,217,000	-105,201,000	-100,464,000	-107,374,000	-101,296,000	-96,883,000	-156,978,000	-153,305,000	-150,747,000	-148,246,000	-133,240,000	-118,414,000	-104,305,000	-97,280,000	-55,868,000	-59,717,000	-48,774,000	-28,126,000	-26,095,000	-23,814,000		-21,221,000
mortgage loans held for sale, at lower of cost or market																							2,337,000	9,608,000	3,666,000	2,635,000	1,016,000	1,259,000	4,299,000	8,205,000	346,000	1,285,000	374,000		10,658,000	1,101,000	1,379,000	4,962,000	5,340,000	1,509,000	1,497,000	4,179,000	4,376,000	96,882,000	324,322,000	124,528,000	233,154,000	245,921,000													99,745,000	113,192,000	57,326,000		139,803,000
mortgage loan servicing assets																									8,080,000													11,669,000		12,845,000	13,391,000	14,074,000	15,272,000	16,390,000	17,787,000	19,613,000	21,805,000	23,879,000	26,024,000	28,919,000	30,791,000	32,004,000	33,532,000	38,658,000	42,291,000	41,276,000	40,716,000	36,603,000	34,873,000	42,721,000	41,687,000	41,347,000	41,740,000		41,940,000
other consumer loans																										2,878,000	2,793,000	2,886,000	3,012,000	3,173,000	2,957,000	3,200,000	3,273,000		3,679,000	3,874,000	4,636,000		3,710,000	4,076,000
item 2.
item 3.
item 4.
part ii — other information
item 1.
item 1a.
item 5.
item 6.
signatures
noninterest-earning assets																																		319,063,000																														380,876,000
now accounts																																		995,736,000																														1,724,044,175,274,070
noninterest-bearing liabilities																																		184,587,000																														195,432,000
deferred loan expenses (fees)																																			7,144,000	4,525,000	1,643,000
other interest-bearing cash equivalents																																						154,517,000				251,302,000				269,348,000				259,314,000	243,812,000	152,755,000	305,091,000	704,936,000	917,009,000	371,490,000	237,106,000	130,079,000	57,747,000	46,055,000	53,354,000
deferred loan fees																																						-1,155,000	-4,408,000	-7,913,000	-11,454,000	-13,171,000	-14,810,000	-17,241,000	-18,128,000	-18,561,000	-17,634,000	-18,122,000	-20,586,000	-19,854,000	-19,020,000	-18,069,000	-16,241,000	-15,283,000	-12,835,000	-13,469,000	-11,775,000	-10,338,000	-9,034,000	-12,959,000	-16,437,000	-18,358,000	-18,818,000		-18,647,000
investment securities:
available for sale																																								486,625,000	487,519,000	477,376,000	454,530,000	456,888,000	450,880,000	421,430,000	384,479,000	14,487,000	15,355,000	15,899,000	16,664,000	17,105,000	18,095,000	24,619,000	23,790,000	26,853,000	21,946,000	25,611,000	28,011,000	30,050,000	54,382,000	55,374,000	58,982,000		65,194,000
held to maturity																																																374,517,000	350,459,000	392,527,000	441,691,000	476,604,000	551,255,000	646,940,000	642,376,000	626,755,000	627,414,000	619,570,000	713,953,000	778,177,000	919,202,000	889,132,000	646,213,000		194,183,000
september 30, 2011																																																-282,090,000
liabilities and shareholders' equity
total shareholders' equity																																																			1,766,387,000										2,020,464,000
total liabilities and shareholders' equity																																																			10,877,541,000										10,460,827,000
september 30, 2009, respectively																																																							3,323,000
total investment securities																																																										645,181,000	741,964,000
federal home loan bank advances																																																												547,535,000			25,103,000		25,106,000
federal funds sold																																																													420,000,000	573,000,000	1,026,000,000	43,336,556,885,250	359,800,000
interest bearing deposits at other financial institutions																																																														129,322,000	18,593,000		83,798,000
deferred income taxes																																																															20,223,000		17,539,000
cash on hand and in banks																																																																170,072,145,030
passbook savings and subscription proceeds																																																																43,286,912,631,170
fhlb advances																																																																251,033,084,910
shareholder’s equity																																																																1,034,828,000
total liabilities and shareholder’s equity																																																																8,902,387,000	8,733,145,000
