West Bancorporation, Inc
(NASDAQ:WTBA)

West Bancorporation, Inc. operates as the financial holding company for West Bank that provides community banking and trust services to individuals and small- to medium-sized businesses in the United States. It accepts various deposit products, including checking, savings, and money market accounts,...

Website: http://www.westbankstrong.com

Full Time Employees: 171

Sector: Financial Services

Industry: Banks-Regional

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At a glance:

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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	2023-06-30	2023-03-31	2022-12-31	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	2012-12-31	2012-09-30	2012-06-30	2012-03-31	2011-12-31	2011-09-30	2011-06-30	2011-03-31	2010-06-30	2010-03-31	2009-09-30	2009-06-30	2009-03-31	2008-06-30	2008-03-31	2007-09-30	2007-06-30	2007-03-31

interest income:
loans, including fees	41,992,000	42,198,000	41,666,000	40,988,000	41,822,000	42,504,000	41,700,000	40,196,000	38,208,000	36,756,000	35,011,000	32,948,000	60,230,000	15,854,000	16,042,000	14,969,000	14,752,000	14,898,000	14,303,000	13,466,000	13,622,000	13,313,000	12,999,000	12,622,000	12,504,000	11,934,000	11,672,000	11,330,000		8,331,000	10,928,000	11,206,000	11,190,000	8,775,250	11,674,000	11,634,000	11,793,000	13,525,000	13,706,000	14,914,000	15,102,000	15,022,000	15,313,000	16,377,000	17,730,000	17,932,000	17,104,000
securities:
taxable	2,355,000	2,643,000	2,685,000	2,788,000	2,959,000	3,261,000	3,394,000	3,416,000	3,521,000	3,427,000	3,432,000	3,316,000	8,769,000	1,489,000	1,239,000	1,027,000	979,000	991,000	1,076,000	1,155,000	1,179,000	1,017,000	1,042,000	1,125,000
tax-exempt	677,000	739,000	742,000	743,000	795,000	806,000	808,000	810,000	869,000	880,000	883,000	885,000	853,000	1,081,000	815,000	778,000	784,000	780,000	819,000	883,000	838,000	789,000	756,000	764,000
deposits with banks	2,808,000	2,087,000	2,847,000
securities purchased under agreements to resell	1,370,000	1,258,000	22,000
total interest income	49,202,000	48,925,000	47,962,000	46,136,000	49,316,000	48,612,000	47,568,000	44,570,000	42,683,000	41,092,000	39,351,000	37,179,000	69,832,000	18,560,000	18,166,000	16,791,000	16,565,000	16,696,000	16,209,000	15,524,000	15,660,000	15,147,000	14,819,000	14,521,000	14,434,000	13,860,000	13,661,000	13,346,000		9,538,750	12,553,000	12,896,000	12,706,000	10,069,250	13,309,000	13,396,000	13,572,000	15,684,000	15,829,000	17,216,000	17,271,000	16,962,000	17,330,000	18,863,000	20,636,000	21,018,000	20,248,000
interest expense:
deposits	21,112,000	22,539,000	22,676,000	21,423,000	25,706,000	26,076,000	23,943,000	21,559,000	20,024,000	17,156,000	16,277,000	13,339,000	17,545,000	2,108,000	1,781,000	1,195,000	990,000	872,000	824,000	705,000	563,000	500,000	551,000	571,000	575,000	592,000	637,000	622,000
federal funds purchased and other short-term borrowings						115,000	1,950,000	2,183,000	2,024,000	3,165,000	2,264,000	2,079,000
subordinated notes	1,109,000	1,107,000	1,104,000	1,105,000	1,106,000	1,112,000	1,105,000	1,108,000	1,114,000	1,113,000	1,109,000	1,106,000	2,200,000	232,000	223,000	212,000	195,000	169,000	177,000	187,000	179,000	179,000	176,000	171,000	166,000	242,000	173,000	173,000		142,000	189,000	186,000	193,000	132,750	177,000	178,000	176,000	367,000	363,000	371,000	367,000	363,000	367,000	367,000	371,000	367,000	363,000
federal home loan bank advances	2,316,000	2,292,000	2,259,000	2,235,000	2,522,000	2,748,000	2,718,000	2,325,000	2,482,000	2,329,000	1,621,000	1,262,000	-168,000	972,000	948,000	917,000	920,000	894,000	879,000	872,000	730,000	698,000	673,000	724,000	669,000	660,000	652,000	647,000
long-term debt	459,000	486,000	504,000	518,000	560,000	601,000	622,000	645,000	678,000	695,000	739,000	698,000	1,346,000	204,000	98,000	32,000	31,000	31,000	38,000	45,000	49,000	57,000	62,000	64,000	64,000	72,000	78,000	83,000
total interest expense	24,996,000	26,424,000	26,543,000	25,281,000	29,894,000	30,652,000	30,338,000	27,820,000	26,322,000	24,458,000	22,010,000	18,484,000	22,605,000	3,529,000	3,073,000	2,402,000	2,140,000	1,975,000	1,936,000	1,825,000	1,529,000	1,441,000	1,465,000	1,558,000	1,502,000	1,571,000	1,545,000	1,538,000		1,832,250	2,296,000	2,505,000	2,528,000	2,265,500	2,984,000	2,983,000	3,095,000	5,421,000	5,695,000	6,443,000	7,076,000	7,025,000	7,095,000	8,987,000	10,983,000	11,230,000	10,937,000
net interest income	24,206,000	22,501,000	21,419,000	20,855,000	19,422,000	17,960,000	17,230,000	16,750,000	16,361,000	16,634,000	17,341,000	18,695,000	47,227,000	15,031,000	15,093,000	14,389,000	14,425,000	14,721,000	14,273,000	13,699,000	14,131,000	13,706,000	13,354,000	12,963,000	12,932,000	12,289,000	12,116,000	11,808,000		10,372,000	10,257,000	10,391,000	10,178,000	10,187,000	10,325,000	10,413,000	10,477,000	10,263,000	10,134,000	10,773,000	10,195,000	9,937,000	10,235,000	9,876,000	9,653,000	9,788,000	9,311,000
credit loss expense									500,000	200,000
net interest income after credit loss expense	24,206,000	22,501,000	21,419,000	20,855,000	18,422,000	17,960,000	17,230,000	16,750,000	15,861,000	16,434,000	17,341,000	18,695,000
noninterest income:
service charges on deposit accounts	493,000	491,000	486,000	471,000	462,000	459,000	462,000	460,000	476,000	463,000	458,000	462,000	248,000	715,000	631,000	600,000	614,000	632,000	619,000	596,000	675,000	663,000	651,000	620,000	684,000	713,000	714,000	679,000		-2,232,991	768,000	738,000	730,000	604,750	864,000	805,000	750,000	820,000	838,000	1,078,000	1,073,000	969,000	1,250,000	1,046,000	1,244,000	1,211,000	1,128,000
debit card usage fees	350,250	477,000	478,000	446,000	471,000	500,000	490,000	458,000	488,000	495,000	511,000	486,000	636,000	435,000	458,000	440,000	453,000	450,000	475,000	447,000	463,000	463,000	469,000	435,000	458,000	443,000	453,000	410,000		298,250	403,000	412,000	378,000	273,250	368,000	378,000	347,000	348,000
trust services	964,000	894,000	801,000	777,000	1,051,000	828,000	794,000	776,000	782,000	831,000	749,000	706,000	1,445,000	436,000	436,000	392,000	364,000	355,000	294,000	297,000	342,000	302,000	317,000	325,000	314,000	363,000	332,000	318,000		148,750	201,000	190,000	204,000	150,250	175,000	207,000	219,000	198,000	208,000	222,000	179,000	180,000	204,000	194,000	195,000	188,000	181,000
increase in cash value of bank-owned life insurance	317,000	308,000	295,000	282,000	287,000	287,000	278,000	274,000	275,000	262,000	250,000	257,000	480,000	167,000	163,000	154,000	155,000	160,000	164,000	168,000	177,000	183,000	178,000	189,000	197,000	198,000	182,000	154,000				191,000	199,000	166,750	223,000	223,000	221,000	226,000	218,000	199,000	181,000	182,000	257,000	192,000	226,000	219,000	216,000
other income	800,000	333,000	350,000	267,000	331,000	285,000	322,000	331,000	308,000	340,000	421,000	355,000	554,000	314,000	399,000	270,000	191,000	322,000	291,000	279,000	804,000	279,000	219,000	245,000	231,000	246,000	261,000	260,000		162,000	185,000	241,000	222,000	197,250	245,000	231,000	313,000	247,000	821,000	528,000	527,000	504,000	498,000	461,000	405,000	387,000	382,000
total noninterest income	-892,000	2,503,000	2,410,000	2,243,000	1,430,000	2,359,000	2,346,000	2,299,000	1,898,000	2,822,000	2,389,000	2,957,000	3,468,000	2,264,000	2,316,000	2,160,000	1,930,000	1,919,000	1,903,000	2,230,000	2,486,000	1,935,000	1,922,000	1,860,000	2,795,000	2,630,000	2,318,000	2,553,000		-8,284,006	2,548,000	3,346,000	2,401,000	1,755,000	2,233,000	2,116,000	2,671,000	2,919,000	2,272,000	2,351,000	3,790,000	4,427,000	4,169,000	3,836,000	4,049,000	4,035,000	3,870,000
noninterest expense:
salaries and employee benefits	7,579,000	7,457,000	7,343,000	7,004,000	7,107,000	6,823,000	7,169,000	6,489,000	6,468,000	6,696,000	7,029,000	6,867,000	12,622,000	4,430,000	4,449,000	4,337,000	4,087,000	4,154,000	4,234,000	4,256,000	4,014,000	4,056,000	4,005,000	3,990,000	4,027,000	3,961,000	3,987,000	4,111,000		2,723,250	3,686,000	3,571,000	3,636,000	2,399,500	3,373,000	3,170,000	3,055,000	2,775,000	2,592,000	2,294,000	3,308,000	3,664,000	3,634,000	3,731,000	3,354,000	3,355,000	3,616,000
occupancy and equipment	2,083,000	2,090,000	2,034,000	1,963,000	2,095,000	1,926,000	1,852,000	1,447,000	1,499,000	1,359,000	1,322,000	1,327,000
data processing	673,000	663,000	643,000	617,000	752,000	771,000	754,000	714,000	723,000	703,000	729,000	635,000	566,000	635,000	708,000	688,000	661,000	643,000	627,000	579,000	591,000	595,000	569,000	574,000	615,000	546,000	558,000	522,000		395,500	576,000	505,000	501,000	357,500	500,000	479,000	451,000	469,000	433,000	455,000	579,000	546,000	498,000	492,000	472,000	473,000	467,000
technology and software	789,000	794,000	791,000	786,000	743,000	722,000	731,000	700,000	676,000	573,000	579,000	513,000
fdic insurance	475,000	637,000	670,000	587,000	699,000	711,000	631,000	519,000	475,000	439,000	420,000	416,000	482,000	151,000	150,000	213,000	223,000	272,000	224,000	218,000	219,000	209,000	209,000	202,000
professional fees	297,000	303,000	303,000	308,000	301,000	239,000	244,000	257,000	235,000	254,000	287,000	250,000	149,000	184,000	248,000	293,000	155,000	189,000	196,000	234,000	173,000	194,000	177,000	204,000	210,000	249,000	221,000	264,000		213,750	276,000	287,000	292,000	189,000	297,000	237,000	222,000	226,000
director fees	150,750	195,000	202,000	206,000	170,000	223,000	236,000	199,000	240,000	196,000	251,000	205,000	117,000	240,000	246,000	211,000	216,000	202,000	230,000	240,000	239,000	226,000	228,000	188,000	189,000	183,000	189,000
other expenses	2,436,000	1,411,000	1,499,000	1,592,000	1,532,000	1,477,000	1,577,000	1,543,000	1,845,000	1,685,000	1,857,000	1,858,000	3,145,000	1,293,000	1,240,000	1,204,000	1,134,000	1,495,000	1,325,000	1,321,000	1,339,000	1,238,000	1,245,000	1,252,000	1,151,000	1,190,000	1,086,000	1,358,000		899,500	1,072,000	1,502,000	1,331,000				1,196,000	1,146,000	1,608,000	1,834,000	1,781,000				1,431,000	1,183,000	1,437,000
total noninterest expense	13,729,000	13,550,000	13,485,000	13,063,000	13,399,000	12,892,000	13,194,000	11,868,000	12,161,000	11,905,000	12,474,000	12,071,000	20,816,000	8,020,000	8,172,000	8,043,000	7,537,000	7,993,000	7,819,000	7,799,000	7,630,000	7,549,000	7,443,000	7,446,000	9,242,000	7,394,000	7,364,000	8,002,000		5,445,500	7,104,000	7,813,000	6,865,000	5,292,500	8,318,000	6,376,000	6,476,000	7,766,000	5,996,000	5,908,000	31,150,000	7,503,000	6,949,000	6,669,000	6,136,000	5,908,000	6,454,000
income before income taxes	9,585,000	11,454,000	10,344,000	10,035,000	6,453,000	7,427,000	6,382,000	7,181,000	5,598,000	7,351,000	7,256,000	9,581,000	32,379,000	9,275,000	9,237,000	8,506,000	8,718,000	8,447,000	7,857,000	7,930,000	8,537,000	7,892,000	7,633,000	7,377,000	5,985,000	7,425,000	6,920,000	6,359,000		5,736,000	5,401,000	5,924,000	5,714,000	5,247,000	4,218,000	5,703,000	6,172,000	3,819,000	4,456,000			3,361,000	6,455,000	1,443,000	7,066,000	7,565,000	6,427,000
income taxes	2,160,000	2,140,000	2,365,000	2,193,000	-644,000	1,475,000	1,190,000	1,372,000	1,073,000	1,445,000	1,394,000	1,737,000	4,856,000	2,870,000	2,872,000	2,400,000	2,687,000	2,634,000	2,381,000	2,234,000	2,596,000	2,466,000	2,361,000	2,274,000	147,000	2,362,000	2,181,000	1,959,000		1,837,000	1,649,000	1,541,000	1,737,000	1,515,000	1,135,000	1,780,000	1,642,000	1,216,000	1,117,000	906,000	-10,161,000	420,000	1,941,000	69,000	2,119,000	2,438,000	1,983,000
