WTFC Stock Cash Flow Statements

Wintrust Financial Quarterly Cash Flow Statements Chart

Quarterly

Annual

Stock-Based Compensation

Operating Cash Flow

Investing Cash Flow

Financing Cash Flow

Wintrust Financial Quarterly Cash Flow Statements Table

Quarterly

Annual

Unit: USD	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	2015-09-30	2014-12-31	2012-03-31	2011-12-31	2011-09-30	2011-06-30	2011-03-31	2010-12-31	2010-09-30	2010-06-30	2010-03-31	2009-12-31	2009-09-30	2009-06-30	2009-03-31	2008-12-31	2008-09-30	2008-06-30	2008-03-31	2007-12-31	2007-09-30	2007-06-30	2007-03-31	2006-09-30	2006-06-30	2006-03-31

operating activities:
net income	195,527,000	189,039,000	185,362,000	170,001,000	152,388,000	187,294,000	123,480,000	164,198,000	154,750,000	180,198,000	144,817,000	142,961,000	94,513,000	127,391,000	98,757,000	109,137,000	105,109,000	153,148,000	101,204,000	107,315,000	21,659,000	62,812,000	85,964,000	99,121,000	81,466,000	89,146,000	79,657,000	91,948,000	89,580,000	81,981,000	68,781,000	65,626,000	64,897,000	58,378,000	54,608,000	53,115,000	50,041,000	49,111,000	38,355,000	38,133,000	23,210,000	19,221,000	30,202,000	11,750,000	16,402,000	14,204,000	20,098,000	13,010,000	16,017,000	28,167,000	31,995,000	6,549,000	6,358,000	1,955,000	-2,448,000	11,276,000	9,705,000	15,643,000	9,919,000	15,410,000	14,681,000	14,859,000	17,611,000	19,013,000
adjustments to reconcile net income to net cash from operating activities
benefit from credit losses	22,234,000	23,963,000	16,979,000	22,334,000	40,061,000	21,673,000	42,908,000	19,923,000	28,514,000	23,045,000	47,646,000	6,420,000	20,417,000	4,106,000	9,299,000	-7,916,000	-15,299,000	-45,347,000	1,180,000	25,026,000	135,053,000	52,961,000	7,826,000	10,834,000	24,580,000	10,624,000	10,401,000	11,042,000	5,043,000	8,346,000	7,772,000	7,896,000	8,891,000	5,209,000	7,350,000	9,571,000	9,129,000	8,034,000	8,322,000	6,133,000	17,400,000	18,817,000	29,290,000	29,187,000	25,344,000	28,794,000	25,528,000	41,298,000	29,044,000	38,603,000	91,193,000	23,663,000	14,473,000	14,456,000	24,129,000	10,301,000	8,555,000	6,217,000	4,365,000	2,490,000	1,807,000	1,886,000	1,743,000	1,536,000
depreciation, amortization and accretion	30,864,000	29,488,000	29,195,000	25,742,000	23,678,000	21,464,000	22,173,000	27,594,000	16,199,000	18,798,000	17,344,000	19,539,000	20,661,000	24,526,000	26,408,000	23,904,000	25,924,000	25,561,000	25,074,000	24,157,000	23,762,000	23,376,000	23,524,000	21,516,000	22,125,000	21,197,000	18,757,000	16,922,000	16,103,000	15,883,000	16,593,000	16,556,000	15,521,000	14,437,000	14,350,000	11,502,000	13,686,000	13,610,000
stock-based compensation expense	10,164,000	10,411,000	10,540,000	9,461,000	8,950,000	9,157,000	8,963,000	8,129,000	8,108,000	8,295,000	7,896,000	8,963,000	6,998,000	7,891,000	6,740,000	3,243,000	3,332,000	2,862,000		1,255,000	541,000	-2,819,000	3,026,000	1,995,000	2,965,000	3,318,000	3,150,000	3,248,000	3,415,000	3,683,000	4,698,000	2,414,000	2,828,000	2,918,000	2,525,000	2,026,000	2,268,000	2,484,000	2,531,000	2,000,000	2,289,000	2,259,000	1,399,000	940,000	1,094,000		2,016,000	1,091,000	1,414,000		1,701,000	1,659,000	1,772,000		2,670,000	2,444,000	2,498,000
accretion of discount/premium on securities
accretion of discount and deferred fees on loans	-4,433,000	-5,908,000	-7,108,000	-4,749,000	-3,526,000	-3,601,000	-3,838,000	-4,038,000	-4,804,000	-4,263,000	-2,328,000	-3,277,000	-6,420,000	-7,540,000	-15,021,000	-20,438,000	-26,640,000	-21,335,000		-19,147,000
mortgage servicing rights fair value changes	9,582,000	12,150,000	-7,469,000	24,658,000	4,658,000	-3,210,000							-2,309,000	-37,349,000	830,000	9,482,000	14,080,000	-7,877,000
non-designated derivatives fair value changes	18,696,000	56,603,000	6,528,000	64,073,000	-11,551,000	1,985,000	-2,777,000	1,817,000	717,000	-2,805,000	734,000	1,193,000	3,810,000	-4,046,000	-191,000	-137,000	482,000	-723,000
originations and purchases of mortgage loans held-for-sale	-681,546,000	-460,453,000	-660,338,000	-766,777,000	-722,186,000	-475,613,000	-429,880,000	-552,049,000	-614,270,000	-366,006,000	-421,751,000	-660,747,000	-829,109,000	-887,393,000	-1,298,871,000	-1,558,928,000	-1,724,011,000	-2,221,967,000	-2,351,244,000	-2,226,575,000	-2,210,810,000	-1,216,101,000	-1,245,382,000	-1,420,275,000	-1,153,800,000	-678,464,000	-927,780,000	-1,152,433,000	-1,096,373,000	-778,852,000	-879,400,000	-955,960,000	-1,134,258,000	-722,467,000	-1,177,871,000	-1,259,578,000	-1,212,242,000	-736,648,000	-973,664,000	-909,765,000	-714,655,000	-883,017,000	-641,742,000	-458,538,000	-562,088,000	-1,250,247,000							-1,245,129,000	-263,124,000	-344,184,000	-483,761,000	-462,860,000	-287,094,000	-589,235,000	-587,684,000	-485,729,000	-489,192,000	-504,191,000	-407,889,000
early buy-out exercises of mortgage loans held-for-sale guaranteed by u.s. government agencies, net of subsequent paydowns or payoffs	1,989,000	5,255,000	-639,000	-18,662,000	12,666,000	-16,562,000	-35,277,000	-20,567,000	36,224,000	-6,334,000	10,553,000	26,317,000	47,353,000	-4,065,000	9,835,000
proceeds from sales of mortgage loans held-for-sale	679,106,000	470,250,000	784,735,000	740,962,000	637,289,000	446,262,000	462,344,000	600,824,000	533,537,000	366,509,000	481,668,000	748,460,000	830,843,000	1,085,471,000	1,427,016,000	1,656,885,000	2,021,558,000	2,336,246,000	2,415,837,000	2,173,321,000	2,073,799,000	961,842,000	1,366,736,000	1,382,039,000	1,030,278,000	705,785,000	1,016,310,000	1,290,320,000	1,073,921,000	696,336,000	952,769,000	987,498,000	1,060,946,000	867,924,000	1,357,666,000	1,285,632,000	999,267,000	826,419,000	1,148,450,000	942,386,000	699,315,000	791,766,000	588,777,000	414,410,000	843,209,000	1,225,335,000	1,017,576,000	664,435,000	816,427,000	883,582,000	1,078,198,000	1,442,455,000	1,099,747,000	273,317,000	397,041,000	471,692,000	473,723,000	287,424,000	616,532,000	572,853,000	520,636,000	504,791,000	458,800,000	432,019,000