selected performance ratios:
return on average assets																																																																540
return on average equity																																																																4,630
average equity to average assets																																																																11,620
liabilities and shareholder’s equity
total shareholder’s equity																																																																	1,028,648,000

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	2019-12-31	2019-09-30	2019-06-30	2019-03-31	2018-12-31	2018-09-30	2018-06-30	2018-03-31	2017-12-31	2017-09-30	2017-06-30	2017-03-31	2016-12-31	2016-09-30	2016-06-30	2016-03-31	2015-12-31	2015-09-30	2015-06-30	2015-03-31	2014-12-31	2014-09-30	2014-06-30	2014-03-31	2013-12-31	2013-09-30	2013-06-30	2013-03-31	2012-12-31	2012-09-30	2012-06-30	2012-03-31	2011-12-31	2011-09-30	2011-06-30	2011-03-31	2010-12-31	2010-09-30	2010-06-30	2010-03-31	2009-12-31	2009-09-30	2009-06-30	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

cash flows from operating activities:
net income	23,247,000	22,274,000	25,999,000	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	21,517,000	18,257,000	20,130,000	20,333,000	21,605,000	20,875,000	23,314,000	19,613,000	23,018,000	22,788,000	23,461,000	19,610,000	22,806,000	20,620,000	19,276,000	17,851,000	23,023,000	17,258,000	15,666,000	16,644,000	15,851,000	17,631,000	16,385,000	16,024,000	15,769,000	16,247,000	12,790,000	11,153,000	1,106,000	892,000	1,022,000	8,459,000	8,479,000	5,985,000	2,224,000	-7,348,000	-10,747,000	10,237,000	2,922,000	8,926,000	-12,890,000	10,036,000	5,761,000	11,488,000	14,061,000	6,790,000	14,823,000	18,816,000	15,050,000	-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	3,108,000	2,654,000	2,609,000	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	3,111,000	2,965,000	2,958,000	2,746,000	2,780,000	2,778,000	3,270,000	2,528,000	2,629,000	2,708,000	2,844,000	3,071,000	2,957,000	3,141,000	3,643,000	3,695,000	3,542,000	3,430,000	3,306,000	3,702,000	2,730,000	3,092,000	3,488,000	2,847,000	2,909,000	3,112,000	2,674,000	2,661,000	2,597,000	2,757,000	2,793,000	2,968,000	2,494,000	2,879,000	2,915,000	1,850,000	3,209,000	3,621,000	3,245,000	3,066,000
depreciation and amortization	5,847,000	6,257,000	6,238,000	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	6,177,000	6,155,000	5,212,000	5,406,000	5,670,000	6,856,000	7,267,000	5,394,000	4,343,000	5,449,000	5,306,000	5,787,000	5,361,000	5,163,000	4,623,000	4,222,000	4,919,000	4,660,000	4,009,000	3,865,000	4,157,000	3,152,000	2,847,000	3,129,000	3,997,000	5,121,000	5,976,000	6,221,000	8,370,000	5,098,000	3,252,000	6,047,000	4,024,000	3,255,000	4,346,000	7,779,000	6,902,000	3,907,000	3,664,000	3,992,000	2,936,000	6,741,000	6,364,000	2,463,000	2,059,000	2,542,000	2,577,000	1,668,000	1,743,000	1,940,000	1,854,000	1,341,000
deferred income taxes	12,000	-103,000	1,324,000	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	21,422,000	76,000	4,000	434,000	-616,000	-39,000	-181,000	4,785,000																									-8,643,000	-400,000	0	800,000
provision (release) for credit losses	0	-1,000,000	1,000,000			-1,500,000	1,000,000	-500,000	-1,000,000	-1,000,000	500,000	0	-1,000,000	-1,000,000	0	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	-1,744,000	-2,329,000	-2,314,000	-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	-764,000	-543,000	-451,000	-111,000	-311,000	-2,529,000	-65,000	-478,000	-711,000	-259,000	-330,000	-883,000	-1,585,000	-1,834,000	-1,917,000	-825,000	-1,182,000	-1,495,000	-1,144,000	-698,000	-486,000	-673,000	-533,000	-339,000	-10,000	-3,978,000	-1,257,000	-3,022,000					0	-219,000			156,000	-19,710,000	-2,781,000	-2,968,000
other net losses	218,000	101,000	0	0	0	-19,000	89,000	46,000	-9,000	239,000	26,000	17,000	58,000	-300,000														300,000	185,000	-293,000	716,000	2,000	340,000	69,000		-172,000	201,000	224,000
proceeds from sales of loans originated as held for sale	6,022,000	32,452,000
loan originations, acquisitions and principal repayments on loans held for sale	-7,487,000	-17,212,000
increase in bank owned life insurance contracts	-2,565,000	-2,603,000	-2,554,000	-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		-1,548,000	-1,520,000	-1,551,000		-1,538,000	-1,509,000	-1,543,000		-1,565,000	-1,559,000	-1,607,000		-1,599,000	-1,601,000	-43,000		-1,598,000	-1,599,000	-1,628,000		-1,615,000	-1,583,000	-1,619,000		-1,611,000	-1,578,000	-1,613,000						-1,620,000	-1,586,000	-1,640,000