net income	7,425,000	9,314,000	7,979,000	7,842,000	7,097,000	5,952,000	5,192,000	5,809,000	4,525,000	5,906,000	5,862,000	7,844,000	27,523,000	6,405,000	6,365,000	6,106,000	6,031,000	5,813,000	5,476,000	5,696,000	5,941,000	5,426,000	5,272,000	5,103,000	5,838,000	5,063,000	4,739,000	4,400,000		3,899,000	3,752,000	4,383,000	3,977,000	3,732,000	3,083,000	3,923,000	4,530,000	2,603,000			-22,279,000	2,941,000	4,514,000	1,374,000	4,947,000	5,127,000	4,444,000
yoy	4.62%	56.49%	53.68%	35.00%	56.84%	0.78%	-11.43%	-25.94%	-83.56%	-7.79%	-7.90%	28.46%	356.36%	10.18%	16.23%	7.20%	1.51%	7.13%	3.87%	11.62%	1.76%	7.17%	11.25%	15.98%		29.85%	26.31%	0.39%		4.47%	21.70%	11.73%	-12.21%	43.37%			-120.33%	-11.49%			-550.35%	-42.64%	1.58%
qoq	-20.28%	16.73%	1.75%	10.50%	19.24%	14.64%	-10.62%	28.38%	-23.38%	0.75%	-25.27%	-71.50%	329.71%	0.63%	4.24%	1.24%	3.75%	6.15%	-3.86%	-4.12%	9.49%	2.92%	3.31%	-12.59%	15.31%	6.84%	7.70%			3.92%	-14.40%	10.21%	6.56%	21.05%	-21.41%	-13.40%	74.03%				-857.53%	-34.85%	228.53%	-72.23%	-3.51%	15.37%
basic earnings per common share	430	550	470	470	420	350	310	350	270	350	350	470	1,620	400	390	380	380	360	340	350	370	340	330	320	360	320	300	280		-699.08	220	250
diluted earnings per common share	440	550	470	460	420	350	310	350	270	350	350	470	1,600	390	390	370	370	360	340	350	370	340	330	320	360	320	300	270		-689.08	220	250
interest-bearing deposits				1,617,000	3,740,000	2,041,000	1,666,000	148,000	85,000	29,000	25,000	30,000
gain from bank-owned life insurance												691,000	76,750			307,000				443,000										210,250		841,000		159,250			637,000
loan swap fees										431,000
investment securities:
federal funds sold													55,750	136,000	70,000	17,000	50,000	27,000	11,000	20,000	21,000	28,000	22,000	10,000	2,000	14,000	19,000
federal funds purchased													6,000	4,000	9,000	11,000	1,000	1,000	1,000	2,000	1,500	2,000	2,000	2,000
short-term borrowings													14,500	9,000	14,000	35,000	3,000	8,000	17,000	14,000	5,000	5,000	1,000	26,000
provision for loan losses																	100,000	200,000	500,000	200,000	450,000	200,000	200,000		500,000	100,000	150,000			75,000	300,000						500,000	1,400,000	2,000,000	3,000,000	15,000,000				500,000	350,000	300,000
net interest income after provision for loan losses													49,727,000	15,031,000	15,093,000	14,389,000	14,325,000	14,521,000	13,773,000	13,499,000	13,681,000	13,506,000	13,154,000	12,963,000				11,808,000				10,391,000	10,178,000				9,977,000	8,863,000	8,134,000	7,773,000	-4,805,000				9,153,000	9,438,000	9,011,000
realized investment securities gains													105,750	197,000	229,000		6,000		60,000				36,000	11,000	-493,000	210,000		506,000		61,500		279,000
occupancy													1,598,000	1,087,000	1,131,000	1,097,000	1,061,000	1,038,000	983,000	951,000	1,015,000	1,031,000	1,010,000	1,049,000	1,058,000	1,072,000	1,024,000	1,011,000		653,000	880,000	875,000	857,000	619,500	841,000	821,000	816,000	796,000	801,000	794,000	1,163,000	940,000	899,000	900,000	879,000	897,000	934,000
cash dividends declared per common share													132.5	180	180	170	125	170	170	160	115	160	160	140	87.5	120	120	110		65	100
realized investment securities losses																-3,000
revenue from residential mortgage banking																					31,000	45,000	52,000	35,000
other real estate owned
miscellaneous losses																								-13,000				269,000						38,250	102,000	27,000		921,000
taxable securities																									948,250	1,191,000	1,272,000	1,330,000		804,250	1,118,000	1,128,000	971,000	820,750	1,043,000	1,126,000	1,114,000
tax-exempt securities																									523,750	721,000	698,000	676,000		371,250	471,000	511,000	503,000	430,750	549,000	570,000	604,000
federal funds purchased and securities sold under
agreements to repurchase																									2,000	2,000	2,000			22,250	23,000											91,000				1,780,000	1,675,000
other short-term borrowings																									3,750	3,000	3,000	9,000															5,000	29,000	144,000	63,000	8,000
net interest income after provision for loan
losses																									8,990,750	12,189,000	11,966,000			7,631,500	9,957,000
gains and fees on sales of residential mortgages																									335,000	457,000	376,000	226,000		536,000	816,000	581,000	747,000	203,500	358,000	272,000	184,000	286,000	187,000	324,000	237,000	298,000
fdic insurance expense																									140,250	190,000	190,000	181,000		129,000	183,000	167,000	166,000	277,750	216,000	346,000	549,000	883,000	562,000	531,000	1,283,000	453,000
other real estate owned expense																									99,500	3,000	109,000	286,000		307,000	240,000	906,000	82,000	482,500	1,650,000	93,000	187,000	550,000
federal funds sold and other short-term investments																												10,000				51,000	42,000	42,500	43,000	66,000	61,000	183,000	147,000	73,000	208,000	103,000	75,000	160,000	122,000	271,000	289,000
federal funds purchased and securities sold under agreements to repurchase																												4,000					37,000				46,000	62,000	56,000	65,000	84,000		714,000	1,264,000	1,597,000
federal funds sold and other short-term
investments																														32,250	36,000
demand deposits																														198,000	203,000	295,000	294,000	327,250	480,000	409,000	420,000	628,000	596,000	704,000	671,000	477,000	233,000	290,000	584,000	452,000	325,000
savings deposits																														210,000	251,000	323,000	266,000	215,750	275,000	304,000	284,000	1,433,000	1,541,000	1,295,000	1,147,000	384,000	926,000	1,493,000	1,761,000	1,841,000	1,715,000
time deposits																														493,000	600,000	653,000	719,000	792,750	980,000	1,030,000	1,161,000	1,912,000	1,903,000	2,673,000	3,487,000	4,404,000	3,379,000	4,189,000	5,306,000	5,390,000	5,532,000
long-term borrowings																														-2,953,491	1,030,000	1,019,000	1,019,000	-2,931,381	1,030,000	1,019,000	1,008,000	1,019,000	1,236,000	1,335,000	1,320,000	1,306,000	1,471,000	1,355,000	1,220,000	1,337,000	1,319,000
increase in cash value of bank-owned life
insurance																														142,750	181,000
investment securities impairment losses																														-44,750	-6,000	-127,000										-1,415,000
consulting fees																														124,500	191,000
preferred stock dividends and accretion of discount																																				-1,816,000	-571,000	-572,000			-570,000
net income available to common
stockholders																														3,028,000	3,752,000
federal funds purchased and securities sold under agreements																																				43,000
to repurchase																																29,000		32,750	42,000
net income available to common stockholders																																4,383,000	3,977,000	3,732,000	3,083,000	2,107,000	3,959,000	2,031,000			-22,849,000	2,374,000
cash dividends per common share																																80	80	-99.83	50	50					10	80
net impairment losses																																	-46,000
realized securities (losses)																																	-33,000
basic and diluted earnings per common share																																	230	-529.26	180	120	230	120
benefit from loan losses																																		237,500		450,000						3,500,000	1,000,000	5,600,000
net interest income after benefit from loan losses																																		7,566,250	10,325,000	9,963,000						6,437,000	9,235,000	4,276,000
service fee from smartypig, llc																																						794,000
investment securities gains, net:
total other than temporary impairment losses																																		-5,500	-22,000			-188,000
portion of loss recognized in other comprehensive income
before taxes
net impairment losses recognized in earnings																																		-5,500	-22,000			-188,000		-827,000	-275,000
realized securities gains																																						-9,000	46,000	507,000
investment securities gains																																		-5,500	-22,000			-197,000	46,000	-320,000	-275,000
other incomes																																		928,500	1,339,000	1,203,000						1,900,000	1,918,000	1,546,000
portion of loss recognized in other comprehensive income before taxes
u.s. treasury, government agencies and corporations																																						723,000	745,000	694,000
states and political subdivisions																																						851,000	889,000	1,096,000	1,120,000	1,100,000	967,000	943,000	923,000	936,000	970,000
corporate notes and other investments																																						402,000	342,000	439,000	234,000	125,000
goodwill impairment																																									23,036,000
west bancorporation, inc. and subsidiary
consolidated statements of operations
income from continuing operations																																						2,603,000	3,339,000
discontinued operations:
loss from discontinued operations before income taxes
income tax benefits
loss from discontinued operations
earnings per common share:
basic and diluted earnings per common share from continuing operations																																						120
basic and diluted earnings per common share from discontinued operations
total other-than-temporary impairment losses																																								-986,000	-1,013,000
proceeds from bank-owned life insurance																																										840,000
portion of loss recognized in other comprehensive income (loss) before taxes																																								159,000
income (loss) before income taxes																																								3,896,000	-32,440,000
income (loss) from continuing operations																																								2,990,000
u.s treasury, government agencies and corporations																																									607,000	612,000
investment advisory fees																																									1,593,000	1,416,000	1,960,000	1,938,000	1,968,000	2,043,000	1,959,000
portion of loss recognized in other comphehensive income before taxes																																									738,000
earnings (loss) per common share, basic																																									-1,320
earnings (loss) per common share, diluted																																									-1,320
securities gains																																										1,453,000
preferred stock dividends and discount																																										-567,000
earnings per common share, basic																																										140
earnings per common share, diluted																																										140
government agencies and corporations																																											536,000	985,000	1,468,000	1,491,000	1,496,000
other																																											439,000	398,000	393,000	388,000	389,000
net realized gains from sales of securities available for sale																																												5,000	11,000
earnings per share, basic																																											0.26	0.08	0.28	0.29	0.25
cash dividends per share																																											0.16	0.16	0.16	0.16	0.16
net realized losses from sales of securities
available for sale																																														-13,000
net realized gains from sales
of securities available for sale																																															4,000

