First Financial Corporation
(NASDAQ:THFF)

First Financial Corporation, through its subsidiaries, provides various financial services. It offers non-interest-bearing demand, interest-bearing demand, savings, time, and other time deposits. The company also provides commercial loans primarily to expand a business or finance asset purchases; re...

Website: http://www.first-online.com

Founded: 1834

Full Time Employees: 957

Sector: Financial Services

Industry: Banks-Regional

Regional Bank

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At a glance:

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Income Statements:

Quarterly

Annual

Unit: USD	2025-09-30	2025-06-30	2025-03-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30	2023-06-30	2023-03-31	2022-12-31	2022-09-30	2022-06-30	2022-03-31	2021-12-31	2021-09-30	2021-06-30	2021-03-31	2020-12-31	2020-09-30	2020-06-30	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	2012-09-30	2012-06-30	2012-03-31	2011-12-31	2011-09-30	2011-06-30	2011-03-31	2010-09-30	2010-06-30	2010-03-31	2009-09-30	2009-06-30	2009-03-31	2008-09-30	2008-06-30	2008-03-31	2007-09-30	2007-06-30	2007-03-31

interest income:
loans, including related fees	67,070,000	64,775,000	63,612,000	61,367,000	51,459,000	50,052,000	49,421,000	49,146,000	46,479,000	44,595,000	41,612,000	38,021,000	34,305,000	32,357,000	32,240,000	31,937,000	31,966,000	31,857,000	34,906,000	34,077,000	33,224,000	35,034,000	37,138,000	33,363,000	27,533,000	26,754,000	26,559,000	25,581,000	24,778,000	23,623,000	23,715,000	23,119,000	22,325,000	21,941,000	21,920,000	21,753,000	21,271,000	21,184,000	20,974,000	21,478,000	20,763,000	20,807,000	21,748,000	21,939,000	21,625,000	22,218,000	22,702,000	22,510,000	24,725,000	25,226,000	25,198,000	22,489,000	22,943,000	23,004,000	22,956,000	24,355,000	24,032,000	24,021,000	24,332,000	22,730,000	22,907,000	24,799,000	24,681,000	25,776,000	26,661,000	25,950,000	25,652,000
securities:
taxable	5,985,000	5,915,000	6,002,000	6,319,000	5,833,000	5,931,000	6,012,000	6,164,000	6,231,000	6,236,000	3,056,000	7,327,000	6,048,000	4,583,000	3,937,000	3,627,000	3,355,000	3,079,000	2,967,000	3,005,000	3,624,000	4,029,000	4,087,000	3,907,000	3,516,000	3,681,000	3,801,000	3,601,000	5,947,000	3,593,000	3,438,000	3,500,000	3,630,000	3,757,000	3,475,000	3,506,000	3,694,000	3,831,000	3,845,000	3,918,000	3,991,000	4,061,000	4,077,000	4,196,000	4,298,000	4,444,000	4,425,000	5,038,000	3,308,000	3,508,000	3,523,000	3,629,000	4,016,000	4,321,000	4,195,000	4,544,000	4,842,000	5,008,000	5,712,000	5,819,000	6,168,000	6,412,000	6,385,000	5,997,000	5,957,000	5,836,000	5,612,000
tax-exempt	2,689,000	2,622,000	2,604,000	2,715,000	2,601,000	2,603,000	2,636,000	2,661,000	2,678,000	2,598,000	2,572,000	2,562,000	2,492,000	2,348,000	2,291,000	2,234,000	2,163,000	2,074,000	2,012,000	1,994,000	2,008,000	1,938,000	1,975,000	1,959,000	1,873,000	1,867,000	1,882,000	1,873,000	1,860,000	1,840,000	1,862,000	1,859,000	1,843,000	1,827,000	1,803,000	1,826,000	1,818,000	1,822,000	1,819,000	1,806,000	1,790,000	1,779,000	1,790,000	1,782,000	1,766,000	1,746,000	1,765,000	1,750,000	1,827,000	1,810,000	1,805,000	1,704,000	1,712,000	1,699,000	1,664,000	1,680,000	1,676,000	1,627,000	1,672,000	1,648,000	1,641,000	1,609,000	1,581,000	1,597,000	1,694,000	1,606,000	1,576,000
other	900,000	865,000	814,000	1,294,000	878,000	817,000	676,000	752,000	841,000	1,271,000	4,959,000	336,000	358,000	365,000	358,000	347,000	387,000	346,000	402,000	463,000	400,000	402,000	451,000	366,000	337,000	314,000	327,000	320,000	318,000	321,000	401,000	327,000	330,000	321,000	381,000	365,000	367,000	364,000	380,000	401,000	433,000	431,000	428,000	459,000	426,000	416,000	363,000	421,000	568,000	590,000	623,000	583,000	479,000	471,000	476,000	607,000	430,000	536,000	508,000	461,000	470,000	554,000	624,000	917,000	603,000	812,000	782,000
total interest income	76,644,000	74,177,000	73,032,000	71,695,000	60,771,000	59,403,000	58,745,000	58,723,000	56,229,000	54,700,000	52,199,000	48,246,000	43,203,000	39,653,000	28,343,000	38,145,000	37,871,000	37,356,000	30,049,500	39,539,000	39,256,000	41,403,000	26,367,500	39,595,000	33,259,000	32,616,000	23,413,750	31,375,000	32,903,000	29,377,000	21,194,750	28,805,000	28,128,000	27,846,000	20,450,250	27,450,000	27,150,000	27,201,000	20,414,500	27,603,000	26,977,000	27,078,000	21,328,750	28,376,000	28,115,000	28,824,000	21,741,500	29,719,000	30,428,000	31,134,000	31,149,000	21,984,000	29,150,000	29,495,000	29,291,000	31,186,000	30,980,000	31,192,000	32,224,000	30,658,000	31,186,000	33,374,000	33,271,000	34,287,000	34,915,000	34,204,000	33,622,000
interest expense:
deposits	18,002,000	18,495,000	18,199,000	22,197,000	19,694,000	17,731,000	16,583,000	13,627,000	11,957,000	9,527,000	7,950,000	4,644,000	2,473,000	1,676,000	1,823,000	1,959,000	2,090,000	2,286,000	2,563,000	2,689,000	3,019,000	4,530,000	4,509,000	5,069,000	3,316,000	2,817,000	2,778,000	2,365,000	2,125,000	1,764,000	1,704,000	1,561,000	1,471,000	1,275,000	1,126,000	1,016,000	1,030,000	987,000	954,000	963,000	997,000	1,020,000	1,013,000	1,088,000	1,233,000	1,290,000	1,261,000	1,349,000	1,881,000	2,169,000	2,664,000	2,788,000	2,974,000	3,082,000	3,283,000	3,932,000	4,259,000	4,398,000	5,012,000	5,573,000	6,204,000	7,378,000	8,376,000	10,217,000	10,676,000	10,384,000	10,205,000
short-term borrowings	1,916,000	1,398,000	1,693,000	993,000	959,000	976,000	1,345,000	1,923,000	1,294,000	808,000	567,000	418,000	176,000	82,000	96,000	99,000	94,000	98,000	93,000	107,000	101,000	267,000	319,000	305,000	158,000	323,000	147,000	167,000	88,000	99,000	30,000	98,000	73,000	44,000	34,000	51,000	26,000	23,000	16,000	22,000	19,000	13,000	14,000	49,000	22,000	14,000	16,000	23,000	33,000	37,000	46,000	36,000	56,000	41,000	54,000	80,000	80,000	90,000	145,000	137,000	143,000	290,000	200,000	367,000	499,000	449,000	232,000
other borrowings	2,123,000	1,613,000	1,165,000	1,335,000	824,000	1,776,000	1,227,000	2,023,000	791,000	30,000	24,000	80,000	85,000	84,000	75,000	59,000	59,000	59,000	61,000	212,000	241,000	256,000	348,000	222,000	33,000	50,000	49,000	16,000	6,000	41,000		38,000	24,000	20,000	13,000	32,000	35,000	34,000	36,000	42,000	37,000	50,000	77,000	94,000	254,000	378,000	427,000	549,000	1,108,000	1,266,000	1,274,000	1,205,000	1,216,000	1,213,000	1,199,000	2,521,000	2,560,000	3,423,000	4,200,000	4,372,000	4,376,000	4,602,000	4,735,000	4,747,000	4,991,000	4,806,000	4,728,000
total interest expense	22,041,000	21,506,000	21,057,000	24,525,000	21,477,000	20,483,000	19,155,000	17,573,000	14,042,000	10,365,000	8,541,000	5,142,000	2,734,000	1,842,000	1,994,000	2,117,000	2,243,000	2,443,000	2,717,000	3,008,000	3,361,000	5,053,000	5,176,000	5,596,000	3,507,000	3,190,000	2,974,000	2,548,000	2,219,000	1,904,000	1,734,000	1,697,000	1,568,000	1,339,000	1,173,000	1,099,000	1,091,000	1,044,000	1,006,000	1,027,000	1,053,000	1,083,000	1,104,000	1,231,000	1,509,000	1,682,000	1,704,000	1,921,000	3,022,000	3,472,000	3,984,000	4,029,000	4,246,000	4,336,000	4,536,000	6,533,000	6,899,000	7,911,000	9,357,000	10,082,000	10,723,000	12,270,000	13,311,000	15,331,000	16,166,000	15,639,000	15,165,000
net interest income	54,603,000	52,671,000	51,975,000	47,170,000	39,294,000	38,920,000	39,590,000	41,150,000	42,187,000	44,335,000	43,658,000	43,104,000	40,469,000	37,811,000	36,832,000	36,028,000	35,628,000	34,913,000	37,570,000	36,531,000	35,895,000	36,350,000	38,475,000	33,999,000	29,752,000	29,426,000	29,595,000	28,827,000	30,684,000	27,473,000	27,682,000	27,108,000	26,560,000	26,507,000	26,406,000	26,351,000	26,059,000	26,157,000	26,012,000	26,576,000	25,924,000	25,995,000	26,939,000	27,145,000	26,606,000	27,142,000	27,551,000	27,798,000	27,406,000	27,662,000	27,165,000	24,376,000	24,904,000	25,159,000	24,755,000	24,653,000	24,081,000	23,281,000	22,867,000	20,576,000	20,463,000	21,104,000	19,960,000	18,956,000	18,749,000	18,565,000	18,457,000
provision for credit losses	1,950,000	1,950,000	1,950,000	9,400,000	2,966,000	1,800,000	2,495,000	1,200,000	1,800,000	1,800,000			750,000	-6,550,000	-811,000	-1,500,000
net interest income after provision
for credit losses	52,653,000	50,721,000	50,025,000	37,770,000	36,328,000	37,120,000	37,095,000	39,950,000	40,387,000	42,535,000	40,933,000	42,054,000	39,719,000	44,361,000	27,453,250	37,528,000	37,824,000	34,461,000
non-interest income:
trust and financial services	1,278,000	1,490,000	1,393,000	1,251,000	1,318,000	1,333,000	1,513,000	1,140,000	1,185,000	1,317,000	1,468,000	1,015,000	1,300,000	1,372,000	1,481,000	1,156,000	1,313,000	1,305,000	1,391,000	1,210,000	1,288,000	1,534,000	1,379,000	1,329,000	1,124,000	1,204,000	1,398,000	1,133,000	1,340,000	1,415,000	1,341,000	1,194,000	1,149,000	1,317,000	1,312,000	1,270,000	1,292,000	1,334,000	1,459,000	1,382,000	1,253,000	1,492,000	1,571,000	1,386,000	1,414,000	1,489,000	1,704,000	1,402,000	1,413,000	1,439,000	1,480,000	1,014,000	1,002,000	1,191,000	1,337,000	1,077,000	1,197,000	1,259,000	1,174,000	932,000	1,014,000	981,000	990,000	1,119,000
service charges and fees on deposit accounts	8,104,000	7,554,000	7,585,000	8,139,000	6,730,000	6,708,000	7,108,000	7,099,000	7,054,000	6,818,000	6,842,000	6,965,000	7,079,000	6,654,000	2,822,000	2,697,000	2,327,000	2,243,000	2,640,000	2,516,000	2,102,000	2,998,000	3,209,000	3,227,000	2,735,000	2,624,000	3,000,000	3,002,000	2,846,000	2,885,000	3,066,000	3,048,000	3,004,000	2,777,000	2,660,000	2,765,000	2,601,000	2,504,000	2,588,000	2,688,000	2,543,000	2,326,000	2,714,000	2,813,000	2,761,000	2,484,000	2,821,000	2,693,000	2,560,000	2,402,000	2,204,000	2,187,000	2,305,000	2,354,000	2,149,000	2,737,000	2,670,000	2,402,000	2,968,000	2,767,000	2,497,000	3,157,000	2,988,000	2,792,000	3,062,000	3,020,000	2,721,000
other service charges and fees	251,000	256,000	316,000	191,000	286,000	223,000	188,000	213,000	196,000	204,000	177,000	160,000	222,000	106,000	4,465,000	4,466,000	5,039,000	4,242,000	4,176,000	4,269,000	3,869,000	3,330,000	3,770,000	3,720,000	3,408,000	3,114,000	3,265,000	3,256,000	3,347,000	3,144,000	3,130,000	3,070,000	3,114,000	3,185,000	3,096,000	3,062,000	3,149,000	3,000,000	2,880,000	3,080,000	3,000,000	2,838,000	2,757,000	3,112,000	2,989,000	2,839,000	3,037,000	2,818,000	2,506,000	2,276,000	2,455,000	2,066,000	2,142,000	2,092,000	1,989,000	2,027,000	1,938,000	1,821,000	1,871,000	1,652,000	1,532,000	1,640,000	1,477,000	1,394,000	1,492,000	1,462,000	1,305,000