bank owned life insurance (“boli”) gains	-2,257,000	-796,000		-1,517,000
decrease in trading securities	0	4,072,000				2,523,000				1,025,000																		174,000													1,350,000																386,000		-431,000			-4,000
decrease (increase) in brokerage customer receivables	0	18,102,000									3,940,000	1,200,000	1,361,000	3,180,000
gains on mortgage loans sold	-14,695,000	-13,766,000	1,548,000	-22,338,000	-13,640,000	-12,000,000	-9,961,000	-3,644,000	-13,338,000	-10,795,000	-6,369,000	-5,885,000	-10,447,000	-20,690,000	-35,158,000	-46,915,000	-46,812,000	-85,200,000	-78,505,000	-105,514,000	-103,974,000	-51,134,000	-38,976,000	-45,545,000	-32,698,000	-18,388,000	-24,172,000	-31,626,000	-30,283,000	-18,917,000	-21,460,000	-23,692,000	-27,500,000	-16,047,000	-38,535,000	-31,432,000	-26,727,000	-16,287,000	-24,508,000	-20,608,000	-14,464,000
gains on premium financing receivables sold			0	0			0
(gains) losses on investment securities, net, and dividend reinvestment on equity securities
losses (gains) on sales of premises and equipment	236,000	173,000								93,000								29,000					49,000						-7,000	25,000
losses (gains) on sales and fair value adjustments of other real estate owned								21,000	1,000	99,000
decrease (increase) in accrued interest receivable and other assets	-17,494,000	107,816,000													66,086,000	-21,543,000	33,646,000	109,554,000																3,635,000																														107,773,000
increase in accrued interest payable and other liabilities			206,674,000	-339,229,000			7,909,000	27,459,000	183,068,000	-53,830,000	116,143,000	51,429,000	156,762,000	53,062,000									-3,072,000	-58,059,000	68,547,000	-19,314,000	-90,167,000	-29,208,000	79,517,000	12,857,000	111,850,000	-58,706,000	60,897,000	-83,348,000	82,176,000	-39,674,000	58,569,000	12,187,000												-28,026,000	33,196,000	-5,593,000	-2,004,000	-14,641,000	-5,122,000	8,239,000	15,846,000	15,711,000			-13,307,000	31,458,000	-28,676,000	24,003,000
net cash from operating activities	329,156,000	119,754,000	490,818,000	-61,626,000	221,240,000	71,125,000	247,927,000	88,257,000	339,751,000	68,441,000	319,828,000	231,848,000	365,300,000	458,024,000	399,871,000	82,238,000	431,982,000	216,781,000	-95,313,000	-53,485,000	10,143,000	-379,810,000	288,948,000	-45,184,000	-65,456,000	87,685,000	116,081,000	158,377,000	80,366,000	22,358,000	252,659,000	23,641,000	-5,000,000	129,741,000	392,085,000	9,654,000	-159,020,000	66,362,000	91,549,000	77,161,000	108,200,000	8,587,000	-18,539,000	24,555,000	351,084,000	9,244,000	7,820,000	27,244,000	161,136,000	-68,903,000	-56,785,000	-578,880,000	-136,460,000	14,541,000	64,902,000	23,774,000	48,074,000	34,189,000	53,063,000	-17,219,000	45,343,000	76,759,000	-56,388,000	172,884,000
investing activities:
proceeds from calls and sales of available-for-sale securities			551,159,000	527,829,000	0	690,866,000
proceeds from payments and maturities of available-for-sale securities	124,086,000	135,124,000	227,891,000	167,168,000	111,187,000	82,418,000
proceeds from payments, maturities and calls of held-to-maturity securities	62,187,000	48,565,000	63,874,000	78,277,000	53,688,000	46,588,000	53,267,000
proceeds from sales of equity securities with readily determinable fair value	0	5,000,000	0	0	6,792,000	45,000,000	0	0	0	23,592,000	10,000,000	3,000,000	0	18,753,000	0	3,500,000	4,750,000	1,509,000	0	2,500,000	4,000,000	30,000	3,000,000	5,200,000			0
proceeds from sales and capital distributions of equity securities without readily determinable fair value			0	0	0	2,226,000	0	0	0	67,000	98,000	703,000	279,000	250,000	218,000	1,330,000	751,000	386,000	166,000	1,247,000	156,000	288,000	303,000	852,000	389,000	220,000	644,000	64,000
purchases of available-for-sale securities	-985,734,000	-601,365,000	-631,660,000	1,721,000	-73,549,000	-1,045,047,000	-513,298,000	-371,544,000	-363,289,000	-996,433,000	-1,323,901,000	-213,954,000	-228,023,000	-996,293,000	-159,998,000	-391,589,000	-259,059,000	-31,524,000	-724,582,000	-225,259,000	-8,722,000	-1,039,817,000	-1,128,268,000	-227,297,000	-304,893,000	-566,376,000	-318,051,000	-301,326,000	-141,999,000	-333,999,000	-327,788,000	-261,033,000	-61,018,000	-124,227,000	-229,620,000	-1,642,553,000	-1,487,200,000	-39,267,000	-230,926,000	-653,306,000	-952,853,000	-1,071,976,000	-943,589,000	-531,100,000	-541,199,000	-406,796,000	-461,423,000	-640,873,000	-507,544,000	-303,773,000	-393,266,000	-255,397,000	-1,504,650,000	-347,926,000	-183,761,000	-919,748,000	-400,110,000	-186,122,000	-79,376,000	-98,771,000	-222,548,000	-146,876,000	-238,162,000	-395,182,000
purchases of equity securities with readily determinable fair value	0	-56,019,000	-92,251,000	-9,322,000	0	-24,000,000	-1,500,000	-19,277,000	-2,980,000	-23,697,000	-5,000,000	-26,690,000	-4,550,000	-23,255,000	-3,060,000				-34,368,000	-3,708,000	-7,613,000	-46,000	-7,052,000	-7,000,000	-7,172,000	-11,505,000
purchases of equity securities without readily determinable fair value	0	-1,053,000	0	-961,000	-3,072,000	-2,900,000	-1,100,000	-3,750,000	-750,000	-4,850,000	-7,537,000	-1,412,000	-7,470,000	-1,010,000	-1,970,000	-3,936,000	-999,000	-2,360,000	-1,452,000	-500,000	-2,273,000	-893,000	-2,547,000	-775,000	-449,000	-623,000	-813,000	-1,038,000	-940,000	-1,801,000
purchases of federal home loan bank and federal reserve bank stock	-194,000	-486,000											25,000	-785,000		1,217,000	-744,000	-293,000		3,000				-688,000
