UMB Financial Corporation
(NASDAQ:UMBF)

UMB Financial Corporation operates as the bank holding company for the UMB Bank that provides various banking and other financial services. The Commercial Banking segment provides commercial loans and credit cards; commercial real estate financing; letters of credit; loan syndication, and consultati...

Website: http://www.umb.com

Founded: 1913

Full Time Employees: 3,670

Sector: Financial Services

Industry: Banks-Regional

Regional Bank Financial Services

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At a glance:

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Quarterly

Annual

Unit: USD	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	2010-06-30	2010-03-31	2009-12-31	2009-03-31	2008-12-31

interest income
loans	142,441,000	140,004,000	151,026,000	156,503,000	162,243,000	161,838,000	157,261,000	154,120,000	143,947,000	135,150,000	126,134,000	122,885,000	119,132,000	112,724,000	106,560,000	102,961,000	98,820,000	93,949,000	90,544,000	88,011,000	84,686,000	71,396,000	64,232,000	64,433,000	61,636,000	60,309,000	58,900,000	59,206,000	59,125,000	56,615,000	54,720,000	54,778,000	54,558,000	54,000,000	54,055,000	54,557,000	55,424,000	55,106,000	53,989,000	165,848,000	55,949,000	53,483,000	162,505,000	52,800,000
securities:
taxable interest	26,393,000	25,870,000	27,212,000	26,996,000	26,966,000	26,700,000	25,391,000	22,767,000	20,263,000	20,523,000	19,780,000	17,774,000	17,720,000	18,441,000	19,190,000	18,339,000	17,012,000	18,852,000	19,357,000	18,858,000	18,498,000	19,163,000	18,808,000	19,338,000	18,884,000	19,021,000	18,961,000	14,081,250	19,017,000	18,841,000	18,465,000	15,413,000	20,345,000	21,178,000	20,129,000	16,224,000	20,511,000	22,077,000	22,308,000	5,624,000	22,496,000	23,779,000	7,280,500	29,122,000
tax-exempt interest	25,377,000	24,612,000	24,404,000	24,177,000	23,202,000	21,988,000	20,697,000	19,137,000	18,281,000	18,290,000	18,703,000	19,047,000	18,893,000	18,296,000	17,183,000	16,139,000	14,797,000	13,845,000	12,735,000	11,756,000	11,320,000	10,607,000	9,915,000	7,362,500	9,745,000	9,798,000	9,907,000	7,554,000	10,338,000	10,118,000	9,760,000	7,111,250	9,602,000	9,468,000	9,375,000	6,336,250	8,825,000	8,282,000	8,238,000	1,757,000	7,028,000	7,317,000	1,755,000	7,020,000
total securities income	51,770,000	50,482,000	51,616,000	51,173,000	50,168,000	48,688,000	46,088,000	41,904,000	38,544,000	38,813,000	38,483,000	36,821,000	36,613,000	36,737,000	36,373,000	34,478,000	31,809,000	32,697,000	32,092,000	30,614,000	29,818,000	29,770,000	28,723,000	29,097,000	28,629,000	28,819,000	28,868,000	29,060,000	29,355,000	28,959,000	28,225,000	29,140,000	29,947,000	30,646,000	29,504,000	29,645,000	29,336,000	30,359,000	30,546,000	90,382,000	29,524,000	31,096,000	99,708,000	36,142,000
federal funds and resell agreements	2,248,000	1,573,000	5,452,000	4,875,000	2,817,000	2,526,000	3,625,000	2,353,000	665,000	752,000	1,038,000	1,062,000	1,008,000	711,000	919,000	769,000	790,000	642,000	507,000	320,000	175,000	151,000	51,000	41,500	87,000	46,000	33,000	31,500	62,000	40,000	24,000	22,000	48,000	25,000	16,000	18,250	45,000	13,000	15,000	11,750	47,000	61,000	32,500	130,000
interest-bearing due from banks	299,000	398,000	2,663,000	2,765,000	3,450,000	2,768,000	3,899,000	3,761,000	1,513,000	1,056,000	1,580,000	1,987,000	753,000	580,000	551,000	569,000	445,000	436,000	891,000	595,000	475,000	434,000	852,000	510,000	426,000	466,000	1,123,000	642,000	276,000	330,000	669,000	367,000	225,000	362,000	835,000	651,000	628,000	843,000	1,162,000	2,882,000	1,032,000	1,319,000	3,236,000	842,000
trading securities	259,000	312,000	654,000	504,000	425,000	842,000	434,000	581,000	428,000	709,000	430,000	361,000	389,000	459,000	287,000	233,000	174,000	173,000	52,000	75,000	75,000	133,000	95,000	85,000	39,000	149,000	123,000	156,000	278,000	268,000	264,000	305,000	201,000	317,000	323,000	623,000	191,000	230,000	261,000	550,000	181,000	142,000	553,000	168,000
total interest income	197,017,000	192,769,000	211,411,000	215,820,000	219,103,000	216,662,000	211,307,000	202,719,000	185,097,000	176,480,000	167,665,000	163,116,000	157,895,000	151,211,000	144,690,000	139,010,000	132,038,000	127,897,000	124,086,000	119,615,000	115,229,000	101,884,000	93,953,000	94,218,000	90,817,000	89,789,000	89,047,000	89,131,000	89,096,000	86,212,000	83,902,000	84,623,000	84,979,000	85,350,000	84,733,000	85,505,000	85,624,000	86,551,000	85,973,000	259,774,000	86,733,000	86,101,000	266,135,000	90,082,000
interest expense
deposits	9,284,000	11,243,000	29,732,000	35,698,000	41,144,000	39,516,000	37,834,000	34,140,000	25,792,000	18,334,000	13,835,000	12,372,000	10,181,000	7,835,000	5,966,000	5,119,000	4,626,000	4,136,000	4,055,000	3,836,000	3,863,000	3,522,000	3,048,000	3,076,000	3,015,000	3,092,000	3,059,000	2,961,000	3,097,000	3,333,000	3,792,000	3,973,000	4,079,000	4,376,000	4,988,000	5,660,000	6,139,000	6,163,000	6,666,000	24,985,000	8,462,000	9,624,000	36,096,000	13,823,000
federal funds and repurchase agreements	1,730,000	1,950,000	6,381,000	6,629,000	8,313,000	9,347,000	8,264,000	5,815,000	7,524,000	6,666,000	4,732,000	3,632,000	5,811,000	4,994,000	3,469,000	1,774,000	1,894,000	1,626,000	1,230,000	396,000	427,000	470,000		323,250	358,000	454,000		360,750	385,000	491,000		350,500	454,000	508,000		351,250	339,000	398,000		125,750	503,000	444,000	165,000	660,000
other	1,619,000	1,347,000	1,357,000	1,130,000	1,386,000	1,385,000	1,341,000	956,000	1,291,000	1,254,000	1,176,000	766,000	1,045,000	988,000	940,000	661,000	753,000	925,000	909,000	929,000	1,044,000	532,000	55,000	-95,000	-82,000	73,000	62,000	-40,000	69,000	61,000	60,000	-61,000	81,000	93,000	217,000	5,000	72,000	72,000	191,000	-6,362,000	6,792,000	2,875,000	9,180,000	3,443,000
total interest expense	12,633,000	14,540,000	37,470,000	43,457,000	50,843,000	50,248,000	47,439,000	40,911,000	34,607,000	26,254,000	19,743,000	16,770,000	17,037,000	13,817,000	10,375,000	7,554,000	7,273,000	6,687,000	6,194,000	5,161,000	5,334,000	4,524,000	3,595,000	3,304,000	3,291,000	3,619,000	3,602,000	3,217,000	3,551,000	3,885,000	4,419,000	4,394,000	4,614,000	4,977,000	5,644,000	5,972,000	6,550,000	6,633,000	7,525,000	26,829,000	9,065,000	10,327,000	38,359,000	14,873,000
net interest income	184,384,000	178,229,000	173,941,000	172,363,000	168,260,000	166,414,000	163,868,000	161,808,000	150,490,000	150,226,000	147,922,000	146,346,000	140,858,000	137,394,000	134,315,000	131,456,000	124,765,000	121,210,000	117,892,000	114,454,000	109,895,000	97,360,000	90,358,000	90,914,000	87,526,000	86,170,000	85,445,000	85,914,000	85,545,000	82,327,000	79,483,000	80,229,000	80,365,000	80,373,000	79,089,000	79,533,000	79,074,000	79,918,000	78,448,000	232,945,000	77,668,000	75,774,000	227,776,000	75,209,000
benefit from credit losses	16,000,000	21,500,000	88,000,000
net interest income after benefit from credit losses	168,384,000	156,729,000	85,941,000
noninterest income
trust and securities processing	50,552,000	46,321,000	47,000,000	46,835,000	45,218,000	42,903,000	41,957,000	41,891,000	43,425,000	42,845,000	44,002,000	44,234,000	45,060,000	44,811,000	60,404,000	60,431,000	60,218,000	59,745,000	59,485,000	62,194,000	65,182,000	67,381,000	67,299,000	69,072,000	74,062,000	73,357,000	71,563,000	71,685,000	68,465,000	63,486,000	62,312,000	58,338,000	56,291,000	55,755,000	54,710,000	51,101,000	51,928,000	53,635,000	51,727,000	121,741,000	38,615,000	35,572,000	95,645,000	24,899,000
trading and investment banking	8,678,000	12,851,000	1,723,000	6,720,000	5,712,000	5,453,000	5,581,000	3,119,000	3,711,000	4,653,000	4,101,000	5,015,000	4,453,000	6,173,000	7,542,000	5,040,000	6,114,000	5,638,000	4,630,000	5,559,000	2,969,000	5,568,000	6,122,000	4,840,000	3,826,000	6,409,000	4,323,000	4,317,000	3,792,000	5,423,000	7,109,000	6,421,000	7,120,000	7,140,000	9,678,000	7,271,000	4,952,000	6,478,000	9,019,000	23,681,000	5,530,000	7,027,000	21,726,000	4,861,000
service charges on deposit accounts	19,650,000	19,074,000	25,081,000	20,100,000	20,620,000	20,747,000	21,281,000	20,733,000	20,927,000	20,722,000	21,905,000	21,364,000	21,510,000	22,731,000	22,075,000	20,949,000	21,832,000	22,420,000	21,461,000	21,631,000	21,663,000	21,625,000	21,541,000				21,558,000				21,523,000				20,011,000				18,608,000
insurance fees and commissions	259,000	533,000	259,000	511,000	320,000	465,000	338,000	312,000	339,000	340,000	301,000	388,000	425,000	513,000	646,000	833,000	698,000	1,160,000	1,497,000	894,000	480,000	586,000	570,000	765,000	911,000	732,000	603,000	661,000	869,000	1,236,000	961,000	1,146,000	1,028,000	913,000	1,009,000	968,000	1,038,000	1,165,000	1,204,000	4,278,000	1,287,000	1,699,000	3,230,000	1,570,000
brokerage fees	4,819,000	5,753,000	9,860,000	8,839,000	8,102,000	7,077,000	7,243,000	6,761,000	6,402,000	6,291,000	6,353,000	6,127,000	5,815,000	5,889,000	5,377,000	4,674,000	4,712,000	4,262,000	4,185,000	3,005,000	2,958,000	2,936,000	2,854,000	2,595,000	3,276,000	3,075,000	1,815,000	2,743,000	2,895,000	2,886,000	2,946,000	2,781,000	3,104,000	2,705,000	2,514,000	2,410,000	2,627,000	2,573,000	2,341,000	4,747,000	1,598,000	1,336,000	4,820,000	2,352,000
bankcard fees	15,295,000	12,916,000	16,545,000	16,326,000	16,895,000	16,439,000	17,067,000	16,375,000	16,838,000	17,184,000	18,123,000	17,617,000	17,427,000	20,234,000	17,752,000	16,113,000	17,086,000	17,534,000	18,016,000	17,369,000	17,624,000	18,035,000	16,183,000	17,321,000	17,121,000	17,185,000	15,623,000	14,365,000	15,196,000	16,032,000	16,439,000	14,536,000	14,466,000	16,830,000	14,735,000	12,898,000	15,882,000	16,545,000	14,442,000	40,825,000	13,979,000	12,020,000	34,374,000	10,947,000
gains on sales of securities available for sale	311,000	4,006,000	1,227,000	755,000	3,057,000	-1,403,000
total noninterest income	112,996,000	120,456,000	98,424,000	110,355,000	103,635,000	105,398,000	107,382,000	94,999,000	100,885,000	100,289,000	105,525,000	106,033,000	104,306,000	110,306,000	120,780,000	116,330,000	121,948,000	121,447,000	116,350,000	112,599,000	109,098,000	119,550,000	125,207,000	115,248,000	126,475,000	134,001,000	122,964,000	135,607,000	121,625,000	113,585,000	121,016,000	109,274,000	106,321,000	110,226,000	132,301,000	97,769,000	100,957,000	107,856,000	107,750,000	271,270,000	89,100,000	86,430,000	241,267,000	68,909,000
noninterest expense
salaries and employee benefits	124,194,000	130,938,000	111,060,000	120,806,000	110,153,000	114,454,000	116,032,000	103,992,000	102,956,000	104,175,000	107,968,000	107,656,000	99,749,000	102,773,000	113,834,000	107,538,000	109,369,000	108,897,000	107,150,000	103,617,000	104,733,000	99,585,000	98,537,000	90,115,000	90,041,000	89,532,000	88,881,000	88,691,000	83,733,000	83,566,000	83,702,000	83,124,000	78,813,000	78,001,000	79,914,000	74,030,000	74,905,000	72,922,000	72,900,000	203,661,000	63,552,000	62,253,000	182,823,000	57,996,000
occupancy	12,027,000	11,411,000	12,180,000	12,249,000	12,240,000	11,539,000	11,743,000	11,845,000	11,628,000	10,813,000	10,953,000	11,148,000	11,285,000	11,061,000	11,148,000	11,421,000	11,394,000	11,139,000	10,972,000	11,791,000	11,748,000	10,312,000	10,010,000	10,312,000	10,475,000	9,705,000	9,705,000	10,116,000	10,016,000	9,273,000	9,887,000	9,568,000	9,870,000	9,211,000	9,278,000	9,824,000	9,398,000	9,579,000	9,605,000	27,327,000	8,924,000	8,921,000	26,616,000	8,144,000