securities gains	24,000	-3,000		103,000							-2,000			5,000	27,750	5,000	258,000	-152,000	57,500	5,000	31,000	194,000	4,500	6,000	16,000	-4,000	1,250	3,000	2,000		11,000	27,000	15,000																			1,750		4,000	3,000
interchange income	176,000	180,000	214,000	177,000	135,000	179,000	629,000			47,000	141,000	149,000	151,000	118,000
loan servicing fees	338,000	326,000	165,000	274,000	414,000	269,000	179,000	447,000	264,000	285,000	370,000	457,000	368,000	359,000
gain on sales of mortgage loans	494,000	430,000	225,000	411,000	299,000	176,000	155,000	321,000	311,000	180,000	289,000	440,000	603,000	662,000	1,067,000	1,425,000	1,450,000	1,393,000	1,203,250	2,910,000	1,205,000	698,000	445,250	865,000	496,000	420,000	364,500	618,000	500,000	340,000	313,750	535,000	393,000	327,000	351,750	522,000	481,000	404,000	378,000	611,000	542,000	359,000	338,000	519,000	457,000	376,000	622,250	583,000	1,253,000	792,000	925,000	286,000	406,000	401,000	337,000	630,000	399,000	272,000	526,000	608,000	576,000	184,000	185,000	225,000			184,000
total non-interest income	11,149,000	10,381,000	10,511,000	11,223,000	9,905,000	9,431,000	11,247,000	11,627,000	10,453,000	9,375,000	10,568,000	12,140,000	10,270,000	13,738,000	10,767,000	11,092,000	10,931,000	9,294,000	12,866,000	11,739,000	8,776,000	9,095,000	11,327,000	9,746,000	9,743,000	7,636,000	8,233,000	8,909,000	12,961,000	8,103,000	8,236,000	8,540,000	8,113,000	11,049,000	8,428,000	7,923,000	8,214,000	22,366,000	9,389,000	9,951,000	9,778,000	10,061,000	10,851,000	10,494,000	9,565,000	10,111,000	11,278,000	9,637,000	9,688,000	9,757,000	9,511,000	8,242,000	8,910,000	7,886,000	8,302,000	7,296,000	7,872,000	5,014,000	10,299,000	7,715,000	4,746,000	1,440,000	7,641,000	8,649,000	7,835,000	7,529,000	8,147,000
non-interest expense:
salaries and employee benefits	19,788,000	19,689,000	19,248,000	18,521,000	17,380,000	17,330,000	17,262,000	17,159,000	16,946,000	17,158,000	16,602,000	15,943,000	15,668,000	17,342,000	16,996,000	15,770,000	16,031,000	15,677,000	16,162,000	15,474,000	14,323,000	15,972,000	15,495,000	14,031,000	12,546,000	12,755,000	12,630,000	12,485,000	12,578,000	12,965,000	12,637,000	12,790,000	12,519,000	13,376,000	13,110,000	12,883,000	13,142,000	13,595,000	15,004,000	14,963,000	15,084,000	15,058,000	13,872,000	14,081,000	13,887,000	14,096,000	14,015,000	13,773,000	13,695,000	13,891,000	14,419,000	10,932,000	11,475,000	11,517,000	11,438,000	12,046,000	10,678,000	10,830,000	10,619,000	10,014,000	10,180,000	10,043,000	10,125,000	10,333,000	9,606,000	9,615,000	9,952,000
occupancy expense	2,738,000	2,472,000	2,676,000	2,556,000	2,201,000	2,359,000	2,231,000	2,389,000	2,132,000	2,599,000	2,345,000	2,525,000	2,372,000	2,522,000	2,472,000	2,151,000	2,002,000	2,149,000	2,108,000	2,003,000	2,162,000	1,929,000	2,168,000	1,804,000	1,813,000	1,815,000	1,722,000	1,894,000	1,633,000	1,781,000	1,599,000	1,769,000	1,761,000	1,768,000	1,627,000	1,785,000	1,722,000	1,731,000	1,656,000	1,756,000	1,702,000	1,864,000	1,728,000	1,776,000	1,789,000	1,925,000	1,460,000	1,544,000	1,465,000	1,488,000	1,417,000	1,153,000	1,171,000	1,203,000	1,250,000	1,374,000	1,151,000	1,251,000	1,171,000	1,027,000	1,092,000	1,047,000	988,000	1,049,000	1,003,000	1,031,000	1,040,000
equipment expense	4,811,000	4,587,000	4,505,000	4,280,000	4,312,000	4,144,000	3,616,000	3,580,000	3,525,000	3,299,000	3,214,000	3,311,000	2,959,000	2,907,000	2,979,000	2,177,000	2,440,000	2,578,000	2,695,000	2,739,000	2,673,000	2,461,000	2,559,000	2,117,000	1,751,000	1,817,000	1,811,000	1,673,000	1,650,000	1,693,000	1,762,000	1,792,000	1,835,000	1,797,000	1,777,000	1,878,000	1,808,000	1,837,000	1,781,000	1,736,000	1,702,000	1,772,000	1,802,000	1,905,000	1,904,000	1,658,000	1,624,000	1,686,000	1,335,000	1,399,000	1,282,000	1,044,000	1,079,000	1,095,000	1,134,000	1,190,000	1,205,000	1,216,000	1,174,000	1,109,000	1,121,000	1,185,000	1,126,000	1,113,000	1,078,000	1,069,000	1,098,000
fdic expense	690,000	795,000	750,000	558,000	501,000	662,000	930,000	613,000	577,000	787,000	801,000	556,000	542,000	428,000	224,500	313,000	287,000	298,000	-11,500	135,000	49,000	-230,000	123,500	155,000	199,000	140,000	168,250	223,000	223,000	227,000	172,250	228,000	228,000	233,000	302,500	356,000	403,000	451,000	337,000	468,000	450,000	430,000	374,000	536,000	473,000	487,000	389,750	500,000	494,000	527,000				536,000			727,000			1,601,000
total non-interest expense	38,048,000	38,276,000	36,759,000	38,564,000	32,651,000	33,422,000	34,244,000	32,265,000	31,346,000	32,321,000	32,501,000	31,504,000	30,674,000	31,344,000	33,312,000	28,459,000	27,996,000	27,639,000	31,191,000	27,130,000	26,883,000	27,554,000	29,811,000	27,409,000	23,492,000	23,693,000	23,098,000	22,297,000	22,683,000	23,211,000	21,798,000	22,284,000	22,088,000	22,577,000	22,195,000	22,006,000	22,760,000	23,347,000	24,943,000	24,152,000	25,310,000	23,993,000	23,361,000	24,705,000	24,049,000	23,705,000	24,153,000	24,819,000	22,964,000	23,102,000	23,420,000	18,272,000	18,553,000	19,412,000	18,950,000	20,580,000	18,700,000	18,281,000	18,511,000	18,002,000	16,697,000	16,503,000	16,230,000	16,424,000	16,128,000	16,108,000	16,058,000
income before income taxes	25,754,000	22,826,000	23,777,000	10,429,000	13,582,000	13,129,000	14,098,000	19,312,000	19,494,000	19,589,000	19,000,000	22,690,000	19,315,000	26,755,000	8,577,000	20,161,000	20,759,000	16,116,000	18,797,000	16,715,000	14,823,000	15,201,000	18,491,000	14,836,000	15,773,000	11,899,000	13,260,000	13,969,000	19,607,000	10,892,000	12,646,000	12,179,000	11,545,000	13,383,000	11,700,000	11,177,000	11,078,000	24,341,000	9,408,000	11,325,000	9,242,000	10,613,000	12,467,000	11,428,000	12,478,000	11,588,000	13,292,000	12,121,000	11,571,000	12,528,000	10,300,000	12,485,000	13,901,000	12,281,000	12,925,000	8,979,000	11,063,000	7,584,000	10,965,000	5,843,000	5,682,000	3,826,000	9,636,000	9,256,000	8,881,000	8,746,000	8,856,000
provision for income taxes	4,992,000	4,240,000	5,371,000	1,688,000	2,213,000	2,205,000	1,678,000	3,027,000	3,507,000	3,609,000			3,702,000	5,831,000	1,179,000	4,063,000							2,000,000	2,579,000									3,193,000																		2,857,000	2,324,000	4,087,000	3,864,000	4,122,000
net income	20,762,000	18,586,000	18,406,000	8,741,000	11,369,000	10,924,000	12,420,000	16,285,000	15,987,000	15,980,000	16,521,000	18,051,000	15,613,000	20,924,000	7,398,000	16,098,000	16,614,000	12,877,000	15,739,000	14,000,000	11,924,000	12,181,000	14,364,000	12,257,000	12,569,000	9,682,000	11,056,000	11,313,000	15,261,000	8,953,000	2,616,000	8,794,000	8,352,000	9,369,000	8,344,000	8,162,000	8,232,000	13,675,000	7,114,000	8,398,000	6,923,000	7,761,000	9,181,000	8,272,000	8,488,000	7,831,000	8,923,000	8,472,000	8,091,000	8,705,000	7,443,000	10,161,000	9,814,000	8,417,000	8,803,000	6,293,000	7,713,000	5,686,000	7,719,000	4,621,000	4,530,000	3,502,000	7,143,000	6,950,000	6,362,000	6,413,000	6,423,000
yoy	82.62%	70.14%	48.20%	-46.32%	-28.89%	-31.64%	-24.82%	-9.78%	2.40%	-23.63%	123.32%	12.13%	-6.03%	62.49%	-53.00%	14.99%	39.33%	5.71%	9.57%	14.22%	-5.13%	25.81%	29.92%	8.34%	-17.64%	8.14%	322.63%	28.64%	82.72%	-4.44%	-68.65%	7.74%	1.46%	-31.49%	17.29%	-2.81%	18.91%	76.20%	-22.51%	1.52%	-18.44%	-0.89%	2.89%	-2.36%	4.91%	-10.04%	19.88%	-16.62%	-17.56%	3.42%	-15.45%	61.47%	27.24%	48.03%	14.04%	36.18%	70.26%	62.36%	8.06%	-33.51%	-28.80%	-45.39%	11.21%
qoq	11.71%	0.98%	110.57%	-23.12%	4.07%	-12.05%	-23.73%	1.86%	0.04%	-3.27%	-8.48%	15.62%	-25.38%	182.83%	-54.04%	-3.11%	29.02%	-18.18%	12.42%	17.41%	-2.11%	-15.20%	17.19%	-2.48%	29.82%	-12.43%	-2.27%	-25.87%	70.46%	242.24%	-70.25%	5.29%	-10.85%	12.28%	2.23%	-0.85%	-39.80%	92.23%	-15.29%	21.31%	-10.80%	-15.47%	10.99%	-2.54%	8.39%	-12.24%	5.32%	4.71%	-7.05%	16.96%	-26.75%	3.54%	16.60%	-4.38%	39.89%	-18.41%	35.65%	-26.34%	67.04%	2.01%	29.35%	-50.97%	2.78%	9.24%	-0.80%	-0.16%
other comprehensive income
change in unrealized gains on securities, net of reclassifications and taxes	19,596,000	2,946,000	11,100,000	31,628,000	3,535,000	-11,096,000	47,400,000	-34,934,000	-15,808,000	14,238,000			-55,919,000	-68,914,000	-6,207,000	-2,985,000							5,672,250	4,124,000									5,045,000
change in funded status of post retirement benefits, net of taxes	3,000	2,000	3,000	73,000	74,000	73,000	1,551,000	146,000	147,000	147,000	6,078,000	315,000	314,000	315,000	353,750	471,000	472,000	472,000	292,750	383,000	384,000	404,000	227,500	303,000	304,000	303,000	210,750	281,000	281,000	281,000	137,750	184,000	184,000	183,000	228,000	304,000	304,000	304,000	1,025,500	819,000	819,000	2,464,000	86,500	116,000	115,000	115,000
comprehensive income	40,361,000	21,534,000	29,509,000	40,442,000	14,978,000	-99,000	61,371,000	-18,503,000	326,000	30,365,000	43,922,000	-22,694,000	-39,992,000	-47,675,000	6,074,000	13,584,000	18,858,000	2,281,000	13,382,000	16,606,000	15,438,000	25,683,000	6,718,000	16,684,000	21,214,000	20,209,000	19,912,000	7,892,000	10,860,000	1,535,000	-6,657,000	8,927,000	13,581,000	12,740,000	-3,408,000	9,243,000	9,798,000	18,018,000	6,471,000	13,688,000	178,000	14,987,000	-3,023,000	10,267,000	12,719,000	13,249,000	16,082,000	6,490,000	10,352,000	9,449,000	7,855,000
per share data
basic and diluted earnings per share	1.75	1.57	1.55	0.74	0.96	0.93	1.06	1.37	1.33	1.33	1.37	1.5	1.27	1.67	0.855	1.24	1.24	0.95	0.695	1.02	0.87	0.89	0.685	0.93	1.02	0.79	0.725	0.92	1.25	0.73	0.543	0.72	0.68	0.77	0.608	0.67	0.68	1.08	0.448	0.65	0.54	0.6	0.463	0.62	0.63	0.59	0.425	0.64							0.67			0.43			0.35
weighted-average number of shares outstanding	11,851	11,851	11,842	11,808	11,814	11,803	11,937	11,901	12,022	12,058	12,211	12,029	12,248	12,538	13,190	13,019	13,414	13,533	13,716	13,715	13,715	13,740	12,865	13,141	12,290	12,282	12,256	12,255	12,255	12,248	12,225	12,224	12,224	12,217	12,317	12,186	12,236	12,646	12,836	12,773	12,903	12,948	13,226	13,269	13,355	13,349	13,310	13,307	13,238	13,238	13,223	13,163	13,152	13,152	13,152	13,107	13,112	13,120	13,117	13,117	13,117	13,099	13,102	13,123	13,136	13,200	13,250