Balance Sheets:

Quarterly

Annual

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

assets
cash and due from banks	40,018,000	25,171,000	26,875,000	35,796,000	39,253,000	28,750,000	34,157,000	27,994,000	27,071,000	33,245,000	18,819,000	29,776,000	21,579,000	24,896,000	58,342,000	26,174,000	21,896,000	17,555,000	30,922,000	31,978,000	23,570,000	77,693,000	49,445,000	54,175,000	65,256,000	37,808,000	62,119,000	45,286,000	45,461,000	46,369,000	26,406,000	36,964,000	36,978,000	34,952,000	33,560,000	42,617,000	34,994,000	40,943,000	44,526,000	42,688,000	48,919,000	57,329,000	36,194,000	61,682,000	40,514,000	27,936,000	34,480,000	54,659,000	58,565,000	33,693,000	62,592,000	36,024,000	34,634,000	60,417,000	37,707,000	36,555,000	32,803,000	35,772,000	44,851,000	37,944,000	28,664,000	20,069,000	26,596,000	26,786,000	28,631,000	23,985,000	28,753,000	25,204,000	55,657,000	50,357,000	28,857,000	27,329,000	30,931,000
interest-earning deposits with banks	180,218,000	324,502,000	109,265,000	212,450,000
securities purchased under agreements to resell	141,742,000	121,413,000	96,792,000	96,955,000
cash and cash equivalents	361,978,000	471,086,000	232,932,000	345,201,000	210,610,000	243,478,000	157,803,000	149,819,000	148,017,000	65,357,000	20,621,000	31,744,000	22,480,000	26,539,000	59,391,000	26,940,000	144,255,000	192,825,000	32,469,000	270,823,000	325,489,000	396,435,000	65,843,000	116,669,000	66,397,000	53,290,000	129,287,000	92,564,000	47,539,000	47,474,000	27,282,000	65,103,000	37,466,000	47,949,000	39,497,000	46,786,000	42,530,000	76,836,000	50,850,000	48,144,000	56,723,000	72,651,000	54,786,000	82,068,000	88,959,000	39,781,000	34,684,000	58,575,000	86,146,000		91,992,000	41,262,000	57,168,000	171,474,000	41,827,000	112,858,000	108,506,000	87,104,000	52,773,000	102,481,000	134,130,000	87,954,000	283,873,000	296,411,000	152,316,000	88,239,000	242,176,000	112,392,000	62,110,000	95,851,000	34,814,000	36,884,000	55,357,000
securities available for sale, at fair value	456,410,000	468,447,000	537,856,000	536,709,000	546,619,000	544,565,000	597,745,000	588,452,000	605,735,000	623,919,000	609,365,000	645,091,000	665,358,000	664,115,000	671,752,000	731,970,000	797,912,000	758,822,000	763,397,000	601,462,000	447,152,000
federal home loan bank stock, at cost	15,180,000	15,167,000	15,190,000	15,311,000	15,216,000	15,129,000	17,195,000	21,065,000	26,181,000	22,957,000	26,691,000	22,488,000	22,226,000	19,336,000	18,350,000	15,532,000	10,269,000	9,965,000	11,544,000	10,189,000	12,414,000	11,723,000	11,905,000	12,307,000	13,739,000	12,491,000	11,685,000	10,826,000	11,639,000	12,037,000	10,061,000	9,202,000	10,130,000	9,174,000	12,256,000	11,081,000	12,110,000	10,771,000	12,467,000	12,439,000	12,353,000	12,447,000	14,210,000	12,168,000	12,515,000	15,075,000	13,964,000	12,132,000	11,916,000		11,629,000	12,345,000	11,829,000	11,789,000	11,667,000	11,639,000	11,475,000	11,352,000	11,423,000	11,240,000	11,342,000	11,211,000	10,597,000	10,191,000	10,423,000	9,756,000	8,978,000	7,810,000	8,580,000	8,206,000	8,176,000	7,731,000	6,141,000
loans	2,991,638,000	3,001,690,000	3,008,888,000	2,966,357,000	3,016,471,000	3,004,860,000	3,021,221,000	2,998,774,000	2,980,133,000	2,927,535,000	2,849,777,000	2,807,075,000	2,756,185,000	2,742,836,000	2,614,145,000	2,573,129,000	2,485,366,000	2,456,196,000	2,359,567,000	2,309,527,000	2,303,999,000	2,280,575,000	2,247,425,000	2,199,688,000	1,994,432,000	1,941,663,000	1,836,730,000	1,792,718,000	1,748,830,000	1,721,830,000	1,600,817,000	1,534,404,000	1,502,283,000	1,510,500,000	1,456,905,000	1,435,379,000	1,446,735,000	1,399,870,000	1,382,895,000	1,380,841,000	1,274,929,000	1,246,688,000	1,240,038,000	1,217,378,000	1,184,447,000	1,184,045,000	1,083,077,000	1,076,042,000	1,019,367,000		959,016,000	969,109,000	937,031,000	927,401,000	854,205,000	858,414,000	849,041,000	838,959,000	866,615,000	838,076,000	830,578,000	888,649,000	961,221,000	992,101,000	1,062,333,000	1,115,324,000	1,122,415,000	1,093,402,000	1,057,830,000	1,005,824,000	943,393,000	937,257,000	946,745,000
allowance for credit losses	-30,523,000	-30,525,000	-30,515,000	-30,539,000	-30,526,000	-30,432,000	-29,419,000	-28,422,000	-28,373,000	-28,342,000	-28,147,000	-27,938,000	-27,941,000
premises and equipment	107,619,000	108,380,000	109,212,000	109,806,000	110,270,000	109,985,000	106,771,000	101,965,000	95,880,000	86,399,000	75,675,000	66,683,000	59,565,000	53,124,000	44,592,000	41,807,000	40,898,000	34,568,000	33,287,000	30,753,000	29,308,000	29,077,000	28,099,000	28,655,000	29,129,000	29,680,000	30,057,000	30,447,000	30,510,000	21,491,000	21,722,000	22,053,000	22,682,000	23,022,000	23,173,000	23,072,000	23,005,000	23,314,000	21,023,000	18,719,000	17,298,000	11,562,000	11,115,000	10,921,000	10,798,000	9,988,000	10,609,000	9,477,000	8,761,000	6,607,000	7,405,000	6,813,000	5,807,000	5,609,000	5,551,000	5,643,000	5,871,000	5,396,000	5,170,000	5,008,000	4,995,000	5,068,000	5,288,000	5,392,000	5,056,000	5,108,000	5,247,000	4,842,000	5,043,000	4,978,000	5,309,000	5,212,000	5,253,000
accrued interest receivable	12,613,000	11,982,000	13,366,000	12,629,000	13,141,000	12,825,000	13,842,000	14,139,000	15,270,000	13,581,000	13,598,000	11,785,000	12,284,000	11,988,000	10,786,000	9,363,000	10,083,000	8,890,000	11,772,000	11,415,000	12,708,000	11,231,000	11,071,000	8,467,000	7,558,000	7,134,000	7,995,000	7,937,000	8,577,000	7,631,000	7,782,000	7,864,000	7,287,000	7,344,000	6,636,000	5,393,000	5,585,000	5,321,000	5,230,000	4,713,000	5,273,000	4,688,000	5,041,000	4,386,000	5,114,000	4,425,000	4,549,000	4,347,000	4,505,000		4,481,000	4,402,000	4,645,000	3,652,000	4,423,000	4,566,000	4,735,000	4,183,000	4,368,000	4,159,000	4,711,000	4,959,000	5,406,000	6,255,000	6,889,000	7,122,000	6,869,000	7,326,000	6,199,000	6,940,000	9,378,000	8,964,000	9,676,000
bank-owned life insurance	46,500,000	46,192,000	45,875,000	45,567,000	45,272,000	44,990,000	44,703,000	44,416,000	44,138,000	43,864,000	43,589,000	43,328,000	44,830,000	44,573,000	44,318,000	44,072,000	43,836,000	43,609,000	43,376,000	43,146,000	42,906,000	42,686,000	42,520,000	35,187,000	35,051,000	34,893,000	34,731,000	34,563,000	34,401,000	34,249,000	34,086,000	33,928,000	33,776,000	33,618,000	33,451,000	33,284,000	33,121,000	33,111,000	32,956,000	32,797,000	32,688,000	32,834,000	32,657,000	32,474,000	32,296,000	32,107,000	31,910,000	31,712,000	26,530,000		26,222,000	26,060,000	25,890,000	25,730,000	25,563,000	25,386,000	25,923,000	25,724,000	25,506,000	25,284,000	25,616,000	25,395,000	25,844,000	25,618,000	25,186,000	24,986,000	24,806,000	25,037,000	24,790,000	24,533,000	23,617,000	23,391,000	23,172,000
deferred tax assets	25,933,000	25,925,000	27,722,000	30,375,000	29,833,000	33,202,000	30,679,000	33,477,000	34,552,000	34,303,000	41,592,000	36,106,000	35,122,000	36,609,000	38,327,000	29,861,000	20,877,000	10,819,000	10,288,000	8,733,000	9,737,000	11,289,000	10,809,000	10,122,000	10,276,000	5,361,000	6,085,000	4,901,000	5,374,000	6,518,000	6,901,000	5,826,000	5,625,000	4,645,000	5,861,000	5,022,000	5,850,000	6,957,000	4,843,000	4,984,000	5,457,000	6,670,000	6,713,000	6,697,000	5,799,000	6,333,000	7,368,000	6,611,000	7,573,000		9,758,000	8,023,000	6,905,000	6,991,000	6,625,000	6,875,000	7,849,000	8,409,000	8,249,000	8,208,000	9,881,000	11,164,000	11,840,000	11,929,000
other assets	23,625,000	23,900,000	24,954,000	25,253,000	29,763,000	36,389,000	28,026,000	41,430,000	41,159,000	36,185,000	49,139,000	42,193,000	34,834,000	39,571,000	41,274,000	27,551,000	21,196,000	12,871,000	12,098,000	10,754,000	19,201,000	11,593,000	9,227,000	8,574,000	8,939,000	7,836,000	7,337,000	7,123,000	7,995,000	8,269,000	9,357,000	8,511,000	6,454,000	4,809,000	4,956,000	5,142,000	5,518,000	5,113,000	3,708,000	3,975,000	3,817,000	4,094,000	6,370,000	6,230,000	7,342,000	10,492,000	5,870,000	5,465,000	8,036,000		9,098,000	8,530,000	7,501,000	7,077,000	7,294,000	9,035,000	7,403,000	6,974,000	7,148,000	9,861,000	9,701,000	10,179,000	12,409,000	14,686,000	22,187,000	24,849,000	17,078,000	18,889,000	16,136,000	13,871,000	11,911,000	10,940,000	10,918,000
total assets	4,010,973,000	4,142,244,000	3,985,480,000	4,056,669,000	3,986,669,000	4,014,991,000	3,988,566,000	3,965,115,000	3,962,692,000	3,825,758,000	3,701,900,000	3,678,555,000	3,624,943,000	3,613,218,000	3,517,517,000	3,474,791,000	3,547,069,000	3,500,201,000	3,249,700,000	3,268,760,000	3,172,906,000	3,185,744,000	2,775,883,000	2,740,323,000	2,519,609,000	2,473,691,000	2,457,236,000	2,362,876,000	2,312,091,000	2,296,568,000	2,171,666,000	2,197,166,000	2,092,025,000	2,114,377,000	2,030,348,000	1,917,587,000	1,867,819,000	1,854,204,000	1,824,830,000	1,831,685,000	1,755,119,000	1,748,640,000	1,733,167,000	1,654,461,000	1,648,927,000	1,615,833,000	1,522,801,000	1,535,693,000	1,505,886,000	1,445,773,000	1,471,113,000	1,451,646,000	1,436,722,000	1,448,175,000	1,267,966,000	1,350,019,000	1,321,204,000	1,269,524,000	1,226,599,000	1,261,136,000	1,291,587,000	1,305,463,000	1,608,877,000	1,691,325,000	1,499,611,000	1,513,901,000	1,612,313,000	1,463,745,000	1,368,867,000	1,332,941,000	1,297,228,000	1,294,734,000	1,330,097,000
liabilities and stockholders' equity
liabilities
deposits:
noninterest-bearing demand	511,013,000	540,358,000	512,869,000	521,990,000	519,771,000	541,053,000	525,332,000	530,441,000	521,377,000	548,726,000	551,688,000	568,029,000	605,666,000	693,563,000	712,722,000	690,335,000	710,697,000	720,136,000	713,076,000	703,691,000	691,329,000	696,731,000	619,346,000	590,487,000	408,144,000	380,079,000	395,925,000	373,627,000	388,686,000	400,530,000	396,079,000	381,281,000	394,100,000	395,888,000	384,625,000	386,246,000	453,604,000	479,311,000	483,434,000	458,197,000	457,409,000	486,707,000	447,386,000	424,558,000	367,422,000	362,827,000	347,279,000	349,038,000	348,339,000		347,957,000	308,189,000	316,898,000	367,281,000	291,497,000	280,398,000	272,018,000	268,887,000	258,024,000	236,859,000	236,172,000	230,277,000	208,960,000	220,019,000	201,813,000	209,893,000	202,766,000		189,596,000	204,690,000		187,575,000	193,111,000
interest-bearing demand	489,990,000	577,814,000	448,731,000	461,207,000	517,409,000	543,855,000	438,402,000	443,658,000	449,946,000	481,207,000	417,802,000	459,030,000	486,656,000	536,226,000	469,257,000	472,919,000	554,235,000	548,242,000	458,165,000	487,642,000	466,913,000	553,881,000	363,430,000	378,931,000	357,313,000	346,307,000	322,487,000	321,747,000	309,975,000	336,089,000	313,916,000	326,567,000	314,546,000	395,052,000	328,156,000	339,821,000	256,777,000	282,592,000	264,640,000	264,241,000	247,300,000	267,824,000	241,250,000	225,442,000	257,696,000	241,722,000	217,141,000	229,712,000	272,946,000		164,993,000	155,025,000	158,055,000	160,745,000	151,686,000	161,770,000	163,553,000	158,141,000	149,910,000	143,078,000	146,420,000	142,031,000	165,699,000	162,790,000	164,092,000	132,597,000	117,671,000	120,642,000	88,868,000	80,537,000	69,365,000	69,401,000	71,776,000
savings and money market	1,818,139,000	1,839,508,000	1,799,392,000	1,847,926,000	1,633,612,000	1,643,891,000	1,605,620,000	1,580,523,000	1,435,538,000	1,440,076,000	1,348,591,000	1,416,610,000	1,295,280,000	1,237,954,000	1,252,694,000
time	515,830,000	510,790,000	545,525,000	560,870,000	653,726,000	628,797,000	709,199,000	626,300,000	658,169,000	503,770,000	437,448,000	392,656,000	410,791,000	412,665,000	388,174,000
total deposits	3,334,972,000	3,468,470,000	3,306,517,000	3,391,993,000	3,324,518,000	3,357,596,000	3,278,553,000	3,180,922,000	3,065,030,000	2,973,779,000	2,755,529,000	2,836,325,000	2,798,393,000	2,880,408,000	2,822,847,000	2,842,451,000	3,091,252,000	3,016,005,000	2,736,923,000	2,825,289,000	2,682,093,000	2,700,994,000	2,296,780,000	2,255,709,000	2,020,125,000	2,014,756,000	2,024,807,000	1,965,787,000	1,908,323,000	1,894,529,000	1,839,292,000	1,891,929,000	1,738,158,000	1,810,813,000	1,651,266,000	1,575,075,000	1,528,754,000	1,546,605,000	1,491,656,000	1,510,262,000	1,445,747,000	1,440,729,000	1,387,136,000	1,366,610,000	1,365,420,000	1,270,462,000	1,205,262,000	1,262,432,000	1,236,020,000	818,616,000	1,165,792,000	1,124,539,000	1,113,455,000	1,134,576,000	928,926,000	1,027,134,000	969,030,000	957,373,000	918,539,000	961,933,000	950,074,000	972,072,000	1,275,387,000	1,355,954,000	1,161,148,000	1,176,894,000	1,194,205,000	1,118,773,000	938,471,000	883,851,000	858,218,000	857,704,000	924,014,000
subordinated notes	80,221,000	80,156,000	80,090,000	80,024,000	79,959,000	79,893,000	79,828,000	79,762,000	79,697,000	79,631,000	79,566,000	79,500,000	79,435,000	79,369,000	79,303,000	79,265,000	20,468,000	20,465,000	20,462,000	20,458,000	20,455,000	20,452,000	20,448,000	20,445,000	20,442,000	20,438,000	20,435,000	20,432,000	20,428,000	20,425,000	20,422,000	20,418,000	20,415,000	20,412,000	20,408,000	20,405,000	20,402,000	20,398,000				20,619,000	20,619,000	20,619,000	20,619,000	20,619,000	20,619,000	20,619,000	20,619,000		20,619,000	20,619,000	20,619,000	20,619,000	20,619,000	20,619,000	20,619,000	20,619,000	20,619,000	20,619,000	20,619,000	20,619,000	20,619,000	20,619,000	20,619,000	20,619,000	20,619,000	20,619,000	20,619,000	20,619,000	20,619,000	20,619,000	20,619,000