equipment	20,968,000	21,502,000	21,241,000	20,803,000	19,775,000	18,824,000	19,684,000	18,983,000	18,533,000	18,842,000	18,826,000	18,690,000	17,880,000	17,956,000	17,668,000	17,726,000	16,231,000	17,032,000	16,282,000	16,723,000	17,228,000	15,410,000	14,172,000	14,618,000	13,408,000	12,920,000	12,663,000	13,195,000	12,205,000	11,873,000	11,934,000	11,466,000	10,330,000	11,004,000	10,665,000	10,593,000	10,424,000	10,774,000	10,936,000	33,721,000	11,213,000	10,870,000	34,649,000	12,996,000
supplies and services	3,442,000	3,785,000	4,185,000	6,280,000	4,261,000	4,285,000	3,873,000	3,669,000	4,528,000	4,146,000	3,760,000	4,211,000	4,076,000	4,792,000	4,281,000	4,788,000	4,624,000	4,719,000	4,949,000	4,280,000	5,371,000	4,603,000	4,325,000	5,403,000	4,817,000	5,554,000	4,637,000	5,776,000	4,761,000	5,362,000	4,487,000	5,789,000	4,995,000	5,218,000	5,043,000	5,496,000	5,513,000	5,577,000	5,580,000	14,161,000	4,680,000	4,707,000	14,860,000	5,377,000
marketing and business development	3,038,000	3,284,000	4,640,000	8,385,000	5,655,000	7,304,000	4,913,000	6,483,000	6,671,000	6,184,000	5,034,000	6,540,000	5,056,000	5,732,000	4,503,000	6,256,000	5,332,000	6,313,000	4,441,000	6,816,000	5,766,000	6,530,000	4,618,000	7,182,000	6,057,000	6,307,000	4,602,000	7,189,000	5,536,000	5,705,000	4,272,000	6,989,000	7,368,000	5,986,000	4,260,000	5,958,000	4,912,000	5,158,000	4,122,000	13,918,000	4,430,000	3,705,000	12,255,000	3,191,000
processing fees	12,812,000	13,603,000	13,390,000	13,351,000	13,619,000	13,096,000	12,132,000	11,948,000	12,331,000	11,537,000	11,161,000	11,238,000	11,151,000	10,743,000	11,301,000	11,045,000	11,264,000	11,464,000	11,462,000	13,096,000	12,795,000	12,654,000	12,783,000	13,496,000	14,085,000	14,817,000	13,651,000	14,937,000	14,471,000	14,293,000	14,090,000	12,819,000	12,964,000	12,593,000	12,816,000	11,788,000	12,704,000	13,319,000	12,173,000	34,288,000	11,214,000	11,029,000	28,461,000	7,004,000
legal and consulting	7,244,000	6,220,000	6,110,000	10,001,000	8,374,000	7,496,000	5,633,000	11,085,000	8,470,000	6,460,000	3,844,000	6,045,000	5,844,000	6,467,000	5,300,000	7,056,000	4,450,000	4,937,000	4,799,000	7,447,000	8,648,000	5,917,000	4,378,000	7,907,000	4,496,000	4,632,000	3,372,000	5,826,000	4,433,000	4,844,000	3,600,000	6,142,000	4,311,000	4,012,000	3,515,000	5,636,000	3,272,000	4,075,000	2,617,000	11,276,000	2,770,000	1,622,000	8,706,000	1,548,000
bankcard	4,834,000	4,549,000	4,860,000	4,061,000	4,643,000	4,701,000	4,345,000	4,316,000	4,407,000	4,165,000	4,626,000	4,405,000	5,130,000	5,033,000	4,903,000	4,558,000	5,015,000	5,369,000	5,815,000	5,301,000	5,266,000	4,953,000	4,768,000	6,812,000	4,097,000	4,997,000	3,688,000	4,564,000	4,561,000	4,709,000	4,547,000	4,582,000	4,700,000	4,630,000	4,242,000	3,528,000	4,001,000	4,219,000	3,852,000	12,354,000	4,360,000	3,190,000	10,294,000	3,957,000
amortization of other intangible assets	1,524,000	1,658,000	1,734,000	1,593,000	1,335,000	1,251,000	1,327,000	1,332,000	1,385,000	1,485,000	1,562,000	1,641,000	1,715,000	1,924,000	2,869,000	2,928,000	2,992,000	3,145,000	3,226,000	3,283,000	3,483,000	2,569,000	2,755,000				3,102,000				3,456,000				3,852,000				4,006,000			2,091,000	5,193,000	976,000
regulatory fees	2,309,000	3,211,000	2,366,000	2,940,000	2,749,000	2,910,000	2,890,000	2,681,000	3,337,000	3,772,000	2,905,000	3,825,000	3,798,000	4,071,000	3,833,000	3,687,000	3,370,000	3,692,000	3,429,000	3,320,000	3,176,000	2,873,000	2,756,000	2,643,000	2,577,000	2,709,000	2,516,000	2,063,000	2,670,000	2,484,000	1,911,000	2,351,000	2,363,000	2,314,000	2,419,000	2,154,000	2,130,000	2,394,000	3,716,000	9,932,000	3,516,000	3,238,000
total noninterest expense	197,995,000	208,533,000	188,619,000	203,450,000	191,397,000	193,387,000	190,626,000	184,321,000	180,385,000	177,218,000	175,876,000	182,559,000	171,821,000	176,939,000	188,766,000	186,324,000	179,783,000	185,243,000	180,744,000	182,080,000	185,279,000	171,964,000	164,413,000	166,713,000	161,461,000	166,511,000	172,241,000	170,426,000	153,063,000	150,311,000	150,378,000	157,959,000	145,905,000	144,686,000	141,904,000	142,221,000	139,428,000	145,581,000	135,516,000	386,500,000	126,122,000	117,378,000	353,941,000	106,644,000
income before income taxes	83,385,000	68,652,000	-4,254,000	77,268,000	72,998,000	67,425,000	68,274,000	24,486,000	65,240,000	66,297,000	67,571,000	63,820,000	61,843,000	56,261,000	57,329,000	53,962,000	53,930,000	50,414,000	48,498,000	39,973,000	31,214,000	39,946,000	48,152,000	36,449,000	48,040,000	48,660,000	31,668,000	47,095,000	47,607,000	40,601,000	48,121,000	27,544,000	36,281,000	41,413,000	64,986,000	30,081,000	36,103,000	36,593,000	43,582,000	94,305,000	32,546,000	36,516,000	89,002,000	31,474,000
income tax expense	10,293,000	8,123,000		10,753,000	10,616,000	10,466,000	10,530,000	-968,000	7,391,000	10,873,000	10,038,000	16,463,000	12,971,000	11,490,000	13,148,000	11,028,000	11,984,000	13,117,000	12,253,000	10,330,000	8,763,000	9,732,000	14,387,000				8,255,000				13,180,000				18,619,000				12,712,000
net income	73,092,000	60,529,000	-3,439,000	66,515,000	62,382,000	56,959,000	57,744,000	25,454,000	57,849,000	55,424,000	56,786,000	111,961,000	48,142,000	42,821,000	44,181,000	42,934,000	41,946,000	37,297,000	36,245,000	29,643,000	22,451,000	30,214,000	33,765,000	26,940,000	35,630,000	34,672,000	23,413,000	34,663,000	34,432,000	29,929,000	34,941,000	21,060,000	26,125,000	29,165,000	46,367,000	23,266,000	26,015,000	26,321,000	30,870,000	67,989,000	23,013,000	26,185,000	66,883,000	22,601,000
yoy	17.17%	6.27%	-105.96%	161.31%	7.84%	2.77%	1.69%	-77.27%	20.16%	29.43%	28.53%	160.77%	14.77%	14.81%	21.90%	44.84%	86.83%	23.44%	7.34%	10.03%	-36.99%	-12.86%	44.21%	-22.28%	3.48%	15.85%	-32.99%	64.59%	31.80%	2.62%	-24.64%	-9.48%	0.42%	10.81%	50.20%	-65.78%	13.04%	0.52%	-53.84%	200.82%
qoq	20.76%	-1860.08%	-105.17%	6.63%	9.52%	-1.36%	126.86%	-56.00%	4.38%	-2.40%	-49.28%	132.56%	12.43%	-3.08%	2.90%	2.36%	12.46%	2.90%	22.27%	32.03%	-25.69%	-10.52%	25.33%	-24.39%	2.76%	48.09%	-32.46%	0.67%	15.05%	-14.34%	65.91%	-19.39%	-10.42%	-37.10%	99.29%	-10.57%	-1.16%	-14.74%	-54.60%	195.44%	-12.11%	-60.85%	195.93%
per share data
net income – basic	1.52	1.26	-0.07	1.36	1.28	1.17	1.19	0.53	1.17	1.12	1.15	2.27	0.98	0.87	0.9				0.74								0.52	0.618	0.85	0.75	0.88	0.635	0.65	0.73	1.16	0.52	0.65	0.66	0.77
net income – diluted	1.52	1.26	-0.07	0.903	1.27	1.16	1.18							0.86	0.89				0.74				0.74				0.52	0.61	0.83	0.74	0.87	0.628	0.64	0.72	1.15	0.515	0.64	0.65	0.76
dividends	0.31	0.31	0.31	0.31	0.3	0.3	0.3	0.218	0.29	0.29	0.29	0.191	0.255	0.255	0.255	0.184	0.245	0.245	0.245	0.176	0.235	0.235	0.235	0.169	0.225	0.225	0.225	0.161	0.215	0.215	0.215	0.154	0.205	0.205	0.205	0.146	0.195	0.195	0.195	0.046	0.185	0.185	0.044	0.175
weighted-average shares outstanding – basic	47,947,056	47,991,283	48,689,876	48,779,263	48,797,182	48,777,732	48,712,153	49,334,937				49,223,661		49,269,786	49,109,872	48,828,313			48,756,433	47,126,252			45,000,831
weighted-average shares outstanding – diluted	48,068,438	48,077,810	48,689,876	49,089,877	49,096,196	49,039,692	48,998,571	49,770,737				49,839,290		49,848,903	49,829,508	49,277,055			49,090,232	47,579,334			45,437,654
income tax (benefit) expense			-815,000								-170,000	-61,750	-300,000	-649,000
provision for loan losses				2,000,000	7,500,000		12,350,000
net interest income after provision for loan losses				170,363,000	160,760,000		151,518,000
income from continuing operations				66,515,000	62,382,000	56,959,000	57,744,000	25,454,000	57,849,000	55,424,000	57,533,000	47,357,000	48,872,000	44,771,000
discontinued operations
loss from discontinued operations before income taxes
income tax benefit								-42,500
loss from discontinued operations
basic:
diluted:
benefit from loan losses						11,000,000		48,000,000	5,750,000	7,000,000	10,000,000	6,000,000	11,500,000	14,500,000	9,000,000	7,500,000	13,000,000	7,000,000	5,000,000	5,000,000	2,500,000	5,000,000	3,000,000	3,000,000	4,500,000	5,000,000	4,500,000	4,000,000	6,500,000	5,000,000	2,000,000	4,000,000	4,500,000	4,500,000	4,500,000	5,000,000	4,500,000	5,600,000	7,100,000	23,410,000	8,100,000	8,310,000	26,100,000	6,000,000
net interest income after benefit from loan losses						155,414,000		113,808,000	144,740,000	143,226,000	137,922,000	140,346,000	129,358,000	122,894,000	125,315,000	123,956,000	111,765,000	114,210,000	112,892,000	109,454,000	107,395,000	92,360,000	87,358,000	87,914,000	83,026,000	81,170,000	80,945,000	81,914,000	79,045,000	77,327,000	77,483,000	76,229,000	75,865,000	75,873,000	74,589,000	74,533,000	74,574,000	74,318,000	71,348,000	209,535,000	69,568,000	67,464,000	201,676,000	69,209,000
income from discontinued operations before income taxes								-229,250			-917,000	-180,500	-1,030,000	-2,599,000
income from discontinued operations											-747,000	64,604,000	-730,000	-1,950,000
gain on sales of securities available for sale							809,000	144,500	211,000	228,000	139,000	1,034,500	2,390,000	1,280,000	468,000	2,127,250	2,978,000	2,598,000	2,933,000	2,101,000	101,000	967,000	7,336,000	1,016,250	26,000	2,569,000	1,470,000			1,519,000	5,893,000			3,222,000	16,541,000			6,023,000	7,456,000	284,000	1,136,000	5,382,000	10,500	42,000
net income - diluted								0.53	1.16	1.11	1.14	2.25	0.97			0.59	0.85	0.76		0.46	0.46	0.65				0.76														0.143	0.57	0.65	0.138	0.55
weighted-average shares outstanding - basic									49,473,157	49,551,920	49,420,606		49,283,322				48,849,251	48,770,948			48,577,282	46,240,869
weighted-average shares outstanding - diluted									49,912,084	50,007,022	49,917,454		49,833,141				49,284,280	49,165,686			49,036,332	46,611,096
equity (losses) earnings on alternative investments												285,000	-584,000
equity earnings on alternative investments														-195,000		547,750	1,594,000	978,000		-1,749,750	-5,032,000	-1,125,000	-842,000	-4,487,000	2,470,000	3,462,000	2,530,000
equity losses on alternative investments															-614,000				-381,000
net income - basic																0.593	0.86	0.76		0.463	0.46	0.65	0.75			0.77														0.143	0.57	0.65	0.14	0.56
contingency reserve																										5,272,000	15,000,000
federal funds purchased and repurchase agreements																							492,000				481,000				567,000				439,000				668,000
service charges on deposits																								15,954,750	21,634,000	20,627,000		15,860,250	21,036,000	20,882,000		14,547,750	19,171,000	19,009,000		13,917,250	18,880,000	18,181,000		5,040,750	20,163,000	20,519,000	5,198,750	20,795,000
amortization of intangible assets																								2,304,750	3,043,000	3,074,000		2,513,500	3,245,000	3,354,000		2,807,000	3,643,000	3,733,000		3,046,750	4,022,000	4,159,000		610,500	2,442,000
income tax provision																								8,663,250	12,410,000	13,988,000		9,256,750	13,175,000	10,672,000		10,255,750	10,156,000	12,248,000		8,268,000	10,088,000	10,272,000		2,383,250	9,533,000	10,331,000	2,218,250	8,873,000
net income—basic																								0.6	0.79
net income—diluted																								0.59	0.78
weight average shares outstanding																									44,890,309
weighted-average shares outstanding																										44,823,370	44,742,068	41,275,839	40,698,700	39,966,869	39,881,505	40,034,428	40,081,304	40,034,649	40,025,456	40,034,435	40,020,772	40,080,402	40,070,399	40,071,751	40,079,714	40,089,527	40,324,437	40,598,097
gain on sales of available for sale securities																												2,138,000	1,140,000			5,005,500	259,000			3,972,750	2,411,000
class action litigation settlement																																						7,800,000
long-term debt																																								25,000	100,000	259,000	922,000	390,000
short-term debt
gain on mandatory redemption of visa, inc. class b common stock
covered litigation provision