benefit from credit losses											-1,187,500	1,050,000					-2,196,000	452,000
benefit from income taxes											3,543,000	4,639,000					4,145,000	3,239,000	3,058,000	2,715,000	2,899,000	3,020,000			3,204,000	2,217,000	2,204,000	2,656,000	4,346,000	1,939,000	10,030,000	3,385,000		4,014,000	3,356,000	3,015,000	2,846,000	10,666,000	2,294,000	2,927,000	2,319,000	2,852,000	3,286,000	3,156,000	3,990,000	3,757,000	4,369,000	3,649,000	3,480,000	3,823,000						2,686,000	3,350,000	1,898,000	3,246,000	1,222,000	1,152,000	324,000	2,493,000	2,306,000	2,519,000	2,333,000	2,433,000
change in unrealized gains/(losses) on securities, net of reclassifications and taxes											-41,473,250	-41,060,000					1,772,000	-11,068,000	818,000	2,223,000	3,130,000	13,098,000			8,341,000	10,224,000	7,222,000	-3,702,000	-4,682,000	-7,699,000	-4,847,000	-51,000
benefit from loan losses																			2,520,000	4,425,000	2,965,000	2,690,000			230,000	1,470,000	1,470,000	1,470,000	1,355,000	1,473,000	1,474,000	1,185,000		1,596,000	939,000	1,091,000	435,000	835,000	1,050,000	1,050,000	1,150,000	1,450,000	777,500	1,506,000	-356,000	1,960,000	1,619,000	495,000	2,559,000	1,789,000						2,390,000	2,190,000	2,430,000	3,690,000	2,860,000	2,830,000	2,215,000	1,735,000	1,925,000	1,575,000	1,240,000	1,690,000
for loan losses																			24,674,000	32,106,000	32,930,000	33,660,000	22,494,250	32,499,000	29,522,000	27,956,000	20,671,500	27,357,000	29,329,000	26,000,000	19,088,500	25,923,000	25,520,000	24,911,000	19,051,500	25,260,000	25,624,000	25,322,000	18,711,250	25,526,000	24,774,000	24,545,000	19,445,750	25,639,000	26,962,000	25,182,000	18,308,250	27,303,000						23,807,000			21,891,000	20,851,000
provision for loan losses																							800,000	1,500,000									1,040,000																		2,956,000	973,500	1,360,000	1,352,000	1,182,000
recovery of security previously written down for otti																											1,039,500		4,158,000
insurance commissions																														32,000	-17,000	33,000	36,000	22,000	6,000	35,000	33,000	2,272,000	1,743,000	1,693,000	1,956,000	1,553,000	2,026,000	2,091,000	1,852,000	1,913,000	1,950,000	1,896,000	1,736,000	1,799,000	1,891,000	2,019,000	1,935,000	1,673,000	1,720,000	1,590,000	1,582,000	1,670,000	1,584,000	1,577,000	1,439,000	1,556,000	1,637,000	1,559,000	1,715,000	1,546,000	1,398,000
gain on sale of certain assets and liabilities of insurance brokerage operation																																				-199,000		13,021,000
securities gains/(losses)																																		2,000	6,500	13,000	10,000	3,000	5,750	9,000	10,000	4,000	-250		-1,000		1,750		17,000	664,000						28,000		245,000		2,000		-6,139,000	1,000	354,000			20,000
change in unrealized gains/losses on securities, net of reclassifications and taxes																																		3,188,000	1,519,250	777,000	1,262,000	4,039,000	417,250	4,471,000	-7,564,000	4,762,000	2,615,000	1,879,000	4,116,000	5,303,000
dividends per share																																											0.123		0.49		0.12			0.47		0.118	0.47	0.47			0.46			0.45			0.44			0.43
total impairment losses																																																								-859,000	-71,000		-8,531,000	-22,532,000
loss recognized in other comprehensive loss																																																											5,209,000	20,946,000
net impairment loss recognized in earnings																																																								-859,000	-71,000	-3,099,000		-1,586,000
change in unrealized gains/losses on securities, net of reclassifications																																															-6,165,000	-3,790,000	3,123,000	570,000	70,000
tax effect																																															2,528,000	1,468,000
change in funded status of post retirement benefits																																															371,500	566,000	645,000	670,000	617,000
total other comprehensive income																																															-3,414,000	-1,982,000	2,261,000	744,000	412,000
net interest income after benefit from loan losses																																																	24,847,000	25,873,000						22,263,000			19,177,000	17,716,000	17,633,000	18,889,000	18,225,000	17,031,000	17,174,000	17,325,000	16,767,000
per share data
basic and diluted																																																	0.61	0.66		0.515	0.75	0.64		0.48	0.59		0.59	0.35		0.27	0.55
net interest income after provision for loan losses																																																			24,209,000	22,515,000	23,544,000		23,573,000
fdic insurance																																																			428,000	360,000	161,000		743,000	757,000			692,000
earnings per share:
basic and diluted																																																			0.56
total impairment loss																																																										-6,295,000
loss recognized in other comprehensive income																																																										3,196,000
gain on bargain purchase																																																											5,409,000
non-int erest exp ense:
other than temporary impairment
other-than-temporary impairment losses																																																													-2,979,000
earnings per share																																																																0.53			0.48
trust department income																																																																	926,000	942,000	978,000
gain on sale of mortgage loans																																																																	211,000	220,000
non-interest expenses:
per share data:
basic and diluted																																																																	0.48	0.48

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	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	2012-09-30	2012-06-30	2012-03-31	2011-12-31	2011-09-30	2011-06-30	2011-03-31	2010-09-30	2010-06-30	2010-03-31	2009-09-30	2009-06-30	2009-03-31	2008-09-30	2008-06-30	2008-03-31	2007-09-30	2007-06-30	2007-03-31

