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FY2025
12 months to Dec 31, 2025
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FY2024
12 months to Dec 31, 2024
|
FY2023
12 months to Dec 31, 2023
|
FY2022
12 months to Dec 31, 2022
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FY2021
12 months to Dec 31, 2021
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|
|---|---|---|---|---|---|
| Operating activities: | |||||
| Net income | |||||
| Adjustments to reconcile net income to net cash provided by (used in) operating activities: | |||||
| Provision (credit) for credit losses | |||||
| Depreciation, amortization, accretion | |||||
| (Recovery) impairment of mortgage servicing rights | |||||
| Deferred taxes | |||||
| Stock based compensation | |||||
| Origination of mortgage servicing rights | |||||
| Gain on sale of loans held for sale | |||||
| Loans originated for sale | |||||
| Proceeds on sales of loans originated for sale | |||||
| Gain on death benefit on bank owned life insurance | |||||
| Increase in accrued interest receivable | |||||
| Increase in cash surrender value of life insurance | |||||
| Decrease (increase) in derivative assets | |||||
| Increase in accrued interest on deposits and borrowings | |||||
| Decrease in prepaid tax expense | |||||
| Legal settlement | |||||
| (Increase) decrease in derivative liabilities | |||||
| Gain on sale of Real Estate Owned | |||||
| Gain on sale of mortgage servicing rights | |||||
| Change in other assets and other liabilities, net | |||||
| Decrease (increase) in other assets | |||||
| Increase (decrease) in other liabilities | |||||
| Total change in other assets and other liabilities, net | |||||
| Net cash provided by (used in) operating activities | |||||
| Investing activities: | |||||
| Net decrease (increase) in loans receivable | |||||
| FHLB Stock | |||||
| Debt securities | |||||
| Mortgage related securities | |||||
| Bank owned life insurance | |||||
| Premises and equipment | |||||
| Principal repayments on mortgage-related securities | |||||
| Maturities of debt securities | |||||
| Sales of FHLB stock | |||||
| Proceeds on sales of mortgage servicing rights | |||||
| Sales of real estate owned | |||||
| Death benefit from bank owned life insurance | |||||
| Net cash used in by investing activities | |||||
| Financing activities: | |||||
| Net increase (decrease) in deposits | |||||
| Net change in short-term borrowings | |||||
| Repayment of long-term debt | |||||
| Proceeds from long-term debt | |||||
| Net change in advance payments by borrowers for taxes | |||||
| Cash dividends on common stock | |||||
| Proceeds from stock option exercises | |||||
| Purchase of common stock returned to authorized but unissued | |||||
| Net cash provided by (used in) financing activities | |||||
| Increase (decrease) in cash and cash equivalents | |||||
| Cash and cash equivalents at beginning of period | |||||
| Cash and cash equivalents at end of period | |||||
| Supplemental information: | |||||
| Income tax payments (refunds) | |||||
| Interest payments | |||||
| Noncash investing activities: | |||||
| Dividends declared but not paid in other liabilities | |||||
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