Balance Sheets:

Quarterly

Annual

Unit: USD	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	2023-03-31	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

assets
loans	38,779,408,000	37,706,507,000	36,807,933,000	35,936,281,000	25,642,301,000	24,990,791,000	24,197,462,000	23,637,649,000	23,172,484,000	22,881,689,000	21,812,972,000	21,031,189,000	19,883,573,000	18,972,158,000	17,731,700,000	17,170,871,000	16,469,463,000	16,910,790,000	16,497,385,000	16,103,651,000	15,950,177,000	15,305,097,000	13,949,710,000	13,431,722,000	13,043,840,000	12,900,269,000	12,549,732,000	12,178,150,000	11,964,724,000	11,631,628,000	11,458,794,000	11,280,513,000				10,540,383,000				9,430,761,000				7,465,794,000				6,520,512,000				5,686,749,000				4,960,343,000				4,583,683,000				4,314,705,000				4,388,148,000
allowance for credit losses on loans	-419,478,000	-404,971,000	-389,918,000	-368,922,000	-259,089,000	-248,907,000	-239,167,000	-226,159,000	-219,738,000	-221,462,000	-210,509,000	-191,836,000	-184,913,000	-164,346,000	-179,288,000	-194,771,000	-194,156,000	-200,563,000	-202,814,000	-215,973,000	-211,688,000	-200,300,000	-187,911,000
net loans	38,359,930,000	37,301,536,000	36,418,015,000	35,567,359,000	25,383,212,000	24,741,884,000	23,958,295,000	23,411,490,000	22,952,746,000	22,660,227,000	21,602,463,000	20,839,353,000	19,698,660,000	18,807,812,000	17,552,412,000	16,976,100,000	16,275,307,000	16,710,227,000	16,294,571,000	15,887,678,000	15,738,489,000	15,104,797,000	13,761,799,000	13,329,934,000	12,936,434,000	12,798,177,000	12,446,071,000	12,074,515,000	11,863,422,000	11,533,330,000	11,358,492,000	11,179,909,000	10,898,639,000	10,750,781,000	10,663,913,000	10,448,734,000	10,203,090,000	9,998,600,000	9,619,233,000	9,349,618,000	8,968,096,000	8,838,407,000	7,420,829,000	7,389,654,000	7,025,847,000	6,843,881,000	6,683,575,000	6,445,761,000	6,431,964,000	6,267,274,000	5,940,800,000	5,615,323,000	5,318,395,000	5,242,957,000	5,071,280,000	4,888,326,000	4,703,195,000	4,658,861,000	4,595,144,000	4,509,731,000	4,510,843,000	4,378,308,000	4,234,523,000	4,250,566,000	4,256,165,000	4,276,778,000	4,252,764,000	4,335,851,000
loans held for sale	2,030,000	3,170,000	5,738,000	5,099,000	2,756,000	5,176,000	4,211,000	4,415,000	4,420,000	2,824,000	1,422,000	1,978,000	2,870,000	750,000	384,000	1,277,000	4,645,000	5,303,000	10,275,000	6,708,000	10,978,000	8,213,000	9,585,000	7,803,000	11,025,000	2,771,000	1,267,000	3,192,000	2,222,000	3,482,000	4,586,000	1,460,000	4,525,000	3,443,000	1,934,000	5,279,000	11,880,000	10,495,000	4,830,000	589,000	1,013,000	2,819,000	3,141,000	624,000	1,718,000	3,156,000	1,108,000	1,357,000	3,033,000	6,693,000	6,305,000	3,877,000	13,899,000	11,027,000	10,162,000	10,215,000	11,562,000	6,581,000	6,446,000	14,414,000	11,256,000	10,439,000	17,706,000	17,523,000	19,410,000	38,060,000	34,799,000	21,886,000
securities:
available for sale	13,709,141,000	13,378,280,000	12,162,688,000	10,895,659,000	7,774,334,000	7,015,998,000	7,107,373,000	6,541,391,000	7,068,613,000	6,330,699,000	6,907,897,000	7,006,347,000	7,128,277,000	7,739,216,000	8,550,093,000	11,976,514,000	11,162,690,000	10,347,531,000	9,753,392,000	9,299,688,000	8,719,246,000	8,483,624,000	7,639,451,000	7,447,362,000	7,411,908,000	7,176,351,000	6,891,869,000	6,542,800,000	5,932,741,000	6,011,684,000	6,139,346,000	6,258,577,000	5,848,960,000	6,226,041,000	6,551,593,000	6,466,334,000	6,295,687,000	6,771,179,000	6,883,312,000	6,806,949,000	6,671,745,000	6,925,115,000	6,787,001,000	6,911,936,000	6,759,803,000	6,700,623,000	6,734,931,000	6,762,411,000	6,697,997,000	6,944,358,000	6,841,584,000	6,937,463,000	6,487,124,000	6,329,724,000	6,200,456,000	6,107,882,000	5,757,923,000	5,510,299,000	5,604,318,000	5,613,047,000	5,058,667,000	4,925,822,000	4,740,505,000	4,885,788,000	4,385,619,000	3,826,390,000	4,071,584,000	4,815,072,000
held to maturity, net of allowance for credit losses of 1,684 and 2,645, respectively	5,722,543,000
trading securities	22,331,000	35,811,000	24,698,000	35,461,000	28,533,000	35,839,000	28,981,000	40,187,000	18,093,000	24,509,000	19,823,000	17,980,000	14,390,000	9,646,000	17,059,000	31,875,000	68,882,000	40,552,000	29,099,000	35,020,000	49,154,000	51,383,000	61,177,000	45,618,000	86,074,000	81,381,000	56,025,000	61,011,000	81,159,000	67,091,000	65,389,000	54,055,000	60,660,000	61,833,000	75,494,000	39,536,000	58,062,000	56,311,000	26,779,000	29,617,000	23,699,000	36,616,000	29,380,000				43,055,000				72,588,000				68,696,000				54,060,000				34,858,000	38,214,000				38,480,000
other securities	676,300,000	719,575,000	718,815,000	647,152,000	471,018,000	465,477,000	447,650,000	473,434,000	492,935,000	473,255,000	416,337,000	349,758,000	333,732,000	342,543,000	332,123,000	327,098,000	274,645,000	254,315,000	298,209,000	296,053,000	159,994,000	154,206,000	135,194,000	108,420,000	88,176,000	89,302,000	75,357,000	73,692,000	65,252,000	66,547,000	67,408,000	65,897,000	63,543,000	65,039,000	67,910,000	68,306,000	66,853,000	66,300,000	64,591,000	65,198,000	68,371,000	77,800,000	67,200,000
total securities	20,130,315,000	19,786,053,000	18,401,383,000	17,291,036,000	13,650,152,000	12,992,024,000	13,130,638,000	12,677,629,000	13,268,251,000	12,558,160,000	13,203,380,000	13,233,277,000	13,311,586,000	13,798,687,000	13,499,462,000	13,813,963,000	12,593,525,000	11,723,571,000	11,120,411,000	10,642,765,000	9,995,895,000	9,800,838,000	8,946,747,000		8,688,163,000
federal funds sold and securities purchased under agreements to resell	1,548,093,000	765,113,000	737,191,000	636,069,000	545,000,000	399,234,000	247,462,000	180,275,000	245,344,000	248,203,000	368,158,000	958,597,000	716,549,000	1,055,459,000	1,319,809,000	1,216,357,000	1,092,104,000	1,146,521,000	1,629,813,000	1,650,335,000	1,101,313,000	1,347,643,000	784,750,000	1,578,345,000	463,392,000	283,603,000	264,772,000	627,001,000	206,412,000	70,346,000	127,208,000	191,601,000	244,436,000	184,521,000	196,467,000	324,327,000	244,891,000	196,283,000	170,824,000	173,627,000	98,762,000	91,326,000	24,379,000	118,105,000	65,255,000	82,652,000	108,986,000	87,018,000	54,434,000	66,973,000	19,046,000	89,868,000	41,172,000	30,733,000	9,663,000	66,078,000	86,695,000	44,486,000	3,793,000	235,176,000	22,399,000	29,636,000	21,177,000	329,765,000	103,954,000	130,100,000	51,834,000	235,092,000
interest-bearing due from banks	6,940,535,000	7,892,392,000	10,026,186,000	9,811,867,000	7,986,270,000	6,601,866,000	4,640,418,000	6,673,104,000	5,159,802,000	3,556,076,000	3,121,323,000	1,179,105,000	1,768,008,000	1,825,295,000	6,355,941,000	8,841,906,000	5,739,267,000	5,059,098,000	3,860,763,000	3,110,042,000	1,613,675,000	1,714,478,000	1,109,254,000	1,225,491,000	158,339,000	876,551,000	1,113,470,000	1,047,830,000	668,990,000	113,875,000	671,163,000	1,351,760,000	221,856,000	332,090,000	374,570,000	715,823,000	453,189,000	379,611,000	401,961,000	522,877,000	847,077,000	698,940,000	769,321,000	1,539,386,000	986,428,000	255,453,000	770,458,000	2,093,467,000	1,357,881,000	607,470,000	1,631,163,000	720,500,000	174,012,000	295,499,000	1,058,284,000	1,164,007,000	322,993,000	1,371,431,000	2,012,990,000	848,598,000	658,347,000	718,410,000	724,437,000	1,057,195,000	539,357,000	698,246,000	928,471,000	575,309,000
cash and due from banks	952,547,000	1,073,005,000	1,087,696,000	917,450,000	573,175,000	778,069,000	464,719,000	356,963,000	447,201,000	454,705,000	472,248,000	500,682,000	371,336,000	360,242,000	357,772,000	413,821,000	426,843,000	469,883,000	387,230,000	430,638,000	440,659,000	462,849,000	340,553,000	472,958,000	658,198,000	422,648,000	399,387,000	645,123,000	348,700,000	379,433,000	279,838,000	392,723,000	366,169,000	379,148,000	373,671,000	422,117,000	354,184,000	355,732,000	325,446,000	458,217,000	339,592,000	490,171,000	449,315,000	444,299,000	395,956,000	639,878,000	593,956,000	521,001,000	604,592,000	415,489,000	319,535,000	667,774,000	397,339,000	402,893,000	403,575,000	446,580,000	383,757,000	347,369,000	309,741,000	356,092,000	332,699,000	311,171,000	319,966,000	458,093,000	288,422,000	359,469,000	351,722,000	423,599,000
premises and equipment	398,271,000	398,607,000	395,195,000	391,147,000	221,773,000	222,056,000	226,860,000	231,918,000	241,700,000	249,037,000	260,623,000	263,649,000	260,685,000	257,729,000	264,519,000	270,933,000	273,378,000	281,011,000	286,068,000	293,095,000	295,090,000	300,174,000	297,668,000	300,334,000	290,273,000	278,725,000	279,000,000	283,879,000	277,123,000	274,408,000	272,632,000	275,942,000	277,454,000	276,412,000	282,398,000	289,007,000	287,267,000	277,060,000	279,079,000	281,471,000	281,704,000	279,996,000	263,542,000	257,835,000
accrued income	349,639,000	331,645,000	327,390,000	308,103,000	246,095,000	218,651,000	237,874,000	221,447,000	220,306,000	208,594,000	181,586,000	189,231,000	153,759,000	144,874,000	127,139,000	131,102,000	122,798,000	131,188,000	131,533,000	139,892,000	132,574,000	126,962,000	111,879,000	124,508,000	119,024,000	124,396,000	117,007,000	110,168,000	104,012,000	100,133,000	97,632,000	98,863,000	103,076,000	99,122,000	97,035,000	99,045,000	93,016,000	92,650,000	90,002,000	90,127,000	87,863,000	84,979,000	80,083,000	79,297,000	77,263,000	73,805,000	75,384,000	78,216,000	72,030,000	71,817,000	70,510,000	69,749,000	70,099,000	71,396,000	73,943,000	75,997,000	75,189,000	78,129,000	73,750,000	76,653,000	63,990,000	61,810,000	61,515,000	64,949,000	64,804,000	61,076,000	61,783,000	64,513,000
goodwill	1,839,825,000	1,835,298,000	1,812,694,000	1,798,451,000	207,385,000	207,385,000	207,385,000	207,385,000	207,385,000	207,385,000	207,385,000	207,385,000	182,225,000	182,225,000	182,225,000	174,518,000	174,518,000	174,518,000	174,518,000	180,867,000	180,867,000	180,867,000	180,867,000	180,867,000	180,867,000	180,867,000	180,867,000	180,867,000	180,867,000	180,867,000	180,867,000	180,867,000	180,867,000	180,867,000	228,396,000	228,396,000	228,396,000	228,396,000	228,396,000	228,346,000	227,962,000	228,217,000	209,758,000	209,758,000	209,758,000	209,758,000	209,758,000	209,758,000	209,758,000	209,758,000	209,758,000	209,758,000	209,758,000	211,114,000	211,114,000	211,114,000	211,114,000	211,114,000	211,114,000	211,114,000	163,584,000	131,356,000	131,356,000	131,356,000	125,739,000	123,627,000	104,914,000	104,924,000
other intangibles	486,869,000	511,450,000	531,918,000	557,186,000	63,647,000	65,564,000	67,141,000	69,052,000	71,012,000	73,060,000	76,426,000	78,724,000	13,373,000	14,465,000	15,690,000	14,416,000	15,526,000	16,636,000	17,793,000	21,056,000	22,657,000	24,181,000	25,839,000	27,597,000	17,190,000	12,425,000	13,676,000	15,003,000	16,335,000	17,210,000	18,695,000	20,257,000	23,477,000	24,614,000	31,622,000	34,491,000	37,419,000	40,411,000	43,556,000	46,782,000	50,065,000	53,649,000	41,236,000	43,991,000	46,966,000	49,888,000	52,483,000	55,585,000	58,749,000	61,994,000	65,348,000	68,803,000	72,351,000	76,604,000	80,337,000	84,331,000	88,243,000	92,132,000	88,291,000	92,297,000	69,723,000	53,015,000	46,635,000	47,462,000	40,528,000	39,769,000	17,125,000	18,101,000
other assets	2,086,036,000	1,982,912,000	2,016,747,000	2,063,546,000	1,530,199,000	1,264,519,000	1,284,411,000	1,309,697,000	1,193,507,000	1,246,411,000	1,112,176,000	1,060,480,000	1,102,011,000	1,060,303,000	930,389,000	839,091,000	836,374,000	901,059,000	756,414,000	764,428,000	718,775,000	682,606,000	675,945,000	596,016,000	620,187,000	576,306,000	570,045,000	515,392,000	516,011,000	508,482,000	458,182,000	438,658,000	655,846,000	436,421,000	424,495,000	425,205,000	383,095,000	380,448,000	360,252,000	373,721,000	343,538,000	163,811,000	238,053,000	132,344,000	116,750,000	120,131,000	150,091,000	118,873,000	183,503,000	120,812,000	128,530,000	102,628,000	98,538,000	101,162,000	106,973,000	89,332,000	90,578,000	94,491,000	82,302,000	99,026,000	110,132,000	101,973,000	99,648,000	85,084,000	77,030,000	72,589,000	42,876,000	46,124,000