assets
cash and due from banks	87,438,000	97,265,000	86,211,000	93,526,000	77,312,000	75,073,000	69,231,000	76,759	74,668,000	82,095,000	82,621,000	222,517	328,222,000	412,136,000	598,175,000	682,807,000	758,120,000	677,862,000	666,846,000	657,470,000	388,440,000	386,507,000	211,034,000	127,426,000	80,193,000	60,884,000	54,627,000	74,388,000	50,018,000	50,081,000	41,156,000	74,107,000	61,003,000	55,379,000	50,522,000	75,012,000	67,396,000	55,438,000	66,125,000	88,695,000	63,278,000	60,613,000	88,492,000	78,102,000	96,998,000	84,774,000	83,988,000	71,033,000	80,899,000	63,638,000	84,669,000	62,977,000	134,280,000	57,246,000	59,958,000	45,579,000	63,151,000	60,302,000	65,202,000	70,037,000	54,664,000	51,267,000	49,824,000	80,809,000	67,926,000	59,090	71,074	69,255,000
federal funds sold	157,000	853,000	427,000	820,000	1,356,000	24,000,000		282	688,000	363,000	12,931,000	9,374	8,223,000	11,133,000	736,000	308,000	6,183,000	516,000	585,000	301,000	659,000		1,000	7,500,000		2,200,000	2,000,000		7,600,000		1,500,000		9,398,000		5,000,000	6,952,000	44,505,000	5,500,000	6,444,000	9,815,000		2,000,000	12,688,000	8,000,000	14,980,000	9,370,000	9,791,000	4,276,000	3,420,000			108,128,000	11,725,000
securities available-for-sale	1,186,107,000	1,169,956,000	1,182,495,000	1,195,990,000	1,271,992,000	1,205,751,000	1,218,287,000	1,259,137	1,225,219,000	1,299,226,000	1,340,781,000	1,330,481	1,331,985,000	1,338,452,000	1,359,483,000	1,364,734,000	1,270,820,000	1,219,625,000	1,097,093,000	1,020,744,000	956,239,000	907,433,000	932,041,000	926,717,000	939,944,000	791,537,000	786,211,000	784,916,000	785,693,000	782,609,000	805,558,000	814,931,000	835,424,000	851,577,000	855,681,000	853,725,000	866,701,000	876,538,000	884,176,000	891,082,000	885,836,000	901,550,000	906,341,000	897,053,000	900,110,000	912,495,000	921,165,000	914,560,000	872,675,000	656,506,000	658,751,000	664,660,000	666,287,000	610,878,000	614,050,000	601,213,000	594,476,000	600,986,000	578,364,000	605,223,000	587,454,000	600,777,000	596,750,000	606,543,000	610,700,000	600,574	599,018	563,773,000
loans:
commercial	2,282,062,000	2,222,015,000	2,208,426,000	2,196,351,000	2,112,738,000	1,782,646,000	1,816,854,000	1,817,526	1,775,004,000	1,812,035,000	1,798,240,000	1,798,260	1,717,265,000	1,707,105,000	1,701,507,000		1,457,984,000	1,521,707,000	1,571,142,000		1,657,083,000	1,694,376,000	1,567,340,000		1,583,002,000	1,188,283,000	1,180,347,000		1,150,536,000	1,138,255,000	1,135,927,000		1,109,098,000	1,107,658,000	1,102,672,000		1,083,129,000	1,082,461,000	1,047,599,000		1,040,677,000	1,068,832,000	1,041,694,000		1,064,375,000	1,046,883,000	1,037,518,000		1,057,823,000	1,078,449,000	1,101,791,000	1,065,735,000		925,265,000	915,878,000	882,769,000	881,741,000
residential	997,915,000	987,738,000	966,521,000	967,386,000	924,276,000	748,044,000	710,496,000	695,788	687,069,000	689,199,000	675,978,000	673,464	676,400,000	670,641,000	635,264,000		535,855,000	564,859,000	592,053,000		626,441,000	657,657,000	663,060,000		708,056,000	461,616,000	452,384,000		443,264,000	442,163,000	436,119,000		429,311,000	429,827,000	420,963,000		430,346,000	430,082,000	436,873,000		451,425,000	445,107,000	448,842,000		477,021,000	477,265,000	481,663,000		482,477,000	507,446,000	500,110,000	500,927,000			434,125,000	431,650,000
consumer	682,438,000	681,538,000	673,751,000	668,058,000	671,353,000	666,130,000	657,299,000	646,758	647,658,000	625,442,000	598,299,000	588,539	570,245,000	509,781,000	464,035,000		482,115,000	482,147,000	477,633,000		468,684,000	425,601,000	387,980,000		373,747,000	357,012,000	348,193,000		345,132,000	345,404,000	332,115,000		325,035,000	316,542,000	308,196,000		304,840,000	287,308,000	276,471,000		272,235,000	267,884,000	264,529,000		269,291,000	268,403,000	265,428,000		269,282,000	273,196,000	276,758,000	283,529,000		292,149,000	295,917,000	297,296,000	315,262,000
loans: - sum	3,962,415,000		3,848,698,000		3,708,367,000	3,196,820,000									2,800,806,000																																					1,850,191,000		1,658,527,000	1,645,920,000	1,611,715,000
(less) plus:
net deferred loan (fees)/costs	4,986,000	5,272,000	5,322,000	5,346,000	6,868,000	7,189,000	7,334,000	7,749	7,895,000	7,962,000	7,527,000	7,175	6,565,000	4,961,000	3,844,000		3,956,000	2,241,000	6,109,000		1,285,000	-551,000
allowance for credit losses	-47,411,000	-47,087,000	-46,835,000	-46,732,000	-46,169,000	-38,334,000	-40,045,000	-39,767	-39,034,000	-39,907,000	-39,620,000	-39,779	-39,495,000	-41,468,000	-40,516,000		-42,962,000	-44,732,000	-46,776,000
restricted stock	18,761,000	17,528,000	17,528,000	17,555,000	15,366,000	15,378,000	15,371,000	15,364	15,398,000	15,391,000	15,384,000	15,378	15,372,000	15,620,000	15,547,000	16,200,000	14,837,000	14,825,000	14,825,000	14,812,000	15,012,000	15,200,000	15,400,000	15,394,000	13,624,000	10,412,000	10,412,000	10,390,000	10,390,000	10,390,000	10,390,000	10,379,000	10,379,000	10,369,000	10,369,000	10,359,000	10,848,000	10,848,000	10,838,000	10,838,000	10,838,000	10,828,000	16,404,000	16,404,000	21,075,000	21,064,000	21,057,000	21,057,000	21,050,000	21,296,000	21,296,000	21,110,000	22,282,000	21,965,000	21,965,000	25,308,000	27,835,000	27,835,000	27,835,000	28,348,000	26,227,000	26,227,000	26,227,000	26,227,000	26,227,000
accrued interest receivable	26,526,000	25,888,000	25,556,000	26,934,000	25,386,000	23,733,000	23,851,000	24,877	22,546,000	21,311,000	20,402,000	21,288	19,128,000	16,701,000	15,633,000	16,946,000	15,963,000	15,103,000	15,465,000	16,957,000	18,482,000	17,205,000	17,098,000	18,523,000	18,735,000	13,877,000	14,379,000	13,970,000	14,630,000	12,345,000	12,983,000	12,913,000	13,364,000	11,564,000	12,099,000	12,311,000	12,846,000	10,869,000	11,907,000	11,733,000	12,265,000	11,116,000	11,381,000	11,593,000	12,100,000	10,950,000	11,451,000	11,554,000	11,767,000	12,785,000	11,829,000	11,693,000	12,947,000	11,322,000	10,426,000	10,506,000	11,769,000	10,959,000	10,933,000	12,706,000	11,907,000	12,132,000	13,371,000	11,866,000	12,450,000	14,051	12,673	12,433,000
premises and equipment	79,351,000	79,741,000	80,317,000	81,508,000	82,213,000	65,750,000	66,830,000	67,286	67,424,000	67,127,000	68,158,000	66,147	68,113,000	69,022,000	69,978,000	69,522,000	63,187,000	63,895,000	62,584,000	62,063,000	62,968,000	63,270,000	63,140,000	62,576,000	70,592,000	45,662,000	45,977,000	46,554,000	46,985,000	47,372,000	47,771,000	48,272,000	47,289,000	48,296,000	48,566,000	49,240,000	49,688,000	49,353,000	50,394,000	50,531,000	50,834,000	50,348,000	50,970,000	51,802,000	52,573,000	51,754,000	50,655,000	51,449,000	51,875,000	44,722,000	44,945,000	40,624,000	40,105,000	33,578,000	34,157,000	34,251,000	34,519,000	35,079,000	35,430,000	32,464,000	31,728,000	32,166,000	32,237,000	32,541,000	32,196,000	32,640	32,651	33,099,000
bank-owned life insurance	130,747,000	130,072,000	129,410,000	128,766,000	128,242,000	114,767,000	114,683,000	114,122	113,684,000	116,613,000	116,117,000	115,704	116,034,000	117,695,000	117,354,000	116,997,000	106,895,000	106,560,000	96,184,000	95,849,000	95,459,000	95,013,000	94,633,000	94,251,000	97,810,000	86,757,000	86,471,000	86,186,000	85,901,000	85,606,000	85,306,000	85,016,000	84,644,000	84,343,000	84,040,000	83,737,000	83,377,000	83,023,000	82,673,000	82,323,000	81,961,000	81,568,000	81,149,000	80,730,000	80,311,000	79,863,000	79,444,000	79,035,000	78,679,000	76,280,000	74,187,000	75,018,000	82,646,000	72,937,000	67,035,000	66,570,000	65,597,000	65,008,000	64,589,000	63,535,000	63,029,000	62,574,000	61,566,000	61,054,000	60,537,000	59,438	58,927	58,415,000
goodwill	98,229,000	98,229,000	100,026,000	100,026,000	97,295,000	86,985,000	86,985,000	86,985	86,985,000	86,985,000	86,985,000	86,985	86,985,000	86,985,000	86,135,000	86,135,000	78,592,000	78,592,000	78,592,000	78,592,000	78,592,000	78,592,000	78,592,000	78,592,000	75,417,000	34,355,000	34,355,000	34,355,000	34,355,000	34,355,000	34,355,000	34,355,000	34,355,000	34,355,000	34,355,000	34,355,000	34,355,000	34,355,000	34,355,000	39,489,000	39,489,000	39,489,000	39,489,000	39,489,000	39,489,000	39,489,000	39,489,000	39,489,000	39,489,000	37,612,000	37,612,000	36,897,000	36,897,000	7,102,000	7,102,000	7,102,000	7,102,000	7,102,000	7,102,000	7,102,000	7,102,000	7,102,000	7,102,000	7,102,000	7,102,000	7,102	7,102	7,102,000
other intangible assets	17,385,000	18,545,000	20,045,000	21,545,000	23,131,000	5,116,000	5,351,000	5,586	5,816,000	6,079,000	6,396,000	6,714	7,024,000	7,336,000	7,680,000	8,024,000	7,725,000	8,112,000	8,539,000	8,972,000	9,405,000	9,829,000	10,236,000	10,643,000	11,261,000	969,000	1,083,000	1,197,000	1,310,000	1,424,000	1,527,000	1,630,000	1,744,000	1,857,000	1,983,000	2,109,000	2,253,000	2,397,000	2,557,000	3,178,000	3,375,000	3,572,000	3,685,000	3,901,000	4,145,000	4,388,000	4,656,000	4,935,000	5,253,000	4,216,000	4,539,000	4,784,000	5,142,000	3,306,000	3,526,000	3,813,000	3,860,000	4,178,000	4,546,000	5,698,000	1,300,000	1,406,000	1,619,000	1,724,000	1,830,000	2,044	2,150	2,257,000
other real estate owned	138,000	383,000	560,000	523,000	169,000	170,000	167,000	107	63,000	90,000	336,000	337	214,000	170,000	236,000	108,000	884,000	989,000	942,000	1,012,000	3,465,000	3,577,000	3,894,000	3,625,000	3,717,000	498,000	857,000	603,000	520,000	497,000	1,923,000	1,880,000	1,866,000	2,384,000	2,294,000	2,531,000	2,772,000	2,837,000	2,850,000	3,466,000	3,382,000	3,625,000	3,830,000	3,965,000	4,012,000	5,190,000	4,806,000	5,291,000	9,249,000	8,670,000	7,163,000	7,161,000	4,964,000	5,053,000	4,246,000	6,136,000	4,743,000	5,397,000	5,439,000	5,131,000	2,920,000	3,397,000	3,469,000	2,269,000	2,282,000	1,681	2,993	2,878,000
other assets	104,857,000	115,033,000	99,334,000	102,746,000	93,084,000	108,670,000	99,921,000	72,587	93,723,000	87,220,000	76,286,000	86,697	97,059,000	80,378,000	63,497,000	45,728,000	40,939,000	41,007,000	39,400,000	37,530,000	34,742,000	37,688,000	34,771,000	41,556,000	28,149,000	27,113,000	26,100,000	22,607,000	22,054,000	34,868,000	26,981,000	30,333,000	36,114,000	37,214,000	36,878,000	37,789,000	42,131,000	43,552,000	43,188,000	44,573,000	44,833,000	45,185,000	44,154,000	48,931,000	36,781,000	39,759,000	41,720,000	43,624,000	55,341,000	59,437,000	60,036,000	56,482,000	59,964,000	48,556,000	49,323,000	46,167,000	48,933,000	49,716,000	46,159,000	34,483,000	31,987,000	29,024,000	27,982,000	24,916,000	25,654,000	26,091	25,120	22,901,000
total assets	5,669,686,000	5,602,969,000	5,549,094,000	5,560,348,000	5,484,612,000	4,891,068,000	4,852,615,000	4,851,146	4,784,806,000	4,877,231,000	4,866,821,000	4,989,281	5,009,339,000	5,006,648,000	5,098,588,000	5,175,099,000	4,801,093,000	4,753,308,000	4,681,216,000	4,557,544,000	4,389,996,000	4,368,112,000	4,062,414,000	4,023,250,000	3,988,119,000	3,064,212,000	3,025,565,000	3,008,718,000	2,980,935,000	2,968,048,000	2,956,653,000	3,000,668,000	2,982,342,000	2,974,688,000	2,957,285,000	2,988,527,000	3,019,323,000	2,958,016,000	2,939,240,000	2,979,585,000	2,942,833,000	2,973,821,000	2,995,836,000	3,002,485,000	3,056,767,000	3,033,923,000	3,032,542,000	3,018,718,000	3,017,469,000	2,879,241,000	2,891,738,000	2,922,220,000	2,954,061,000	2,511,295,000	2,501,952,000	2,496,164,000	2,562,143,000	2,529,069,000	2,473,056,000	2,500,913,000	2,351,853,000	2,293,847,000	2,305,735,000	2,303,425,000	2,298,834,000	2,216,506	2,220,294	2,203,730,000
liabilities and shareholders’ equity
deposits:
non-interest-bearing	849,978,000	859,699,000	856,063,000	859,014,000	831,575,000	748,495,000	738,478,000	750,335	770,511,000	817,380,000	830,233,000	857,920	894,348,000	886,204,000	893,375,000	914,933,000	814,902,000	780,528,000	805,645,000	732,694,000	709,591,000	681,155,000	531,758,000	547,189,000	560,537,000	436,472,000	440,738,000	431,923,000	420,337,000	430,382,000	415,694,000	425,001,000	438,207,000	415,945,000	417,251,000	564,092,000	557,185,000	527,461,000	512,961,000	563,302,000	521,310,000	525,851,000	537,686,000	556,389,000	539,322,000	505,846,000	535,333,000	506,815,000	491,826,000			452,903,000	435,236,000
interest-bearing:
certificates of deposit exceeding the fdic insurance limits	138,603,000	143,780,000	145,609,000	144,982,000	159,618,000	112,679,000	109,228,000	92,921	82,741,000	60,541,000	58,476,000	50,608	56,596,000	60,311,000	62,899,000		68,920,000	77,647,000	118,162,000		109,830,000	109,548,000	118,162,000		130,270,000	57,470,000	50,973,000		40,904,000	40,279,000	42,056,000		41,156,000	42,820,000	45,193,000		44,778,000	44,664,000	46,817,000		47,154,000	48,893,000	48,074,000