distributions from investments in partnerships	292,000	869,000	177,000	347,000	1,997,000	242,000		545,000	2,201,000	2,794,000			3,072,000	124,000									423,000	760,000	409,000	363,000	228,000
proceeds from sales of premium financing receivables			0	0			0
proceeds from sales of other real estate owned				9,729,000				467,000	733,000	435,000		133,000	1,172,000	2,497,000		1,949,000	3,152,000	2,162,000	3,839,000	1,532,000	612,000	4,793,000	4,860,000	4,501,000	2,397,000	2,758,000	2,483,000	8,656,000	4,557,000	3,679,000	5,850,000	4,291,000	4,640,000	3,961,000	9,144,000	9,768,000	9,114,000	10,341,000	10,492,000	18,680,000
increase in interest-bearing deposits with banks			-768,182,000	-822,635,000	-694,544,000	-49,062,000	366,864,000	-285,966,000							-140,288,000
increase in loans	-2,274,634,000	-682,839,000	-1,043,975,000	-1,119,704,000	-2,106,413,000	-1,135,248,000	-658,768,000	-823,747,000	-1,454,903,000	-365,885,000	-995,921,000	-1,122,018,000	-1,729,877,000	-472,409,000	-931,485,000	-374,366,000
redemption of boli			63,000	-2,000			21,000				0	0	0	960,000									0				304,000	6,013,000							1,181,000
purchases of premises and equipment			-19,575,000	-16,698,000	-39,160,000	-10,599,000	-17,188,000	-19,900,000	-179,000	-9,139,000	-15,987,000	-14,096,000	-15,644,000	-7,722,000	-33,641,000	-11,321,000	-7,725,000	-4,388,000	-9,254,000	-16,260,000	-16,747,000	-21,385,000	-30,571,000	-20,153,000	-17,689,000	-13,608,000	-15,634,000	-20,321,000	-20,738,000	-11,580,000	-19,611,000	-13,323,000	-15,437,000	-10,823,000	-5,647,000	-4,041,000	-15,558,000	-8,677,000	-3,897,000	-7,154,000	-8,501,000	-24,363,000	-6,028,000	-38,184,000	-10,557,000	-14,614,000	-10,829,000	-2,919,000	-2,148,000	-1,871,000	-7,132,000	-5,506,000	-3,766,000	-4,913,000	-5,062,000	-8,761,000	-9,896,000	-4,715,000	-11,523,000	-12,692,000	-13,899,000	-22,211,000	-17,028,000	-9,894,000
net cash from investing activities	-2,947,677,000	-973,374,000	-1,718,433,000	-663,356,000	-2,145,404,000	-1,419,170,000	-609,725,000	-1,396,475,000	-1,346,036,000	114,420,000	-542,150,000	-1,555,496,000	-899,284,000	-493,839,000	-2,562,119,000	-1,164,042,000	-1,346,988,000	-855,710,000	-1,064,318,000	-140,612,000	-4,528,612,000	-1,448,882,000	-1,229,785,000	-978,854,000	-778,710,000	-1,031,600,000	-847,812,000	-569,446,000	-847,229,000	-499,011,000	-615,427,000	-468,350,000	-913,633,000	-306,334,000	-480,363,000	-953,736,000	-540,891,000	-517,675,000	-418,284,000	-877,428,000	-292,963,000	-41,508,000	-150,785,000	-531,786,000	-234,305,000	25,194,000	-149,776,000	-284,403,000	-173,287,000	20,484,000	-612,549,000	-28,747,000	-245,096,000	-550,810,000	-139,491,000	-569,803,000	55,369,000	204,591,000	-77,632,000	-47,721,000	86,248,000	-214,686,000	-233,369,000	-433,779,000
financing activities:
increase in deposit accounts	2,246,773,000	1,057,689,000	1,107,383,000	1,045,767,000	1,600,168,000	1,051,686,000	404,482,000	953,978,000	1,320,494,000	-184,335,000	105,350,000	203,862,000	374,002,000	123,733,000	2,143,023,000	1,147,938,000	935,831,000	780,009,000	1,248,243,000	192,588,000	4,190,355,000	1,354,778,000	687,989,000	1,191,569,000	552,880,000	710,061,000	1,027,129,000	338,130,000	1,086,152,000	95,988,000	288,300,000	289,398,000	875,288,000	71,862,000	360,806,000	1,106,028,000	824,722,000	477,466,000	339,305,000	216,793,000	269,326,000	2,334,000	139,396,000			-157,327,000	217,665,000	329,483,000	-192,207,000	69,901,000	655,831,000	565,355,000	249,221,000	547,223,000	68,160,000	277,767,000	12,106,000	-106,660,000	28,468,000	-117,269,000	-202,477,000	147,077,000	257,117,000	153,146,000
increase in other borrowings			-91,026,000	35,455,000			-7,346,000	-11,536,000							-12,068,000	-6,486,000	-2,852,000	-6,378,000	-3,227,000	-7,151,000	10,901,000	88,073,000	4,530,000	-5,293,000												-11,296,000			-15,931,000			45,327,000	9,050,000							-4,634,000	7,785,000	-6,202,000	-86,276,000	40,373,000	-86,618,000	89,918,000	38,657,000	-69,233,000	39,323,000
increase in federal home loan bank advances			-20,000,000	-5,000,000	499,558,000	350,680,000	0				0	1,150,000,000			0	0			0	0	53,500,000	500,000,000	100,000,000	1,000	-1,558,000	149,999,000	-199,999,000	-55,000,000	-248,000,000	355,000,000	90,000,000	150,000,000	90,000,000	73,000,000																-3,000,000				-3,000,000	1,000	4,500,000	19,301,000	7,000,000	5,000,000	8,698,000	69,000,000	-7,200,000	0	18,000,000
proceeds from the issuance of preferred stock																			-30,000	268,000																			-309,000
repayment of subordinated notes			0	0
issuance of common shares resulting from the exercise of stock options, employee stock purchase plan and director compensation plan	1,932,000	1,822,000		1,608,000	1,186,000	2,098,000
common stock repurchases for tax withholdings related to stock-based compensation	0	-3,003,000	-55,000	-342,000	1,000	-3,540,000	-251,000	0	0	-1,662,000									-533,000	0	75,000	-919,000	-132,000	-149,000	0	-1,016,000	-87,000	-192,000	0	-369,000	-102,000	0	0	-295,000
dividends paid	-40,458,000	-40,349,000	-36,913,000	-36,902,000	-35,247,000	-34,218,000	-31,413,000	-31,492,000	-31,387,000	-31,398,000	-27,654,000	-27,642,000	-26,462,000	-26,452,000	-24,669,000	-24,659,000	-24,675,000	-24,626,000	-23,140,000	-26,414,000	-18,169,000	-18,167,000	-16,499,000	-16,222,000	-16,216,000	-16,173,000	-12,763,000	-12,762,000	-12,749,000	-12,713,000	-9,883,000	-9,864,000	-9,843,000	-10,953,000	-9,838,000	-9,831,000	-9,459,000	-9,440,000	-6,893,000	-6,252,000	-4,261,000	-1,000,000	-4,199,000	-1,001,000	-4,144,000	-5,409,000	-6,926,000	-4,125,000	-6,316,000	-4,125,000	-6,292,000	-4,125,000	-7,241,000	-544,000	-4,256,000	0	-4,231,000	0	-3,747,000	0	-4,084,000	-3,588,000	0	-3,373,000