total assets	73,094,090,000	71,881,181,000	71,760,153,000	69,347,313,000	50,409,664,000	47,496,428,000	44,469,414,000	45,343,375,000	44,011,674,000	41,464,682,000	40,607,190,000	38,512,461,000	37,581,062,000	37,507,841,000	40,605,742,000	42,693,484,000	37,554,285,000	36,619,015,000	34,669,389,000	33,127,504,000	30,250,972,000	29,753,608,000	26,244,886,000	26,561,355,000	24,143,092,000	24,016,276,000	23,556,760,000	23,351,119,000	21,462,360,000	20,531,470,000	20,987,904,000	21,771,583,000	20,279,503,000	20,353,599,000	20,576,137,000	20,682,532,000	19,726,146,000	19,734,076,000	19,302,913,000	19,094,245,000	18,597,965,000	18,418,727,000	16,730,123,000	17,500,960,000	16,284,028,000	15,562,690,000	15,945,830,000	16,911,852,000	16,184,233,000	15,253,217,000	15,705,470,000	14,927,196,000	13,285,845,000	13,182,662,000	13,641,157,000	13,541,398,000	12,139,084,000	12,770,576,000	13,352,320,000	12,404,932,000	11,340,041,000	11,062,280,000	10,724,056,000	11,663,355,000	10,235,496,000	9,955,126,000	10,246,858,000	10,976,596,000
liabilities
deposits:
noninterest-bearing demand	17,143,341,000	16,188,227,000	18,481,469,000	18,431,854,000	13,617,167,000	12,840,940,000	12,034,606,000	13,251,090,000	12,130,662,000	11,254,885,000	12,488,803,000	13,260,363,000	13,876,929,000	14,925,555,000	15,946,738,000	16,342,642,000	13,189,739,000	12,513,031,000	11,604,415,000	9,879,970,000	8,752,882,000	8,633,603,000	7,269,520,000	6,944,465,000	6,652,887,000	6,524,428,000	6,448,422,000	6,680,070,000	5,757,353,000	5,994,426,000	6,042,719,000	6,839,171,000	5,812,117,000	6,433,339,000	6,202,246,000	6,654,584,000	6,008,326,000	6,233,492,000	6,202,026,000	6,306,895,000	6,257,944,000	5,887,525,000	5,617,788,000	5,643,989,000	5,467,810,000	5,399,733,000	5,303,067,000	5,189,998,000	5,628,258,000	4,887,643,000	5,597,601,000	4,920,581,000	4,415,669,000	4,217,487,000	4,305,742,000	3,941,372,000	3,617,202,000	3,818,556,000	3,627,918,000	2,888,881,000	2,778,728,000	2,865,776,000	2,716,510,000	2,775,222,000	2,594,635,000	2,512,369,000	2,614,082,000	2,383,454,000
interest-bearing demand and savings	39,752,587,000	40,549,723,000	38,214,606,000	36,898,898,000	27,397,195,000	24,798,869,000	22,400,255,000	21,018,911,000	20,588,606,000	18,833,614,000	16,760,603,000	18,461,632,000	17,059,492,000	16,007,087,000	17,828,794,000	18,405,644,000	17,461,390,000	16,857,127,000	16,011,812,000	16,295,186,000	15,298,562,000	15,033,643,000	12,920,980,000	13,432,415,000	11,689,871,000	11,870,782,000	12,018,580,000	11,454,442,000	10,938,839,000	9,471,698,000	10,188,367,000	9,903,565,000	9,063,079,000	8,429,180,000	8,622,219,000	8,780,309,000	8,288,670,000	8,270,416,000	8,178,712,000	7,529,972,000	7,547,822,000	7,303,306,000	6,668,991,000	6,709,281,000	6,324,535,000	5,754,573,000	5,747,984,000	7,001,126,000	6,248,189,000	5,801,388,000	5,895,219,000	5,450,450,000	5,070,680,000	4,920,957,000	5,168,454,000	4,680,125,000	4,434,430,000	4,696,077,000	5,294,235,000	4,445,798,000	4,278,388,000	4,047,404,000	3,904,509,000	3,904,268,000	3,657,651,000	3,557,310,000	3,604,529,000	3,880,165,000
time deposits under 250,000	1,934,617,000	1,985,352,000	1,935,968,000	1,871,388,000	969,132,000	1,245,532,000	1,421,513,000	2,044,280,000	2,292,899,000	2,834,181,000	456,129,000	379,087,000	365,644,000	383,832,000	399,467,000	403,660,000	415,068,000	430,713,000	457,290,000	477,748,000	491,378,000	546,089,000	595,128,000	611,587,000	618,301,000	610,711,000	591,405,000	593,904,000	594,705,000	512,446,000	553,692,000	547,990,000	576,035,000	569,281,000	594,967,000	613,589,000	658,541,000	695,629,000	727,709,000	771,973,000
time deposits of 250,000 or more	1,826,245,000	1,412,541,000	1,354,966,000	1,319,038,000	1,158,535,000	817,251,000	661,196,000	599,329,000	780,692,000	509,072,000	2,226,369,000	538,051,000	504,323,000	169,550,000	187,566,000	447,981,000	169,613,000	247,600,000	207,275,000	398,347,000	195,085,000	246,069,000	389,892,000	614,777,000	348,286,000	394,309,000	306,808,000	552,844,000	445,807,000	407,508,000	433,487,000	732,274,000	548,373,000	664,866,000	475,752,000	522,132,000	422,712,000	449,156,000	309,926,000	483,912,000
total deposits	60,656,790,000	60,135,843,000	59,987,009,000	58,521,178,000	43,142,029,000	39,702,592,000	36,517,570,000	36,913,610,000	35,792,859,000	33,431,752,000	31,931,904,000	32,639,133,000	31,806,388,000	31,486,024,000	34,362,565,000	35,599,927,000	31,235,810,000	30,048,471,000	28,280,792,000	27,051,251,000	24,737,907,000	24,459,404,000	21,175,520,000	21,603,244,000	19,309,345,000	19,400,230,000	19,365,215,000	19,281,260,000	17,736,704,000	16,386,078,000	17,218,265,000	18,023,000,000	15,999,604,000	16,096,666,000	15,895,184,000	16,570,614,000	15,378,249,000	15,648,693,000	15,418,373,000	15,092,752,000	15,061,559,000	14,496,646,000	13,156,288,000	13,616,859,000	12,753,437,000	12,174,289,000	12,265,771,000	13,640,766,000	13,041,044,000	11,729,750,000	12,559,458,000	11,653,365,000	10,612,780,000	10,329,850,000	10,747,993,000	10,169,911,000	9,395,023,000	9,913,801,000	10,372,756,000	9,028,741,000	8,601,815,000	8,420,392,000	8,220,509,000	8,534,488,000	7,890,189,000	7,674,009,000	7,676,813,000	7,725,326,000
federal funds purchased and repurchase agreements	3,324,938,000	2,838,597,000	2,932,606,000	2,559,983,000	2,609,715,000	2,023,297,000	2,217,033,000	2,225,474,000	2,119,644,000	1,757,602,000	2,160,808,000	2,222,167,000	2,314,168,000	2,661,283,000	2,840,535,000	3,238,435,000	2,500,340,000	2,783,389,000	2,759,818,000	2,315,497,000	1,929,004,000	1,963,694,000	1,890,917,000	1,896,508,000	1,791,000,000	1,708,884,000	1,494,048,000	1,518,920,000	1,192,985,000	1,666,158,000	1,354,615,000	1,260,704,000	1,856,837,000	1,886,370,000	2,390,364,000	1,856,937,000	2,021,123,000	1,788,567,000	1,681,723,000	1,818,062,000	1,342,600,000	1,774,435,000	1,719,080,000	2,025,132,000	1,711,809,000	1,607,294,000	1,973,736,000	1,583,218,000	1,527,964,000	2,157,979,000	1,659,343,000	1,787,270,000	1,164,199,000	1,400,566,000	1,502,705,000	1,950,827,000	1,340,693,000	1,505,937,000	1,687,352,000	2,084,342,000	1,432,179,000	1,400,866,000	1,311,296,000	1,927,607,000	1,146,676,000	1,088,446,000	1,414,239,000	2,127,353,000
long-term debt	474,229,000	471,331,000	657,324,000	654,380,000	385,292,000	384,758,000	384,245,000	383,742,000	383,247,000	382,768,000	381,796,000	381,311,000	381,543,000	272,505,000	272,036,000	271,544,000	271,049,000	270,558,000	270,074,000	269,595,000	269,044,000	70,996,000	121,582,000	97,490,000	86,951,000	88,569,000	81,608,000	82,671,000	78,523,000	78,692,000	78,687,000	79,281,000	76,071,000	76,083,000	76,104,000	76,772,000	75,418,000	85,320,000	85,238,000	86,070,000	83,534,000	88,346,000	7,600,000	8,810,000	7,067,000	5,745,000	5,815,000	5,055,000	5,130,000	4,063,000	4,393,000	5,879,000	5,632,000	5,260,000	5,423,000	6,529,000	7,841,000	7,545,000	7,718,000	8,884,000	9,040,000	9,316,000	24,212,000	25,458,000	32,358,000	31,073,000	34,759,000	35,925,000
accrued expenses and taxes	435,351,000	453,437,000	389,669,000	352,143,000	368,457,000	387,223,000	352,778,000	374,888,000	389,860,000	319,283,000	207,633,000	239,624,000	211,465,000	182,185,000	178,130,000	249,492,000	249,567,000	254,589,000	239,001,000	319,676,000	255,720,000	239,254,000	216,272,000	232,200,000	223,210,000	198,141,000	142,483,000	177,731,000	171,548,000	147,608,000	129,753,000	191,464,000	193,978,000	161,470,000	142,987,000	172,967,000	163,221,000	149,027,000	116,408,000	161,245,000	168,716,000	155,246,000	135,758,000	180,074,000	161,194,000	131,996,000	118,918,000	153,450,000	130,398,000	117,916,000	152,114,000	182,468,000	191,926,000	169,812,000	148,199,000	186,380,000	181,210,000	166,060,000	145,112,000	145,458,000	148,927,000	117,837,000	103,549,000	107,896,000	119,659,000	110,255,000	80,107,000	81,429,000
other liabilities	509,214,000	538,023,000	507,780,000	511,195,000	437,630,000	413,069,000	470,441,000	492,845,000	425,645,000	466,618,000	310,390,000	363,133,000	343,953,000	262,956,000	204,071,000	188,662,000	184,679,000	171,764,000	161,465,000	154,537,000	190,117,000	227,865,000	162,154,000	125,473,000	168,720,000	142,662,000	122,563,000	62,067,000	79,136,000	51,122,000	39,198,000	35,603,000	51,470,000	61,891,000	60,620,000	42,858,000	63,507,000	54,734,000	48,206,000	37,413,000	35,699,000	46,998,000	29,021,000	26,327,000	35,172,000	42,024,000	39,392,000	23,191,000	15,831,000	16,523,000	44,189,000	18,869,000	17,133,000	15,176,000	14,166,000	24,619,000	13,329,000	20,553,000	36,531,000	41,427,000	30,053,000	16,749,000	13,165,000	22,841,000	12,650,000	23,363,000	28,795,000	15,945,000
total liabilities	65,400,522,000	64,437,231,000	64,474,388,000	62,598,879,000	46,943,123,000	43,960,939,000	41,242,067,000	42,190,559,000	40,911,255,000	38,658,023,000	37,792,531,000	35,845,368,000	35,057,517,000	34,864,953,000	37,857,337,000	39,548,060,000	34,441,445,000	33,528,771,000	31,711,150,000	30,110,556,000	27,396,792,000	26,976,213,000	23,581,445,000	23,954,915,000	21,579,226,000	21,538,486,000	21,205,917,000	21,122,649,000	19,258,896,000	18,329,658,000	18,820,518,000	19,590,052,000	18,177,960,000	18,282,480,000	18,565,259,000	18,720,148,000	17,701,518,000	17,731,344,000	17,354,954,000	17,200,551,000	16,697,108,000	16,561,671,000	15,047,747,000	15,857,202,000	14,668,679,000	13,961,348,000	14,403,632,000	15,405,787,000	14,720,578,000	14,026,745,000	14,419,912,000	13,647,851,000	11,991,670,000	11,930,664,000	12,428,486,000	12,350,266,000	10,968,785,000	11,637,620,000	12,273,331,000	11,344,072,000	10,249,861,000	9,993,782,000	9,694,605,000	10,647,804,000	9,221,868,000	8,963,142,000	9,261,874,000	10,001,785,000
shareholders’ equity
series b fixed-rate reset non-cumulative perpetual preferred stock, 0.01 par value...	294,066,000	294,066,000	294,062,000
common stock	78,666,000	78,666,000	78,666,000	78,666,000	55,057,000	55,057,000	55,057,000	55,057,000	55,057,000	55,057,000	55,057,000	55,057,000	55,057,000	55,057,000	55,057,000	55,057,000	55,057,000	55,057,000	55,057,000	55,057,000	55,057,000	55,057,000	55,057,000	55,057,000	55,057,000	55,057,000	55,057,000	55,057,000	55,057,000	55,057,000	55,057,000	55,057,000	55,057,000	55,057,000	55,057,000	55,057,000	55,057,000	55,057,000	55,057,000	55,057,000	55,057,000	55,057,000	55,057,000	55,057,000	55,057,000	55,057,000	55,057,000	55,057,000	55,057,000	55,057,000	55,057,000	55,057,000	55,057,000	55,057,000	55,057,000	55,057,000	55,057,000	55,057,000	55,057,000	55,057,000	55,057,000	55,057,000	55,057,000	55,057,000	55,057,000	55,057,000	55,057,000	55,057,000
capital surplus	4,011,047,000	4,001,834,000	4,000,973,000	3,993,662,000	1,145,638,000	1,138,350,000	1,132,301,000	1,127,806,000	1,134,363,000	1,128,239,000	1,120,877,000	1,125,949,000	1,120,489,000	1,115,504,000	1,109,585,000	1,110,520,000	1,102,818,000	1,098,139,000	1,093,667,000	1,090,450,000	1,085,375,000	1,081,713,000	1,073,089,000	1,073,764,000	1,069,510,000	1,065,301,000	1,060,630,000	1,054,601,000	1,054,801,000	1,050,660,000	1,046,673,000	1,046,095,000	1,042,022,000	1,037,898,000	1,033,225,000	1,033,419,000	1,028,869,000	1,023,195,000	1,017,420,000	1,019,889,000	1,015,383,000	1,009,965,000	892,658,000	894,602,000	891,353,000	887,086,000	883,195,000	882,407,000	862,153,000	736,456,000	732,209,000	732,069,000	730,274,000	726,708,000	722,977,000	723,299,000	721,511,000	719,990,000	718,158,000	718,306,000	716,278,000	715,038,000	713,062,000	712,774,000	711,373,000	709,839,000	708,044,000	707,812,000