other interest-bearing deposits	3,626,724,000	3,659,410,000	3,638,331,000	3,714,918,000	3,726,296,000	3,271,153,000	3,257,397,000	3,246,812	3,187,743,000	3,185,234,000	3,276,689,000	3,460,343	3,456,562,000	3,436,742,000	3,438,916,000	3,420,621,000	3,144,814,000	3,130,576,000	2,981,541,000	2,915,487,000	2,784,932,000	2,779,190,000	2,641,311,000	2,601,430,000	2,529,315,000	1,969,076,000	1,927,845,000	1,962,520,000	1,945,820,000	1,983,674,000	1,999,439,000	1,990,474,000	1,974,048,000	1,968,958,000	1,975,568,000	1,820,675,000	1,877,278,000	1,822,209,000	1,840,877,000	1,832,314,000	1,850,125,000	1,823,830,000	1,878,189,000	1,847,075,000	1,746,086,000	1,758,438,000	1,800,516,000	1,772,799,000	1,807,897,000	1,595,237,000	1,539,395,000	1,598,181,000	1,597,262,000	1,373,349,000	1,373,314,000	1,400,218,000	1,382,075,000	1,269,872,000	1,269,839,000	1,204,391,000	1,142,260,000	1,143,320,000	1,104,510,000	1,115,636,000	1,115,575,000	1,061,951	1,070,888	1,074,586,000
short-term borrowings	182,522,000	149,512,000	137,609,000	187,057,000	84,363,000	38,211,000	88,873,000	67,221	132,734,000	128,859,000	108,584,000	70,875	89,321,000	84,232,000	96,672,000	93,374,000	101,051,000	98,525,000	98,775,000	116,061,000	95,249,000	100,096,000	83,784,000	80,119,000	90,852,000	60,492,000	56,648,000	69,656,000	58,680,000	32,589,000	29,078,000	57,686,000	23,514,000	51,880,000	35,821,000	80,989,000	31,370,000	62,247,000	31,116,000	33,831,000	23,336,000	84,819,000	28,462,000	48,015,000	59,031,000	73,420,000	35,710,000	59,592,000	27,929,000	43,997,000	47,091,000	64,969,000	100,022,000	40,637,000	67,465,000	30,789,000	36,218,000	36,917,000	38,686,000	80,792,000	95,569,000	38,816,000	51,261,000	28,861,000	26,016,000	59,364	31,625	29,762,000
other borrowings	170,453,000	122,677,000	124,898,000	28,120,000	30,456,000	108,575,000	58,576,000	108,577	84,578,000	134,582,000	34,585,000	9,589	9,593,000	15,912,000	15,924,000	15,937,000	5,902,000	5,888,000	5,874,000	5,859,000	10,845,000	28,117,000	27,494,000	30,973,000	55,948,000											132,000				12,677,000				12,886,000	87,961,000	63,140,000	38,214,000	58,288,000	58,362,000	125,863,000	146,111,000	146,269,000	146,427,000	124,210,000	125,793,000	125,793,000	219,160,000	223,237,000	252,737,000	332,752,000	332,824,000	333,153,000	410,167,000	335,833,000	336,285,000	341,048	366,277	341,448,000
other liabilities	79,188,000	80,223,000	74,639,000	77,216,000	86,353,000	81,285,000	79,297,000	57,304	56,331,000	53,747,000	52,755,000	64,653	64,293,000	61,716,000	65,358,000	73,643,000	70,569,000	71,981,000	73,107,000	82,687,000	72,454,000	79,722,000	78,134,000	79,193,000	64,615,000	62,882,000	61,565,000	59,634,000	52,420,000	60,029,000	55,486,000	70,760,000	61,859,000	60,499,000	56,512,000	64,485,000	76,206,000	77,383,000	83,305,000	80,392,000	79,066,000	80,632,000	81,586,000	90,173,000	53,950,000	58,534,000	52,275,000	55,852,000	69,073,000	80,950,000	87,028,000	76,434,000	86,152,000	62,913,000	72,701,000	61,426,000	61,420,000	68,531,000	58,995,000	50,460,000	46,177,000	44,638,000	35,440,000	46,179,000	50,655,000	41,745	41,779	40,303,000
total liabilities	5,047,468,000	5,015,301,000	4,977,149,000	5,011,307,000	4,918,661,000	4,360,398,000	4,331,849,000	4,323,170	4,314,638,000	4,380,343,000	4,361,322,000	4,513,988	4,570,713,000	4,545,117,000	4,573,144,000	4,592,523,000	4,206,158,000	4,165,145,000	4,083,104,000	3,960,552,000	3,782,901,000	3,777,828,000	3,480,643,000	3,465,642,000	3,431,537,000	2,586,392,000	2,562,769,000	2,566,017,000	2,553,161,000	2,548,353,000	2,541,753,000	2,587,099,000	2,538,784,000	2,540,234,000	2,530,477,000	2,574,132,000	2,596,949,000	2,544,792,000	2,527,328,000	2,569,269,000	2,534,242,000	2,574,763,000	2,586,809,000	2,608,271,000	2,652,894,000	2,628,177,000	2,633,213,000	2,632,523,000	2,642,392,000	2,510,480,000	2,533,451,000	2,567,283,000	2,607,100,000	2,154,720,000	2,159,287,000	2,161,532,000	2,234,461,000	2,209,883,000	2,156,960,000	2,191,690,000	2,059,196,000	1,997,930,000	2,026,080,000	2,021,708,000	2,005,606,000	1,938,098	1,950,499	1,926,801,000
shareholders’ equity
common stock	2,020,000	2,020,000	2,019,000	2,018,000	2,016,000	2,016,000	2,015,000	2,014	2,014,000	2,013,000	2,012,000	2,012	2,011,000																																					1,808,000	1,807,000					1,806,000		1,806,000	1,806,000			1,806,000	1,806,000		1,806,000
additional paid-in capital	146,624,000	146,391,000	146,159,000	145,927,000	144,785,000	144,632,000	144,391,000	144,152	143,855,000	143,632,000	143,408,000	143,185	142,596,000	142,390,000	142,185,000	141,979,000	141,456,000	141,240,000	141,024,000	140,820,000	140,308,000	140,103,000	139,898,000	139,694,000	139,073,000	77,173,000	76,974,000	76,774,000	76,181,000	75,995,000	75,810,000	75,624,000	75,053,000	74,877,000	74,701,000	74,525,000	73,907,000	73,737,000	73,566,000	73,396,000	72,916,000	72,746,000	72,576,000	72,405,000	71,914,000	71,557,000	71,315,000	71,074,000	70,537,000	69,692,000	69,571,000	69,448,000	69,328,000	68,944,000	68,944,000	68,944,000	68,739,000	68,739,000	68,739,000	68,654,000	68,654,000	68,654,000	68,212,000	68,212,000	68,212,000	68,003	68,003	68,003,000
retained earnings	726,989,000	712,271,000	699,729,000	687,366,000	677,155,000	673,728,000	667,675,000	663,726	656,610,000	640,325,000	630,809,000	614,829	607,220,000	589,169,000	580,063,000	559,139,000	559,693,000	543,595,000	533,980,000	521,103,000	523,029,000	509,029,000	504,236,000	492,055,000	484,834,000	472,577,000	466,398,000	456,716,000	451,918,000	440,605,000	431,594,000	420,275,000	442,229,000	433,435,000	431,195,000	421,826,000	419,585,000	411,423,000	409,308,000	395,633,000	394,761,000	386,363,000	385,731,000	377,970,000	375,130,000	366,858,000	364,914,000	357,083,000	354,565,000	336,147,000	328,056,000	325,573,000	318,130,000	314,172,000	304,358,000	302,122,000	291,017,000	284,724,000	283,043,000	277,415,000	269,696,000	267,645,000	261,843,000	258,341,000	256,961,000	249,414	243,052	242,304,000
accumulated other comprehensive loss	-98,635,000	-118,234,000	-121,182,000	-132,285,000	-102,800,000	-134,501,000	-138,110,000	-127,087	-176,038,000	-141,250,000	-125,589,000															-4,282,000	-12,927,000		-32,310,000	-28,889,000	-24,488,000		-5,431,000	-5,564,000	-10,793,000		-2,412,000	-3,493,000	-5,059,000		-8,758,000	-14,048,000	-7,303,000		-2,325,000	-4,320,000	-8,551,000
less: treasury shares at cost - 4,339,512 in 2025 and 4,322,484 in 2024	-154,780,000	-154,780,000	-154,780,000
total shareholders’ equity	622,218,000	587,668,000	571,945,000	549,041,000	565,951,000	530,670,000	520,766,000	527,976	470,168,000	496,888,000	505,499,000	475,293	438,626,000	461,531,000	525,444,000	582,576,000	594,935,000	588,163,000	598,112,000	596,992,000	607,095,000	590,284,000	581,771,000	557,608,000	556,582,000	477,820,000	462,796,000	442,701,000	427,774,000	419,695,000	414,900,000	413,569,000	443,558,000	434,454,000	426,808,000	414,395,000	422,374,000	413,224,000	411,912,000	410,316,000	408,591,000	399,058,000	409,027,000	394,214,000	403,873,000	405,746,000	399,329,000	386,195,000	375,077,000	368,761,000	358,287,000	354,937,000	346,961,000	356,575,000	342,665,000	334,632,000	327,682,000	319,186,000	316,096,000	309,223,000	292,657,000	295,917,000	279,655,000	281,717,000	293,228,000	278,408	269,795	276,929,000
total liabilities and shareholders’ equity	5,669,686,000	5,602,969,000	5,549,094,000	5,560,348,000	5,484,612,000	4,891,068,000	4,852,615,000	4,851,146	4,784,806,000	4,877,231,000	4,866,821,000	4,989,281	5,009,339,000	5,006,648,000	5,098,588,000	5,175,099,000	4,801,093,000	4,753,308,000	4,681,216,000	4,557,544,000	4,389,996,000	4,368,112,000	4,062,414,000	4,023,250,000	3,988,119,000	3,064,212,000	3,025,565,000	3,008,718,000	2,980,935,000	2,968,048,000	2,956,653,000	3,000,668,000	2,982,342,000	2,974,688,000	2,957,285,000	2,988,527,000	3,019,323,000	2,958,016,000	2,939,240,000	2,979,585,000	2,942,833,000	2,973,821,000	2,995,836,000	3,002,485,000	3,056,767,000	3,033,923,000	3,032,542,000	3,018,718,000	3,017,469,000	2,879,241,000	2,891,738,000	2,922,220,000	2,954,061,000	2,511,295,000	2,501,952,000	2,496,164,000	2,562,143,000	2,529,069,000	2,473,056,000	2,500,913,000	2,351,853,000	2,293,847,000	2,305,735,000	2,303,425,000	2,298,834,000	2,216,506	2,220,294	2,203,730,000
		3,891,291,000		3,831,795,000			3,184,649,000	3,160,072	3,109,731,000	3,126,676,000	3,072,517,000	3,060,263	2,963,910,000
less: treasury shares at cost - 4,322,484 in 2024 and 4,342,196 in 2023				-153,985,000
less: treasury shares at cost - 4,356,719 in 2024 and 4,342,196 in 2023					-155,205,000
less: treasury shares at cost - 4,350,930 in 2024 and 4,342,196 in 2023						-155,205,000	-155,205,000
less: treasury shares at cost - 4,342,196 in 2023 and 4,063,028 in 2022								-154,829
less: treasury shares at cost - 4,382,692 in 2023 and 4,063,028 in 2022									-156,273,000
less: treasury shares at cost - 4,154,235 in 2023 and 4,063,028 in 2022										-147,832,000
less: treasury shares at cost-4,071,332 in 2023 and 4,063,028 in 2022											-145,141,000
accumulated other comprehensive income												-139,974		-126,630,000	-71,025,000	-2,426,000	-1,102,000			9,764,000				-7,501,000				-23,454,000				-14,704,000				-14,164,000				-9,401,000				-14,529,000				-13,969,000	-21,128,000					4,636,000	540,000		245,000	-2,024,000	-3,526,000	-4,867,000	-13,714,000	-8,403,000	-18,016,000	-12,452,000	292,000	-6,905	-10,723	-4,754,000
less: treasury shares at cost-4,063,028 in 2022 and 3,466,420 in 2021												-144,759
accumulated other comprehensive income/													-167,375,000					1,412,000	-832,000		12,121,000	9,515,000	6,001,000		145,000
less: treasury shares at cost-4,092,994 in 2022 and 3,466,420 in 2021													-145,826,000
authorized shares-40,000,000
issued shares-16,114,992 in 2022 and 16,096,313 in 2021
outstanding shares-12,031,123 in 2022 and 12,629,893 in 2021														2,011,000
less: treasury shares at cost-4,083,869 in 2022 and 3,466,420 in 2021														-145,409,000
outstanding shares-12,435,309 in 2022 and 12,629,893 in 2021															2,010,000
less: treasury shares at cost-3,679,683 in 2022 and 3,466,420 in 2021															-127,789,000
loans, net of allowance for credit losses of 48,305 in 2021 and 44,076 in 2020																2,767,590,000
certificates of deposit that meet or exceed the fdic insurance limit																74,015,000				107,764,000				126,738,000				42,284,000				43,178,000				43,759,000				46,753,000				53,733,000
issued shares-16,096,313 in 2021 and 16,075,154 in 2020
outstanding shares-12,629,893 in 2021 and 13,558,511 in 2020																2,009,000
less: treasury shares at cost-3,466,420 in 2021 and 2,516,643 in 2020																-118,125,000
outstanding shares-12,871,936 in 2021 and 13,558,511 in 2020																	2,009,000
less: treasury shares at cost-3,224,377 in 2021 and 2,516,643 in 2020																	-107,121,000
outstanding shares-13,048,229 in 2021 and 13,558,511 in 2020																		2,008,000
less: treasury shares at cost-3,048,084 in 2021 and 2,516,643 in 2020																		-100,092,000
issued shares-16,075,154 in 2021 and 16,075,154 in 2020
outstanding shares-13,524,070 in 2021 and 13,558,511 in 2020																			2,008,000
less: treasury shares at cost-2,551,084 in 2021 and 2,516,643 in 2020																			-78,068,000
loans, net of allowance for credit losses of 47,052 in 2020 and 19,943 in 2019																				2,563,242,000
issued shares-16,075,154 in 2020 and 16,055,466 in 2019
outstanding shares-13,558,511 in 2020 and 13,741,825 in 2019																				2,007,000
less: treasury shares at cost-2,516,643 in 2020 and 2,313,641 in 2019																				-76,702,000
allowance for loan losses																					-26,960,000	-23,285,000	-21,063,000		-19,799,000	-20,250,000	-20,960,000		-20,301,000	-20,071,000	-20,242,000		-19,802,000	-19,680,000	-19,395,000		-19,074,000	-19,504,000	-19,926,000		-19,925,000	-19,861,000	-19,351,000		-17,507,000	-18,255,000	-20,408,000		-22,004,000								-19,974,000	-19,915,000	-19,378,000	-18,828,000	-17,037,000	-17,029,000	-15,840,000	-15,553,000	-15,443,000	-15,507	-15,349	-15,830,000
outstanding shares-13,714,524 in 2020 and 13,741,825 in 2019																					2,006,000	2,006,000	2,005,000