net cash from financing activities	2,697,806,000	1,011,363,000	955,023,000	1,040,586,000	1,959,802,000	1,304,467,000	367,114,000	1,212,449,000	1,074,216,000	-227,841,000	223,641,000	1,314,348,000	570,359,000	87,182,000	2,111,154,000	1,109,094,000	923,638,000	742,832,000	1,173,410,000	157,735,000	4,514,099,000	1,891,643,000	778,499,000	1,171,860,000	874,335,000	822,538,000	843,938,000	386,420,000	840,041,000	430,526,000	388,407,000	400,500,000	997,646,000	123,696,000	111,376,000	919,454,000	759,186,000	387,818,000	325,181,000	743,558,000	175,661,000	41,903,000	145,978,000	516,805,000	-114,865,000	-105,838,000	233,560,000	287,641,000	-24,571,000	55,274,000	657,263,000	550,798,000	156,313,000					-189,893,000	68,535,000	-38,463,000	-165,179,000	180,752,000	316,296,000	163,975,000
net increase in cash and cash equivalents	79,285,000	157,743,000	-272,592,000	315,604,000			5,316,000	-95,769,000	67,931,000	-44,980,000	1,319,000	-9,300,000	36,375,000	51,367,000	-51,094,000	27,290,000	8,632,000	103,903,000	13,779,000	-36,362,000	-4,370,000	62,951,000	-162,338,000	147,822,000			112,207,000				25,639,000	-44,209,000			23,098,000	-24,628,000	59,275,000	-63,495,000	-1,554,000	-56,709,000	-9,102,000	8,982,000	-23,346,000	9,574,000	1,914,000	-71,400,000							-225,243,000				180,144,000					42,825,000	26,539,000	-96,920,000
cash and cash equivalents at beginning of period	0	458,536,000	0	0	0	423,464,000	0	0	0	490,966,000	0	0	0	411,205,000	0	0	0	322,474,000	0	0	0	286,476,000	0	0	0	392,200,000	0	0	0	277,591,000	0	0	0	270,045,000	0	0	0	275,795,000	0	0	169,704,000	0	0	0	172,580,000		0	0	158,616,000		0	0	445,904,000		0	0	261,154,000		0	0	305,292,000	0	0	341,365,000
cash and cash equivalents at end of period	79,285,000	616,279,000	-272,592,000	315,604,000	35,638,000	379,886,000	5,316,000	-95,769,000	67,931,000	445,986,000	1,319,000	-9,300,000	36,375,000	462,572,000	-51,094,000	27,290,000	8,632,000	426,377,000	13,779,000	-36,362,000	-4,370,000	349,427,000	-162,338,000	147,822,000	30,169,000	270,823,000	112,207,000	-24,649,000	73,178,000	231,464,000	25,639,000	-44,209,000	79,013,000	217,148,000	23,098,000	-24,628,000	59,275,000	212,300,000	-1,554,000	-56,709,000	160,602,000	8,982,000	-23,346,000	9,574,000	174,494,000		91,604,000	30,482,000	121,894,000		-12,071,000	-56,829,000	220,661,000		-46,786,000	-201,130,000	441,298,000		43,966,000	-103,403,000	271,704,000	42,825,000	26,539,000	244,445,000
amortization of discount/premium on securities		-531,000		-1,033,000
gains on investment securities, net, and dividend reinvestment on equity securities		-3,196,000
losses on sales and fair value adjustments of other real estate owned		491,000				207,000
decrease in accrued interest payable and other liabilities		-323,409,000				-62,253,000												-1,026,000				-7,829,000																			-11,689,000			-12,935,000	-16,406,000		14,359,000	9,463,000	-23,813,000
decrease (increase) in interest-bearing deposits with banks		171,531,000									1,981,573,000
sales (purchases) of premises and equipment		7,299,000
decrease in other borrowings		-4,796,000				-62,239,000				-13,968,000		-13,044,000	9,869,000	-14,928,000																								-12,700,000		144,982,000	-34,141,000				-10,808,000		23,098,000	345,000	-29,358,000												-2,647,000		-8,934,000	-9,565,000
deferred income tax expense
amortization of premium on securities						190,000	35,000	458,000	468,000	275,000	368,000	573,000	582,000	893,000	1,203,000	1,391,000
bank owned life insurance (“boli”) (gains) losses						-1,651,000	-1,726,000	-176,000
decrease (increase) in trading securities			-600,000	662,000								831,000	-158,000	209,000												1,133,000					-352,000	1,344,000	-1,273,000	1,275,000										1,720,000	2,650,000	56,000															578,000
increase in brokerage customer receivables			-1,440,000	-2,980,000	-300,000	-2,790,000									310,000	-3,285,000
losses (gains) on investment securities, net, and dividend reinvestment on equity securities
losses on sales of premises and equipment																			229,000	189,000																	-18,000	21,000	109,000
gains on sales and fair value adjustments of other real estate owned											13,000	63,000	170,000	-1,038,000		-1,802,000
increase in accrued interest receivable and other assets			-84,718,000	41,854,000	-48,087,000	-40,478,000	64,249,000	-186,031,000	13,378,000	-97,024,000									23,042,000	16,187,000	43,453,000	-214,552,000	48,122,000	-41,173,000	-110,057,000	-29,914,000	-35,675,000	-36,761,000			-63,472,000	-17,367,000			87,890,000	-15,386,000	-40,946,000	-75,172,000	-72,515,000											-30,320,000			490,000	6,966,000	-7,554,000	2,178,000	-2,865,000	4,479,000
purchases of held-to-maturity securities							-1,390,000	-399,088,000	-1,996,000	-6,443,000	-287,953,000	-26,114,000	-35,994,000	-560,903,000	-336,449,000	-279,395,000	-363,010,000	-1,894,837,000	0	-418,000	-227,000	-124,575,000	-119,995,000	-195,063,000	-146,688,000	-31,643,000	-104,264,000	-77,872,000	-5,000	-70,988,000	-13,988,000	-31,444,000	-171,642,000	-84,890,000	-13,893,000	-122,725,000	-224,870,000	-125,208,000
(purchases) redemptions of fhlb and frb stock
net cash received (paid) in business combinations			0																					0
proceeds from sale of other real estate owned
decrease in securities purchased under resale agreements with terms exceeding three months												475,000,000
cash payments to settle contingent consideration liabilities recognized in business combinations							0	0	0	-57,000					0	0	0	-16,583,000	0	-3,247,000			0	0
proceeds from common stock offering												-594,000
issuance of common shares resulting from exercise of stock options, employee stock purchase plan and director compensation plan