federal home loan bank advances	270,000,000	270,000,000	270,000,000	270,000,000	270,000,000	270,000,000	315,000,000	315,000,000	315,000,000	315,000,000	315,000,000	280,000,000	220,000,000	155,000,000	125,000,000	125,000,000	125,000,000	125,000,000	125,000,000	125,000,000	175,000,000	175,000,000	175,000,000	179,869,000	179,620,000	179,365,000	153,998,000	128,621,000	128,247,000	137,878,000	77,501,000	77,124,000	76,751,000	76,382,000	101,005,000	100,628,000	100,254,000	99,886,000																	105,000,000	105,000,000	105,000,000	105,000,000	105,000,000	105,000,000	105,000,000	105,000,000	105,000,000	105,000,000
long-term debt	25,000,000	26,250,000	38,986,000	40,236,000	41,486,000	42,736,000	43,986,000	45,236,000	46,486,000	47,736,000	48,986,000	50,236,000	51,486,000	51,486,000	51,486,000	51,486,000	51,486,000	51,521,000	17,654,000	20,286,000	20,919,000	21,558,000	22,213,000	22,867,000	22,896,000	22,925,000	22,954,000	22,982,000	25,011,000	27,040,000	17,582,000	19,611,000	21,639,000	22,917,000	24,195,000	25,473,000	4,300,000	5,126,000	5,952,000	6,779,000	7,592,000	8,415,000	9,730,000	11,046,000	11,861,000	12,676,000	13,491,000	14,306,000	15,121,000		16,750,000	16,765,000
accrued expenses and other liabilities	30,037,000	31,383,000	34,754,000	33,486,000	32,833,000	36,891,000	35,846,000	34,812,000	34,223,000	34,299,000	37,376,000	31,218,000	29,347,000	35,843,000	35,617,000	27,400,000	22,383,000	24,002,000	57,905,000	27,596,000	35,850,000	38,670,000	43,772,000	46,991,000	43,493,000	21,727,000	27,370,000	20,839,000	16,077,000	5,688,000	6,006,000	4,872,000	5,000,000	5,210,000	6,462,000	5,960,000	6,912,000	7,123,000	7,034,000	6,902,000	7,023,000	6,355,000	6,797,000	6,254,000	5,949,000	6,038,000	7,323,000	6,185,000	5,398,000		7,322,000	7,814,000	7,633,000	8,907,000	7,694,000	6,523,000	6,790,000	7,240,000	6,657,000	6,330,000	7,051,000	7,327,000	7,057,000	6,312,000	8,945,000	10,520,000	11,035,000	11,371,000	15,111,000	13,323,000	13,350,000	11,637,000	11,903,000
total liabilities	3,740,230,000	3,876,259,000	3,730,347,000	3,815,739,000	3,748,796,000	3,787,116,000	3,753,213,000	3,741,232,000	3,738,936,000	3,600,715,000	3,497,967,000	3,461,429,000	3,407,951,000	3,402,106,000	3,318,753,000	3,258,602,000	3,310,589,000	3,239,873,000	2,997,324,000	3,022,234,000	2,938,377,000	2,962,049,000	2,560,563,000	2,531,636,000	2,318,916,000	2,261,871,000	2,253,099,000	2,160,941,000	2,115,821,000	2,105,545,000	1,987,048,000	2,014,814,000	1,913,783,000	1,936,279,000	1,852,261,000	1,742,701,000	1,698,047,000	1,688,828,000	1,659,966,000	1,670,706,000	1,598,193,000	1,596,263,000	1,583,950,000	1,509,070,000	1,505,206,000	1,475,658,000	1,387,076,000	1,403,616,000	1,378,314,000		1,349,956,000	1,330,046,000	1,300,230,000	1,313,588,000	1,135,323,000	1,219,987,000	1,194,935,000	1,146,073,000	1,105,463,000	1,141,946,000	1,141,218,000	1,160,027,000	1,468,853,000	1,554,351,000	1,367,233,000	1,385,233,000	1,460,987,000	1,348,884,000	1,251,034,000	1,213,601,000	1,177,183,000	1,178,380,000	1,214,204,000
commitments and contingencies
stockholders' equity																																																		127,789,000
preferred stock, 0.01 par value...																																																															34,265,000	34,143,000	33,906,000	33,785,000	33,665,000
common stock	3,000,000	3,000,000	3,000,000	3,000,000	3,000,000	3,000,000	3,000,000	3,000,000	3,000,000	3,000,000	3,000,000	3,000,000	3,000,000	3,000,000	3,000,000	3,000,000	3,000,000	3,000,000	3,000,000	3,000,000	3,000,000	3,000,000	3,000,000	3,000,000	3,000,000	3,000,000	3,000,000	3,000,000	3,000,000	3,000,000	3,000,000	3,000,000	3,000,000	3,000,000	3,000,000	3,000,000	3,000,000	3,000,000	3,000,000	3,000,000																				3,000,000			3,000,000	3,000,000	3,000,000	3,000,000	3,000,000	3,000,000	3,000,000	3,000,000	3,000,000
additional paid-in capital	36,553,000	37,231,000	36,473,000	35,773,000	35,072,000	35,619,000	34,960,000	34,322,000	33,685,000	34,197,000	33,487,000	32,642,000	31,797,000	32,021,000	31,152,000	30,283,000	29,421,000	30,183,000	29,536,000	28,888,000	28,243,000	28,823,000	28,227,000	27,632,000	27,023,000	27,260,000	26,475,000	25,691,000	24,898,000	25,128,000	24,391,000	23,653,000	22,916,000	23,463,000	22,763,000	22,132,000	21,423,000	21,462,000	21,056,000	20,668,000	20,262,000	20,067,000	19,732,000	19,412,000	19,054,000	18,971,000	18,794,000	18,634,000	18,492,000		18,305,000	18,199,000	33,868,000	33,805,000	33,742,000	33,702,000	33,687,000	33,687,000	33,687,000	34,387,000	34,387,000	34,387,000	34,387,000	34,387,000	34,387,000	34,387,000	34,389,000	32,000,000	32,000,000	32,000,000	32,000,000	32,000,000	32,000,000
retained earnings	300,596,000	294,259,000	291,069,000	285,990,000	282,247,000	278,613,000	275,724,000	273,981,000	272,997,000	271,369,000	271,025,000	269,301,000	267,620,000	267,562,000	262,776,000	255,334,000	246,827,000	237,782,000	229,845,000	221,113,000	211,847,000	203,718,000	198,622,000	193,981,000	189,470,000	184,821,000	180,654,000	176,567,000	173,349,000	169,709,000	165,741,000	161,867,000	158,362,000	153,527,000	152,252,000	148,766,000	145,319,000	141,956,000	138,668,000	135,598,000	132,865,000	129,740,000	126,369,000	123,513,000	120,811,000	117,950,000	114,354,000	111,213,000	108,394,000		103,227,000	100,621,000	98,064,000	95,856,000	93,697,000	91,686,000	88,696,000	86,110,000	83,597,000	81,384,000	80,147,000	76,188,000	70,760,000	68,729,000	63,711,000	62,377,000	83,775,000	83,470,000	86,614,000	84,885,000	86,498,000	84,357,000	82,035,000
accumulated other comprehensive loss	-69,406,000	-68,505,000	-75,409,000	-83,833,000	-82,446,000	-89,357,000	-78,331,000	-87,420,000	-85,926,000	-83,523,000	-103,579,000	-87,817,000	-85,425,000	-91,471,000	-98,164,000	-72,428,000	-42,768,000	-10,637,000	-10,005,000	-6,475,000	-8,561,000	-11,846,000	-14,529,000	-15,926,000	-18,800,000	-3,261,000	-5,992,000	-3,323,000	-4,977,000	-6,814,000	-8,514,000	-6,168,000	-6,036,000	-1,892,000																											-1,794,000	-2,647,000	-2,388,000					-3,609,000	-3,781,000		-1,453,000	-3,003,000	-1,142,000
total stockholders' equity	270,743,000		255,133,000	240,930,000	237,873,000		235,353,000	223,883,000	223,756,000		203,933,000	217,126,000	216,992,000		198,764,000	216,189,000	236,480,000		252,376,000	246,526,000	234,529,000		215,320,000	208,687,000	200,693,000		204,137,000	201,935,000	196,270,000		184,618,000	182,352,000	178,242,000		178,087,000	174,886,000	169,772,000	165,376,000	164,864,000	160,979,000	156,926,000	152,377,000	149,217,000	145,391,000	143,721,000	140,175,000	135,725,000	132,077,000	127,572,000		121,157,000	121,600,000	136,492,000	134,587,000	132,643,000	130,032,000	126,269,000	123,451,000	121,136,000	119,190,000	150,369,000	145,436,000	140,024,000	136,974,000	132,378,000	128,668,000	151,326,000	114,861,000	117,833,000	119,340,000	120,045,000	116,354,000	115,893,000
total liabilities and stockholders' equity	4,010,973,000		3,985,480,000	4,056,669,000	3,986,669,000		3,988,566,000	3,965,115,000	3,962,692,000		3,701,900,000	3,678,555,000	3,624,943,000		3,517,517,000	3,474,791,000	3,547,069,000		3,249,700,000	3,268,760,000	3,172,906,000		2,775,883,000	2,740,323,000	2,519,609,000		2,457,236,000	2,362,876,000	2,312,091,000		2,171,666,000	2,197,166,000	2,092,025,000		2,030,348,000	1,917,587,000	1,867,819,000	1,854,204,000	1,824,830,000	1,831,685,000	1,755,119,000	1,748,640,000	1,733,167,000	1,654,461,000	1,648,927,000	1,615,833,000	1,522,801,000	1,535,693,000	1,505,886,000		1,471,113,000	1,451,646,000	1,436,722,000	1,448,175,000	1,267,966,000	1,350,019,000	1,321,204,000	1,269,524,000	1,226,599,000	1,261,136,000	1,291,587,000	1,305,463,000	1,608,877,000	1,691,325,000	1,499,611,000	1,513,901,000	1,612,313,000	1,463,745,000	1,368,867,000	1,332,941,000	1,297,228,000	1,294,734,000	1,330,097,000
liabilities and stockholders’ equity
stockholders’ equity
total stockholders’ equity		265,985,000				227,875,000				225,043,000				211,112,000				260,328,000				223,695,000				211,820,000				191,023,000				178,098,000
total liabilities and stockholders’ equity		4,142,244,000				4,014,991,000				3,825,758,000				3,613,218,000				3,500,201,000				3,185,744,000				2,473,691,000				2,296,568,000				2,114,377,000
interest-bearing deposits					171,357,000	214,728,000	123,646,000	121,825,000	120,946,000	32,112,000	1,802,000	1,968,000	901,000	1,643,000
federal funds purchased and other short-term borrowings								85,500,000	198,500,000	150,270,000	261,510,000	184,150,000	229,290,000	200,000,000
allowance for loan losses														-25,473,000	-25,418,000	-25,434,000	-27,623,000	-28,364,000	-28,098,000	-28,042,000	-30,008,000	-29,436,000	-25,403,000	-21,363,000	-18,332,000	-17,235,000	-17,042,000	-16,737,000	-16,737,000	-16,689,000	-16,673,000	-16,518,000	-16,465,000	-16,430,000	-16,358,000	-16,486,000	-16,427,000	-16,112,000	-15,958,000	-15,829,000	-15,280,000	-14,967,000	-14,660,000	-14,364,000	-13,878,000	-13,607,000	-13,345,000	-13,213,000	-13,283,000		-14,741,000	-15,959,000	-15,632,000	-15,529,000	-15,637,000	-15,373,000	-16,651,000	-16,778,000	-17,476,000	-17,790,000	-17,510,000	-19,087,000	-21,091,000	-20,273,000	-19,658,000	-23,662,000	-18,015,000	-16,484,000	-10,557,000	-14,260,000	-8,905,000	-8,779,000	-8,743,000
federal funds sold															1,049,000	766,000	122,359,000	175,270,000	1,547,000	238,845,000	301,919,000	318,742,000	16,398,000	62,494,000	1,141,000	15,482,000	67,168,000	47,278,000	2,078,000	1,105,000	876,000	28,139,000	488,000	12,997,000	5,937,000	4,169,000	7,536,000	35,893,000	6,324,000	5,456,000	7,804,000	15,322,000	18,592,000	20,386,000	48,445,000	11,845,000	204,000	3,916,000	27,581,000								75,703,000
federal funds purchased															204,500,000	133,000,000		2,880,000	39,380,000	3,605,000	4,060,000	5,375,000	2,350,000	5,755,000	32,340,000	2,660,000	3,535,000	2,280,000	17,735,000	19,985,000	26,245,000	860,000	51,820,000	545,000	925,000	1,160,000	1,425,000	9,690,000	920,000	1,240,000	1,685,000	2,760,000	2,660,000	6,910,000	4,100,000	2,975,000	3,870,000	3,940,000	5,395,000
savings																1,360,020,000	1,632,690,000	1,550,636,000	1,379,321,000	1,391,231,000	1,318,536,000	1,274,254,000	1,130,582,000	1,081,743,000	1,025,749,000	996,836,000	1,015,443,000	974,769,000	1,007,634,000	950,501,000	943,717,000	1,004,926,000	854,941,000	850,216,000	776,921,000	690,341,000	699,338,000	668,688,000	637,044,000	677,497,000	632,934,000	570,391,000	578,775,000	593,369,000	597,181,000	527,277,000	495,613,000	528,313,000	455,321,000		495,550,000	496,513,000	454,735,000	428,710,000	316,931,000	423,254,000	374,530,000	343,312,000	290,109,000	316,450,000	316,113,000	313,850,000	429,638,000	576,090,000	380,497,000	348,275,000	266,529,000	222,488,000	226,574,000	233,270,000	219,742,000	216,376,000	209,070,000
time of 250 or more																87,086,000	46,486,000	53,019,000	50,643,000	46,660,000	45,844,000	46,907,000	54,241,000	61,456,000	71,789,000	81,871,000	71,669,000	50,980,000	40,689,000	55,745,000	33,752,000	29,382,000	26,224,000	16,965,000	16,539,000	13,102,000	12,456,000
other time																232,091,000	147,144,000	143,972,000	135,718,000	196,065,000	159,471,000	129,221,000	129,181,000	143,092,000	157,130,000	209,663,000	219,283,000	244,664,000	161,339,000	151,664,000	151,828,000	149,773,000	148,347,000	152,692,000	145,025,000	145,565,000	106,579,000	105,568,000	95,720,000	97,457,000	94,856,000	101,058,000	106,103,000	109,062,000	128,705,000	119,651,000	56,788,000	59,608,000	63,226,000		69,688,000	72,284,000	75,053,000	77,213,000	79,855,000	84,473,000	85,173,000	88,290,000	93,763,000	95,992,000	100,451,000	107,526,000	120,414,000	121,757,000	208,579,000	235,927,000	284,555,000	368,889,000	168,597,000	155,704,000	218,657,000	163,938,000	166,317,000
investment securities available for sale, at fair value																						420,571,000	374,387,000	342,017,000	372,420,000	398,578,000	410,371,000	398,534,000	433,963,000	453,758,000	470,331,000	526,793,000	482,787,000	444,219,000	418,374,000	322,597,000	261,426,000	260,637,000	278,411,000	291,939,000	311,335,000	320,714,000	325,617,000	245,201,000	264,213,000	272,790,000	287,913,000
investment securities held to maturity, at amortized cost																																		45,527,000	45,597,000	46,317,000	48,366,000	48,386,000	48,405,000	48,963,000
short-term borrowings																																			48,000,000	14,000,000	36,000,000		34,500,000	26,000,000	17,000,000	19,000,000	59,000,000			66,000,000
accumulated other comprehensive income																																			72,000	988,000	30,000		2,140,000	1,713,000	799,000	-430,000	116,000	-534,000	856,000	254,000					-3,375,000	-220,000	1,560,000	1,926,000	2,204,000	1,644,000	886,000	654,000	852,000	419,000
time of 250,000 or more																																						10,446,000	10,818,000	12,870,000	13,248,000	14,749,000	13,622,000	14,179,000	14,416,000	18,985,000
accumulated other comprehensive																																						-1,042,000									-423,000	-770,000	-2,314,000															-3,285,000	-2,626,000	-4,881,000	-3,503,000			-545,000
