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FY2025
12 months to Dec 31, 2025
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FY2024
12 months to Dec 31, 2024
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FY2023
12 months to Dec 31, 2023
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FY2022
12 months to Dec 31, 2022
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FY2021
12 months to Dec 31, 2021
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|---|---|---|---|---|---|
| Cash Flows from Operating Activities: | |||||
| Net loss | |||||
| Adjustments to reconcile net loss to net cash (used in) provided by operating activities: | |||||
| Goodwill impairment | |||||
| Provision for credit losses - loans and other liabilities | |||||
| Provision (reversal) for credit losses - securities AFS | |||||
| Stock-based compensation expense | |||||
| Depreciation and amortization | |||||
| Deferred tax benefit | |||||
| Valuation allowance on deferred tax asset | |||||
| Amortization of premium (discount) on securities | |||||
| Amortization of core deposit intangible | |||||
| Amortization of mortgage servicing rights - net | |||||
| Amortization of sub debt - net | |||||
| Gain on sale of REO | |||||
| Loss (gain) on sale of loans | |||||
| Gain on sale of securities available-for-sale | |||||
| Loss (gain) from hedging activities | |||||
| LHFS LOCOM adjustment at time of transfer | |||||
| Change in fair value of LHFS | |||||
| Amortization of OCI - securities transfer to HTM | |||||
| Valuation allowance on mortgage servicing rights - net | |||||
| Decrease in accrued interest receivable and other assets | |||||
| Decrease in accounts payable and other liabilities | |||||
| Net cash (used in) provided by operating activities | |||||
| Cash Flows from Investing Activities: | |||||
| Net decrease in loans | |||||
| Proceeds from sale of loans | |||||
| Proceeds from sale of REO | |||||
| Purchase of premises and equipment | |||||
| Disposals of premises and equipment | |||||
| Recovery of allowance for credit losses | |||||
| Proceeds from sale of land | |||||
| Loss on sale of land | |||||
| Purchases of securities AFS | |||||
| Proceeds from sale of securities available-for-sale | |||||
| Maturities of securities AFS | |||||
| Maturities of securities HTM | |||||
| Proceeds from redemption of securities | |||||
| Impairment of securities AFS | |||||
| Net (increase) decrease in FHLB stock | |||||
| Net cash provided by (used in) investing activities | |||||
| Cash Flows from Financing Activities: | |||||
| Increase (decrease) in deposits | |||||
| Proceeds from FHLB & FRB advances | |||||
| Repayments on FHLB & FRB advances | |||||
| Net change in federal funds purchased | |||||
| Net increase (decrease) in line of credit | |||||
| Net increase in subordinated debt | |||||
| Net decrease in repurchase agreements | |||||
| Dividends paid | |||||
| Proceeds from exercise of stock options | |||||
| Proceeds from issuance of common stock | |||||
| Proceeds from issuance of preferred stock | |||||
| Proceeds from issuance of convertible warrants | |||||
| Equity issuance costs | |||||
| Repurchase of stock | |||||
| Net cash (used in) provided by financing activities | |||||
| Increase (decrease) in cash and cash equivalents | |||||
| Cash and cash equivalents at beginning of year | |||||
| Cash and cash equivalents at end of period | |||||
| Supplemental disclosures of cash flow information: | |||||
| Income taxes | |||||
| Interest | |||||
| Noncash transactions: | |||||
| Transfer of loans to loans held for sale | |||||
| Conversion of preferred stock into common stock | |||||
| Right of use lease assets and liabilities recognized | |||||
| Transfer of loans to REO | |||||
| Chargeoffs against allowance for credit losses - loans | |||||
| Chargeoffs against allowance for credit losses - securities | |||||
| Mortgage servicing rights from loan sales | |||||
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