supplemental disclosure of cash flow information:
cash paid during the year for:
interest
income taxes
business combinations:
fair value of assets acquired, including cash and cash equivalents
value ascribed to goodwill and other intangible assets
fair value of liabilities assumed
non-cash activities
transfer to other real estate owned from loans
common stock issued for acquisitions
(gains) losses on investment securities									0	-1,398,000						2,431,000	-1,285,000	-1,154,000						-710,000	-864,000	-1,364,000
(gains) losses on sales of premises and equipment				19,000	34,000	-146,000								-9,000												-5,000							23,000	-163,000	-216,000
(gains) losses on sales and fair value adjustments of other real estate owned				-918,000
(purchases) redemptions of federal home loan bank and federal reserve bank stock				-10,413,000	-31,838,000	-19,654,000
losses (gains) on investment securities												3,103,000	7,797,000	2,782,000						-411,000	-808,000	4,359,000											-47,000	55,000
net cash paid in business combinations							0	-181,000																			-40,122,000	4,959,000	0	-18,708,000	0	0	0	-284,000
gains on investment securities						-1,326,000																									-14,000					-3,305,000
net decrease in cash and cash equivalents						-43,578,000																				-121,377,000			73,178,000	-46,127,000				-52,897,000														30,482,000	-36,722,000		-12,071,000				-46,786,000				43,966,000	-103,403,000	-33,588,000
increase in trading securities							-3,044,000	1,364,000							42,000	1,564,000	-1,716,000	-280,000				-1,189,000		-774,000						-687,000					-897,000	2,521,000	-1,497,000	-1,668,000	-1,715,000	4,809,000								1,677,000	-6,164,000	-4,570,000	-6,231,000	-9,158,000	-9,416,000	-2,156,000	-366,000									-395,000
losses (gains) on sales of premises and equipment, net, and sale of related deposit liabilities											731,000	-12,000
proceeds from payments, maturities, calls and sales of available-for-sale securities
redemptions (purchases) of fhlb and frb stock
distributions from (contributions to) investments in partnerships											1,259,000						-16,000	60,000
decrease (increase) in securities purchased under resale agreements with terms exceeding three months
common stock repurchases under authorized program															0				-54,939,000
mortgage servicing rights fair value changes, net of economic hedge								-125,000	2,327,000	10,863,000	4,478,000
decrease in brokerage customer receivables								1,680,000	320,000	345,000
losses on investment securities																													-12,000	351,000
proceeds from payments, maturities and calls of available-for-sale securities
redemptions (purchases) of federal home loan bank and federal reserve bank stock								-8,923,000	9,444,000	20,198,000
issuance of common shares resulting from the exercise of stock options and employee stock purchase plan								1,499,000	1,589,000	3,579,000
proceeds from maturities and calls of available-for-sale securities									1,023,967,000	1,008,597,000	110,923,000	66,802,000	89,493,000	119,041,000	188,977,000	192,989,000	312,912,000	595,248,000	607,175,000	455,987,000	387,648,000	162,333,000	326,911,000	160,236,000	62,623,000	168,575,000	130,296,000	89,178,000
proceeds from maturities and calls of held-to-maturity securities									43,673,000	40,342,000	36,747,000	49,225,000	58,020,000	66,966,000	130,303,000	40,395,000	30,738,000	106,535,000	181,408,000	168,331,000	136,826,000	393,148,000	81,047,000	290,519,000	6,220,000	45,173,000	3,068,000	2,047,000
decrease in federal home loan bank advances																																				-169,232,000	-212,559,000	-58,466,000			-8,000,000						-1,523,000	-33,769,000	-9,300,000
bank owned life insurance										1,351,000	218,000	-248,000										1,284,000
proceeds from sales of available-for-sale securities															0	189,851,000			-426,000	0	502,185,000	491,000	66,327,000	238,008,000	404,462,000	263,456,000	4,556,000	649,000										3,201,000	82,827,000	273,736,000	737,369,000	660,020,000	551,515,000	3,369,000	50,142,000	81,828,000	357,808,000	86,139,000	184,515,000	128,497,000	73,945,000	78,794,000	992,398,000	64,070,000	134,990,000	422,206,000	187,292,000	169,441,000	12,917,000	40,372,000	29,976,000	52,681,000	69,822,000	16,658,000
decrease in interest-bearing deposits with banks										424,842,000			745,213,000	1,359,947,000
losses on investment securities, net, and dividend reinvestment on equity securities
(redemptions) purchases of fhlb and frb stock
proceeds from the issuance of common stock																																			88,000	0
issuance of common shares resulting from exercise of stock options and employee stock purchase plan
decrease in accrued interest receivable and other assets												-107,606,000	19,457,000	110,691,000																4,566,000										-15,728,000	107,929,000		-13,425,000	38,598,000	47,043,000			66,546,000	31,080,000											-602,000	1,740,000
issuance of common shares resulting from the exercise of stock options, employee stock purchase plan and conversion of common stock warrants												1,766,000	1,635,000	4,829,000		1,841,000	2,705,000	10,410,000		1,691,000	1,413,000	4,919,000		2,078,000	1,848,000	4,130,000		2,643,000	3,496,000	8,251,000		6,240,000	3,306,000	13,814,000
bank owned life insurance (“boli”) income														-48,000
deferred income tax (benefit) expense
(gains) losses on sales of premises and equipment, net, and sale of related deposit liabilities															35,000	133,000
redemption (purchase) of fhlb and frb stock
(contributions to) distributions from investments in partnerships