subordinated notes, net of discount																																							20,395,000	20,392,000	20,388,000
federal home loan bank advances, net of discount																																							99,509,000	99,131,000	98,758,000	98,385,000	98,008,000	97,631,000	97,257,000	96,888,000	96,511,000	96,134,000	95,761,000		95,015,000	94,638,000	94,265,000	93,890,000
investment securities held to maturity, at amortized cost (fair value of 51,455
and 51,918 at march 31, 2016 and december 31, 2015, respectively)																																									50,526,000
and outstanding at march 31, 2016 and december 31, 2015
16,064,435 shares issued and outstanding at march 31, 2016 and
december 31, 2015, respectively																																									3,000,000
investment securities held to maturity, at amortized cost (fair value of 51,918
and 51,501 at december 31, 2015 and 2014, respectively)																																										51,259,000
outstanding at december 31, 2015 and 2014
16,018,734 shares issued and outstanding at december 31, 2015 and 2014, respectively																																										3,000,000
investment securities held to maturity, at amortized cost (fair value of 51,260
and 51,501 at september 30, 2015 and december 31, 2014, respectively)																																											51,280,000
and outstanding at september 30, 2015 and december 31, 2014
16,018,734 shares issued and outstanding at september 30, 2015 and
december 31, 2014, respectively																																											3,000,000	3,000,000	3,000,000
investment securities held to maturity, at amortized cost (fair value of 50,448
and 51,501 at june 30, 2015 and december 31, 2014, respectively)																																												51,302,000
and outstanding at june 30, 2015 and december 31, 2014
16,018,734 shares issued and outstanding at june 30, 2015 and
investment securities held to maturity, at amortized cost (fair value of 51,784
and 51,501 at march 31, 2015 and december 31, 2014, respectively)																																													51,322,000
and outstanding at march 31, 2015 and december 31, 2014
16,018,734 shares issued and outstanding at march 31, 2015 and
investment securities held to maturity, at amortized cost (fair value of 51,501 at
december 31, 2014, and 0 at december 31, 2013)																																														51,343,000
loans held for sale																																														826,000	343,000	1,979,000	821,000		421,000	6,753,000	1,724,000	3,363,000	6,471,000	3,777,000	901,000	4,089,000	3,416,000	116,000	1,041,000	4,452,000	1,041,000	1,381,000	1,152,000	7,213,000	984,000	77,000	2,229,000	1,597,000
other real estate owned																																														2,235,000	4,495,000	5,005,000	5,020,000		6,276,000	7,980,000	8,232,000	8,304,000	8,894,000	9,241,000	9,963,000	10,967,000	12,402,000	14,693,000	16,149,000	19,193,000	24,637,000	26,974,000	18,089,000	6,137,000
outstanding at december 31, 2014 and 2013
15,976,204 shares issued and outstanding at december 31, 2014 and 2013, respectively																																														3,000,000
investment securities held to maturity, at amortized cost (fair value of 51,120
at september 30, 2014 and 0 at december 31, 2013)																																															51,364,000
time of 100,000 or more																																															88,441,000	95,761,000	96,188,000		87,604,000	92,528,000	108,714,000	100,627,000	88,957,000	77,239,000	73,756,000	98,743,000	126,733,000	169,554,000	150,918,000	178,388,000	350,676,000	275,298,000	206,167,000	250,202,000	322,684,000	219,148,000	264,836,000
other short-term borrowings																																															40,000,000												1,445,000	1,542,000	1,739,000	2,914,000	1,808,000	2,081,000	1,860,000	3,262,000	50,000	1,427,000	1,500,000	1,394,000	50,674,000	40,860,000	29,000
and outstanding at september 30, 2014 and december 31, 2013
15,976,204 shares issued and outstanding at september 30, 2014 and
december 31, 2013, respectively																																															3,000,000		3,000,000
investment securities available for sale																																																337,561,000	340,494,000
and outstanding at june 30, 2014 and december 31, 2013
15,976,204 shares issued and outstanding at june 30, 2014 and december 31,
2013, respectively																																																3,000,000
and outstanding at march 31, 2014 and december 31, 2013
15,976,204 shares issued and outstanding at march 31, 2014 and
salaries and employee benefits																																																		14,532,000
occupancy																																																		3,519,000
data processing																																																		2,070,000
fdic insurance expense																																																		672,000
other real estate owned expense																																																		1,491,000
professional fees																																																		1,064,000
miscellaneous losses																																																		195,000
other expenses:
marketing																																																		268,000
business development																																																		410,000
director fees																																																		448,000
insurance expense																																																		341,000
bank service charges and investment advisory fees																																																		505,000
consulting fees																																																		582,000
deposit operations expense																																																		81,000
contributions																																																		380,000
loss on disposal of fixed assets																																																		125,000
all other																																																		2,109,000
total other																																																		5,249,000
total noninterest expense																																																		28,792,000
interest-earning assets:
loans:
commercial																																																		247,749,000
real estate																																																		696,763,000
consumer and other loans																																																		7,655,000
total loans																																																		952,167,000
investment securities:
taxable																																																		289,901,000
tax-exempt																																																		79,187,000
total investment securities																																																		369,088,000
federal funds sold and other
short-term investments																																																		45,846,000
total interest-earning assets																																																		1,367,101,000
noninterest-earning assets:
other, less allowance for
loan losses																																																		38,372,000
total noninterest-earning assets																																																		78,672,000
interest-bearing liabilities:
savings, interest-bearing
demand and money markets																																																		650,566,000
time deposits																																																		168,050,000
other borrowed funds																																																		178,119,000
total interest-bearing liabilities																																																		996,735,000
noninterest-bearing liabilities:
demand deposits																																																		312,648,000
other liabilities																																																		8,601,000
total liabilities and
net interest income/net interest spread																																																		47,567,000
net interest margin																																																		3,480
federal funds sold and other short-term investments																																																			29,400,000	5,238,000	22,534,000	111,057,000	4,120,000	76,303,000		51,332,000	7,922,000	64,537,000	105,466,000	67,885,000	257,277,000	269,625,000	123,685,000	64,254,000	213,423,000	87,188,000	6,453,000	45,494,000	5,957,000	9,555,000	24,426,000
securities available for sale																																																			359,556,000	376,328,000	385,622,000	292,314,000	311,083,000	317,958,000	306,188,000	283,145,000	247,005,000	259,800,000	260,953,000	256,326,000	287,812,000	320,660,000	212,103,000	245,840,000	175,596,000	183,936,000	169,805,000	158,516,000	242,260,000	245,645,000	253,875,000
federal funds purchased and securities sold under agreements to repurchase																																																			44,458,000	65,671,000	64,258,000	55,596,000	73,084,000	60,711,000	93,496,000	55,841,000	53,203,000	46,522,000	56,735,000	52,095,000	58,982,000	64,385,000	48,444,000	48,938,000	110,078,000	69,444,000	122,833,000	141,664,000	131,072,000	144,060,000
and outstanding at september 30, 2013 and december 31, 2012
17,403,882 shares issued and outstanding at september 30, 2013 and
december 31, 2012, respectively																																																			3,000,000
and outstanding at june 30, 2013 and december 31, 2012
17,403,882 shares issued and outstanding at june 30, 2013 and december 31,
2012, respectively																																																				3,000,000
and outstanding at march 31, 2013 and december 31, 2012
shares issued and outstanding at march 31, 2013 and december 31, 2012																																																					3,000,000
outstanding at december 31, 2012 and 2011
issued and outstanding at december 31, 2012 and 2011																																																						3,000,000
and outstanding at september 30, 2012, and december 31, 2011
shares issued and outstanding at september 30, 2012, and december 31, 2011																																																							3,000,000
and outstanding at june 30, 2012, and december 31, 2011
shares issued and outstanding at june 30, 2012, and december 31, 2011																																																								3,000,000
and outstanding at march 31, 2012, and december 31, 2011
shares issued and outstanding at march 31, 2012, and december 31, 2011																																																									3,000,000
authorized 50,000,000 shares; no shares issued and outstanding at december 31, 2011,
and 36,000 shares issued and outstanding at december 31, 2010
issued and outstanding at december 31, 2011 and 2010																																																										3,000,000
share; authorized 50,000,000 shares; no shares outstanding at september 30,
2011, and 36,000 shares issued and outstanding at december 31, 2010
shares issued and outstanding at september 30, 2011, and december 31, 2010																																																											3,000,000
share; authorized 50,000,000 shares; no shares outstanding at june 30, 2011,
shares issued and outstanding at june 30, 2011, and december 31, 2010
share; authorized 50,000,000 shares; 36,000 shares issued and outstanding at
march 31, 2011, and december 31, 2010																																																													34,629,000
shares issued and outstanding at march 31, 2011, and december 31, 2010																																																													3,000,000
authorized 50,000,000 shares; 36,000 shares issued and outstanding
at december 31, 2010 and 2009																																																														34,508,000
issued and outstanding at december 31, 2010 and 2009																																																														3,000,000
goodwill																																																																		1,894,000	24,930,000	24,930,000	24,930,000	24,930,000	24,930,000	24,930,000	24,930,000
other intangible assets																																																																	309,000	1,095,000	1,249,000	1,588,000	1,772,000	1,955,000	2,345,000	2,559,000	2,773,000
assets of discontinued operations held for sale																																																																	3,226,000
long-term borrowings																																																																	125,000,000	125,000,000	125,000,000	127,250,000	152,500,000	152,750,000	103,250,000	103,500,000	113,750,000
liabilities of discontinued operations held for sale																																																																	1,217,000
total securities																																																																				191,746,000	178,385,000	166,722,000	250,436,000	253,376,000	260,016,000
non-interest bearing demand																																																																				187,606,000			177,991,000
time, in excess of 100,000																																																																						209,650,000	172,463,000	220,414,000	283,740,000
17,536,682 shares issued and outstanding																																																																								3,000,000	3,000,000
federal funds purchased and securities sold under
agreements to repurchase																																																																									143,889,000