less: treasury shares at cost-2,360,630 in 2020 and 2,313,641 in 2019																					-70,369,000	-70,369,000	-70,369,000
net deferred loan costs																							4,257,000		3,671,000	3,287,000	3,129,000		2,848,000	2,750,000	3,284,000		3,120,000	3,003,000	3,062,000		3,210,000	2,959,000	2,716,000		2,330,000	1,965,000	1,539,000
loans, net of allowance of 19,943 in 2019 and 20,436 in 2018																								2,636,447,000
issued shares-16,055,466 in 2019 and 14,612,540 in 2018
outstanding shares-13,741,825 in 2019 and 12,278,295 in 2018																								2,005,000
less: treasury shares at cost-2,313,641 in 2019 and 2,334,245 in 2018																								-68,645,000
outstanding shares-13,713,355 in 2019 and 12,278,295 in 2018																									2,004,000
less: treasury shares at cost-2,342,111 in 2019 and 2,334,245 in 2018																									-69,474,000	-69,474,000	-69,474,000
issued shares-14,632,323 in 2019 and 14,612,540 in 2018
outstanding shares-12,290,212 in 2019 and 12,278,295 in 2018																										1,826,000	1,825,000
fhlb advances																											25,000,000		35,000,000	1,400,000				132,000	132,000		10,132,000	10,828,000	12,252,000		13,251,000	10,738,000	12,812,000
loans, net of allowance of 20,436 in 2018 and 19,909 in 2017																												1,933,552,000
issued shares-14,612,540 in 2018 and 14,595,320 in 2017
outstanding shares-12,278,295 in 2018 and 12,246,464 in 2017																												1,824,000
less: treasury shares at cost-2,334,245 in 2018 and 2,348,856 in 2017																												-69,159,000
outstanding shares-12,255,045 in 2018 and 12,246,464 in 2017																													1,824,000	1,823,000	1,823,000
less: treasury shares at cost-2,357,495 in 2018 and 2,348,856 in 2017																													-69,839,000	-69,839,000	-69,839,000
loans, net of allowance of 19,909 in 2017 and 18,773 in 2016																																1,886,852,000
issued shares-14,595,320 in 2017 and 14,578,758 in 2016
outstanding shares-12,246,464 in 2017 and 12,216,712 in 2016																																1,822,000
less: treasury shares at cost-2,348,856 in 2017 and 2,362,046 in 2016																																-69,448,000
outstanding shares-12,223,750 in 2017 and 12,216,712 in 2016																																	1,822,000	1,821,000	1,820,000
less: treasury shares at cost-2,371,570 in 2017 and 2,362,046 in 2016																																	-70,115,000	-70,115,000	-70,115,000
loans, net of allowance of 18,773 in 2016 and 19,946 in 2015																																				1,820,407,000
issued shares-14,578,758 in 2016 and 14,557,815 in 2015
outstanding shares-12,216,712 in 2016 and 12,740,018 in 2015																																				1,820,000
less: treasury shares at cost-2,362,046 in 2016 and 1,817,797 in 2015																																				-69,612,000
outstanding shares-12,185,737 in 2016 and 12,740,018 in 2015																																					1,819,000
less: treasury shares at cost-2,393,021 in 2016 and 1,817,797 in 2015																																					-70,525,000
outstanding shares-12,193,181 in 2016 and 12,740,018 in 2015																																						1,818,000
less: treasury shares at cost-2,385,577 in 2016 and 1,817,797 in 2015																																						-70,261,000
outstanding shares-12,265,355 in 2016 and 12,740,018 in 2015																																							1,818,000
less: treasury shares at cost-2,313,403 in 2016 and 1,817,797 in 2015																																							-67,721,000
loans, net of allowance of 19,946 in 2015 and 18,839 in 2014																																								1,743,862,000
issued shares-14,557,815 in 2015 and 14,538,132 in 2014
outstanding shares-12,740,018 in 2015 and 12,942,175 in 2014																																								1,817,000
less: treasury shares at cost-1,817,797 in 2015 and 1,595,957 in 2014																																								-51,129,000
outstanding shares-12,703,869 in 2015 and 12,962,607 in 2014																																									1,817,000
less: treasury shares at cost-1,853,946 in 2015 and 1,575,525 in 2014																																									-52,145,000
outstanding shares-12,834,116 in 2015 and 12,942,175 in 2014																																										1,816,000
less: treasury shares at cost-1,723,699 in 2015 and 1,595,957 in 2014																																										-47,819,000
outstanding shares-12,952,169 in 2015 and 12,942,175 in 2014																																											1,815,000
less: treasury shares at cost-1,605,646 in 2015 and 1,595,957 in 2014																																											-43,792,000
loans, net of allowance of 18,839 in 2014 and 20,068 in 2013																																												1,762,589,000
fdic indemnification asset																																												-74,000	375,000	420,000	754,000	1,055,000	1,171,000	1,602,000	1,608,000	1,802,000	2,384,000	3,808,000	4,765,000	3,991,000
issued shares-14,538,132 in 2014 and 14,516,113 in 2013
outstanding shares-12,942,175 in 2014 and 13,343,029 in 2013																																												1,815,000
less: treasury shares at cost-1,595,957 in 2014 and 1,173,084 in 2013																																												-43,447,000
less:
unearned income/expense																																													638,000
certificates of deposit of 100 or more																																													166,544,000	168,799,000	171,165,000	179,177,000	187,305,000	233,814,000	217,523,000	228,527,000	242,001,000	204,383,000	204,383,000	209,359,000	227,712,000	253,620,000	253,620,000	240,139,000	206,935,000	207,467,000	185,519,000	240,578,000	240,578,000	206,687	210,264	212,590,000
outstanding shares-12,962,607 in 2014 and 13,343,029 in 2013																																													1,814,000
less: treasury shares at cost-1,575,525 in 2014 and 1,173,084 in 2013																																													-42,660,000
unearned income																																														111,000	-635,000		-977,000								-979,000	-69,000	-70,000	-81,000	-87,000	-107,000	-158,000	-197,000	-208,000	-227	-235	-242,000
outstanding shares-13,355,272 in 2014 and 13,343,029 in 2013																																														1,812,000	1,812,000
less: treasury shares at cost-1,182,860 in 2014 and 1,173,084 in 2013																																														-30,161,000	-30,161,000
loans, net of allowance of 20,068 in 2013 and 21,958 in 2012																																																1,771,360,000
issued shares-14,516,113 in 2013 and 14,490,609 in 2012
outstanding shares-13,343,029 in 2013 and 13,287,348 in 2012																																																1,811,000
less: treasury shares at cost-1,173,084 in 2013 and 1,203,261 in 2012																																																-29,804,000
outstanding shares-13,307,498 in 2013 and 13,287,348 in 2012																																																	1,810,000
less: treasury shares at cost-1,208,615 in 2013 and 1,203,261 in 2012																																																	-30,707,000
federal funds sold and short-term investments																																																		55,773,000	27,472,000				1,950,000	56,816,000	77,980,000	24,930,000	12,645,000	3,000,000	5,500,000		10,665,000	4,345,000	41,657,000	725	12,769	54,975,000
noninterest-bearing																																																		430,619,000	496,303,000			349,228,000	315,631,000	333,947,000	307,876,000	357,706,000	283,083,000	283,156,000	235,431,000	230,536,000	239,183,000	254,621,000	236,497,000	227,303	229,666	228,112,000
treasury shares at cost-1,253,086 in 2012 and 2011
issued shares-14,490,609 in 2012 and 14,450,966 in 2011
outstanding shares-13,237,523 in 2012 and 13,197,880 in 2011																																																				1,807,000
less: treasury shares at cost-1,253,086 in 2012 and 2011
loans, net of allowance of 19,241 in 2011 and 22,336 in 2010																																																					1,874,438,000
issued shares-14,450,966
outstanding shares-13,197,880 in 2011 and 13,151,630 in 2010																																																					1,806,000
less: treasury shares at cost-1,253,086 in 2011 and 1,299,336 in 2010
resisdential																																																						441,113,000			443,630,000
outstanding shares-13,151,630 in 2011 and 2010																																																						1,806,000	1,806,000
treasury shares at cost-1,299,336 in 2011 and 2010
fdic indemnification ssset																																																									2,498,000			12,098,000
outstanding shares-13,106,630 in 2010 and 13,116,630 in 2009																																																									1,806,000
treasury shares at cost-1,344,336 in 2010 and 1,334,336 in 2009																																																									-34,125,000
commercial, financial and agricultural																																																										591,493,000	556,995,000	542,393,000	513,436,000	495,701,000	521,470,000	491,604,000	468,391,000	435,822	434,248	420,188,000
real estate – construction																																																										25,182,000		29,656,000						30,271
real estate – mortgage																																																										720,587,000		723,823,000						687,307
installment																																																										313,112,000	307,692,000	329,541,000	324,788,000	321,221,000	294,025,000	280,285,000	281,270,000	273,074	266,645	254,803,000
lease financing																																																										2,314,000	2,245,000	2,232,000	2,000,000	1,777,000	1,924,000	2,080,000	2,169,000	2,330	2,303	2,270,000
fdic indimnification asset																																																										4,873,000	13,500,000
treasury shares at cost-1,341,836 in 2010 and 1,321,336 in 2009																																																										-34,059,000
real estate — construction																																																											27,078,000		25,118,000	24,357,000	28,449,000	25,649,000	25,511,000		27,997	30,098,000
real estate — mortgage																																																											726,750,000		667,893,000	641,855,000	632,276,000	646,846,000	648,583,000		680,208	685,355,000
treasury shares at cost-1,338,336 in 2010 and 1,334,336 in 2009																																																											-33,966,000
credit card loans held-for-sale																																																												12,352,000	11,924,000		12,777,000	13,315,000
outstanding shares-13,116,630 in 2009 and 13,098,615 in 2008																																																												1,806,000	1,806,000
treasury shares at cost-1,334,336 in 2009 and 1,352,351 in 2008																																																												-33,785,000	-33,785,000
cedit card loans held-for-sale
treasury shares at cost-1,334,336 in 2009 and 1,334,336 in 2008																																																														-33,785,000
treasury shares at cost-1,352,351 in 2008 and 1,314,607 in 2007																																																															-34,190,000	-34,190,000
outstanding shares-13,098,615 in 2008 and 13,136,359 in 2007																																																																1,806,000
treasury shares at cost-1,347,351 in 2008 and 1,314,607 in 2007																																																																	-34,043,000
outstanding shares-13,105,359 in 2007 and 13,270,321 in 2006																																																																		1,806
treasury shares at cost-1,345,607 in 2007 and 1,180,645 in 2006																																																																		-33,910
outstanding shares-13,161,821 in 2007 and 13,270,321 in 2006																																																																			1,806
treasury shares at cost-1,289,145 in 2007 and 1,180,645 in 2006																																																																			-32,343
authorized shares-40,000,000 issued shares-14,450,966 outstanding shares-13,226,321 in 2007 and 13,270,321 in 2006																																																																				1,806,000
treasury shares at cost-1,224,645 in 2007 and 1,180,645 in 2006																																																																				-30,430,000