increase in securities purchased under resale agreements with terms exceeding three months
proceeds from the issuance of subordinated notes																							0	-124,000
bank owned life insurance ("boli") income																-2,154,000	-1,342,000	-1,124,000		-1,218,000				-729,000	-1,149,000	-1,591,000		-3,190,000	-1,544,000	-714,000		-897,000	-888,000	-985,000
contributions to investments in partnerships
early buy-out exercises of mortgage loans held-for-sale guaranteed by u.s. government agencies, net of subsequent paydown or payoff																	17,365,000	-24,362,000
net amortization of premium on securities																		2,000,000	2,802,000	3,385,000	2,932,000	1,762,000	2,104,000	1,530,000	1,604,000	1,367,000	1,413,000	1,929,000	2,998,000	1,071,000	1,404,000	1,496,000	1,466,000	1,732,000	1,918,000	1,888,000	1,208,000	632,000	2,371,000			-1,874,000	812,000	1,320,000	4,176,000		3,515,000						-158,000							185,000	-213,000	-270,000	67,000	76,000
net increase in brokerage customer receivables																		-1,620,000	-618,000				-1,630,000	-1,374,000	650,000	-1,610,000												-635,000	1,460,000		-3,160,000	10,000	1,801,000	-4,375,000	-812,000	893,000	-1,151,000	-3,313,000	-107,000	-1,430,000													-1,528,000	-1,865,000
net gains on sales and fair value adjustments of other real estate owned																		-604,000																				-119,000
net decrease in interest-bearing deposits with banks																		1,454,501,000																																					1,752,000							-4,368,000
net increase in loans																		-1,082,709,000	-116,505,000	-713,838,000	-3,454,294,000	-1,006,031,000	-485,024,000	-404,409,000	-959,990,000	-380,214,000	-578,799,000	-367,052,000	-543,070,000	-394,433,000	-686,966,000	-143,507,000	-813,725,000	-219,047,000	-476,687,000	-360,260,000	-694,065,000	-248,893,000	-346,003,000	-342,577,000	-206,246,000	-251,905,000	-156,296,000			-155,269,000	-129,876,000	-289,987,000	-131,153,000			233,415,000	-251,507,000	-339,160,000	-220,819,000	-360,329,000	-200,808,000	-173,723,000	-85,388,000	-178,007,000	-50,558,000	-376,449,000	309,505,000	-978,511,000
stock-based compensation (benefit) expense
accretion of discounts on loans
mortgage servicing rights fair value change																			14,362,000	12,988,000	18,636,000	16,873,000	5,119,000	11,295,000	8,381,000	10,741,000	9,030,000	4,000	-733,000	-2,931,000	519,000	2,603,000	-2,054,000	789,000	8,215,000	-519,000	-3,255,000	-1,036,000	383,000	722,000
early buy-out exercises of mortgage loans held-for-sale guaranteed by u.s. government agencies
boli income
net (gains) losses on sales and fair value adjustments of other real estate owned																			-488,000	-239,000	307,000	-1,001,000																	-1,015,000
purchase of federal home loan bank and federal reserve bank stock																																						-11,641,000
net increase in interest-bearing deposits with banks																			-974,409,000																						-151,033,000		-111,045,000	-44,115,000	-56,222,000				-81,735,000		-512,603,000	-389,247,000	-143,503,000				-870,000							-1,906,000
issuance of common shares resulting from exercise of stock options, employee stock purchase plan and conversion of common stock warrants																																								2,410,000	8,699,000	740,000	1,227,000	714,000	905,000		1,033,000	649,000	1,593,000		1,434,000	754,000	553,000		899,000	975,000	930,000		850,000	1,688,000	786,000	1,278,000	2,144,000	3,372,000
business combinations and asset acquisitions:
(purchases of) distributions from investments in partnerships																				-251,000
net cash received in business combinations
net decrease (increase) in brokerage customer receivables																					1,670,000	280,000												2,010,000	330,000	1,355,000				2,403,000																				-896,000	1,094,000
net increase in interest bearing deposits with banks																								-823,871,000	172,936,000	-510,517,000		84,820,000				-205,353,000	-4,167,000	-27,011,000		-122,835,000	123,744,000	-204,994,000
common stock repurchases authorized																					-75,000	-37,041,000
accretion of discount on loans																						-10,730,000		-5,589,000	-6,584,000	-5,162,000		-5,650,000	-4,933,000	-4,927,000		-4,906,000	-5,540,000	-6,439,000		-7,567,000	-7,573,000	-8,276,000
gains on sales of premises and equipment																						-4,000
(purchases) redemption of federal home loan bank and federal reserve bank stock																						-33,807,000
(purchases) distributions from investments in partnerships																						-355,000
net decrease (increase) in interest bearing deposits with banks																						216,944,000								81,162,000									31,288,000
net incomees on sales and fair value adjustments of other real estate owned																							98,000	708,000	929,000	186,000	856,000	800,000	621,000	2,387,000		73,000
gain on termination of loss share agreements with the fdic
(purchase) redemption of federal home loan bank and federal reserve bank stock																											8,644,000	-3,299,000	8,257,000	-14,967,000						-8,311,000
proceeds paid to the fdic related to reimbursements on covered assets
redemption (purchases) of federal home loan bank and federal reserve bank stock																										2,341,000
decrease in subordinated notes and other borrowings																										-24,463,000				-15,631,000				-23,732,000
gains on early extinguishment of debt																																			717,000	0	0	-4,305,000
proceeds (paid to) received from the fdic related to reimbursements on covered assets																															-15,153,000