Cashflow Statements:

Quarterly

Annual

Unit: USD	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30	2023-06-30	2023-03-31	2022-12-31	2022-09-30	2022-06-30	2022-03-31	2021-12-31	2021-09-30	2021-06-30	2021-03-31	2020-12-31	2020-09-30	2020-06-30	2020-03-31	2019-12-31	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	2013-09-30	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	2009-06-30	2009-03-31	2008-09-30	2008-06-30	2008-03-31	2007-09-30	2007-06-30	2007-03-31

cash flows from operating activities:
net income	9,314,000	7,979,000	7,842,000	7,097,000	5,952,000	5,192,000	5,809,000	4,525,000	5,906,000	5,862,000	7,844,000	8,946,000	11,602,000	12,667,000	13,184,000	11,910,000	12,706,000	13,239,000	11,752,000	8,554,000	8,100,000	7,969,000	8,089,000	7,607,000	7,526,000	6,658,000	6,899,000	7,227,000	7,133,000	6,764,000	7,384,000	4,194,000	6,405,000	6,365,000	6,106,000	6,031,000	5,813,000	5,476,000	5,696,000	5,941,000	5,426,000	5,272,000	5,103,000	5,838,000	5,063,000	4,739,000	4,400,000	4,363,000	4,298,000	3,948,000	3,899,000	3,752,000	4,383,000	3,977,000	3,732,000	3,083,000	3,923,000	4,530,000	-22,279,000	2,941,000	-360,000	4,514,000	1,374,000	4,947,000	5,127,000	4,444,000
adjustments to reconcile net income to net cash from operating activities:
net amortization and accretion	770,000	771,000	771,000	778,000	820,000	805,000	797,000	794,000	861,000	809,000	829,000	718,000	838,000	743,000	666,000	652,000	530,000	547,000	382,000	264,000	359,000	601,000	668,000	745,000	869,000	1,006,000	1,020,000	1,230,000	1,187,000	1,276,000	1,252,000	1,234,000	1,086,000	931,000	904,000	997,000	1,073,000	1,114,000	1,106,000	1,174,000	910,000	910,000	898,000	924,000	974,000	984,000	885,000	1,151,000	1,317,000	1,353,000	1,065,000	1,000,000	1,078,000	1,160,000	926,000	779,000	704,000	733,000	248,000	230,000	289,000	275,000	193,000	361,000	375,000	384,000
stock-based compensation	700,000	701,000	585,000	659,000	638,000	637,000	575,000	710,000	845,000	845,000	711,000	869,000	869,000	862,000	757,000	647,000	648,000	645,000	633,000	596,000	595,000	609,000	512,000	785,000	784,000	793,000	631,000	737,000	738,000	737,000	529,000	700,000	709,000	709,000	514,000	406,000	406,000	411,000	461,000	335,000	335,000	318,000	178,000		177,000	172,000	107,000	107,000	102,000	63,000	63,000	40,000
increase in cash value of bank-owned life insurance	-308,000	-295,000	-282,000	-287,000	-287,000	-278,000	-274,000	-275,000	-262,000	-250,000	-257,000	-255,000	-246,000	-236,000	-227,000	-233,000	-230,000	-240,000	-220,000	-166,000	-133,000	-136,000	-158,000	-162,000	-168,000	-162,000	-152,000	-163,000	-158,000	-152,000	-158,000	-168,000	-167,000	-163,000	-154,000	-155,000	-160,000	-164,000	-168,000	-177,000	-183,000	-178,000	-189,000
depreciation	1,141,000	1,127,000	1,104,000	1,159,000	1,047,000	992,000	525,000	667,000	381,000	404,000	404,000	407,000	411,000	373,000	307,000	361,000	384,000	386,000	373,000	368,000	378,000	378,000	375,000	369,000	362,000	353,000	345,000	355,000	350,000	350,000	353,000	340,000	334,000	332,000	341,000	306,000	248,000	251,000	241,000	221,000	240,000	230,000	230,000	230,000	211,000	212,000	200,000	201,000	195,000	184,000	182,000	176,000	173,000	166,000	164,000	158,000	147,000	143,000	226,000	211,000	225,000	230,000	227,000	233,000	232,000	226,000
benefit from deferred income taxes	-119,000	-98,000	1,092,000	1,078,000	-179,000	1,551,000	532,000	240,000	-255,000	-173,000	635,000		43,000	1,061,000	824,000
change in assets and liabilities:
increase in accrued interest receivable	-737,000	512,000	-316,000	1,017,000	297,000	1,131,000	-1,689,000	17,000	-1,813,000	499,000	-296,000	-1,202,000	-1,423,000	720,000	-1,193,000	2,882,000	-357,000	1,293,000	-1,477,000	-160,000	-2,604,000	-909,000	-424,000	861,000	-58,000	640,000	-946,000	151,000	82,000	-577,000	57,000							560,000	-585,000					124,000	-202,000	158,000	-498,000	-79,000	243,000	-993,000		143,000	169,000	-552,000					-253,000	-454,000				-414,000	712,000	-1,089,000
decrease in other assets			1,195,000										-518,000																										252,000		-116,000	1,147,000	1,871,000		47,000											1,481,000	355,000	1,076,000
increase in accrued expenses and other liabilities	2,029,000			-1,137,000	3,519,000			454,000	2,906,000	90,000	-6,054,000	1,305,000	3,700,000	2,487,000	1,702,000	-296,000	1,493,000	-6,728,000	5,547,000	-646,000	-1,742,000	2,010,000	530,000	-579,000	1,614,000			-318,000				-987,000				895,000								-1,546,000							469,000				583,000	327,000			-514,000	1,447,000
net cash from operating activities	11,410,000	13,527,000	9,749,000	10,752,000	12,933,000	10,002,000	6,121,000	7,205,000	7,780,000	7,770,000	2,494,000	10,518,000	15,276,000	18,126,000	15,519,000	15,444,000	13,926,000	13,459,000	15,049,000	11,223,000	7,532,000	13,118,000	10,412,000	9,664,000	10,690,000	9,968,000	6,645,000	7,798,000	9,959,000	7,414,000	9,573,000	7,378,000	7,380,000	7,523,000	7,076,000	7,986,000	7,711,000	7,397,000	7,099,000	8,618,000	5,999,000	9,097,000	7,328,000	4,937,000	7,764,000	6,915,000	6,671,000	10,697,000	3,302,000	5,201,000	9,995,000	3,980,000	2,920,000	7,394,000	5,415,000	3,462,000	6,745,000	10,408,000	-1,426,000	5,467,000	3,630,000			6,647,000
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
free cash flows	11,410,000	13,527,000	9,749,000	10,752,000	12,933,000	10,002,000	6,121,000	7,205,000	7,780,000	7,770,000	2,494,000	10,518,000	15,276,000	18,126,000	15,519,000	15,444,000	13,926,000	13,459,000	15,049,000	11,223,000	7,532,000	13,118,000	10,412,000	9,664,000	10,690,000	9,968,000	6,645,000	7,798,000	9,959,000	7,414,000	9,573,000	7,378,000	7,380,000	7,523,000	7,076,000	7,986,000	7,711,000	7,397,000	7,099,000	8,618,000	5,999,000	9,097,000	7,328,000	4,937,000	7,764,000	6,915,000	6,671,000	10,697,000	3,302,000	5,201,000	9,995,000	3,980,000	2,920,000	7,394,000	5,415,000	3,462,000	6,745,000	10,408,000	-1,426,000	5,467,000	3,630,000			6,647,000
cash flows from investing activities:
proceeds from principal paydowns, maturities and calls of securities available for sale	10,365,000	9,807,000	10,147,000	18,625,000	12,934,000	15,107,000	9,695,000	10,484,000	11,560,000	10,665,000	9,661,000
purchases of federal home loan bank stock	-30,000	-121,000	-113,000	0	-4,050,000	-19,440,000	-34,193,000	-25,286,000	-29,800,000	-28,799,000	-31,595,000	-28,208,000	-25,881,000	-20,619,000	-384,000	-4,000	-1,464,000	-5,000	-856,000	-4,000	-2,481,000	-2,559,000	-4,294,000	-3,181,000	-1,000,000	-10,839,000	-11,539,000	-5,700,000	-3,780,000	-4,720,000	-2,134,000	-2,620,000	-4,720,000	-5,040,000	-7,034,000	-500,000	-2,740,000	-6,640,000	-7,527,000	-4,159,000	-5,241,000	-2,399,000	-8,187,000	-16,616,000	-3,237,000	-2,972,000	-6,239,000	-649,000	-856,000	-602,000	-643,000	-416,000	-640,000	-586,000	-198,000	-225,000	-247,000	-209,000	-778,000	-804,000
proceeds from redemption of federal home loan bank stock	151,000	26,000	26,000	2,066,000	7,920,000	24,556,000	30,969,000	29,020,000	25,597,000	28,537,000	28,705,000	27,222,000	23,063,000	15,356,000	80,000	1,583,000	109,000	2,230,000	165,000	186,000	2,883,000	3,991,000	3,046,000	2,375,000	141,000	11,652,000	11,937,000	3,724,000	2,921,000	5,648,000	1,178,000	5,702,000	3,545,000	6,069,000	5,695,000	2,196,000	2,712,000	6,554,000	7,621,000	5,922,000	3,199,000	2,746,000	10,747,000	15,505,000	1,405,000	2,756,000	6,174,000	1,364,000	341,000	562,000	521,000	388,000	476,000	463,000	269,000	42,000	349,000	78,000			1,106,000	700,000	1,599,000	1,780,000	222,000	98,000
net increase in loans	-42,555,000	50,127,000	-11,517,000	16,374,000	-22,450,000	-18,592,000	-52,567,000	-77,863,000	-42,693,000	-50,892,000	-13,340,000	-128,636,000	-41,032,000	-88,202,000	-29,161,000	-96,363,000	-49,984,000	-5,494,000	-23,352,000	-36,293,000	-47,697,000	-205,225,000	-52,672,000	-105,040,000	-44,007,000	-43,888,000	-26,952,000	-120,997,000	-65,858,000	-32,068,000	8,102,000	-53,523,000	-21,654,000	11,415,000	-46,550,000	-16,921,000	-2,125,000	-105,863,000	-28,128,000	-6,793,000	-22,564,000	-32,645,000	-131,000	-101,147,000	-7,082,000	-57,066,000	-28,290,000	9,554,000	-31,614,000	-9,677,000	-73,796,000	4,007,000												-6,093,000	9,332,000	-42,258,000
purchases of premises and equipment	-649,000	-764,000	-1,492,000	-2,568,000	-5,975,000	-7,265,000	-10,328,000	-11,688,000	-9,699,000	-7,836,000	-7,164,000	-9,255,000	-3,508,000	-1,597,000	-6,951,000	-2,333,000	-3,260,000	-2,187,000	-963,000	-1,714,000	-177,000	-254,000	-174,000	-340,000	-314,000	-281,000	-113,000	-124,000	-19,000	-54,000	-13,000	-189,000	-435,000	-399,000	-32,000	-2,601,000	-2,552,000	-1,672,000	-5,977,000	-671,000	-434,000	-356,000	-1,041,000	-1,541,000	-1,351,000	-929,000	-1,477,000	-29,000	-1,202,000	-387,000	-241,000	-85,000	-64,000	-645,000	-390,000	-323,000	-171,000	-97,000	-91,000	-543,000	-22,000	-302,000	-51,000	-338,000	-245,000	-106,000
net cash from investing activities	-32,718,000	59,075,000	-2,949,000	46,338,000	-11,621,000	-5,634,000	-56,424,000	-64,048,000	-45,035,000	-45,867,000	-13,733,000	-122,271,000	-30,534,000	-74,263,000	-130,763,000	-127,564,000	-193,083,000	-156,260,000	-60,304,000	-83,758,000	-86,911,000	-168,358,000	-28,136,000	-96,266,000	-55,775,000	-1,483,000	-1,975,000	-102,782,000	-15,240,000	-77,301,000	6,597,000	-80,896,000	-120,350,000	-45,577,000	-47,142,000	-7,648,000	9,010,000	-85,483,000	-21,318,000				15,077,000	-87,087,000	-11,662,000	-56,677,000	-21,303,000	22,528,000	-30,955,000	-105,308,000	-55,618,000	12,565,000	-22,494,000	-33,913,000	-9,892,000	-14,790,000	-2,303,000	54,751,000	-76,646,000	-14,770,000	-52,154,000	-75,692,000	47,844,000	-3,000,000	13,817,000	-40,842,000
cash flows from financing activities:
net increase in deposits	-85,476,000	67,475,000	-33,078,000	79,043,000	97,631,000	115,892,000	91,251,000				-82,015,000	57,561,000	-19,604,000	-248,801,000	75,247,000	279,082,000	-88,366,000	143,196,000	-18,901,000	404,214,000	41,071,000	235,584,000	5,369,000	-10,051,000	59,020,000	57,464,000	13,794,000	55,237,000	-52,637,000			159,547,000	76,191,000	46,321,000	-17,851,000	54,949,000	-18,606,000	64,515,000	5,018,000	53,593,000	20,526,000	1,190,000	94,958,000	65,200,000	-57,170,000	26,412,000	72,178,000	41,253,000	11,084,000	-21,121,000			58,104,000	11,657,000	38,834,000	-43,394,000	11,859,000	-21,998,000
net decrease in federal funds purchased and other short-term borrowings
principal payments on long-term debt	-1,250,000	-1,250,000	-1,250,000	-1,250,000	-1,250,000	-1,250,000	-1,250,000	-1,250,000	-1,250,000			0	0	0	-35,000	-633,000	-2,632,000	-633,000	-639,000	-654,000	-654,000	-29,000	-29,000	-29,000	-28,000	-2,029,000	-2,029,000	-2,028,000	-2,029,000	-2,028,000	-1,278,000	-1,278,000	-1,278,000	-828,000	-828,000	-828,000	-828,000	-815,000	-815,000	-1,315,000	-1,316,000	-815,000	-815,000
common stock dividends paid	-4,235,000	-4,236,000	-4,208,000	-4,208,000	-4,209,000	-4,208,000	-4,181,000	-4,181,000	-4,182,000	-4,181,000	-4,160,000	-4,160,000	-4,160,000	-4,160,000	-4,139,000	-3,973,000	-3,974,000	-3,973,000	-3,623,000	-3,458,000	-3,459,000	-3,458,000	-3,440,000	-3,440,000	-3,439,000	-3,440,000	-3,259,000	-3,259,000	-3,259,000	-3,259,000	-2,919,000	-2,919,000	-2,919,000	-2,918,000	-2,743,000	-2,743,000	-2,743,000	-2,743,000	-2,571,000	-2,570,000	-2,570,000	-2,570,000	-2,242,000	-2,242,000	-1,922,000	-1,920,000	-1,758,000	-1,757,000	-1,741,000	-1,740,000	-1,740,000	-1,741,000	-1,393,000	-1,391,000	-1,219,000	-870,000
restricted stock units withheld for payroll taxes	0	0	-1,132,000	0	0	0	-1,087,000	0	0	0	-935,000	0	0	0	-1,519,000	0	0	0	-1,213,000	0	0	0	-749,000	0	0	0	-861,000	0	0	0	-1,076,000	0	-78,000	0	-553,000	0	-46,000	0	-348,000	0	-46,000	0	-179,000	0