Cashflow Statements:

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	2019-09-30	2019-06-30	2019-03-31	2018-09-30	2018-06-30	2018-03-31	2017-09-30	2017-06-30	2017-03-31	2016-09-30	2016-06-30	2016-03-31	2015-12-31	2015-09-30	2015-06-30	2015-03-31	2014-12-31	2014-09-30	2014-06-30	2014-03-31	2013-12-31	2012-09-30	2012-06-30	2012-03-31	2011-12-31	2011-09-30	2011-06-30	2011-03-31	2010-09-30	2010-06-30	2010-03-31	2009-09-30	2009-06-30	2009-03-31	2008-09-30	2008-06-30	2008-03-31	2007-09-30	2007-06-30	2007-03-31

cash flows from operating activities:
net income	20,762,000	18,586,000	18,406,000	16,241,000	8,741,000	11,369,000	10,924,000	-48,191,328	16,285,000	15,987,000	15,980,000	-54,516,891	18,051,000	15,613,000	20,924,000	7,398,000	16,098,000	16,614,000	12,877,000	15,739,000	14,000,000	11,924,000	12,181,000	12,257,000	12,569,000	9,682,000	11,313,000	15,261,000	8,953,000	8,794,000	8,352,000	9,369,000	8,162,000	8,232,000	13,675,000	7,114,000	8,398,000	6,923,000	7,761,000	9,181,000	8,272,000	8,488,000	7,831,000	8,923,000	8,091,000	8,705,000	7,443,000	10,161,000	9,814,000	8,417,000	8,803,000	6,293,000	7,713,000	5,686,000	7,719,000	4,621,000	4,530,000	3,502,000	7,143,000	6,950,000	6,362,000	6,413,000	6,423,000
adjustments to reconcile net income to net cash from operating activities:
net amortization of premiums and discounts on investments	947,000	984,000	1,050,000					-3,811,943	1,267,000	1,275,000	1,275,000			1,706,000	1,903,000																																827,000
provision for credit losses	1,950,000	1,950,000	1,950,000					-4,792,705	1,200,000	1,800,000	1,800,000			750,000	-6,550,000
securities																								-6,000	-16,000	4,000	-3,000
depreciation and amortization	2,638,000	3,209,000	3,257,000	3,329,000	3,309,000	1,653,000	1,655,000	-4,896,470	1,653,000	1,669,000	1,581,000	-4,608,889	1,515,000	1,571,000	1,529,000	-4,479,000	1,528,000	1,570,000	1,572,000	1,565,000	1,581,000	1,546,000	1,400,000	1,096,000	1,025,000	1,000,000	1,044,000	1,046,000	1,036,000	1,078,000	1,129,000	1,145,000	1,171,000	1,231,000	1,283,000	1,331,000	1,349,000	1,375,000	1,435,000	1,441,000	1,593,000	1,597,000	1,346,000	1,416,000	1,346,000	1,202,000	1,193,000	1,568,000	220,000	1,018,000	1,091,000	1,144,000	1,197,000	1,187,000	1,033,000	911,000	910,000	903,000	865,000	850,000	833,000	864,000	903,000
restricted stock compensation	233,000	233,000	233,000	699,000	153,000	242,000	240,000	-671,105	224,000	225,000	223,000	-618,175	206,000	206,000	207,000	169,000	217,000	216,000	205,000		205,000	206,000	204,000	200,000	200,000	201,000	187,000	185,000	187,000	177,000	177,000	176,000	171,000	171,000	171,000		171,000	171,000	171,000		359,000	242,000	242,000		122,000	123,000	121,000
gain on sale of mortgage loans	-494,000	-430,000	-225,000	-267,000	-411,000	-299,000	-176,000	810,034	-321,000	-310,000	-180,000
(gain) on sale of other real estate
other	907,000	-11,818,000	-3,612,000	-11,076,000	1,134,000	-8,306,000	-3,204,000	-4,524,995	8,147,000	-6,707,000	3,094,000	6,265,665	-2,276,000	-7,189,000	3,199,000		-1,646,000	-4,221,000	-716,000	2,778,000	-6,283,000	-3,108,000	8,611,000	-5,215,000	-1,704,000	1,185,000	3,972,000	-1,117,000	-3,488,000	6,592,000	-5,043,000	-2,753,000	3,746,000	-12,177,000	9,251,000	-4,307,000	1,497,000	-3,363,000	1,848,000	883,000	2,247,000	-233,000	1,627,000	5,883,000	-1,484,000	-6,354,000	10,183,000			-2,563,000	2,820,000	-566,000	7,260,000	-347,000	-1,399,000	-7,233,000	1,952,000	-11,900,000	-724,000	2,616,000	-6,217,000	-2,827,000	3,547,000
net cash from operating activities	26,852,000	12,720,000	21,057,000	15,851,000	23,302,000	8,777,000	12,436,000	-66,106,910	28,467,000	13,949,000	23,777,000	-52,217,213	19,678,000	12,073,000	20,545,000	56,456,000	15,388,000	12,328,000	15,192,000	24,632,000	13,080,000	14,034,000	25,679,000	11,326,000	13,364,000	14,450,000	19,041,000	13,450,000	9,030,000	18,811,000	6,587,000	10,432,000	15,503,000	-1,181,000	13,091,000	7,607,000	13,386,000	6,888,000	13,374,000	19,284,000	14,435,000	10,426,000	13,699,000	25,312,000	11,306,000	5,546,000	22,732,000	13,206,000	5,098,000	8,445,000	13,832,000	9,955,000	18,220,000	11,469,000	8,736,000	2,129,000	12,350,000	182,000	8,306,000	11,252,000	1,768,000	5,053,000	11,861,000
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
free cash flows	26,852,000	12,720,000	21,057,000	15,851,000	23,302,000	8,777,000	12,436,000	-66,106,910	28,467,000	13,949,000	23,777,000	-52,217,213	19,678,000	12,073,000	20,545,000	56,456,000	15,388,000	12,328,000	15,192,000	24,632,000	13,080,000	14,034,000	25,679,000	11,326,000	13,364,000	14,450,000	19,041,000	13,450,000	9,030,000	18,811,000	6,587,000	10,432,000	15,503,000	-1,181,000	13,091,000	7,607,000	13,386,000	6,888,000	13,374,000	19,284,000	14,435,000	10,426,000	13,699,000	25,312,000	11,306,000	5,546,000	22,732,000	13,206,000	5,098,000	8,445,000	13,832,000	9,955,000	18,220,000	11,469,000	8,736,000	2,129,000	12,350,000	182,000	8,306,000	11,252,000	1,768,000	5,053,000	11,861,000
cash flows from investing activities:
proceeds from sales of securities available-for-sale				0													0	4,456,000	4,913,000		0	557,000	27,604,000							8,322,000	0	783,000			1,445,000		1,565,000	1,500,000	400,000		0				2,502,000	1,960,000	4,553,000		3,343,000	0	25,000	0	0	7,250,000					1,000	354,000	0	0	2,939,000
calls, maturities and principal reductions on securities available-for-sale	30,913,000	35,399,000	26,968,000	30,826,000	32,022,000	24,995,000	25,187,000	-83,528,459	27,318,000	26,422,000	29,900,000	-141,094,403	42,500,000	46,785,000	51,989,000		57,203,000	65,859,000	75,551,000	78,668,000	71,636,000	63,810,000	46,517,000	56,553,000	33,658,000	27,321,000	31,826,000	42,782,000	37,679,000	36,906,000	35,653,000	34,434,000	42,943,000	40,629,000	31,369,000	40,094,000	39,527,000	35,630,000	35,064,000	37,114,000	33,432,000	30,871,000	34,724,000	31,922,000	40,982,000	31,818,000	26,665,000	40,518,000	31,808,000	25,761,000	41,092,000	42,669,000	92,409,000	39,281,000	31,404,000	32,659,000	25,848,000	18,105,000	22,674,000	26,048,000	23,457,000	22,267,000	22,205,000
purchases of securities available-for-sale	-22,615,000			-2,000	-31,481,000	-8,611,000	-4,000	29,619,540	3,000	-6,742,000	-22,911,000	329,218,799	-91,111,000	-99,843,000	-138,610,000		-114,409,000	-191,765,000	-172,833,000	-144,168,000	-120,539,000	-37,775,000	-63,516,000	-26,187,000	-29,195,000	-16,214,000	-40,655,000	-22,881,000	-39,195,000	-30,060,000	-24,443,000	-33,025,000	-32,801,000	-30,530,000	-20,213,000	-47,415,000	-18,873,000	-45,170,000	-37,723,000	-31,250,000	-18,653,000	-16,664,000	-33,387,000	-78,125,000								-33,346,000	-112,612,000	-33,179,000	-18,694,000	-22,508,000	-24,481,000	-23,850,000	-39,260,000	-69,139,000	-18,177,000	-66,998,000	-28,505,000
loans made to customers, net of repayment	-70,891,000	-42,130,000	-16,795,000	-124,462,000	-43,680,000	-16,435,000	-25,567,000	54,207,969	15,342,000	-55,636,000	-14,020,000	168,286,497	-93,468,000	-86,278,000	11,188,000		92,573,000	78,296,000	-35,178,000		26,486,000	-153,104,000	33,764,000	-3,113,000	-27,135,000	-31,248,000	-14,463,000	-22,730,000	-1,926,000	-10,746,000	-23,243,000	3,218,000	-20,591,000	-40,203,000	-468,000		15,776,000	-27,901,000	23,503,000		-21,134,000	-11,149,000	5,765,000		15,960,000	-29,548,000	37,836,000				26,995,000	10,202,000	-34,174,000	8,359,000	-21,039,000	-63,735,000	-16,182,000	-34,822,000	-35,919,000	14,197,000			-2,178,000
net change in federal funds sold	696,000	-426,000	393,000	536,000	22,644,000	-24,000,000	282,000	-8,676,908	-325,000	12,568,000	-3,557,000	7,905,934	2,910,000	-10,397,000	-428,000		-5,667,000	69,000	-284,000	358,000	-659,000	1,000	7,499,000		-200,000	-2,000,000			-1,500,000	-9,398,000	5,000,000	1,952,000	-39,005,000	944,000	3,371,000	-9,815,000	2,000,000	10,688,000	-4,688,000	6,980,000	-5,610,000	421,000	-5,515,000	-856,000				-4,060,000	1,950,000			-53,050,000	-12,285,000	8,931,000	2,500,000	-5,500,000	9,530,000	-6,320,000	37,312,000	-37,456,000	12,044,000	42,206,000	-33,538,000
redemption of restricted stock	7,000	7,000	48,000	18,000								-1,869,129	254,000	12,000	1,605,000					200,000	200,000															11,000	0							0	0
purchase of restricted stock	-1,240,000	-7,000	-21,000	-2,207,000	-7,000	-7,000	-7,000	19,974	-7,000	-7,000	-6,000	1,041,951	-6,000	-85,000	-952,000		-12,000	0	-13,000	0	-12,000	0	-6,000	-12,000	0	-22,000	0	0	-11,000	-10,000	0	-10,000	0			-11,000
cash received from acquisitions
proceeds from sales of other real estate owned	434,000	13,000	2,000	74,000	48,000	198,000	70,000	-269,713	53,000	177,000	40,000	-222,714	33,000	123,000	67,000		168,000	33,000	36,000		130,000	313,000	44,000	213,000	445,000	13,000	-86,000	1,541,000	113,000	681,000	267,000	366,000	460,000	235,000	336,000		443,000	396,000	573,000		1,627,000	325,000	516,000		1,099,000	1,586,000	525,000		753,000	1,407,000	1,125,000	1,133,000	766,000	729,000	537,000	993,000	490,000	497,000	443,000	566,000	1,890,000	784,000	726,000
additions to premises and equipment	-1,088,000	-1,133,000	-566,000	-1,038,000	-3,768,000	-338,000	-964,000	5,275,459	-1,687,000	-321,000	-3,274,000	2,204,574	-294,000	-271,000	-1,641,000		-433,000	-2,454,000	-1,660,000	-227,000	-855,000	-1,269,000	-1,557,000	-632,000	-596,000	-309,000	-543,000	-544,000	-432,000	42,000	-733,000	-345,000	-1,362,000	-30,000	-966,000	-831,000	-1,638,000	-537,000	-387,000	-426,000	-2,169,000	-2,428,000	-273,000	-672,000								-266,000	-478,000	-696,000	-1,547,000	-367,000	-825,000	-494,000	-1,104,000	-307,000	-716,000	-309,000	-629,000
net cash from investing activities	-63,784,000	-28,139,000	10,029,000	-96,255,000	55,337,000	-24,198,000	-1,003,000	-3,352,098	40,697,000	-23,539,000	-13,828,000	352,682,311	-126,380,000	-149,954,000	-76,782,000	124,203,000	29,423,000	-55,506,000	-129,468,000	84,283,000	-23,613,000	-127,267,000	50,349,000	17,621,000	-23,023,000	-22,459,000	-31,521,000	-332,000	-5,272,000	-4,263,000	-7,499,000	7,373,000	-50,555,000	-30,410,000	31,968,000	-15,948,000	38,790,000	-19,921,000	16,742,000	44,499,000	-12,518,000	1,724,000	1,830,000	-38,320,000								-32,658,000	-66,374,000	30,675,000	24,138,000	-58,458,000	-5,620,000	-46,278,000	-15,854,000	-63,350,000	182,000	-23,543,000	-38,980,000
cash flows from financing activities:
net change in deposits	-47,595,000	22,878,000	-78,863,000	1,615,000	-37,361,000	27,241,000	15,067,000	327,055,801	-22,025,000	-102,049,000	-203,260,000	1,110,453	24,474,000	-11,569,000	-14,055,000		39,950,000	83,467,000	149,486,000	151,799,000	34,723,000	278,925,000	16,281,000	612,000	43,462,000	-17,171,000	-47,274,000	-2,854,000	-1,464,000	25,686,000	-10,290,000	9,484,000	84,890,000	-6,337,000	-41,730,000	23,763,000	20,000,000	-65,394,000	6,732,000	5,114,000	18,739,000	-74,074,000	48,070,000	-28,522,000			4,737,000	-13,655,000			40,459,000	36,426,000	74,616,000	16,796,000	-2,653,000	3,303,000	17,825,000	-81,623,000	18,185,000	62,929,000	-14,877,000	-4,470,000	12,606,000
net change in short-term borrowings	33,010,000	11,903,000	-49,448,000	102,694,000	46,152,000	-50,662,000	21,652,000	-61,862,654	3,875,000	20,275,000	37,709,000	4,030,501	5,089,000	-12,440,000	3,298,000		2,526,000	-250,000	-17,286,000	20,812,000	-4,847,000	16,312,000	3,665,000	-35,250,000	3,844,000	-13,008,000	26,091,000	3,511,000	-28,608,000	-28,366,000	16,059,000	-45,168,000	-30,877,000	31,131,000	-2,715,000	10,495,000	-61,483,000	56,357,000	-19,553,000	-11,016,000	-14,389,000	37,710,000	-23,882,000						-26,828,000			-699,000	-1,769,000	8,250,000	-14,777,000	56,753,000	17,316,000	22,400,000	2,845,000	-1,315,000	27,739,000	1,863,000	13,559,000
dividends paid	-6,044,000	-6,044,000	-6,032,000	-5,314,000	-5,314,000	-5,316,000	-5,304,000	15,367,617	0	-6,471,000	-8,912,000	14,444,541	0	-6,507,000	-7,952,000	0	0	-6,999,000	-7,182,000	0	0	-7,131,000	-7,142,000	0	-6,390,000	-6,258,000	0	-6,250,000	-6,246,000	-6,112,000	0	-6,108,000	-6,117,000	0	-6,242,000	0	-6,290,000	218,000	-6,560,000	0	-6,544,000	0	-6,405,000	1,000								-6,032,000	0	-5,908,000	1,000	-1,000	-5,902,000	0	0	-5,785,000	0	0	-5,708,000
purchase of treasury shares
proceeds from other borrowings	1,075,000,000	425,000,000	350,000,000	0	375,000,000	400,000,000	750,000,000	-1,427,920,000	750,000,000	655,000,000	25,000,000									0	3,500,000	11,700,000	1,500,000	50,000,000	50,000,000	117,000,000	36,400,000	4,200,000	50,000,000	120,000,000	25,000,000	25,000,000	0	1,500,000	2,850,000	6,100,000				145,000,000	327,000,000			0								0			50,000,000	50,000,000	20,000,000	227,500,000
maturities of other borrowings	-1,027,266,000	-427,264,000	-253,263,000	-2,377,000	-454,877,000	-350,000,000	-800,000,000	1,353,019,000	-800,000,000				-6,358,000	-22,000	-22,000						-20,910,000	-11,100,000	-5,000,000	-25,000,000	-75,000,000	-92,000,000	-2,800,000	-2,800,000	-50,000,000	-120,132,000	-25,000,000	-25,000,000	-622,000	-2,850,000	-3,200,000		-28,212,000				-302,000,000	-75,000,000	-20,000,000
net cash from financing activities	27,105,000	26,473,000	-38,401,000	96,618,000	-76,400,000	21,263,000	-18,961,000	217,162,250	-76,591,000	9,064,000	-149,845,000	53,654,392	22,788,000	-48,158,000	-28,395,000		35,447,000	54,194,000	123,652,000	160,115,000	12,466,000	288,706,000	7,580,000	-9,638,000	15,916,000	-11,752,000	12,417,000	-4,193,000	-36,709,000	-8,924,000	5,769,000	-42,295,000	47,010,000	20,904,000	-67,629,000	33,758,000	-49,511,000	-14,846,000	-19,726,000	-82,679,000	10,307,000	-11,364,000	-2,574,000	3,142,000				14,149,000	-977,000	-13,541,000	31,092,000	25,552,000	43,254,000	-61,313,000	-17,501,000	59,726,000	-22,761,000	15,111,000	20,431,000	49,942,000	-13,934,000	20,309,000	18,692,000
net change in cash and cash equivalents	-9,827,000	11,054,000	-7,315,000	16,214,000	2,239,000	5,842,000	-7,528,000	147,703,242	-7,427,000	-526,000	-139,896,000	354,119,490	-83,914,000	-186,039,000	-84,632,000		80,258,000	11,016,000	9,376,000	269,030,000	1,933,000	175,473,000	83,608,000	19,309,000	6,257,000	-19,761,000	-63,000	8,925,000	-32,951,000	5,624,000	4,857,000	-24,490,000	11,958,000	-10,687,000	-22,570,000	25,417,000	2,665,000	-27,879,000	10,390,000	-18,896,000	12,224,000	786,000	12,955,000	-9,866,000								2,849,000	-4,900,000	-19,169,000	15,373,000	3,397,000	-16,031,000	-30,985,000	12,883,000	-2,156,000	-11,984,000	1,819,000	-8,427,000
cash and due from banks, beginning of period	0	0	93,526,000	0	0	0	76,759,000	-222,294,483	0	0	222,517,000	-682,118,973	0	0	682,807,000		0	0	657,470,000		0	0	127,426,000	0	0	74,388,000	0	0	74,107,000	0	0	75,012,000	0	0	88,695,000
cash and due from banks, end of period	-9,827,000	11,054,000	86,211,000	16,214,000	2,239,000	5,842,000	69,231,000	-74,591,241	-7,427,000	-526,000	82,621,000	-327,999,483	-83,914,000	-186,039,000	598,175,000		80,258,000	11,016,000	666,846,000		1,933,000	175,473,000	211,034,000	19,309,000	6,257,000	54,627,000	-63,000	8,925,000	41,156,000	5,624,000	4,857,000	50,522,000	11,958,000	-10,687,000	66,125,000