increase in subordinated notes and other borrowings																											28,145,000	113,601,000
redemption of junior subordinated debentures																																			0	0	0	-10,695,000
net decrease in brokerage customer receivables																												1,000,000	7,882,000	1,900,000		-350,000																				-1,851,000	2,051,000		225,000	3,125,000	1,420,000
cash paid to the fdic related to reimbursements on covered assets
proceeds received from the fdic related to reimbursements on covered assets																																	405,000	386,000	-917,000	1,704,000			1,547,000	2,347,000
proceeds from maturities of available-for-sale securities																														47,463,000	93,458,000	52,283,000	94,828,000	43,688,000	105,734,000	598,965,000	503,335,000	26,128,000	62,546,000	208,913,000	280,110,000	294,152,000	443,510,000	461,855,000	284,469,000	125,089,000	232,073,000	310,641,000	364,778,000	276,600,000	171,438,000	309,194,000	665,932,000	195,442,000	99,830,000	222,537,000	364,956,000	181,980,000	79,864,000	199,268,000	340,435,000	182,537,000	244,454,000	179,000,000
proceeds from maturities of held-to-maturity securities																														129,000	6,626,000	359,000	50,665,000	258,000	208,000	183,000	138,000	181,000
proceeds from sales and calls of available-for-sale securities																														210,891,000	190,021,000	136,789,000	3,724,000	6,005,000	21,348,000	1,114,666,000
proceeds from calls of held-to-maturity securities																														4,141,000	11,000	17,000	2,000	51,060,000	310,460,000	141,885,000	183,738,000	98,243,000
proceeds from sales of equity securities without readily determinable fair value
net incomees (gains) on sales and fair value adjustments of other real estate owned																																		828,000	446,000
redemption (purchase) of federal home loan bank and federal reserve bank stock																															-2,797,000	-6,380,000	-1,908,000	54,590,000
acquisitions:
transfer of available-for-sale securities to held-to-maturity securities
excess tax benefits from stock-based compensation arrangements																																			-552,000	-132,000	-74,000	-193,000	-184,000	-105,000	-643,000	454,000	-522,000	-44,000	-194,000	-334,000	-260,000	-190,000	-570,000	-257,000	-640,000	-16,000	-68,000	-9,000	-220,000	-70,000	-394,000	-1,428,000	-474,000	-323,000	-398,000	-1,200,000	-385,000	-2,395,000
net cash (paid) received in business combinations
common stock repurchases																																			-67,000	-377,000	0	-172,000	0	-30,000	-6,447,000	-44,000	-18,000	24,000	-74,000	-69,000	-47,000	-4,000	-98,000	-296,000	-135,000	0	-12,000		-32,000	-6,000	-56,000		-23,183,000
bank owned life insurance ("boli"), net of claims
issuance of common shares resulting from the exercise of stock options and the employee stock purchase plan																																				4,030,000	4,134,000	1,632,000	8,601,000
bank owned life insurance, net of claims																																					-1,257,000	-472,000	-213,000
net cash (paid) received for acquisitions																																					-681,000	-17,452,000
redemption of bank owned life insurance																																							0
gains on available-for-sale securities																																						-1,325,000			-816,000																				-47,000			-80,000
proceeds received from (payments provided to) the fdic related to reimbursements on covered assets																																						363,000
depreciation and amortization																																							9,162,000	8,165,000	5,627,000	5,341,000	4,356,000	4,221,000	5,551,000	4,739,000	4,366,000	3,930,000	5,130,000	5,262,000	5,121,000	5,016,000	5,109,000	5,216,000	5,212,000	5,120,000	5,018,000	4,776,000	5,234,000	5,046,000	4,954,000	4,777,000	4,101,000	3,803,000
(gains) losses on available-for-sale securities																																							98,000																				76,000			57,000
tax expense from stock-based compensation arrangements
net cash received (paid) for acquisitions																																								0
tax benefit from stock-based compensation arrangements																																								-315,000	12,000	-54,000	14,000	-66,000	235,000				396,000	221,000	510,000	-74,000	-576,000	-203,000	163,000	-160,000	555,000	984,000	72,000	456,000	512,000	1,363,000	456,000	2,822,000
net amortization (accretion) of premium on securities																																																	413,000	1,600,000	125,000							461,000
losses (gains) on available-for-sale securities																																								-18,000															-920,000	140,000	1,333,000
gain on bargain purchases																																									-840,000	0	-27,390,000	-746,000	-9,838,000	-250,000	-6,593,000
loss on sales of premises and equipment																																									12,000	19,000									339,000	16,000	11,000
net income on sales and fair value adjustments of other real estate owned
divestiture of operations
payoff of secured borrowing
net proceeds from issuance of series c preferred stock
proceeds from issuance of subordinated notes
net amortization of (discount) premium on securities																																									-2,092,000
mortgage servicing rights fair value change and amortization																																									-514,000	1,047,000	2,490,000	1,276,000	-140,000	-747,000	1,482,000	1,704,000	538,000	-26,000	839,000	-441,000	1,659,000	1,312,000	385,000	-161,000	829,000
bank owned life insurance income, net of claims																																									-919,000	-681,000	-351,000	-661,000	-876,000		-551,000	-419,000	-623,000		-552,000	-565,000	-286,000		-477,000	-851,000	-613,000