net decrease in interest receivable and other assets	142,000	6,456,000	-6,191,000	-1,372,000	-1,507,000	10,109,000		1,598,000	654,000	1,960,000				-6,617,000				3,091,000											-8,869,000	6,097,000			-3,394,000	4,092,000			-5,611,000	6,302,000				2,299,000				2,179,000				1,951,000				7,998,000				4,811,000											-2,062,000	10,855,000				10,013,000				2,395,000
net increase in accrued expenses and other liabilities	-9,160,000	11,801,000	-14,403,000	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				3,582,000				50,577,000				50,570,000	-250,000	-385,000	-46,232,000	42,739,000	-6,957,000	5,540,000	-42,987,000	45,418,000	-13,752,000	1,132,000	-43,770,000	48,853,000	-8,687,000	15,155,000	-52,958,000	44,751,000	6,308,000	-2,723,000	-53,671,000	55,006,000	-57,754,000			47,349,000	2,640,000	4,612,000	-50,363,000	50,146,000	-14,506,000	7,883,000	-46,466,000	48,892,000	-86,663,000			53,983,000	-74,582,000			9,399,000
net cash from operating activities	17,640,000	58,748,000	-11,103,000	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	30,370,000	29,480,000	44,046,000	-895,000	30,655,000	21,218,000	-2,900,000	98,018,000	27,339,000	17,133,000	-32,935,000	97,156,000	29,951,000	15,029,000	-29,395,000	69,329,000	25,934,000	27,795,000	-23,211,000	71,584,000	18,250,000	24,163,000	-19,497,000	80,592,000	24,238,000	50,203,000	-25,838,000	92,207,000	50,322,000	47,135,000	-33,253,000	91,422,000	-21,268,000	105,202,000	-34,081,000	85,715,000	117,985,000	-10,677,000	11,092,000	-1,876,000	224,607,000	-24,779,000	-47,453,000	119,642,000	-188,395,000	162,788,000	-28,125,000	82,735,000	-112,830,000	172,860,000	10,656,000	202,755,000
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	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
free cash flows	17,640,000	58,748,000	-11,103,000	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	30,370,000	29,480,000	44,046,000	-895,000	30,655,000	21,218,000	-2,900,000	98,018,000	27,339,000	17,133,000	-32,935,000	97,156,000	29,951,000	15,029,000	-29,395,000	69,329,000	25,934,000	27,795,000	-23,211,000	71,584,000	18,250,000	24,163,000	-19,497,000	80,592,000	24,238,000	50,203,000	-25,838,000	92,207,000	50,322,000	47,135,000	-33,253,000	91,422,000	-21,268,000	105,202,000	-34,081,000	85,715,000	117,985,000	-10,677,000	11,092,000	-1,876,000	224,607,000	-24,779,000	-47,453,000	119,642,000	-188,395,000	162,788,000	-28,125,000	82,735,000	-112,830,000	172,860,000	10,656,000	202,755,000
cash flows from investing activities:
loans originated	-882,404,000	-983,320,000		-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	-862,029,000	-980,557,000	-538,202,000	-647,400,000	-865,158,000	-969,277,000	-723,686,000	-780,652,000	-790,692,000	-818,953,000	-946,949,000	-866,302,000	-1,005,488,000	-820,091,000	-649,952,000	-548,729,000	-819,701,000	-740,718,000	-588,650,000	-611,208,000	-651,406,000	-617,685,000	-620,675,000	-535,266,000	-722,418,000	-718,089,000	-507,528,000	-511,600,000	-628,766,000	-822,000,000	-656,634,000	-821,282,000	-491,526,000	-358,752,000	-471,828,000	-1,162,813,000	-938,867,000	-688,175,000	-591,762,000	-527,250,000	-587,179,000	-819,118,000	-1,983,270,000	-638,315,000	-694,758,000	-917,408,000	-583,526,000	-751,641,000	-745,189,000	-700,352,000	-345,722,000	-566,006,000
principal repayments on loans	800,406,000	840,178,000	844,325,000	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	679,208,000	824,974,000	541,235,000	583,980,000	647,661,000	683,162,000	574,070,000	603,929,000	616,570,000	654,764,000	605,330,000	618,202,000	691,293,000	619,408,000	493,871,000	505,786,000	600,049,000	559,989,000	446,089,000	446,149,000	503,796,000	443,220,000	398,420,000	437,672,000	582,760,000	600,071,000	580,420,000	606,535,000	593,804,000	534,044,000	518,523,000	539,416,000	416,331,000	349,822,000	395,994,000	625,397,000	483,190,000	564,342,000	487,422,000	351,264,000	372,050,000	448,091,000	1,450,052,000	280,637,000	345,350,000	365,979,000	200,152,000	465,984,000	368,780,000	370,593,000	502,600,000	207,479,000
proceeds from sales, principal repayments and maturities of:
securities available for sale	32,430,000	86,217,000	25,112,000	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	50,693,000	39,308,000	30,561,000	31,998,000	37,003,000	35,255,000	32,136,000	35,452,000	36,444,000	34,413,000	36,232,000	46,226,000	43,661,000	39,036,000	33,998,000	37,825,000	40,962,000	43,130,000	36,174,000	33,679,000	68,057,000	29,385,000	29,932,000	30,015,000	44,724,000	50,040,000	53,706,000	57,918,000	55,094,000	18,140,000	838,000	517,000	796,000	645,000	1,077,000	8,380,000	1,231,000	3,227,000	901,000	3,498,000	2,293,000	2,640,000	2,326,000	1,689,000	1,756,000	22,315,000	1,937,000	1,956,000	3,137,000	3,551,000	3,399,000	3,643,000
proceeds from sale of:
loans	89,811,000	89,479,000	154,149,000	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	13,910,000	10,391,000	31,926,000	13,393,000	16,147,000	296,249,000	33,833,000	26,268,000	22,402,000	65,580,000	62,709,000	67,467,000	45,851,000	54,275,000	62,008,000	24,571,000	50,427,000	37,303,000	25,341,000	20,385,000	13,933,000	9,893,000	13,659,000	11,079,000	-132,000	92,819,000	128,303,000	61,231,000					0	25,699,000			-4,588,000	507,378,000	167,085,000	122,636,000			712,117,000	132,244,000	29,819,000	96,862,000	184,314,000	62,639,000	50,042,000
real estate owned			0	0	0	193,000	167,000	0	850,000	133,000	165,000	66,000	208,000	45,000	67,000	52,000	0	310,000	0	0	124,000	82,000	1,313,000	1,201,000	530,000	635,000	758,000	839,000	977,000	1,423,000	780,000	980,000	1,973,000	2,547,000	2,104,000	1,935,000	2,346,000	2,376,000	5,502,000	4,972,000	5,899,000	6,027,000	6,094,000	7,133,000	6,216,000	5,691,000	7,054,000	5,976,000	5,715,000	6,993,000	6,701,000	5,548,000	7,049,000	6,519,000	5,781,000	6,573,000	5,716,000	4,661,000	4,405,000	4,319,000	3,136,000	3,746,000	3,198,000	4,212,000	4,672,000	5,339,000	3,544,000	3,843,000	3,365,000	2,128,000
fhlb stock	4,892,000	11,695,000	4,840,000	7,567,000	7,653,000	4,522,000	3,589,000	8,282,000	14,335,000	26,913,000	0	-14,243,000	-10,440,000	-10,125,000	-23,400,000				0	0			0	-935,000			-2,211,000				0	0	-1,433,000	-2,121,000	-2,880,000	-4,233,000	-7,068,000	-5,956,000	0				0	0	-5,384,000	-23,675,000	0	-6,000	-3,506,000	-1,279,000																									0
purchases of:
premises and equipment	-4,248,000	-1,662,000		-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	-890,000	-895,000	-1,076,000	-917,000	-1,657,000	-972,000	-1,942,000	-3,802,000	-2,811,000	-676,000	-298,000	-365,000	-1,646,000	-2,336,000	-2,360,000	-2,783,000	-2,134,000	-1,660,000	-568,000	-1,160,000	-310,000	-276,000	-1,160,000	-1,070,000	-1,092,000	2,919,000	-3,488,000	-1,158,000	-4,577,000	-1,455,000	-286,000	-1,014,000	-337,000	-682,000	-723,000	-874,000	-1,297,000	-546,000	-1,939,000	-615,000		-1,713,000	-1,146,000	-956,000			-892,000	-1,693,000	186,000	21,013,000	-1,596,000	-2,054,000
other	673,000	-231,000	440,000	591,000	1,607,000	289,000	1,052,000	-294,000	-119,000	3,414,000	2,211,000	0	-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	367,000	991,000	-312,000	-310,000				-11,000					93,000	107,000	67,000	-12,000	-9,000	124,000	63,000	118,000	-10,000	-88,000	63,000	139,000	38,000	191,000	129,000	33,000	74,000	141,000	82,000	334,000	159,000	234,000	152,000	276,000	-122,000	2,046,000	632,000	-176,000	74,000	1,232,000	-1,311,000	1,357,000	-756,000	-1,438,000	-532,000	-1,928,000	-1,233,000	-467,000	-413,000	-696,000
net cash from investing activities	-8,369,000	13,970,000	-73,616,000	-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	-156,454,000	-136,480,000	27,837,000	-76,885,000	-195,711,000	10,468,000	-128,436,000	-161,176,000	-164,847,000	-91,804,000	-296,361,000	-201,797,000	-256,479,000	-105,078,000	-64,860,000	-27,960,000		-126,265,000	-117,940,000	-175,697,000		-194,036,000	-204,760,000	-95,985,000		-20,586,000	196,540,000	129,145,000		-276,572,000	-156,979,000	-236,622,000	-22,079,000	54,705,000	8,979,000	-434,002,000	-464,773,000	374,219,000	60,959,000	-96,271,000	75,039,000	-20,524,000	247,756,000	-183,303,000	-270,289,000	-375,995,000	-225,690,000	-283,154,000	-501,384,000	-512,266,000	-175,588,000	-114,142,000
cash flows from financing activities:
net increase in deposits	-187,961,000	-76,763,000	105,827,000	-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	51,915,000	-18,321,000	135,611,000	105,596,000	83,295,000	57,866,000	143,071,000	55,726,000	-24,234,000	-12,146,000	-47,984,000	-95,379,000	-37,532,000	51,087,000	12,451,000	19,504,000	-176,201,000				-49,343,000				-166,031,000	-126,752,000			24,270,000	133,973,000			14,014,000	-54,046,000	-37,372,000	-58,627,000	-56,268,000	204,999,000	95,793,000	36,911,000	73,021,000	118,154,000	77,672,000	40,558,000	160,739,000	-158,096,000	-7,915,000	125,158,000	320,075,000	132,307,000	168,339,000	119,417,000
net increase in borrowers' advances for insurance and taxes	-37,088,000	20,438,000	-4,731,000			26,374,000								-8,180,000				33,705,000				30,712,000
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		-10,381,000	-1,016,000	-913,000	8,802,000	-9,234,000	-985,000	-2,859,000	10,297,000			-3,440,000	14,816,000			-3,998,000	4,553,000			-5,093,000	13,541,000	-12,283,000			-3,195,000	-35,949,000				-56,331,000														-570,000
net increase in short-term borrowed funds	379,000,000	-28,000,000	-137,000,000	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											-84,317,000	359,421,000	-58,144,000	110,031,000	143,486,000	13,724,000	-5,504,000	165,337,000	950,438,000	-112,238,000	73,307,000	249,175,000	283,066,000	225,912,000