retained earnings	3,736,413,000	3,559,717,000	3,409,706,000	3,224,866,000	3,174,948,000	3,074,617,000	2,984,152,000	2,903,106,000	2,810,824,000	2,759,415,000	2,609,928,000	2,536,086,000	2,454,422,000	2,384,454,000	2,265,129,000	2,176,998,000	2,116,568,000	2,040,134,000	1,968,318,000	1,891,246,000	1,750,389,000	1,692,289,000	1,646,751,000	1,672,438,000	1,621,198,000	1,573,586,000	1,531,396,000	1,488,421,000	1,477,732,000	1,434,342,000	1,393,485,000	1,338,110,000	1,239,865,000	1,204,436,000	1,174,587,000	1,142,887,000	1,112,613,000	1,083,280,000	1,058,131,000	1,033,990,000	1,016,206,000	1,005,563,000	986,923,000	963,911,000	947,664,000	922,268,000	897,826,000	884,630,000	860,138,000	834,445,000	813,245,000	787,015,000	774,641,000	756,835,000	735,978,000	697,923,000	682,942,000	664,805,000	646,383,000	623,415,000	612,265,000	596,973,000	581,443,000	562,748,000	546,370,000	529,448,000	517,486,000	502,073,000
accumulated other comprehensive loss	-261,520,000	-324,842,000	-442,047,000	-492,698,000	-573,050,000	-395,856,000	-605,634,000	-594,538,000	-556,935,000	-792,371,000	-626,776,000																-17,639,000	-95,782,000	-155,641,000	-128,959,000	-117,391,000	-45,525,000	-22,668,000	-23,625,000	-44,159,000	-57,542,000						-2,141,000	26,810,000				-13,297,000
treasury stock	-165,104,000	-165,491,000	-166,300,000	-166,767,000	-336,052,000	-336,679,000	-338,529,000	-338,615,000	-342,890,000	-343,681,000	-344,427,000	-347,264,000	-347,163,000	-347,324,000	-338,238,000	-323,465,000	-325,910,000	-326,193,000	-328,000,000	-338,145,000	-335,744,000	-335,926,000	-330,846,000	-277,999,000	-277,920,000	-278,771,000	-278,601,000	-273,827,000	-228,485,000	-209,288,000	-210,438,000	-212,206,000	-212,733,000	-202,647,000	-207,832,000	-211,437,000	-214,423,000	-214,095,000	-215,117,000	-211,524,000	-212,319,000	-211,388,000	-279,072,000	-280,818,000	-280,552,000	-279,970,000	-280,583,000	-283,389,000	-298,015,000	-377,259,000	-378,525,000	-380,384,000	-367,210,000	-367,846,000	-365,209,000	-366,246,000	-366,497,000	-362,007,000	-360,420,000	-361,383,000	-360,819,000	-358,948,000	-356,742,000	-355,482,000	-355,496,000	-346,598,000	-342,078,000	-331,236,000
total shareholders' equity	7,693,568,000	7,443,950,000	7,285,765,000	6,748,434,000	3,466,541,000	3,535,489,000	3,227,347,000	3,152,816,000	3,100,419,000	2,806,659,000	2,814,659,000	2,667,093,000	2,523,545,000	2,642,888,000	2,748,405,000	3,145,424,000	3,112,840,000	3,090,244,000	2,958,239,000	3,016,948,000	2,854,180,000	2,777,395,000	2,663,441,000	2,606,440,000	2,563,866,000	2,477,790,000	2,350,843,000	2,228,470,000	2,203,464,000	2,201,812,000	2,167,386,000	2,181,531,000	2,101,543,000
total liabilities and shareholders' equity	73,094,090,000	71,881,181,000	71,760,153,000	69,347,313,000	50,409,664,000	47,496,428,000	44,469,414,000	45,343,375,000	44,011,674,000	41,464,682,000	40,607,190,000	38,512,461,000	37,581,062,000	37,507,841,000	40,605,742,000	42,693,484,000	37,554,285,000	36,619,015,000	34,669,389,000	33,127,504,000	30,250,972,000	29,753,608,000	26,244,886,000	26,561,355,000	24,143,092,000	24,016,276,000	23,556,760,000	23,351,119,000	21,462,360,000	20,531,470,000	20,987,904,000	21,771,583,000	20,279,503,000
held to maturity, net of allowance for credit losses of 1,845 and 2,645, respectively		5,652,387,000
shareholders' equity
held to maturity, net of allowance for credit losses of 4,275 and 2,645, respectively			5,495,182,000
series a fixed-rate reset non-cumulative perpetual preferred stock, 0.01 par value...			110,705,000	110,705,000
held to maturity, net of allowance for credit losses of 4,566 and 2,645, respectively				5,712,764,000
held to maturity, net of allowance for credit losses of 2,645 and 3,258, respectively					5,376,267,000
short-term debt						1,050,000,000	1,300,000,000	1,800,000,000	1,800,000,000	2,300,000,000	2,800,000,000										15,000,000	15,000,000	15,000,000															5,003,000	5,006,000	5,009,000	5,000,000							107,000	211,000	514,000	415,000			10,000,000	10,000,000	12,000,000	30,689,000	23,724,000	23,862,000	35,220,000	27,847,000	28,622,000	21,874,000	29,514,000	20,336,000	35,996,000	27,161,000	15,807,000
held to maturity, net of allowance for credit losses of 2,762 and 3,258, respectively						5,474,710,000
held to maturity, net of allowance for credit losses of 2,956 and 3,258, respectively							5,546,634,000
held to maturity, net of allowance for credit losses of 3,820 and 3,258, respectively								5,622,617,000
held to maturity, net of allowance for credit losses of 3,258 and 2,407, respectively									5,688,610,000
held to maturity, net of allowance for credit losses of 2,886 and 2,407, respectively										5,729,697,000
held to maturity, net of allowance for credit losses of 2,341 and 2,407, respectively											5,859,323,000
held to maturity, net of allowance for credit losses of 2,407 and 1,940, respectively												5,859,192,000
accumulated other comprehensive income												-702,735,000	-759,260,000	-564,803,000	-343,128,000	126,314,000	164,307,000	223,107,000	169,197,000	318,340,000	299,103,000	284,262,000	219,390,000	83,180,000	96,021,000	62,617,000											42,512,000	55,295,000	32,468,000	-3,718,000	26,530,000			11,006,000	1,827,000	16,901,000		-32,640,000	-15,678,000	-22,227,000	63,572,000	85,588,000	101,413,000	81,244,000	63,868,000	81,099,000	77,286,000	55,111,000	19,811,000	25,465,000	67,399,000	60,378,000	36,631,000	40,454,000	56,324,000	44,238,000	46,475,000	41,105,000
held to maturity, net of allowance for credit losses of 2,519 and 1,940, respectively													5,835,187,000
held to maturity, net of allowance for credit losses of 2,259 and 1,940, respectively														5,707,282,000
held to maturity, net of allowance for credit losses of 2,045 and 1,940, respectively															4,600,187,000
held to maturity, net of allowance for credit losses of 1,940 and 2,610, respectively																1,478,476,000
held to maturity, net of allowance for credit losses of 2,116 and 2,610, respectively																	1,087,308,000
held to maturity, net of allowance for credit losses of 2,836 and 2,610, respectively																		1,081,173,000
held to maturity, net of allowance for credit losses of 2,959 and 2,610, respectively																			1,039,711,000
held to maturity, net of allowance for credit losses of 2,610 and 0, respectively																				1,012,004,000
held to maturity, net of allowance for credit losses of 2,806 and 0, respectively																					1,067,501,000
held to maturity, net of allowance for credit losses of 3,305 and 0, respectively																						1,111,625,000
held to maturity, net of allowance for credit losses of 3,235 and 0, respectively																							1,110,925,000
allowance for loan losses																								-101,788,000	-107,406,000	-102,092,000	-103,661,000	-103,635,000	-101,302,000	-98,298,000	-100,302,000	-100,604,000	-98,389,000	-97,797,000	-93,323,000	-91,649,000	-90,404,000	-84,666,000	-80,398,000	-81,143,000	-78,030,000	-77,721,000	-77,479,000	-76,140,000	-77,316,000	-76,802,000	-75,514,000	-74,751,000	-74,938,000	-71,647,000	-69,881,000	-71,426,000	-71,368,000	-72,652,000	-73,486,000	-72,017,000	-72,876,000	-72,442,000	-72,718,000	-73,952,000	-72,719,000	-70,110,000	-67,442,000	-64,139,000	-58,812,000	-55,109,000	-54,005,000	-52,297,000
held to maturity																								1,116,102,000	1,102,005,000	1,112,773,000	1,147,947,000	1,170,646,000	1,199,114,000	1,204,582,000	1,246,466,000	1,261,014,000	1,276,252,000	1,279,524,000	1,206,639,000	1,115,932,000	1,009,117,000	880,600,000	804,652,000	667,106,000	588,478,000	446,881,000	346,885,000	278,054,000	237,961,000	238,799,000	219,724,000	209,770,000	175,993,000	160,328,000	129,498,000	114,756,000	98,479,000	96,250,000	96,882,000	89,246,000	88,376,000	69,393,000	68,161,000	63,566,000	59,910,000	57,075,000	55,968,000	56,986,000	46,881,000	48,757,000	49,240,000	49,350,000
total investment securities																								8,717,502,000		8,459,807,000	8,171,198,000	7,848,149,000	7,278,266,000	7,349,904,000	7,518,609,000	7,639,543,000	7,249,415,000	7,632,437,000	7,901,636,000	7,690,108,000	7,429,719,000	7,774,390,000	7,779,334,000	7,568,870,000	7,352,293,000	7,486,412,000	7,230,466,000	7,285,667,000	7,100,746,000	7,033,433,000	7,052,261,000	7,051,127,000	6,960,462,000	7,178,637,000	7,069,797,000	7,134,316,000	6,651,048,000	6,504,523,000	6,387,916,000	6,277,482,000	5,940,165,000	5,645,483,000	5,749,311,000	5,742,104,000	5,181,441,000	5,052,514,000	4,853,763,000	5,003,720,000	4,502,596,000	3,935,132,000	4,178,948,000	4,924,407,000
discontinued assets
loans:																																	10,997,028,000	10,848,578,000	10,757,236,000		10,293,494,000	10,083,266,000	9,699,631,000		9,046,126,000	8,916,128,000	7,498,308,000		7,103,163,000	6,920,683,000	6,759,089,000		6,506,902,000	6,338,921,000	6,010,681,000		5,389,763,000	5,315,609,000	5,144,766,000		4,776,071,000	4,731,303,000	4,667,862,000		4,583,562,000	4,448,418,000	4,301,965,000		4,314,977,000	4,331,887,000	4,306,769,000
investment securities:
discontinued assets – goodwill and other intangibles																																	53,743,000	53,743,000
total shareholders’ equity																																		2,071,119,000	2,010,878,000	1,962,384,000	2,024,628,000	2,002,732,000	1,947,959,000	1,893,694,000	1,900,857,000	1,857,056,000	1,682,376,000	1,643,758,000	1,615,349,000	1,601,342,000	1,542,198,000	1,506,065,000	1,463,655,000	1,226,472,000	1,285,558,000	1,279,345,000	1,294,175,000	1,251,998,000	1,212,671,000	1,191,132,000	1,170,299,000	1,132,956,000	1,078,989,000	1,060,860,000	1,090,180,000	1,068,498,000	1,029,451,000	1,015,551,000	1,013,628,000	991,984,000	984,984,000	974,811,000
total liabilities and shareholders’ equity																																		20,353,599,000	20,576,137,000	20,682,532,000	19,726,146,000	19,734,076,000	19,302,913,000	19,094,245,000	18,597,965,000	18,418,727,000	16,730,123,000	17,500,960,000	16,284,028,000	15,562,690,000	15,945,830,000	16,911,852,000	16,184,233,000	15,253,217,000	15,705,470,000	14,927,196,000	13,285,845,000	13,182,662,000	13,641,157,000	13,541,398,000	12,139,084,000	12,770,576,000	13,352,320,000	12,404,932,000	11,340,041,000	11,062,280,000	10,724,056,000	11,663,355,000	10,235,496,000	9,955,126,000	10,246,858,000	10,976,596,000
time deposits under 100,000																																									465,629,000	479,820,000	416,497,000	424,925,000	434,863,000	442,361,000	458,484,000	491,792,000	593,275,000	509,412,000	525,174,000	540,269,000	562,357,000	575,714,000	590,214,000	615,475,000	635,055,000	652,792,000	673,775,000	693,600,000	710,991,000	716,839,000	738,260,000	772,040,000	781,196,000	784,535,000	763,723,000	789,375,000
time deposits of 100,000 or more																																									790,164,000	825,995,000	453,012,000	838,664,000	526,229,000	577,622,000	756,236,000	957,850,000	571,322,000	531,307,000	541,464,000	742,065,000	564,074,000	615,692,000	683,583,000	932,939,000	708,336,000	746,376,000	776,828,000	1,000,462,000	833,708,000	790,373,000	861,230,000	1,082,958,000	856,707,000	819,795,000	694,479,000	672,332,000
trading																																												27,203,000	31,790,000	26,484,000		28,464,000	54,994,000	47,996,000		55,764,000	39,919,000	56,844,000		58,142,000	71,077,000	43,280,000		42,480,000	40,520,000	47,779,000			46,487,000	38,023,000	36,510,000
federal reserve bank stock and other																																												68,474,000	71,192,000	67,527,000	54,551,000	50,482,000	31,478,000	25,955,000	26,127,000	26,333,000	25,526,000	21,705,000	21,882,000	22,212,000	22,789,000	22,511,000	22,772,000	23,011,000	22,344,000	21,838,000	22,432,000	22,732,000	23,609,000	21,962,000	21,614,000	21,505,000
bank premises and equipment																																													257,341,000	250,655,000	247,770,000	249,689,000	247,827,000	246,300,000	244,678,000	244,600,000	239,234,000	234,754,000	227,910,000	227,936,000	225,593,000	220,499,000	219,438,000	219,727,000	215,627,000	213,648,000	213,330,000	217,642,000	217,491,000	220,280,000	221,622,000	226,790,000