debt defeasance costs																																									848,000
net cash received for acquisitions																																									8,191,000		71,148,000	-1,446,000	21,371,000
net proceeds from issuance of preferred stock																																									122,690,000
debt defeasance																																									-172,848,000
originations of premium finance receivables held-for-sale																																																		-356,298,000	-270,044,000
proceeds from sales and securitizations of premium finance receivables held-for-sale																																																		356,298,000
gain on sales of premium finance receivables																																																		-4,429,000	-3,629,000	-196,000	-322,000	-361,000	-456,000	-566,000	-1,141,000	-1,596,000	0	-175,000	-269,000	-272,000	-1,451,000	-995,000
gain on mortgage loans sold																																										-16,237,000	-21,107,000	-350,000	-4,160,000	-26,095,000	-23,299,000	-13,903,000	-10,081,000	-13,419,000	-10,135,000	-16,312,000	-12,209,000	-2,911,000	-2,876,000	-3,986,000	-3,635,000	-3,007,000	-2,046,000	-3,630,000	-3,658,000	-3,388,000	-3,127,000	-2,582,000
proceeds from sales and securitizations of premium finance receivables																																																		0
net decrease (increase) in interest-bearing deposits with banks																																																													2,842,000
repayment of subordinated note																																										-5,000,000	0				0				0
redemption of series b preferred stock
issuance of prepaid common stock purchase contracts
issuance of common stock, net of issuance costs																																														104,691,000	0	-128,000	210,545,000													0
gain on available-for-sale securities																																											-225,000	-1,152,000	-106,000
net decrease (increase) in loans																																													17,691,000
decrease in deposit accounts																																													-100,938,000
adjustments to reconcile net income to net cash from operating activities:
stock-based compensation
decrease in notes payable
issuance of common stock resulting from exercise of stock options, employee stock purchase plan and conversion of common stock warrants
cash and cash equivalents at beginning of year
cash and cash equivalents at end of year
supplemental disclosures of cash flow information:
tax benefit (expense) from stock-based compensation arrangements																																															182,000
(gain) loss on available-for-sale securities																																															-9,235,000	-46,000	-392,000
loss on sale of premises and equipment
net cash received (paid) for business combinations
originations and purchases of loans held-for-sale																																																-732,465,000	-686,679,000		-960,218,000
net cash received for fdic-assisted acquisitions
gain on bargain purchase																																																	-10,894,000
bargain purchase gain																																																		-42,951,000
gain on sales of premises and equipment																																																						7,000					-24,000	5,000	-3,000			-26,000
net cash paid for acquisitions																																																														0
redemptions of bank owned life insurance
increase in notes payable																																																						-41,025,000	50,000	-28,325,000	9,600,000	-11,200,000	21,350,000	2,800,000	35,000,000	-22,000,000
losses on available-for-sale securities																																																			412,000	-1,540,000	2,038,000
net cash paid for acquisition
issuance of preferred stock, net of issuance costs
excess tax benefits from stock—based compensation arrangements																																																			640,000	16,000	68,000		220,000									2,395,000
proceeds from sales of premium finance receivables																																																						0	33,579,000	69,450,000	114,805,000					100,000,000	-553,174,000	756,056,000
deferred income tax benefit
fair market value change of interest rate swaps																																																														69,000	-2,676,000	-4,915,000
net proceeds from issuance of junior subordinated debentures
proceeds from issuance of subordinated note																																																														0
treasury stock purchases																																																													-61,155,000
2008 annual report
net (accretion) of premium on securities
net cash from by financing activities																																																							27,803,000	344,899,000	76,701,000
net accretion of premium on securities																																																								-573,000	-286,000
excess tax benefits from stock–based compensation arrangements																																																									394,000			323,000	398,000	1,200,000
(gain) loss on sales of premises and equipment																																																														-6,000
loans transferred from held-for-sale to portfolio
share-based compensation expense																																																											2,587,000	2,723,000	2,965,000	3,001,000	2,963,000	2,981,000
fair market value change of mortgage servicing rights
proceeds from bank owned life insurance
proceeds from issuance of long-term debt — trust preferred securities
redemption of trust preferred securities
proceeds from issuance of long-term debt – trust preferred securities

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