proceeds from long-term borrowed funds	0	50,000,000	125,000,000				150,000,000	0	0	575,000,000	0	0	0	350,000,000	200,000,000	150,000,000	100,000,000	150,000,000	75,000,000				0	0	100,000,000	150,000,000					0	15,000,000	0	88,000		325,000,000	275,000,000	100,000,000	0	84,000
repayment of long-term borrowed funds	-25,400,000	-100,560,000	-480,000	-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	-121,302,000	-115,893,000	-86,113,000	-97,401,000	-86,548,000	-81,027,000	-36,287,000	-77,947,000	-121,833,000	-36,179,000	-31,485,000	-18,603,000	-7,163,000	-66,479,000
cash collateral/settlements (provided to) received from derivative counterparties	22,828,000	-54,391,000
acquisition or net settlement of treasury shares	-2,088,000	-2,988,000	-2,466,000	-744,000	0	-767,000	-1,000
dividends paid to common shareholders	-14,931,000	-15,112,000	-14,864,000	-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	-13,363,000	-12,393,000	-12,404,000	-12,305,000	-12,341,000	-8,416,000	-8,464,000	-8,408,000	-8,462,000	-6,338,000	-6,477,000	-6,432,000	-6,603,000	-5,453,000	-5,607,000	-5,751,000	-5,906,000	-4,330,000	-4,543,000	-4,711,000																	0	-5,201,000	-5,192,000	-5,168,000	-5,180,000	-5,238,000	-5,389,000	-3,870,000	-4,337,000	-4,697,000
net cash from financing activities	-28,699,000	-45,448,000	61,577,000	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	129,879,000	119,108,000	-99,262,000	94,624,000	176,284,000	-44,228,000	78,860,000	118,505,000	140,827,000	98,806,000	243,649,000	199,813,000	256,454,000	132,080,000	93,915,000	-37,116,000		101,938,000	86,066,000	198,530,000		157,581,000	175,149,000	46,307,000		-16,784,000	-220,110,000	-196,060,000		205,374,000	278,526,000	104,475,000	60,624,000	-71,329,000	-128,399,000	-52,961,000	140,973,000	184,024,000	53,994,000	67,045,000	-165,380,000	119,488,000	-193,746,000	23,320,000	491,328,000	-209,622,000	24,028,000	123,055,000	336,661,000	41,348,000	1,114,560,000	114,158,000
net increase in cash and cash equivalents	-19,428,000	27,270,000	-23,142,000	-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	3,795,000	12,108,000	-27,379,000	16,844,000	11,228,000	-12,542,000	-52,476,000	55,347,000		24,135,000	-85,647,000	95,172,000		42,031,000	-340,000	4,253,000		3,468,000	-55,085,000	94,417,000				30,914,000	-10,983,000	12,833,000	-49,408,000	25,292,000	-10,090,000	-24,063,000			17,277,000	88,578,000							134,266,000					-422,829,000	-229,787,000	-77,364,000	-277,553,000	-298,058,000	949,628,000	202,771,000
cash and cash equivalents—beginning of period	0	429,439,000		0	0	463,718,000		0	0	466,746,000		0	0	369,564,000		0	0	488,326,000		0	0	498,033,000		0	0	275,143,000		0	0	269,775,000		0	0	268,218,000		0	0	231,239,000		0	0	155,369,000		0	0	181,403,000		0	0	285,996,000		0	0	308,262,000		0	0	294,846,000		0	0	743,740,000		0	0	307,046,000		0	0	132,379,000	0	0	0	829,715,000
cash and cash equivalents—end of period	-19,428,000	456,709,000		-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		12,108,000	-27,379,000	286,619,000		-12,542,000	-52,476,000	323,565,000		24,135,000	-85,647,000	326,411,000		42,031,000	-340,000	159,622,000		3,468,000	-55,085,000	275,820,000		-12,292,000	-49,108,000	316,910,000		12,833,000	-49,408,000	333,554,000		-24,063,000	88,294,000	254,121,000		88,578,000	-153,501,000	342,492,000		547,566,000	126,045,000	275,944,000		74,185,000	6,557,000	92,038,000	32,644,000	-422,829,000	-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	70,611,000	77,621,000	79,774,000	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	39,364,000	36,877,000	34,754,000	32,368,000	28,998,000	25,721,000	23,518,000	22,268,000	22,205,000	21,664,000	21,426,000	22,078,000	22,774,000	22,388,000	22,405,000	22,380,000	22,776,000	22,537,000	23,237,000	24,543,000	24,674,000	22,526,000	21,473,000	23,470,000	25,188,000	27,037,000	27,809,000	31,673,000	36,183,000	37,734,000	38,082,000	41,464,000	42,355,000	43,727,000	44,011,000	48,359,000	49,599,000	52,012,000	51,794,000	57,405,000	57,028,000	61,764,000	65,735,000	70,636,000	73,050,000	75,287,000	84,386,000	95,410,000	93,032,000	87,800,000	78,117,000	83,488,000
cash paid for interest on borrowed funds	48,216,000	50,847,000	53,713,000	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	22,275,000	21,343,000	21,675,000	16,450,000	18,205,000	15,790,000	14,334,000	12,726,000	11,900,000	9,570,000	8,247,000	6,499,000	7,029,000	6,522,000	6,691,000	6,179,000	5,537,000	5,012,000	4,606,000	3,839,000	2,946,000	2,589,000	2,231,000	1,737,000	1,168,000	971,000	841,000	763,000	667,000	667,000	643,000	564,000	554,000	491,000	454,000	473,000	484,000	485,000	474,000	480,000	554,000	420,000	423,000	1,128,000	1,700,000
