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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 income | |||||
| Adjustments to reconcile net income to net cash from operating activities: | |||||
| Depreciation and amortization | |||||
| Accretion of acquired loans | |||||
| Provision for credit losses | |||||
| Deferred income tax expense (benefit) | |||||
| Stock-based compensation expense | |||||
| Stock grants to directors for retainer fees | |||||
| Proceeds from sales of mortgage loans held for sale | |||||
| Origination of mortgage loans held for sale | |||||
| Net gain on sales of mortgage loans held for sale | |||||
| Loss from sale of mortgage loans | |||||
| Net gain from sales and valuation write-downs of foreclosed assets | |||||
| Net (gain) loss from sale and write-downs on former bank premises | |||||
| Net loss from sales and disposals of premises and equipment | |||||
| Earnings on bank owned life insurance | |||||
| Gain on sale of branch | |||||
| Net (gain) loss on instruments designated at fair value and related derivatives | |||||
| Net change in: | |||||
| Accrued interest receivable | |||||
| Change in other assets | |||||
| Change in other liabilities | |||||
| Net cash from operating activities | |||||
| Cash flows from investing activities | |||||
| Purchases of securities available for sale | |||||
| Proceeds from maturities, calls and repayments of securities available for sale | |||||
| Loan originations and payments, net | |||||
| Proceeds from sale of mortgage loans | |||||
| Proceeds from Federal Home Loan Bank stock redemption | |||||
| Net cash received from acquisition of Eastern Michigan Financial Corp. | |||||
| Purchases of Federal Home Loan Bank stock | |||||
| Purchases of bank owned life insurance | |||||
| Proceeds from bank owned life insurance death benefit claims | |||||
| Net cash transferred in branch sale | |||||
| Purchases of premises and equipment and lease activity | |||||
| Proceeds from sales of former bank premises | |||||
| Proceeds from sales of foreclosed assets | |||||
| Net cash for investing activities | |||||
| Cash flows from financing activities | |||||
| Net increase in time deposits | |||||
| Net (decrease) increase in all other deposits | |||||
| Net (decrease) increase in securities sold under agreements to repurchase | |||||
| Proceeds from term note issuance | |||||
| Proceeds from Federal Home Loan Bank advances | |||||
| Maturities of Federal Home Loan Bank advances | |||||
| Net proceeds from subordinated notes issuance | |||||
| Proceeds from stock option exercises, net of cashless exercises | |||||
| Employee stock purchase plan | |||||
| Dividend reinvestment plan | |||||
| Repurchases of common stock | |||||
| Cash dividends on common stock | |||||
| Net cash from financing activities | |||||
| Net change in cash and cash equivalents | |||||
| Cash and cash equivalents at beginning of period | |||||
| Cash and cash equivalents at end of period | |||||
| Supplemental disclosures of cash flows information | |||||
| Interest | |||||
| Federal income taxes* | |||||
| Noncash financing and investing activities: | |||||
| Common stock issued in connection with acquisition of Eastern Michigan Financial Corp. | |||||
| Transfers from loans to foreclosed assets | |||||
| Transfers from bank premises to other real estate owned | |||||
| Transfers from premises and equipment to other assets | |||||
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