Cashflow Statements:

Quarterly

Annual

Unit: USD	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	2023-03-31	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

operating activities
net income	215,355,000	188,316,000	217,394,000	81,333,000	119,997,000	109,643,000	101,345,000	110,258,000	70,923,000	92,437,000	100,173,000	87,990,000	137,556,000	105,963,000	78,496,000	94,467,000	87,412,000	92,643,000	156,320,000	73,092,000	60,529,000	-3,439,000	66,515,000	62,382,000	56,959,000	57,744,000	25,454,000	57,849,000	55,424,000	56,786,000	111,961,000	48,142,000	42,821,000	44,181,000	42,934,000	42,325,000	37,297,000	36,245,000	29,643,000	22,451,000	30,214,000	33,765,000	26,940,000	35,630,000	34,672,000	23,413,000	34,663,000	34,432,000	29,929,000	34,941,000	21,060,000	26,125,000	29,165,000	46,367,000	23,266,000	26,015,000	26,321,000	30,870,000	19,032,000	22,772,000	23,013,000	26,185,000	23,858,000	23,998,000	19,027,000	22,601,000
adjustments to reconcile net income to cash from operating activities:
equity in earnings of subsidiaries
dividends received from subsidiaries
depreciation and amortization	-104,268,000	37,012,000	37,995,000	29,366,000	12,714,000	12,947,000	13,293,000	13,817,000	14,147,000	15,388,000	14,271,000	13,557,000	13,042,000	13,152,000	14,011,000	14,022,000	13,672,000	14,042,000	16,355,000	15,394,000	15,463,000	15,591,000	14,870,000	14,072,000	13,702,000	13,614,000	13,335,000	13,237,000	13,173,000	13,371,000	13,337,000	13,003,000	14,160,000	14,375,000	13,607,000	13,544,000	13,700,000	13,705,000	14,253,000	14,471,000	12,235,000	11,792,000	11,940,000	11,761,000	11,310,000	11,344,000	11,223,000	10,994,000	11,035,000	10,969,000	10,271,000	10,071,000	10,295,000	10,210,000	10,211,000	10,319,000	11,196,000	11,205,000	10,530,000	10,167,000	9,509,000	9,170,000	10,164,000	9,226,000	9,156,000	9,561,000
amortization of debt issuance costs	107,000	200,000	219,000	219,000	219,000	219,000	219,000	219,000	219,000	218,000	218,000	113,000	112,000	113,000	112,000	113,000	112,000	113,000	112,000
equity based compensation																																		3,332,000			2,854,000	2,776,000	1,262,000	3,250,000	3,170,000	3,069,000	1,947,000	2,981,000	2,521,000	2,212,000	1,617,000	2,223,000	2,183,000	1,913,000	1,492,000	1,860,000	1,853,000	1,712,000	1,546,000	1,702,000	1,709,000	1,553,000	1,555,000	1,516,000	1,472,000	1,410,000	1,365,000	1,377,000	1,369,000	1,202,000
changes in other assets and liabilities
net cash from operating activities	-742,958,000	272,209,000	285,386,000	363,021,000	-66,871,000	123,647,000	112,366,000	56,144,000	84,979,000	1,696,000	144,445,000	219,300,000	209,757,000	196,052,000	171,720,000	185,105,000	61,317,000	115,940,000	157,965,000	113,948,000	92,327,000	9,358,000	150,915,000	56,545,000	87,760,000	46,205,000	73,011,000	125,271,000	79,196,000	19,619,000	82,236,000	125,043,000	102,579,000	16,668,000	126,673,000	87,535,000	54,486,000	27,746,000	38,238,000	66,988,000	83,426,000	22,309,000	62,156,000	91,045,000	108,522,000	-17,944,000	102,084,000	71,192,000	86,577,000	35,345,000	46,685,000	81,948,000	84,960,000	10,151,000	80,161,000	14,151,000	47,082,000	71,649,000	41,093,000	46,076,000	46,880,000	45,945,000	19,579,000	56,030,000	34,092,000	36,989,000
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
free cash flows	-742,958,000	272,209,000	285,386,000	363,021,000	-66,871,000	123,647,000	112,366,000	56,144,000	84,979,000	1,696,000	144,445,000	219,300,000	209,757,000	196,052,000	171,720,000	185,105,000	61,317,000	115,940,000	157,965,000	113,948,000	92,327,000	9,358,000	150,915,000	56,545,000	87,760,000	46,205,000	73,011,000	125,271,000	79,196,000	19,619,000	82,236,000	125,043,000	102,579,000	16,668,000	126,673,000	87,535,000	54,486,000	27,746,000	38,238,000	66,988,000	83,426,000	22,309,000	62,156,000	91,045,000	108,522,000	-17,944,000	102,084,000	71,192,000	86,577,000	35,345,000	46,685,000	81,948,000	84,960,000	10,151,000	80,161,000	14,151,000	47,082,000	71,649,000	41,093,000	46,076,000	46,880,000	45,945,000	19,579,000	56,030,000	34,092,000	36,989,000
investing activities
net capital investment in subsidiaries
net cash activity from acquisitions and divestitures	-84,000	-4,849,000	0	174,985,000	0	-340,000	2,083,000	-110,789,000	0		290,857,000	0	-7,872,000	265,639,000	0	0	1,808,000	16,623,000		0	0	24,000	-12,273,000				-11,271,000	-510,000	0	2,874,000
net increase in investment securities
net cash from investing activities	3,420,803,000	-2,142,947,000	-1,997,880,000	663,204,000	-1,718,457,000	-588,300,000	-1,114,137,000	158,393,000	-689,089,000	-41,776,000	-936,958,000	-388,917,000	-1,705,075,000	-814,435,000	-2,172,588,000	-395,171,000	-581,141,000	-1,086,590,000	-1,347,192,000	-670,012,000	-2,705,006,000	231,123,000	-1,670,010,000	-514,968,000	-544,920,000	-270,531,000	-1,210,273,000	-457,246,000	-3,019,000	-79,755,000	-332,049,000	-89,508,000	171,412,000	-228,433,000	-794,391,000	61,199,000	-356,873,000	-412,378,000	-757,934,000	-171,052,000	-427,102,000	25,851,000	-663,985,000	-330,257,000	-150,243,000	-286,494,000	-110,176,000	-6,196,000	-667,244,000	-237,232,000	-839,835,000	-208,281,000	-241,160,000	-252,255,000	-548,971,000	-331,177,000	8,859,000	148,917,000	-886,234,000	-205,345,000	-301,659,000	414,021,000	-737,325,000	-632,342,000	1,440,000	1,004,575,000
financing activities
cash dividends paid	-40,614,000	-32,502,000	-32,387,000	-30,117,000	-19,525,000	-19,060,000	-19,530,000	-19,012,000	-18,933,000	-18,432,000	-18,364,000	-17,876,000	-17,873,000	-17,917,000	-17,934,000	-17,881,000	-15,479,000	-15,456,000	-15,356,000	-14,885,000	-14,890,000	-15,150,000	-15,217,000	-14,722,000	-14,720,000	-14,777,000	-14,750,000	-14,467,000	-14,531,000	-14,531,000	-13,705,000	-12,715,000	-12,746,000	-12,710,000	-12,653,000	-12,142,000	-12,161,000	-12,082,000	-11,863,000	-11,809,000	-11,579,000	-10,716,000	-10,685,000	-10,246,000	-10,232,000	-10,201,000	-10,166,000	-8,747,000	-8,729,000	-8,526,000	-8,841,000	-8,320,000	-8,324,000	-8,302,000	-8,273,000	-7,874,000	-7,903,000	-7,751,000	-7,882,000	-7,485,000	-7,484,000	-7,477,000	-7,470,000	-7,078,000	-7,066,000	-7,178,000
repayment from long-term debt
common stock issuance	0	0	0	235,141,000																																											30,253,000
payment of common stock issuance costs	0	0	0	-524,000	-64,000	-32,000
proceeds from exercise of stock options and sales of treasury stock
purchases of treasury stock	-79,000	-1,825,000	-290,000	-15,434,000	0	-201,000	0	-7,537,000	-271,000	-7,902,000	-191,000	0	-9,319,000	-22,487,000	-1,237,000	-181,000	-61,000	-4,027,000	-4,201,000	-106,000	-73,000	-59,386,000	-161,000	-221,000	-28,000	-4,086,000	-50,090,000	-20,206,000	-260,000	-5,951,000	-907,000	-10,090,000	-251,000	-4,028,000	-2,178,000	-608,000	-701,000	-12,880,000	-2,284,000	-794,000	-70,000	-5,309,000	-1,883,000	-693,000	-298,000	-2,867,000	-950,000	-801,000	-94,000	-1,656,000	-14,357,000	-778,000	-2,618,000	-2,666,000	-707,000	-5,053,000	-2,009,000	-1,373,000	-1,325,000	-2,343,000	-2,250,000	-2,961,000	-563,000	-9,033,000	-4,855,000	-12,443,000
preferred stock issuance	0	4,000
preferred stock redemption	0
net cash from by financing activities
net increase in cash
cash and cash equivalents at beginning of period	-8,325,600,000	0	0	8,448,691,000		0	0	5,528,258,000		1,557,874,000		0	0	9,214,564,000		0	0	3,497,566,000		0	0	1,669,170,000		0	0	1,674,121,000		0	0	1,716,262,000		0	0	1,063,967,000		0	0	819,112,000		0	0	1,787,230,000				2,582,428,000				1,366,394,000				1,459,631,000				1,033,617,000
cash and cash equivalents at end of period	-8,535,738,000	-2,154,479,000	385,823,000	10,610,066,000		2,260,626,000	-1,926,970,000	6,943,108,000		3,523,304,000		-105,969,000	-4,570,171,000	6,686,658,000		676,513,000	1,258,074,000	4,193,532,000		-129,360,000	729,344,000	1,419,254,000		-482,662,000	-214,538,000	1,490,158,000		512,270,000	-457,031,000	929,454,000		-113,334,000	-35,080,000	696,630,000		84,745,000	26,731,000	599,118,000		18,944,000	-23,016,000	1,034,872,000				1,278,903,000				1,927,814,000				1,327,186,000				2,179,956,000
adjustments to reconcile net income to net cash from operating activities:
provision for credit losses						18,000,000
net amortization of premiums and discounts from acquisition		-33,536,000	-33,769,000	-26,435,000	1,116,000	1,096,000	1,085,000	276,000	260,000	267,000	283,000	321,000	357,000	379,000	145,000					229,000	99,000	-275,000				135,000
deferred income tax expense		1,447,000	7,062,000	16,710,000													-9,421,000	10,246,000								295,000					58,183,000				1,845,000	-1,754,000															2,266,000	533,000
net increase in trading securities and other earning assets				-6,928,000	7,306,000	-6,858,000	11,206,000	-22,094,000	6,416,000	-1,843,000					37,007,000	-28,330,000	-9,656,000	-9,350,000		3,011,000	9,196,000	-17,789,000		-2,646,000			19,694,000	-14,841,000	-1,114,000	-13,628,000				-35,278,000								-1,335,000				-17,121,000				-16,824,000				-10,554,000				-11,580,000
gains on investment securities		4,093,000									409,000	1,345,000			-1,448,000	3,510,000
losses on sales of assets																										-236,000
amortization of securities premiums, net of discount accretion		-3,894,000	-3,298,000	5,126,000	23,657,000	7,014,000	7,227,000	6,425,000	9,521,000	10,662,000	10,567,000	11,653,000	11,784,000	11,180,000	11,453,000	12,641,000	14,497,000	14,876,000	12,245,000	12,067,000	11,195,000	8,795,000	9,290,000	8,349,000	8,462,000	8,859,000	9,867,000	11,259,000	11,007,000	11,640,000	11,530,000	12,432,000	12,058,000	12,081,000	11,000,000	14,387,000	14,527,000	14,553,000	16,330,000	14,506,000	12,918,000	13,547,000	12,943,000	12,710,000	12,613,000	13,276,000	12,909,000	13,295,000	13,611,000	13,433,000	13,158,000	12,411,000	12,237,000	12,629,000	12,817,000	11,470,000	10,492,000	10,130,000	9,349,000	8,155,000	7,285,000	7,299,000	7,443,000	7,410,000	6,896,000	3,963,000
originations of loans held for sale		-30,232,000	-25,206,000	-18,279,000	-27,110,000	-23,157,000	-18,883,000	-17,979,000	-19,373,000	-12,901,000	-13,299,000	-13,209,000	-12,801,000	-8,330,000	-24,889,000	-28,486,000	-38,834,000	-45,128,000	-53,709,000	224,318,000	-221,603,000	-77,129,000	-93,855,000	-67,622,000	-35,701,000	-19,156,000	-18,851,000	-15,334,000	-12,982,000	-12,520,000	-11,956,000	-20,398,000	-21,991,000	-10,818,000	-20,712,000	-28,581,000	-28,800,000	-14,345,000	-17,393,000	-19,509,000	-33,836,000	-25,586,000	-20,171,000	-19,085,000	-20,797,000	-11,545,000	-16,483,000	-24,602,000	-37,790,000	-39,543,000	-58,504,000	-71,835,000	-56,101,000	-51,557,000	-57,974,000	-52,015,000	-38,310,000	-55,800,000	-86,358,000	-51,311,000	-53,719,000	-26,577,000	-45,902,000	-51,195,000	-84,416,000	-67,157,000
gains on sales of loans held for sale		-844,000	-712,000	-453,000	-763,000	-574,000	-527,000	-415,000	-475,000	-235,000	-285,000	-301,000	-339,000	-270,000	-834,000	-1,052,000	-1,640,000	-1,602,000	-2,044,000	-1,110,000	-490,000	-320,000	-450,000	-484,000	-259,000	-177,000	-217,000	-416,000	-280,000	-270,000	-373,000
proceeds from sales of loans held for sale		33,644,000	25,279,000	16,389,000	30,293,000	22,766,000	19,614,000	18,399,000	18,252,000	13,692,000	14,476,000	11,390,000	12,774,000	9,493,000	29,091,000	30,196,000	45,446,000	43,163,000	60,023,000	-225,973,000	223,465,000	75,667,000	97,527,000	59,852,000	34,456,000	21,258,000	18,098,000	17,010,000	14,366,000	9,664,000	15,394,000	19,759,000	20,928,000	14,462,000	27,806,000	27,606,000	23,807,000	10,303,000	18,017,000	21,619,000	34,643,000	23,411,000	21,588,000	20,842,000	19,055,000	11,983,000	18,437,000	28,436,000	37,626,000	37,326,000	69,010,000	69,570,000	55,851,000	51,914,000	59,780,000	47,122,000	38,746,000	64,248,000	83,931,000	50,896,000	61,062,000	26,564,000	48,107,000	70,224,000	81,656,000	54,633,000
equity-based compensation		7,723,000	7,879,000	12,830,000		4,846,000	5,769,000	4,974,000		5,235,000		4,839,000	5,738,000	6,164,000		4,792,000	4,152,000	5,152,000		3,740,000	3,292,000	3,410,000		3,924,000	3,717,000	3,893,000		3,269,000	2,930,000	2,765,000		3,332,000
changes in:
accrued income		-4,255,000	-19,287,000	12,271,000	-27,444,000	19,223,000	-16,660,000	289,000	-11,712,000	7,645,000	-35,466,000	-8,885,000	-17,731,000	3,860,000	-8,304,000	8,390,000	345,000	4,156,000	-7,318,000	-5,612,000	-15,083,000	12,629,000	-5,484,000	5,372,000	-7,389,000	-6,839,000	-6,156,000	-3,879,000	-2,501,000	1,231,000	-5,170,000	-3,954,000	-2,087,000	2,010,000	-6,029,000	-366,000	-2,648,000	125,000	-2,264,000	-2,884,000	-1,141,000	-786,000	-2,034,000	-3,458,000	1,579,000	2,832,000	-6,186,000	-213,000	-1,307,000	-761,000	350,000	1,297,000	2,547,000	2,054,000	-808,000	2,940,000	-4,379,000	2,903,000	-12,663,000	-2,180,000	-295,000	3,434,000	-145,000	-3,728,000	707,000	2,730,000
accrued expenses and taxes		64,268,000	37,526,000	-59,461,000	-18,766,000	34,445,000	-21,160,000	-14,972,000	70,577,000	-31,991,000	27,523,000	29,916,000	4,055,000	-72,489,000	9,246,000	206,000	27,009,000	-88,201,000	53,686,000	15,472,000	25,338,000	-2,803,000	10,474,000	23,174,000	56,517,000	-13,319,000	6,169,000	23,940,000	17,855,000	-61,711,000	-61,817,000	32,508,000	18,483,000	-29,980,000	9,323,000	16,691,000	28,537,000	-40,439,000	-4,649,000	13,325,000	12,435,000	-25,614,000	18,880,000	30,508,000	19,514,000	-28,557,000	32,691,000	10,966,000	29,391,000	-11,956,000	3,012,000	15,404,000	9,242,000	-19,282,000	-491,000	11,808,000	2,986,000	2,687,000	3,359,000	-7,214,000	3,461,000	640,000	-4,705,000	8,320,000	2,328,000	-1,947,000