cash paid for interest on interest rate swaps	-4,243,000	-8,492,000	-7,697,000	-13,700,000	-12,457,000	-18,173,000	-22,337,000	-21,486,000	-23,244,000	-22,351,000	-21,060,000	-15,119,000	-10,173,000	-4,064,000	1,112,000	6,812,000	10,268,000	10,946,000
cash paid for income taxes	7,124,000	200,000	4,700,000	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	3,000	39,000	9,605,000	42,000	7,433,000	10,265,000	14,540,000	287,000	7,253,000	10,973,000	19,764,000	218,000	6,033,000	8,205,000	7,866,000	9,711,000	7,150,000	6,104,000	9,199,000	80,000	11,000,000	8,100,000	5,492,000	508,000	4,442,000	2,000,000	6,600,000	6,600,000	4,100,000	3,894,000	7,300,000	4,500,000	3,100,000	0	0	4,500,000	8,000,000	3,100,000	3,300,000	5,500,000	4,500,000	6,000,000			0	6,500,000			15,000,000	7,500,000
supplemental schedules of noncash investing and financing activities:
transfer of loans to real estate owned	0	155,000	681,000				0				280,000	294,000	59,000	236,000	1,009,000	201,000	0	73,000	289,000	0	0	41,000	0	0	474,000	1,277,000	548,000	394,000	1,236,000	1,295,000	824,000	514,000	1,607,000	1,293,000	2,392,000	1,696,000	2,498,000	1,403,000	2,412,000	3,241,000	3,061,000	3,420,000	5,204,000	6,447,000	5,303,000	6,807,000	8,945,000	6,825,000	4,727,000	6,503,000	8,906,000	6,375,000	7,468,000	4,992,000	5,815,000	7,535,000	5,547,000	4,109,000	3,369,000	6,384,000	6,259,000	5,057,000	4,921,000	-1,159,000	6,113,000	7,435,000	11,477,000	9,472,000	4,944,000	6,519,000	7,869,000	7,929,000	4,832,000	6,099,000	2,984,000	4,932,000	3,515,000	2,524,000
transfer of loans from held for investment to held for sale	80,007,000	67,471,000	159,806,000	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	13,705,000	10,262,000	31,720,000	13,382,000	16,001,000	296,288,000	34,133,000	26,141,000	22,180,000	66,172,000	63,400,000	66,968,000	44,925,000	53,238,000	60,819,000	24,196,000	39,870,000	46,845,000	24,806,000	15,545,000	12,693,000	10,776,000	13,524,000	11,095,000	0	13,982,000	58,119,000	264,908,000	0	0
transfer of loans from held for sale to held for investment	2,239,000	7,427,000	3,247,000	0	0	1,327,000	7,754,000				0	0			6,666,000	0															0	0																			115,000	10,072,000							0	0	0	25,027,000
treasury stock issued for stock benefit plans	-3,000	3,024,000	20,000	6,000	449,000	1,390,000	0	7,000	0	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	-799,000	53,000	322,000	746,000	-209,000	-100,000	-1,000	3,050,000	68,000	190,000	128,000	749,000	83,000	607,000	372,000	2,050,000	365,000	690,000
net increase in principal and interest owed on loans serviced		11,928,000	91,000			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				1,497,000				34,021,000	62,429,000	-13,320,000	-189,702,000	8,027,000	176,470,000	-3,068,000	-31,886,000	37,190,000	-125,964,000	-1,486,000					36,659,000	-209,000			2,154,000	970,000
net increase in fed funds purchased		150,000,000										0	-150,000,000	-75,000,000
proceeds from sales of loans held for sale			52,969,000	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, acquired and principal repayments on loans held for sale
loans originated or acquired
premises, equipment, and software
proceeds (repayments) from fed funds purchased
cash and cash equivalents—beginning of year																																																																											0	0	0	252,927,000
cash and cash equivalents—end of year
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
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	-35,990,000	-50,036,000
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		-31,308,000	-7,612,000	-6,554,000		-27,662,000	-7,240,000	-5,048,000		-28,868,000	-1,936,000	-5,645,000		-28,762,000	-4,510,000	-4,871,000		-27,249,000	-2,932,000	-1,912,000
net gain on sale of commercial property															0								-408,000	0	0	-4,257,000
loans originated, purchased and principal repayments on loans held for sale
net increase in interest receivable and other assets												-5,594,000				-14,730,000							-16,078,000	5,856,000	-2,043,000	-5,705,000	-10,100,000				-2,038,000				-682,000				-1,038,000	-8,710,000			-683,000	-964,000			-1,623,000	-231,000								-331,000							5,809,000	7,857,000	-5,423,000	-45,699,000									10,984,000	-21,185,000
loans originated or purchased
premises, equipment and other assets															0					0			408,000	0	0	23,512,000
proceeds/(repayments) from fed funds purchased
acquisition of treasury shares									0	-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																			0	0	0	-70,000,000
proceeds from fed funds purchased
