|
FY2025
12 months to Dec 31, 2025
|
FY2024
12 months to Dec 31, 2024
|
FY2023
12 months to Dec 31, 2023
|
FY2022
12 months to Dec 31, 2022
|
|
|---|---|---|---|---|
| CASH FLOWS FROM OPERATING ACTIVITIES | ||||
| Net income | ||||
| Adjustments to reconcile net income to net cash provided by operating activities: | ||||
| Provision for credit losses | ||||
| Depreciation and amortization | ||||
| Stock-based compensation expense | ||||
| Amortization of premiums and accretion of discounts on securities, net | ||||
| Accretion of net deferred loan fees and costs, including premiums and discounts | ||||
| Loss (gain) on call/sale of securities available-for-sale | ||||
| Increase in cash surrender value of bank-owned life insurance | ||||
| Deferred income tax | ||||
| Amortization of core deposit intangible | ||||
| Bargain purchase gain | ||||
| (Gain) loss on sale of other real estate owned | ||||
| Write down on other real estate owned | ||||
| Decrease in accrued interest receivable and other assets | ||||
| (Decrease) in accrued interest payable and other liabilities | ||||
| NET CASH PROVIDED BY OPERATING ACTIVITIES | ||||
| CASH FLOWS FROM INVESTING ACTIVITIES | ||||
| Purchases of available-for-sale securities | ||||
| Maturities, calls and principal repayments of securities available-for-sale | ||||
| Maturities and calls of securities available-for-sale | ||||
| Maturities, calls and principal repayments of securities held-to-maturity | ||||
| Net decrease in loans | ||||
| Cash paid for acquisition | ||||
| Cash received from acquisition | ||||
| Purchases of premises and equipment | ||||
| Purchases of bank-owned life insurance | ||||
| Purchases (redemption) of bank-owned life insurance | ||||
| Purchases of equity method investments | ||||
| Purchases of restricted bank stock | ||||
| Proceeds from other real estate owned | ||||
| NET CASH PROVIDED BY (USED IN) INVESTMENT ACTIVITIES | ||||
| CASH FLOWS FROM FINANCING ACTIVITIES | ||||
| Net (decrease) increase in deposits | ||||
| Proceeds from overnight borrowings | ||||
| Cash dividends | ||||
| Dividend reinvestment program | ||||
| Share redemption for tax withholding on restricted stock vesting | ||||
| Purchase of treasury stock | ||||
| Proceeds from exercise of stock options | ||||
| Release of restricted stock units | ||||
| NET CASH (USED IN) PROVIDED BY FINANCING ACTIVITIES | ||||
| NET INCREASE (DECREASE) IN CASH AND CASH EQUIVALENTS | ||||
| CASH AND CASH EQUIVALENTS, BEGINNING OF PERIOD | ||||
| CASH AND CASH EQUIVALENTS, END OF PERIOD | ||||
| SUPPLEMENTARY CASH FLOWS INFORMATION: | ||||
| Interest paid | ||||
| Income taxes paid | ||||
| Property transferred to other real estate owned | ||||
| Net assets acquired | ||||
| Cornerstone Bank | ||||
| Total net assets acquired | ||||
| Net liabilities assumed | ||||
| Cornerstone Bank | ||||
| Total net liabilities assumed | ||||
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