net cash from financing activities	-90,961,000	61,989,000	-39,668,000	28,585,000	6,672,000	-2,566,000	132,963,000	101,579,000	26,132,000	47,361,000	7,180,000	78,901,000	47,709,000	-61,178,000	66,674,000	272,476,000	-59,197,000	88,135,000	-25,691,000	403,127,000	28,553,000	205,512,000	30,831,000	10,605,000	81,808,000	36,540,000	-4,605,000	115,176,000	-32,540,000	97,524,000	-26,653,000	81,970,000	105,681,000	42,310,000	5,760,000	25,648,000	-14,015,000	69,507,000	-1,709,000	9,808,000	71,375,000	272,000	26,773,000	87,247,000	-19,993,000	22,191,000	58,353,000	17,505,000	11,747,000	-14,199,000	175,270,000	-87,576,000	23,926,000	47,921,000	38,808,000	-38,380,000	-36,091,000	-18,983,000	-75,865,000	54,510,000	98,806,000	32,860,000	-7,441,000	-5,717,000	-38,362,000	56,867,000
net increase in cash and cash equivalents	-112,269,000	134,591,000	-32,868,000	85,675,000	7,984,000	1,802,000	82,660,000									160,356,000	-238,354,000	-54,666,000	-70,946,000	330,592,000	-50,826,000	50,272,000	13,107,000	-75,997,000	36,723,000	45,025,000	65,000									25,986,000	2,706,000	-8,579,000	-15,928,000	17,865,000	-27,282,000	-6,891,000	49,178,000			-27,571,000	43,721,000		-15,906,000	-114,306,000			4,352,000	21,402,000			-31,649,000	46,176,000	-153,937,000	45,207,000	50,282,000	-33,741,000	45,908,000		-18,473,000	19,679,000
cash and cash equivalents:
beginning	0	0	243,478,000	0	0	0	65,357,000	0	0	0	26,539,000	0	0	0	192,825,000	0	0	0	396,435,000	0	0	0	53,290,000	0	0	0	47,474,000	0	0	0	47,949,000	0	0	0	76,836,000	0	0	0	72,651,000	0	0	0	39,781,000	0	0	0	42,425,000	0	0	171,474,000	0	0	0	87,104,000	0	0	0	87,954,000	0	196,969,000	0	0	49,943,000	0	0	35,678,000
ending	-112,269,000	134,591,000	210,610,000	85,675,000	7,984,000	1,802,000	148,017,000	44,736,000	-11,123,000	9,264,000	22,480,000	-32,852,000	32,451,000	-117,315,000	144,255,000	160,356,000	-238,354,000	-54,666,000	325,489,000	330,592,000	-50,826,000	50,272,000	66,397,000	-75,997,000	36,723,000	45,025,000	47,539,000	20,192,000	-37,821,000	27,637,000	37,466,000	8,452,000	-7,289,000	4,256,000	42,530,000	25,986,000	2,706,000	-8,579,000	56,723,000	17,865,000	-27,282,000	-6,891,000	88,959,000	5,097,000	-23,891,000	-27,571,000	86,146,000	50,730,000	-15,906,000	57,168,000	129,647,000	-71,031,000	4,352,000	108,506,000	34,331,000	-49,708,000	-31,649,000	134,130,000
supplemental disclosures of cash flow information:
cash payments for:
interest	24,802,000	27,614,000	24,910,000	32,292,000	28,031,000	31,085,000	25,588,000	26,504,000	22,065,000	22,762,000	16,515,000	13,609,000	7,733,000	4,308,000	3,218,000	3,045,000	3,097,000	2,968,000	3,531,000	3,497,000	3,657,000	4,609,000	6,768,000	7,766,000	8,079,000	8,233,000	7,414,000	6,683,000	6,014,000	5,261,000	4,196,000	3,853,000	3,306,000	3,000,000	2,361,000		1,986,000	1,945,000	1,811,000				1,569,000				1,516,000			1,710,000				2,625,000			3,073,000	3,508,000			8,307,000	6,726,000	9,318,000	10,078,000	12,229,000	10,570,000
income taxes	2,020,000			550,000	30,000			1,830,000	1,640,000			3,140,000	3,600,000			4,160,000	3,690,000			3,600,000	6,570,000			2,600,000	1,720,000			2,490,000	2,802,000			2,890,000	2,630,000				2,640,000						40,000				35,000			775,000				286,000			1,551,000	451,000			0			2,347,000
increase in other assets				-1,784,000	1,126,000	-1,054,000	262,000	-858,000	-989,000	375,000	-1,322,000				249,000	-181,000	-871,000	6,053,000	-2,883,000	-259,000	-112,000	332,000	-451,000	-97,000	-243,000	93,000	-782,000	-1,395,000	109,000	-1,055,000	-149,000	256,000			-418,000												669,000	-1,153,000	1,998,000	-428,000	215,000	168,000	-66,000	-433,000
decrease in accrued expenses and other liabilities			-2,242,000				-416,000																				-682,000			-130,000	-124,000							-307,000	-39,000							787,000	-971,000		568,000	-867,000			-267,000	-450,000				-276,000					-893,000
net increase in federal funds purchased and other short-term borrowings				0			48,230,000	-111,240,000	77,360,000	-45,140,000	29,290,000
credit loss expense								500,000
securities losses																																																						33,000
gain from bank-owned life insurance								0	0																							0	0	0	-307,000	0	0	0	-443,000												0	0			0	0	0	-637,000
proceeds from sales of securities available for sale																0	1,413,000	10,186,000	18,775,000		54,631,000	39,504,000	39,077,000		11,095,000	83,068,000	62,274,000		56,924,000				21,204,000	44,021,000	8,999,000	1,510,000	0			0	0	6,889,000	10,057,000
purchases of securities available for sale												0	0	0	-120,077,000	-60,396,000	-162,528,000	-185,566,000	-72,650,000		-108,792,000	-22,558,000	-27,190,000		-35,764,000	-51,716,000	-47,068,000		-19,374,000	-66,796,000	-10,000,000		-128,697,000	-117,328,000	-21,108,000					-9,853,000	-91,791,000	-5,073,000	-10,107,000	0	-20,632,000	-5,563,000	-41,575,000	-5,278,000	-23,971,000	-114,135,000	-3,054,000	-10,655,000	-38,552,000	-45,925,000	-54,167,000	-29,951,000	-7,997,000	-17,208,000	-78,723,000	-59,802,000	-23,393,000	-37,165,000	-10,818,000	-2,714,000	-1,017,000	-1,142,000
proceeds of principal and earnings from bank-owned life insurance								0	0																							1,000	0	0	451,000	0	0	191,000	621,000												0				0				0	1,493,000
net increase in federal home loan bank advances								0	35,000,000	60,000,000	65,000,000									0
proceeds from issuance of subordinated debt, net of issuance costs													-27,000
supplemental disclosure of cash flow information:
securities (gains) losses																		-36,000	-4,000
proceeds from long-term debt																																0	0
net decrease in deposits									-80,796,000																						-72,655,000
net decrease in cash and cash equivalents											-4,059,000		32,451,000	-117,315,000	-48,570,000																-10,483,000																								34,331,000
benefit from loan losses												0	0	-1,750,000	-750,000	0	0	-2,000,000	500,000	4,000,000	4,000,000	3,000,000	1,000,000	300,000				0	-400,000	0	150,000					100,000	200,000	500,000	200,000	450,000	200,000			500,000	100,000			-1,000,000	0	150,000	325,000				-400,000	0	450,000	500,000	15,000,000	3,500,000		1,000,000	5,600,000
securities gains																																																											0	-1,453,000
benefit for deferred income taxes																-298,000	-366,000				-1,153,000
proceeds from maturities and calls of securities available for sale												16,606,000	16,824,000	20,799,000	25,730,000	29,949,000	22,631,000	24,576,000	18,577,000		21,922,000	18,743,000	14,071,000																	12,766,000	12,175,000	14,578,000	10,146,000
purchase of bank-owned life insurance																				0																								0	0
net increase in federal funds purchased												-4,500,000	71,500,000			-36,500,000	35,775,000	-455,000	-1,315,000			-26,585,000	29,680,000	-875,000	1,255,000	-15,455,000	-2,250,000	-6,260,000	25,385,000	-50,960,000	51,275,000							-445,000	-1,075,000			2,810,000	1,125,000
proceeds from subordinated notes
net decrease in federal home loan bank advances																	0
supplemental disclosure of noncash investing and financing activities:
purchase of securities available for sale, pending settlement
net decrease in federal funds purchased															-2,880,000
gain on sale of premises																								0	0	0	-307,000
proceeds from sale of premises																								0	0	0	604,000
supplemental disclosure of noncash investing activities:
establishment of lease liabilities and right-of-use assets
deferred income taxes																			446,000				265,000	-188,000	-295,000	-81,000	531,000	-186,000	-295,000	-157,000	279,000	2,420,000	-277,000	240,000	450,000	-164,000	-120,000	-87,000	460,000	377,000	-414,000	-46,000	165,000	619,000	-970,000	17,000	869,000	200,000	-27,000	309,000	-195,000	-93,000	510,000	417,000	-38,000	-307,000	317,000	759,000	-8,339,000	-1,384,000	-2,219,000	1,429,000	-1,968,000	117,000	32,000	-85,000
investment securities (gains) losses																				4,000								160,000	78,000
write-down of premises																												0	0
proceeds from sales of investment securities available for sale
proceeds from maturities and calls of investment securities																								13,278,000	14,074,000	10,521,000	8,882,000	11,054,000	13,946,000	11,473,000	9,464,000	9,252,000	10,407,000	15,685,000	12,437,000	12,168,000	13,715,000	20,403,000	12,072,000
purchases of investment securities available for sale
transfer of investment securities held to maturity to available for sale																													0	0	45,527,000
establishment of lease liability and right-of-use asset																									0	343,000	10,092,000
investment securities losses																						69,000	6,000		-1,000	-23,000	88,000								3,000
net (decrease) in federal home loan bank advances
principal payments on federal home loan bank advances																									-50,000,000	-50,000,000	-60,000,000
proceeds from federal home loan bank advances																									75,000,000	50,000,000	50,000,000
investment securities gains																																97,000	-197,000			-6,000	0			0	0	-36,000	-11,000	493,000	-210,000	0	-506,000				0	0
gain on sale of loans held for sale																																								0
proceeds from sales of loans held for sale																																								0	0	0	840,000	14,064,000	20,731,000	17,831,000	10,688,000	26,063,000	23,709,000	29,503,000	43,592,000	34,589,000	26,463,000	27,292,000	32,256,000	16,289,000	10,183,000	12,545,000	19,281,000	19,762,000	8,301,000	9,853,000	7,081,000	4,739,000	2,936,000	1,269,000
proceeds from sales of other real estate owned
proceeds from settlement of other assets																																								0	0	0	3,593,000
interest rate swap termination costs paid																																								0	0	-383,000	-158,000
(increase) in accrued interest receivable																																	-1,243,000	192,000	-264,000	-91,000							-689,000
net (decrease) in federal funds purchased																																	-235,000	-265,000	-8,265,000
net increase in short-term borrowings																																	34,000,000	-22,000,000	36,000,000	-34,500,000	8,500,000			-40,000,000
net (decrease) in cash and cash equivalents																																	-7,289,000	4,256,000	-34,306,000
(increase) in other assets
(decrease) in accrued expenses and other liabilities																																		-1,015,000	-99,000							589,000	-971,000
(gain) loss on disposition of premises and equipment																																								2,000	0	3,000	1,000	-1,068,000	9,000	0	-10,000				1,000	1,000	119,000	4,000
originations of loans held for sale																																												-14,254,000	-18,696,000	-18,627,000	-9,086,000	-19,439,000	-28,713,000	-27,379,000	-39,643,000	-36,594,000	-28,890,000	-23,469,000	-31,608,000	-19,588,000	-9,259,000	-9,090,000	-25,511,000	-19,727,000	-6,015,000	-10,354,000	-6,732,000	-5,270,000	-3,221,000	-1,371,000
write-down of other real estate owned																																												1,440,000	0	50,000	296,000				239,000	195,000	885,000	123,000	898,000	1,718,000
excess tax benefits from vesting of restricted stock units																																				0	-28,000	5,000	-82,000	0	-31,000	-40,000	-84,000	0	-214,000	70,000	28,000
proceeds from sales of premises and equipment																																												3,000,000	0	0	13,000								0	0	15,000	36,000					10,000