other net (gains) losses																353,000	0	199,000	578,000			5,000																													-144,000			-415,000
net decrease in accrued expenses and other liabilities																		-2,735,000													-1,170,000	-3,330,000				2,025,000
net decrease in deposits																		-60,005,000																											-38,296,000	-114,664,000			101,258,000	-150,267,000				-176,924,000				-57,397,000
net decrease in short-term borrowed funds																		-60,000,000				-75,102,000
purchase of treasury shares																		-321,000					1,000	0	-19,000	-395,000	-1,147,000	-1,803,000	-2,468,000	-3,669,000	-2,745,000	-4,011,000	-5,613,000	-7,372,000	-10,002,000	-19,214,000	-7,143,000	-17,670,000	-33,685,000	-27,664,000	-31,958,000	-35,054,000	-47,865,000	-43,122,000	-41,804,000	-39,755,000	-33,084,000	-42,221,000	0	-26,058,000													0	0	0	-1,810,000	-13,646,000	-3,709,000	-25,519,000	-60,270,000	-116,731,000
acquisition of treasury shares through net settlement																		-1,043,000
increase in cash surrender value for bank owned life insurance contracts
net decrease (increase) in interest receivable and other assets																			279,000			11,695,000																														10,807,000							12,740,000			925,000
cash paid (received) for interest on interest rate swaps
loans originated for sale																				-11,669,000	-19,853,000	-16,079,000		-19,515,000	-9,971,000	-15,606,000		-17,649,000	-6,614,000	-7,287,000	-8,932,000	-9,148,000	-3,361,000	-4,523,000	-5,116,000	-5,208,000	-6,185,000	-8,438,000	-8,348,000	-3,471,000	-4,974,000	-3,673,000	-6,370,000	-9,104,000	-6,789,000	-4,748,000	-4,925,000	-9,502,000	-6,337,000	-7,143,000	-14,226,000	-19,730,000	-15,832,000	-15,757,000									-4,811,000	-84,382,000	-31,757,000	-86,538,000	-105,698,000	-278,631,000	-217,154,000	-153,245,000	-173,122,000	-99,973,000	-50,324,000	-137,834,000	-55,200,000	-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		-178,000	-756,000	-161,000		-468,000	-118,000	-1,012,000		-121,000	-231,000	-2,193,000		-1,401,000	-962,000	-4,222,000		-543,000
cash collateral/settlements received from derivative counterparties																						17,927,000
provision (credit) for loan losses																							0	0	6,000,000	-3,000,000	-2,000,000	-2,000,000	-4,000,000	-2,000,000	-2,000,000	-2,000,000	-4,000,000	-3,000,000
other net incomees																								43,000	-500,000	-13,000															188,000	586,000	1,006,000	338,000	728,000	890,000	735,000	168,000	947,000	679,000					307,000	-51,000	1,356,000	415,000	136,000	1,215,000			520,000			3,718,000	4,859,000	4,599,000	3,591,000	2,737,000	3,921,000	3,868,000	2,472,000	1,984,000			411,000	1,487,000
net increase(decrease) in short-term borrowed funds																								-283,008,000	214,269,000	-51,093,000
increase in and death benefits for bank owned life insurance contracts																																																									-1,590,000	-1,618,000					-1,671,000	-1,623,000	-1,589,000	-1,606,000	-1,668,000	-1,646,000	-1,600,000	-1,674,000	-1,744,000	-1,659,000	-1,623,000	-1,633,000
principal repayments on and proceeds from sales of loans held for sale																												16,270,000	6,448,000	7,068,000	9,888,000	7,778,000	4,265,000	3,654,000	5,681,000	8,667,000	10,019,000	4,805,000	4,121,000	4,524,000	4,160,000	3,480,000	6,738,000	9,994,000	7,241,000	3,842,000	3,822,000	7,140,000	6,491,000	10,022,000	14,374,000	23,052,000	14,547,000	22,197,000									91,591,000	38,226,000	64,047,000	49,263,000			184,349,000	186,287,000	35,091,000	135,996,000	64,394,000	133,025,000	5,153,000	113,682,000	147,481,000	337,539,000
cash collateral received from (provided to) derivative counterparties																														-35,319,000
cash collateral received from derivative counterparties																															6,611,000	6,985,000	24,430,000	16,850,000	1,482,000	-11,801,000	142,000	17,702,000
excess tax benefit related to stock-based compensation																																							503,000	689,000	328,000	1,678,000	343,000	144,000	150,000	945,000	57,000													-19,000	-16,000	-1,000	-24,000	0	40,000	41,000
other net increase
net increase cash and cash equivalents
deferred income tax expense																																				-107,000	-23,000	13,000		18,000	10,000	10,000
provision for loan losses																																				-4,000,000			-3,000,000
net gain on the sale of securities
benefit from loan losses																																									-1,000,000	-1,000,000	-6,000,000	0	1,000,000	2,000,000	4,000,000	4,000,000	5,000,000	6,000,000	4,000,000	5,000,000	10,000,000	18,000,000	29,000,000	31,000,000	27,000,000	15,000,000	19,000,000	22,500,000	22,500,000	34,500,000	35,000,000	30,000,000	25,000,000	16,000,000	57,000,000	20,000,000	28,000,000	10,000,000	9,000,000	18,000,000	4,500,000	3,000,000	3,250,000	2,100,000	2,250,000	2,000,000