securities losses														0	-5,000																																4,000
loss on sale of other real estate		3,000	-2,000					-25,969	12,000	10,000	4,000															8,000																					5,000		54,000	171,000	7,000
purchase of treasury stock		0	-795,000	0	0	0	-376,000	11,502,486	-8,441,000	-2,691,000	-382,000	27,673,299	-417,000	-17,620,000	-9,664,000	-12,052,000	-7,029,000	-22,024,000	-1,366,000		0	0	-1,724,000	0	0	-315,000	0	0	-391,000	0	0	-503,000	-264,000	-2,540,000	-16,592,000		-4,326,000	-4,027,000	-345,000		-12,499,000	0	-357,000									-66,000	-93,000	-451,000				0	-147,000	-887,000	-1,567,000	-1,913,000	-1,408,000
net amortization (accretion) of premiums and discounts on investments						1,207,000	1,204,000											2,065,000	2,015,000		1,963,000	1,724,000	1,462,000	1,467,000	1,058,000	900,000	941,000	880,000	885,000	987,000	915,000	897,000	978,000	926,000	820,000		737,000	727,000	745,000		670,000	672,000	646,000		644,000							-158,000	-285,000	-325,000	-517,000	-713,000	-788,000	-693,000	-710,000	-680,000	-656,000	-647,000	-638,000
benefit from credit losses						2,966,000	1,800,000											-2,196,000	452,000
securities (gains)/losses
benefit from deferred income taxes
net change in accrued interest receivable
contribution of shares to esop
(gain) loss on sale of other real estate						-55,000	-7,000											-12,000	28,000		104,000	13,000	23,000	27,000							32,000	4,000	-2,000	11,000	80,000		193,000	-85,000	-32,000		-212,000	15,000	47,000		45,000							21,000			54,000
origination of loans held for sale
proceeds from loans held for sale
proceeds from loans sold previously classified as portfolio loans
cash received (disbursed) from acquisitions				0
supplemental disclosures of cash flow and noncash information:
cash paid for the year for:
interest
income taxes
provision for deferred income taxes
purchase of bank owned life insurance																	0
securities gains
repayments on other borrowings																																																				-4,077,000	-31,500,000	-80,000,000	-50,072,000	-50,329,000	-72,000,000	-153,166,000	-56,452,000	-5,000,000	-25,229,000	-56,171,000	-357,000
securities (gains) losses																		-258,000	152,000	-3,000	-5,000	-31,000	-194,000								-15,000	-2,000	-13,000	-10,000	-3,000	6,000	-9,000	-10,000	-4,000	2,000	0			-416,000								-28,000	0	-245,000	3,324,000	1,584,000	2,979,000	6,139,000	-1,000	-354,000	0	0	-20,000
gain on sales of mortgage loans													-440,000	-603,000	-662,000		-1,425,000	-1,450,000	-1,393,000		-2,910,000	-1,205,000	-698,000
proceeds from loans held for sale previously classified as portfolio loans
equity in undistributed earnings
increase in other liabilities
decrease in other assets
principal payments on borrowings
net cash from financing activites
net increase in cash
cash, beginning of year
cash, end of year
supplemental disclosures of cash flow information:
cash paid during the year for:
net amortization on securities
stock compensation expense
gain on sales of other real estate
sales of securities available-for-sale
loans made to customers, net of payments
sale of other real estate
purchases of treasury stock
continued
cash and due from banks, beginning of year
cash and due from banks, end of year
benefit from loan losses																					4,425,000	2,965,000	2,690,000	1,500,000	230,000	1,470,000	1,470,000	1,355,000	1,473,000	1,185,000	1,040,000	1,596,000	1,091,000	435,000	835,000	1,050,000	1,050,000	1,150,000	1,450,000	1,962,000	1,506,000	-356,000	1,960,000	1,384,000	2,559,000							2,390,000	2,190,000	2,430,000	3,690,000	2,860,000	2,830,000	2,215,000	1,735,000	1,925,000	1,575,000	1,240,000	1,690,000
payments to acquire business
recovery of security previously written down for otti																											0
(gain) / loss on sale of other real estate																												0	-16,000
gain on sale of certain assets and liabilities of insurance brokerage operation																																	199,000	0	-13,021,000
proceeds from sale of certain assets and liabilities of insurance brokerage operation																																	-199,000	0	17,094,000
purchase of customer list																																				0	0
cash and cash equivalents, beginning of period																																						0	78,102,000		0	0	71,033,000		0	0	134,280,000		0	0	58,511,000	0	0	84,371,000	0	0	67,298,000	0	0	70,082,000	0	0	77,682,000
cash and cash equivalents, end of period																																						-27,879,000	88,492,000		12,224,000	786,000	83,988,000		-21,031,000	21,692,000	62,977,000		-2,712,000	14,379,000	45,579,000	2,849,000	-4,900,000	65,202,000	15,373,000	3,397,000	51,267,000	-30,985,000	12,883,000	67,926,000	-11,984,000	1,819,000	69,255,000
securities impairment loss recognized in earnings
loss on sales of other real estate
redemption of bank owned life insurance																																													0
cash and cash equivalents, beginning of year
purchases of restricted stock																																									-11,000
cash received from purchase of branches
net change in other short-term borrowings
securities impairment loss																																													0				13,000			859,000	70,000	3,099,000
purchases of customer list
cash received (disbursed) from purchase of branches
gain on exchange of bank owned life insurance
purchases of bank owned life insurance
adjustments to reconcile net income to net cash provided by operating activities:
provision for loan losses																																															2,956,000	1,861,000	1,360,000	1,352,000	1,182,000
redemption of retricted stock																																															1,172,000
loss on sale of student loans
gain on sale of credit card loans
gain on purchase of business unit
cash received from sale of mortgage loans
cash received from sale of student loans
cash received from sale of credit card loans
cash received (disbursed) from purchase of business unit
cash and cash equivalents, end of year
cash received from purchase of business unit
gain on sale of other real estate																																																						-16,000			-63,000	16,000	-2,000	-55,000	-129,000	10,000	-44,000
net amortization (accretion) of premiums and discounts on loans
proceeds from sales of restricted stock																																																											-1,000	2,387,000
proceeds from the sales of securities available-for-sale
proceeds from the redemption of restricted stock
loans made to customers, net of repayments																																																													-24,316,000
proceeds for other borrowings																																																													0

First Financial Corporation(NASDAQ:THFF)

First Financial Corporation
(NASDAQ:THFF)