other assets and liabilities		-3,126,000	40,182,000	209,533,000	-204,124,000	-71,988,000	-2,306,000	-38,799,000	-69,710,000	-121,537,000	17,501,000	70,313,000	94,396,000	119,007,000	20,620,000	82,902,000	-82,060,000	78,096,000	-919,000	-17,330,000	-30,834,000	-79,008,000	7,366,000	-56,473,000	-26,748,000	-36,453,000	-44,120,000	15,666,000	1,247,000	8,345,000	37,552,000	7,304,000	-14,107,000	-5,533,000	18,508,000	-5,184,000	-11,307,000	2,025,000	-19,473,000	-15,229,000	16,481,000	-3,834,000	-15,932,000	10,508,000	11,043,000	-25,719,000	2,586,000	-371,000	-24,428,000	11,790,000	-2,491,000	-4,199,000	4,963,000	-19,069,000	10,915,000	-18,195,000	-9,360,000	16,385,000	12,834,000	2,883,000	4,170,000	-5,423,000	-37,120,000	-2,507,000	-3,738,000	6,263,000
securities held to maturity:
maturities, calls and principal repayments		156,025,000	230,666,000	115,631,000	128,344,000	118,604,000	116,195,000	95,031,000	88,125,000	86,856,000	110,131,000	126,965,000	153,226,000	70,091,000	56,614,000	31,907,000	60,742,000	49,520,000
purchases		-304,333,000	-6,270,000	-9,049,000	-23,994,000	-40,029,000	-33,312,000	-23,686,000	-41,067,000	-80,097,000	-43,674,000	-95,134,000	-517,294,000	-334,546,000	-447,682,000	-37,322,000	-102,081,000	-77,576,000
securities available for sale:
sales		7,871,000	4,931,000	611,423,000	0	1,000	0	19,153,000	0	68,000					77,098,000	118,744,000	47,674,000	129,128,000
equity securities with readily determinable fair values:
equity securities without readily determinable fair values:
payment of tax equity investment commitments		-7,727,000	-12,891,000	-21,871,000
net increase in loans		-881,818,000	-850,570,000	-481,826,000	-688,025,000	-802,620,000	-565,319,000	-359,617,000	-299,483,000	-786,426,000	-1,149,805,000	-912,656,000	-1,280,805,000	-608,888,000	-709,231,000	438,439,000	-448,120,000	-398,795,000	-155,112,000	-650,031,000	-1,363,527,000	-525,091,000	-392,659,000	-145,370,000	-362,990,000	-383,799,000	-261,519,000	-335,522,000	-185,009,000	-188,349,000	-289,134,000	-158,649,000	-99,985,000	-222,959,000	-252,242,000	-216,696,000	-386,035,000	-274,053,000	-383,539,000	-130,971,000	-439,996,000	-33,928,000	-366,807,000	-186,415,000	-167,527,000	-242,279,000	-15,137,000	-171,105,000	-331,397,000	-327,354,000	-296,234,000	-77,360,000	-177,142,000	-187,607,000	-191,440,000	-49,765,000	-72,524,000	-93,503,000	-8,975,000	-140,235,000
net increase in fed funds sold and resell agreements		-27,922,000	-101,122,000	-91,069,000										-103,452,000													-420,589,000								-79,436,000	-48,608,000										-21,968,000
net decrease in interest-bearing balances due from other financial institutions						-14,172,000				51,646,000																																										27,056,000				-2,599,000
net purchases of premises and equipment		-14,398,000
proceeds from bank-owned and company-owned life insurance death benefit																			0	15,000	1,455,000	19,000	1,743,000
net increase in demand and savings deposits		41,875,000	1,365,323,000	1,533,318,000	3,374,553,000	3,204,948,000	164,860,000	1,550,733,000			402,551,000	3,779,000	-2,835,172,000	-1,207,226,000	4,097,157,000	1,280,971,000	1,753,931,000	1,441,071,000	2,123,712,000	384,198,000	3,476,746,000	-186,380,000	2,034,122,000	-52,452,000	-71,792,000	332,490,000					1,867,540,000	12,677,000	38,054,000	-610,428,000	1,137,897,000	-206,912,000	123,170,000	543,871,000	40,365,000	614,935,000			560,925,000	638,039,000	115,827,000	-1,140,073,000	294,791,000	1,187,416,000	-803,789,000	1,121,789,000	872,220,000	347,905,000	-335,752,000	852,699,000	569,865,000	-463,001,000	-407,520,000	1,587,474,000	277,563,000	143,936,000			427,204,000			-45,008,000
net decrease in time deposits		106,389,000	98,797,000	-504,295,000									-33,651,000	-264,608,000		-93,632,000	13,748,000	-211,530,000		-105,695,000	-192,862,000	-241,344,000		-38,433,000	106,807,000	-248,535,000				-293,085,000				-65,002,000	54,468,000	-63,434,000	107,502,000	-217,851,000		-49,502,000	90,445,000	-394,080,000		-58,891,000	-186,978,000	-234,922,000		123,878,000	-25,919,000	-215,696,000	149,356,000	-64,975,000	-82,391,000	-274,617,000		-55,777,000	-51,435,000	-243,459,000				-255,508,000				-3,505,000
net increase in fed funds purchased and repurchase agreements		-94,009,000	372,623,000	-72,365,000			-8,441,000	105,830,000			-92,001,000	-347,115,000	-179,252,000	-397,900,000	738,095,000	-283,049,000	23,571,000	444,321,000	386,493,000	-34,690,000			105,508,000	82,116,000	214,836,000	-24,872,000			311,543,000	93,911,000	-596,133,000	-29,533,000	-503,994,000	533,427,000	-164,186,000			-136,339,000	475,462,000	-431,835,000	55,355,000	-306,052,000	313,323,000	104,515,000
proceeds from short-term debt					0	0			0	13,281,000,000									0	0	0	15,000,000
repayment of short-term debt					-1,050,000,000	-250,000,000			-500,000,000	-10,481,000,000
repayment of long-term debt		-188,945,000	0	-11,055,000																			-1,579,000	-1,884,000	-58,000	-1,305,000	-99,000	-416,000	-240,000	-898,000	-33,000	-265,000	-288,000	-938,000	-418,000	-10,013,000	-180,000	-1,092,000	-219,000	-17,000	-9,370,000	-1,210,000	-257,000	-178,000	-70,000	-1,060,000	-75,000	-133,000	-130,000	-972,000	-253,000	-157,000	-163,000	-1,106,000	-1,312,000	-204,000	-173,000	-2,366,000	-199,000	-275,000	-13,696,000	-1,246,000	-6,900,000	-715,000	-3,686,000	-1,166,000
proceeds from exercise of stock options and sales of treasury shares		272,000	189,000	481,000	989,000	3,286,000	129,000	281,000	1,194,000	432,000	800,000	307,000	414,000	615,000	4,272,000	351,000	2,188,000	12,237,000	2,197,000	210,000	325,000	2,454,000	1,020,000	1,357,000	812,000	1,448,000	2,438,000	1,881,000	2,467,000	5,532,000	2,238,000	796,000	6,726,000	4,107,000	6,661,000	1,814,000	4,360,000	4,076,000	6,112,000	1,962,000	2,075,000	1,457,000	2,546,000	1,562,000	2,146,000	2,712,000	3,698,000	1,883,000	3,252,000	961,000	1,459,000	2,951,000	1,780,000	1,340,000	1,217,000	382,000	575,000	269,000	1,237,000	188,000	448,000	407,000	609,000	274,000	650,000	441,000
net cash from financing activities		-283,741,000	2,098,317,000	1,135,150,000	2,957,255,000	2,725,279,000	-925,199,000	1,200,313,000	2,205,139,000	2,005,510,000	339,869,000	63,648,000	-3,074,853,000	-1,909,523,000	5,087,313,000	886,579,000	1,777,898,000	1,666,616,000	2,667,555,000	426,704,000	3,342,023,000	-490,397,000				40,363,000	1,826,690,000	844,245,000	-533,208,000	-726,672,000	1,417,859,000	-148,869,000	-309,071,000	-155,572,000	1,021,091,000	-63,989,000	329,118,000	164,638,000	508,008,000	123,008,000	320,660,000	-800,518,000	1,168,839,000	675,913,000	-453,663,000	-999,087,000	650,338,000	876,014,000	-347,975,000	763,307,000	1,618,070,000	26,348,000	-529,527,000	109,659,000	1,357,241,000			925,773,000	1,078,333,000	202,053,000	272,118,000	-949,309,000	1,420,088,000	244,216,000	-334,695,000	-770,561,000
increase in cash and cash equivalents		-2,154,479,000	385,823,000	2,161,375,000	1,171,927,000	2,260,626,000	-1,926,970,000	1,414,850,000	1,601,029,000	1,965,430,000	-452,644,000	-105,969,000	-4,570,171,000	-2,527,906,000	3,086,445,000	676,513,000	1,258,074,000	695,966,000	1,478,328,000	-129,360,000																							567,010,000
supplemental disclosures:
income tax payments		32,724,000	18,670,000	1,732,000	854,000	19,829,000	54,919,000	1,328,000	11,962,000		21,899,000	25,268,000			22,972,000									1,450,000
total interest payments		400,228,000	372,911,000	326,798,000	324,821,000	293,249,000	317,850,000	268,768,000	266,490,000		104,918,000	60,325,000			9,139,000									50,433,000	55,987,000	39,524,000
noncash disclosures:
acquisition of tax equity investments		24,894,000	15,278,000	14,036,000
commitment to fund tax equity investments		24,894,000	15,278,000	14,036,000
transfer of loans to other real estate owned		410,000	414,000	486,000	0	35,000	-1,000	794,000			0	68,000
transfer of loans to other repossessed assets		0	29,000	10,000
issuance of common stock as consideration for acquisition		0
issuance of preferred stock as consideration for acquisition		0
stock based compensation as consideration for acquisition		0
benefit from credit losses			21,000,000	86,000,000				10,000,000	0	23,250,000	9,000,000	22,000,000	13,400,000	-6,500,000	8,500,000	-5,000,000	24,000,000	-7,500,000	5,000,000	16,000,000	21,500,000	88,000,000
net decrease (increase) in trading securities and other earning assets											-3,590,000	-4,744,000	7,413,000	14,816,000																								3,219,000	-247,000
losses (gains) on sales of assets			44,000	18,000																										142,000											-76,000	81,000
net decrease (increase) in interest-bearing balances due from other financial institutions			2,329,000	956,440,000					4,807,000				24,228,000	14,368,000	-3,172,000																																													81,319,000
losses (gains) on investment securities				4,782,000					-1,014,000									8,336,000
purchases of premises and equipment				-8,823,000		-5,959,000	-5,691,000	-2,376,000		-9,428,000		-17,457,000	-8,246,000	-8,643,000		-5,312,000	-9,433,000	-5,958,000		-11,402,000	-17,709,000	-17,652,000	-24,584,000	-24,902,000	-12,761,000	-10,066,000	-21,209,000	-14,579,000	-13,513,000	-8,639,000	-11,699,000	-13,425,000	-6,338,000	-4,985,000	-11,891,000	-21,424,000	-9,027,000	-8,499,000	-11,660,000	-12,621,000	-14,625,000	-14,854,000
proceeds from sales of premises and equipment				232,000		1,664,000	-2,000	2,535,000		65,000		-212,000	3,676,000	2,968,000		-162,000	1,755,000	73,000		77,000	31,000	8,389,000	1,373,000	298,000	961,000	2,904,000	4,916,000	437,000			1,387,000	1,617,000	-140,000	173,000	-404,000	541,000	943,000	680,000	922,000	30,000	88,000	29,000
issuance of common stock as consideration for htlf acquisition				2,783,510,000
issuance of preferred stock as consideration for htlf acquisition				115,230,000
stock based compensation as consideration for htlf acquisition				20,389,000
deferred income tax benefit					-9,376,000	55,000	-3,816,000	-3,037,000	-9,002,000	-3,855,000	24,000				-9,321,000														-26,943,000	-7,760,000				-322,000				-1,417,000		-3,699,000	-1,054,000	-1,523,000		-1,548,000	-1,539,000	-2,822,000				-2,591,000				-1,322,000	3,543,000	-1,282,000	-2,104,000	-354,000	-3,877,000			-3,087,000
(gains) losses on investment securities								-9,371,000
gains on sales of assets					13,000	-1,407,000	43,000	-1,846,000	-42,000	-60,000	143,000	-22,000	-830,000	-2,354,000	-61,000	753,000	940,000	-4,298,000	973,000	-3,000	155,000	-1,922,000	-127,000				-2,564,000				-102,862,000			-1,020,000	-626,000				1,000				-86,000	286,000				334,000	-1,311,000	303,000			196,000	-851,000		62,000				-26,000				0
net increase in interest-bearing balances due from other financial institutions								-8,214,000			6,948,000						-17,719,000	-11,347,000	-8,018,000																													1,496,000														-18,458,000		-102,160,000	-76,687,000	-10,391,000
purchases of bank premises and equipment																																												-15,958,000	-12,335,000	-6,926,000	-11,316,000	-9,608,000	-9,378,000	-8,011,000	-12,522,000	-11,213,000	-13,423,000	-6,880,000	-8,777,000	-11,570,000	-8,023,000	-7,187,000	-12,837,000	-9,261,000	-7,398,000	-3,096,000	-9,668,000	-5,470,000	-4,707,000	-3,581,000
proceeds from sales of bank premises and equipment																																												267,000	3,594,000	1,153,000	1,778,000	-2,000	2,000	808,000	439,000	373,000	-179,000	840,000	22,000	117,000	-75,000	118,000	2,363,000	145,000	116,000	169,000	728,000	880,000	394,000	163,000
purchases of bank-owned and company-owned life insurance															0	0			-50,000,000
net increase in time deposits					64,884,000	-19,926,000	-560,900,000	-429,982,000	-269,662,000	1,765,360,000	47,171,000																																																149,363,000	37,487,000			217,095,000	33,573,000
proceeds from long-term debt											0								0				11,837,000	0																			2,000,000	1,500,000	0	1,820,000	0				500,000				0								0
payment of debt issuance costs											-97,000								78,000
cash and cash equivalents at beginning of year
cash and cash equivalents at end of year
transfer of securities from available-for-sale to held-to-maturity											82,462,000	147,497,000
losses on investment securities						-2,623,000				5,324,000				522,000
payment of low-income housing tax credit (lihtc) investment commitments						-11,526,000	-2,165,000	-15,765,000
net decrease in fed funds sold and resell agreements						-151,772,000	-67,187,000	65,069,000	2,859,000			338,910,000				54,417,000	483,292,000	20,522,000		246,330,000	-562,893,000	793,595,000			-18,831,000	362,229,000			56,862,000	64,393,000				127,860,000				2,803,000		-7,436,000				17,397,000				12,539,000	-47,927,000	70,822,000		-10,439,000	-21,070,000	56,415,000		-42,209,000	-40,693,000	231,383,000		7,237,000	-8,459,000	308,588,000		26,146,000	-78,266,000	183,258,000
net decrease in fed funds purchased and repurchase agreements										-61,359,000												-5,591,000																									55,254,000			-127,927,000		-236,367,000	-102,139,000	-448,122,000		-165,244,000	-181,415,000	-396,990,000		31,313,000	89,570,000	-616,311,000		58,230,000	-325,793,000	-713,114,000
acquisition of low-income housing tax credit investments						21,316,000			28,633,000		29,928,000	919,000			0
commitment to fund low-income housing tax credit investments						21,316,000			28,633,000		29,928,000	919,000			0
payment on low-income housing tax credit investment commitments										-9,507,000		-8,142,000	-13,701,000	-8,395,000		-6,507,000	-4,522,000	-1,173,000		-1,756,000	-1,443,000	-4,039,000
net decrease in demand and savings deposits										-2,472,589,000																		1,230,068,000	-764,962,000	-511,650,000												-66,491,000																				-58,621,000
net decrease (increase) in fed funds sold and resell agreements										590,439,000																					52,835,000	-59,915,000										93,726,000