net increase in short term borrowed funds																																										-29,829,000		133,069,000					4,119,000	124,225,000	152,104,000	101,056,000	-220,966,000	-84,926,000	-111,542,000	148,639,000	154,605,000	124,633,000	-49,991,000	26,000	99,993,000	-3,000			0	5,000
proceeds from long term borrowed funds																																										30,000,000		100,000,000	150,000,000	150,294,000	110,000,000	110,000,000	100,000,000	130,000,000	120,000,000	60,000,000	70,000,000	70,000,000	30,000,000				4,718,000
repayment of long term borrowed funds																																										-4,573,000		-1,742,000	-2,150,000	-8,512,000	-1,903,000	-15,816,000	-20,009,000	-13,320,000	-2,049,000	-1,913,000	-1,115,000	-5,265,000	0				0
net cash from in investing activities
net cash from in financing activities
net decrease in cash and cash equivalents																																																-12,292,000										-40,725,000											6,557,000	-40,341,000
net decrease in short term borrowed funds																																														224,284,000
taxes paid on equity compensation																																														-2,346,000
securities held to maturity																																																							0	35,258,000	48,752,000	55,523,000	48,495,000	46,711,000	73,577,000	94,393,000	79,052,000	84,326,000	88,218,000	58,257,000	76,838,000	94,337,000	64,219,000	39,601,000	47,418,000	67,036,000	75,856,000	45,167,000	40,236,000	28,452,000	17,492,000	5,093,000
transfer of investments from held to maturity to available for sale																																																							0
net decrease in borrowers’ advances for insurance and taxes																																																-22,948,000	-3,653,000	-2,506,000		-13,226,000				-22,907,000								-12,701,000	-4,761,000	-124,000		-18,298,000	-6,132,000	-2,035,000		-18,105,000	53,000	-1,894,000			-453,000	-6,232,000
excess tax effect related to stock-based compensation																																																	-6,000	49,000
reversal of excess tax benefit related to stock-based compensation
net increase in borrowers’ advances for insurance and taxes																																																						-442,000				3,218,000				3,643,000													23,992,000
deferred income tax (benefit) expense
principal repayments on loans held for sale
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
death benefits on bank owned life insurance contracts
net increase in long-term borrowed funds																																																																				30,000,000
mortgage servicing asset (recovery) impairment																																																																-6,000
net increase in cash and equivalents																																																																547,566,000
contribution of stock to charitable foundation																																																																											0
private equity investments
net proceeds from the sale of common stock
loan to esop																																																																											0
borrowings (repayments) in long-term borrowed funds
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	65,104,000	233,455,000	250,692,000	195,461,000	55,354,000	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
net (gain) loss on the sale of loans																																																																							-614,000	-828,000	-1,255,000	-1,199,000
net increase in short term advances
federal home loan bank advances:
esop shares allocated and committed to be released																																																																								1,924,000
net increase in stock subscription proceeds
net increase in short-term advances																																																																													0	3,000
private equity fund																																																																											0
esop shares committed to be released																																																																										2,840,000
net proceeds from sale of common stock																																																																											0
proceeds from borrowings
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
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																																																																													0	5,009,000
proceeds from sale of fhlb stock

TFS Financial Corporation(NASDAQ:TFSL)

TFS Financial Corporation
(NASDAQ:TFSL)