loss on disposition of premises and equipment																																																1,000	0	6,000									2,000	1,000
purchase of security available for sale, pending settlement
net decrease in short-term borrowings																																							-2,000,000			0	-66,000,000
adjustments to reconcile net income to net cash from
operating activities:
(gain) loss on sales of other real estate owned
repurchase and cancellation of common stock																																																0
gain on sales of other real estate owned																																													-11,000
net cash (used in) investing activities
gain on sale of loans																																										0	-14,000	-293,000	-399,000	-362,000	-193,000	-156,000	-161,000	-485,000	-841,000	-689,000	-449,000	-635,000
decrease (increase) in accrued interest receivable																																																										248,000			-1,128,000	741,000	889,000
net (used in) investing activities
transfer of loans to other real estate owned																																															143,000							114,000			353,000	780,000
investment securities impairment loss
stock-based compensation costs
payments for other real estate owned improvements
west bancorporation, inc. and subsidiaryconsolidated statements of cash flows (continued)years ended december 31, 2014, 2013 and 2012
net decrease in federal funds purchased and securities
sold under agreements to repurchase																																																								6,681,000
net increase in other short-term borrowings																																												26,000,000
prepayment fees on federal home loan bank advances
supplemental disclosure of noncash investing and
financing activities:
transfer of investment securities available for sale to investment
securities held to maturity
transfer of investment securities available for sale to other
assets, sale not settled
sale of other real estate owned financed by issuance of a loan
purchase of premises financed by issuance of long-term debt
increase in value of bank-owned life insurance																																													-198,000	-182,000	-154,000	-162,000	-170,000	-160,000	-166,000	-181,000	-191,000	-199,000	-217,000	-223,000	-223,000	-221,000	-181,000	-182,000	-248,000	-257,000	-192,000	-226,000	-219,000	-216,000
proceeds from sales, calls and maturities of securities available for sale																																													18,637,000	11,976,000	49,447,000	16,770,000	26,088,000	18,856,000
net proceeds from sales of other real estate owned																																													598,000	121,000	644,000	796,000	259,000	75,000	522,000	323,000	219,000	256,000	-159,000	988,000	1,713,000	3,599,000
net decrease in federal funds purchased and securities sold under
agreements to repurchase																																													-70,000	-1,455,000	-11,227,000	-21,213,000	1,413,000	8,662,000				37,655,000				4,640,000								34,543,000
proceeds from long-term borrowings																																																-765,000													0	25,000,000	50,000,000	0	0	30,000,000
principal payments on long-term borrowings																																													-814,000	-816,000	-814,000														-25,250,000	-25,250,000	-250,000	-250,000	-10,250,000	-1,650,000
net increase in federal funds purchased and securities sold under
tax withholding related to net share settlements of restricted stock units																																														-100,000	-54,000
gain on sale of other real estate owned																																															-25,000	-108,000	-57,000	-3,000	-5,000	-4,000	-19,000	-86,000	22,000	-71,000	-45,000	-245,000
investment securities impairment losses																																																			24,000	6,000	127,000	46,000	77,000				275,000	1,415,000
adjustments to reconcile net income to net cash from operating
activities:
decrease in accrued interest receivable
proceeds from sales, calls, and maturities of securities available for sale																																																			21,073,000	17,430,000	27,082,000	22,021,000	16,722,000	42,684,000	12,055,000	13,265,000	8,515,000	65,971,000	7,778,000	20,568,000	83,608,000	8,468,000	6,073,000	4,551,000
west bancorporation, inc. and subsidiaryconsolidated statements of cash flows (continued)years ended december 31, 2012, 2011, and 2010
net increase in federal funds purchased and securities sold
under agreements to repurchase
prepayment fees on long-term borrowings
preferred stock dividends paid																																																							0	0	-670,000	-450,000
redemption of preferred stock																																																							0	0
repurchase of common stock warrant																																																							0
net increase in federal funds purchased and securities sold under agreements to repurchase
net decrease in other short-term borrowings																																																								-97,000	-197,000	-1,175,000
net increase in federal funds purchased and securities sold under agreements to
repurchase
net change in loans																																																						-9,497,000					-7,073,000	-23,675,000		-56,724,000	-23,199,000
sale of oreo financed by issuance of a loan																																																						800,000
adjustments to reconcile net income to net cash provided by
goodwill impairment of banking operations
goodwill impairment of discontinued operations
other																																																												429,000
decrease (increase) in other assets
net cash from operating activities - continuing operations
net cash from operating activities - discontinued operations
net cash from investing activities -
continuing operations
net cash from investing activities - discontinued operations
west bancorporation, inc. and subsidiaryconsolidated statements of cash flows (continued)years ended december 31, 2011, 2010, and 2009
preferred stock issuance costs																																																											-2,000	-63,000
net cash from financing activities -
net cash from financing activities - discontinued operations
transfer of other real estate owned to loans
sale of wb capital management inc. in exchange for a note receivable
gain on disposition of premises and equipment																																																								3,000	-4,000	-9,000
net decrease in loans																																																								-29,197,000	-8,020,000	55,287,000
net increase in federal funds purchased and securities
bank-owned life insurance death benefit receivable
writedown of other real estate owned																																																										352,000
net cash (used in) investing activities - discontinued operations
net change in deposits																																																											-17,311,000	39,418,000	180,302,000	54,620,000	-27,074,000	514,000	-66,310,000	-1,320,000
net change in federal funds purchased and securities sold under
net change in other short-term borrowings																																																											3,212,000	-195,000	-73,000	106,000	-1,278,000	9,813,000	40,832,000	-1,900,000
proceeds from preferred shares and common stock warrant issued
payment for shares reacquired under common stock repurchase plan																																																													0	0	-788,000
common stock cash dividends																																																											-174,000	-1,392,000
goodwill impairment
proceeds from bank-owned life insurance																																																											0	-840,000
net proceeds from the sale of other real estate owned
net change in federal funds purchased and securities sold under agreements to repurchase																																																											-61,140,000	16,967,000	-53,389,000	-18,831,000	-25,266,000
end																																																											-153,937,000	242,176,000	50,282,000	-33,741,000	95,851,000	-2,070,000	-18,473,000	55,357,000
net proceeds for the sale of other real estate owned																																																												2,161,000
preferred stock dividends																																																												-225,000
common stock:
beginning of year balance																																																																0	0	3,000,000
end of period balance																																																																0	0	3,000,000
additional paid-in capital:
retained earnings:
dividends on common stock; per share amounts 2008 and 2007 - 0.48
shares reacquired under the common stock repurchase plan
accumulated other comprehensive loss:
unrealized gains on securities, net of tax																																																																1,550,000	-1,861,000	443,000
total stockholders' equity																																																																3,691,000	461,000	115,893,000
other comprehensive income, unrealized gains on securities, net of reclassification adjustment, net of tax
comprehensive income																																																																6,497,000	3,266,000	4,887,000
provision for loan losses																																																																500,000	350,000	300,000
loss on disposition of fixed assets																																																													0	7,000	16,000	7,000	26,000	2,000
net gains from sales of securities available for sale																																																															-5,000
net gains from sales of loans held for sale																																																													-133,000	-135,000	-85,000	-49,000	-25,000	-13,000
(decrease) increase in accrued expenses and other liabilities
acquisition of federal home loan bank stock																																																													-335,000	-1,075,000	-3,854,000	-2,225,000	-1,812,000	-1,393,000
change in other assets																																																													2,719,000	-1,694,000	549,000	-1,878,000	1,235,000	-592,000
cash dividends																																																													-2,784,000	-2,785,000	-2,785,000	-2,806,000	-2,805,000	-2,806,000
supplemental disclosures of cash flow information
net (gains) losses from sales of securities available for sale
proceeds from sale of premises and equipment
net cash from operating activites																																																															5,505,000			3,654,000
dividends on common stock; per share amounts 2007 - 0.48 and 2006 - 0.465
purchase of fractional shares resulting from stock dividend
net losses from sales of securities available for sale																																																																-11,000	13,000	-4,000
dividends on common stock; per share amounts
2007 - 0.32 and 2006 - .304
west bancorporation, inc. and subsidiaries
consolidated statements of comprehensive income
other comprehensive income, unrealized gains
(losses) on securities, net of reclassification adjustment,
net of tax																																																																	-1,861,000	443,000
consolidated statements of cash flows
increase (decrease) in accrued expenses and other liabilities																																																																	-266,000	-193,000
net change in federal funds purchased and securities sold
2007 - 0.16 and 2006 - 0.152																																																																		-2,806,000

West Bancorporation, Inc(NASDAQ:WTBA)

West Bancorporation, Inc
(NASDAQ:WTBA)