net tax benefit related to equity compensation plans												-60,000	-56,000	2,369,000	784,000	70,000	664,000	1,079,000	115,000	-49,000	-33,000	312,000	123,000	80,000	24,000	539,000	123,000	182,000	346,000	1,713,000					1,334,000	-511,000			212,000	68,000	79,000	585,000	373,000	305,000	134,000	1,068,000	261,000	460,000	171,000	332,000	26,000	169,000	80,000	84,000	-17,000	-1,000	-30,000	127,000	-3,000	8,000	99,000	48,000	4,000	18,000	111,000	58,000
deferred income tax (benefit) expense														-1,023,000								-11,134,000					2,274,000																				169,000	-2,489,000																		-2,532,000
net amortization (accretion) of premiums and discounts from acquisition																	134,000	117,000					80,000	-138,000
payment on low-income housing tax credit (lihtc) investment commitments
net cash activity from acquisitions and divestiture
gains on sales of securities available for sale																						-1,227,000	-755,000			-809,000	0	-211,000	-228,000	-139,000	-54,000	-2,390,000	-1,280,000	-468,000	0	-2,978,000	-2,598,000	-2,933,000	-1,998,000	-101,000	-967,000	-7,336,000	-62,000	-26,000	-2,569,000	-1,470,000	10,000	-1,140,000	-1,519,000	-5,893,000	-210,000	-259,000	-3,222,000	-16,541,000	-234,000	-2,411,000	-6,024,000	-7,456,000	-1,045,000	-752,000			-4,539,000	-3,307,000
proceeds from maturities of securities held to maturity																				52,149,000	39,513,000	19,507,000	88,931,000	60,941,000	35,368,000	22,769,000	32,880,000	15,417,000	44,950,000	21,303,000	23,516,000	31,267,000	16,130,000	16,682,000	18,782,000	7,218,000	13,867,000	8,672,000	28,365,000	4,747,000	10,951,000	15,712,000	8,466,000	9,043,000	3,261,000	4,500,000	6,824,000	17,077,000	2,136,000	7,996,000	3,429,000	2,397,000	1,767,000	2,163,000	1,661,000	2,072,000	3,525,000	1,556,000	1,310,000	2,267,000	3,371,000	2,626,000	2,999,000	2,573,000	1,121,000	1,229,000
proceeds from sales of securities available for sale																				6,542,000	166,170,000	84,439,000	80,582,000	186,664,000	91,406,000	53,329,000	0	54,253,000	-1,000	41,273,000	5,455,000	301,238,000	185,755,000	86,069,000	1,000	352,523,000	316,709,000	282,031,000	163,256,000	77,551,000	238,816,000	466,422,000	3,375,000	776,000	332,221,000	77,583,000	6,509,000	69,047,000	275,563,000	333,912,000	24,287,000	17,261,000	198,923,000	775,658,000	21,054,000	106,739,000	257,543,000	626,732,000	133,827,000	98,309,000	56,927,000	360,020,000	-2,404,393,000	2,558,300,000	44,948,000	98,000
proceeds from maturities of securities available for sale																				786,519,000	949,481,000	313,871,000	465,455,000	254,056,000	268,259,000	267,255,000	191,726,000	225,857,000	271,380,000	328,267,000	193,249,000	264,190,000	335,895,000	405,500,000	491,985,000	520,613,000	388,265,000	391,494,000	275,161,000	279,058,000	307,003,000	338,956,000	286,904,000	242,336,000	275,894,000	516,001,000	302,737,000	295,466,000	382,944,000	514,720,000	518,364,000	346,881,000	384,712,000	441,336,000	339,788,000	293,780,000	373,681,000	554,711,000	343,940,000	422,973,000	603,695,000	624,202,000	3,052,412,000	-2,051,933,000	946,637,000	1,194,813,000
purchases of securities held to maturity																				-9,253,000	-42,194,000	-18,662,000	-130,556,000	-53,286,000	-13,013,000	-1,893,000	-12,999,000	-9,852,000	-3,551,000	-6,756,000	-11,387,000	-28,020,000	-89,210,000	-108,215,000	-127,162,000	-135,491,000	-91,359,000	-146,670,000	-109,577,000	-143,421,000	-113,721,000	-84,631,000	-50,735,000	-9,743,000	-32,230,000	-16,600,000	-41,117,000	-38,746,000	-33,001,000	-22,734,000	-20,138,000	-8,655,000	-1,173,000	-9,676,000	-2,489,000	-21,506,000	-4,689,000	-6,104,000	-5,244,000	-5,021,000	-4,250,000	-1,678,000	-12,600,000	-2,697,000	-1,340,000	-1,468,000
purchases of securities available for sale																				-1,032,835,000	-1,875,714,000	-422,003,000	-627,369,000	-607,799,000	-532,439,000	-579,392,000	-726,373,000	-244,569,000	-174,841,000	-340,795,000	-477,553,000	-374,312,000	-182,610,000	-550,920,000	-856,830,000	-407,797,000	-578,872,000	-702,529,000	-630,624,000	-54,800,000	-470,051,000	-768,272,000	-448,675,000	-331,487,000	-535,043,000	-544,487,000	-343,516,000	-182,360,000	-906,667,000	-805,695,000	-1,032,829,000	-495,410,000	-691,315,000	-1,341,488,000	-714,000,000	-606,103,000	-501,710,000	-1,187,087,000	-1,102,640,000	-636,200,000	-817,115,000	-865,300,000	-1,142,962,000	-1,077,819,000	-764,770,000	-436,286,000
(gains) losses on sales of securities available for sale
net decrease (increase) in interest bearing balances due from other financial institutions																																							-6,113,000			12,691,000																28,298,000
net increase in interest bearing balances due from other financial institutions																						-1,274,000	-5,700,000	0								9,879,000				12,715,000							-34,290,000	-50,353,000	-26,301,000	-53,471,000				-1,004,000
decrease in cash and cash equivalents																						-249,916,000		-482,662,000	-214,538,000	-183,963,000		512,270,000	-457,031,000	-786,808,000		-113,334,000	-35,080,000	-367,337,000		84,745,000	26,731,000	-219,994,000		18,944,000	-23,016,000	-752,358,000
benefit from loan losses																							2,000,000	7,500,000			48,000,000	5,750,000	7,000,000	10,000,000	6,000,000	11,500,000	14,500,000	9,000,000	7,500,000	13,000,000	7,000,000	5,000,000	5,000,000	2,500,000	5,000,000	3,000,000	3,000,000	4,500,000	5,000,000	4,500,000	4,000,000	6,500,000	5,000,000	2,000,000	4,000,000	4,500,000	4,500,000	4,500,000	5,000,000	4,500,000	5,600,000	7,100,000	7,400,000	7,700,000	8,100,000	8,310,000	11,500,000	8,300,000	6,300,000	6,000,000
income taxes paid																											351,000	11,075,000	45,729,000	5,972,000			20,011,000	668,000	13,081,000	11,700,000	7,149,000	12,146,000	10,682,000	11,315,000	10,620,000	14,469,000	20,439,000	14,671,000	10,065,000	16,053,000	12,094,000	13,568,000	11,481,000	9,302,000	12,356,000	7,810,000	13,244,000	10,664,000	12,931,000	14,483,000	13,361,000	266,000	10,569,000	13,226,000	23,538,000	783,000	9,575,000	3,358,000	22,061,000	208,000
total interest paid																											39,097,000	32,165,000	24,733,000	19,168,000			13,383,000	10,250,000	7,444,000	7,356,000	6,660,000	6,539,000	5,043,000	5,409,000	3,692,000	3,668,000	3,238,000	3,293,000	3,707,000	3,720,000	3,263,000	3,856,000	4,096,000	4,608,000	4,552,000	4,835,000	5,375,000	6,213,000	6,367,000	6,525,000	7,071,000	8,185,000	8,533,000	9,706,000	8,634,000	13,255,000	12,363,000	11,355,000	13,534,000	16,269,000
net cash from (used) in financing activities																								-24,239,000
losses (gains) on sales of securities available for sale
(gains) losses on sales of assets																																					-452,000	-268,000								-550,000					-401,000							-1,000
proceeds from bank-owned life insurance death benefit																											0	0
provision for loan losses																										12,350,000
net decrease in trading securities and other earning assets																										4,507,000
net decrease in interest bearing balances due from other financial institutions																										-3,867,000			662,000	6,674,000				22,362,000				33,693,000																16,283,000
income tax (refunds) payments																										-12,000
net accretion of premiums and discounts from acquisition																											-205,000	-9,000	-174,000	-10,000	-96,000	-119,000	-853,000	-838,000	-592,000	-776,000	-331,000	-604,000	-1,472,000
net decrease in short-term debt																																			0				0	0				0	0	-107,000		-103,000	-101,000	-99,000		-10,000,000	0	-2,000,000		6,965,000	-138,000	-10,158,000
payment of contingent consideration on acquisitions																																			0	0	0	-3,031,000	-2,792,000	0	0	-18,702,000	0	0	-7,750,000	-5,975,000	0	-1,000	-11,272,000	-4,899,000	-5,111,000	-4,609,000	0	-7,651,000	0
increase in coli/boli cash surrender value																																				-2,395,000
transactions related to marquette acquisition
assets acquired																																							-9,279,000	131,000
liabilities assumed																																							-8,895,000	-124,000
net increase in trading securities																																1,529,000				-3,344,000								-7,775,000												-27,797,000				7,259,000						1,970,000
net tax benefit (expense) related to equity compensation plans
net cash activity from acquisitions and branch sales																																-578,000							-9,260,000	72,000			0
net gains on sales of loans held for sale																																	-446,000	-299,000	-493,000	-410,000	-672,000	-199,000	-200,000	-304,000	-485,000	-342,000	-323,000	-319,000	-306,000	-189,000	-278,000	-174,000	-224,000	-211,000	-484,000	-607,000	-615,000	-304,000	-459,000	-88,000	-571,000	-480,000	-731,000	-402,000	-76,000	-170,000	-318,000	-379,000	-501,000	-389,000
net tax benefit (deficiency) related to equity compensation plans																																		1,783,000
net cash activity from acquisitions
transactions related to bank acquisitions:
transactions related to bank acquisitions
net tax (deficiency) benefit related to equity compensation plans																																						-34,000
purchases of company-owned life insurance
advance payment on contingency reserve
increase in coli cash surrender value
net change in short-term debt
issuance of equity awards																																													1,000	469,000	1,000	-1,000	1,000	449,000	1,000	0	-1,000	245,000	0	1,000	0	239,000	0	0	1,000	124,000	0	0	0	132,000
net cash (paid) received for acquisitions
decrease in cash and due from banks																																																												42,784,000				-332,096,000
cash and due from banks at beginning of period																																																0				0				0				0	0	1,229,645,000		0	0	887,559,000
cash and due from banks at end of period																																																941,010,000				-99,985,000				-1,014,649,000				42,784,000	17,339,000	740,302,000		-332,096,000	-299,163,000	1,158,562,000
1.
net cash received from acquisitions																																																		-692,000				701,000
net decrease (increase) in fed funds purchased and repurchase agreements																																														390,518,000
increase in cash and due from banks																																														-1,303,525,000	642,246,000			561,420,000			-685,727,000	-132,445,000	888,431,000	-1,014,649,000	-594,107,000	1,146,339,000				-489,343,000				271,003,000
net cash received (paid) for acquisitions																																																			16,068,000	828,000
cash and due from banks at beginning of year
cash and due from banks at end of year
due from the federal reserve																																															725,837,000	751,907,000			554,485,000	-94,431,000			825,608,000	-1,051,037,000			209,799,000	21,256,000	26,134,000	420,336,000
cash and due from banks																																															-83,591,000	189,103,000			270,435,000	-5,554,000			62,823,000	36,388,000			23,393,000	21,528,000	-8,795,000	319,966,000
net decrease in trading securities																																																-6,998,000														3,356,000
net cash received for acquisitions																																																0
net increase in fed funds purchased and repurchase
agreements
net decrease (increase) in trading securities																																																				16,925,000												-8,464,000
net cash paid for acquisitions																																																							-1,000	-133,000			-44,749,000	-26,878,000	-75,141,000	-12,386,000		-2,899,000
net decrease ( increase) in interest bearing balances due from other financial institutions
net increase in short-term debt																																																												6,924,000	-2,152,000	-7,640,000		-15,660,000	8,835,000	11,354,000
net change in unsettled securities transactions
gains on sale of securities available for sale																																																														-5,382,000				-42,000
losses on sale of assets																																																														92,000
net decrease in loans																																																														19,334,000
deferred income taxes
net decrease (increase) in loans																																																															9,298,000	12,506,000	-32,268,000	76,740,000
net cash paid for acquisitions and branch sales
decrease in covered litigation provision
commercial, financial, and agricultural																																																																-52,827,000	-7,107,000	2,060,464,000
real estate construction																																																																-813,000	3,186,000	95,605,000
consumer																																																																-28,028,000	-38,448,000	517,100,000
real estate																																																																65,162,000	67,789,000	1,624,979,000
leases																																																																-404,000	-302,000	8,621,000
total loans																																																																-16,910,000	25,118,000	4,306,769,000
loans held for sale																																																																-18,650,000	3,261,000	34,799,000
total loans and loans held for sale																																																																-35,560,000	28,379,000	4,341,568,000
losses (gains) on sale of assets																																																																		1,000
losses (gains) on sales of assets and deposits
black-scholes pricing model:
weighted-average fair value of the granted options
weighted-average risk-free interest rate
expected option life in years
expected volatility
expected dividend yield

UMB Financial Corporation(NASDAQ:UMBF)

UMB Financial Corporation
(NASDAQ:UMBF)