Table of Contents
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FRONT COVER
TO OUR SHAREHOLDERS
OUR STRONG HISTORY
YOUR TRUSTED TEAM PROVIDING THE SERVICE YOU DESERVE
CORPORATE INFORMATION
TREND ANALYSIS
COMPARATIVE STOCK PRICE PERFORMANCE
CONSOLIDATED FINANCIAL STATEMENTS
Consolidated Balance Sheets
Consolidated Statements of Income
Consolidated Statements of Comprehensive Income
Consolidated Statements of Changes in Shareholders’ Equity
Consolidated Statements of Cash Flows
Notes to Consolidated Financial Statements
1. SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES
2. ACQUISITION OF SIERRA VISTA BANK
3. FAIR VALUE MEASUREMENTS
4. INVESTMENT SECURITIES
5. LOANS AND ALLOWANCE FOR CREDIT LOSSES
6. BANK PREMISES AND EQUIPMENT
7. OTHER REAL ESTATE OWNED
8. GOODWILL AND INTANGIBLE ASSETS
9. DEPOSITS
10. BORROWING ARRANGEMENTS
11. JUNIOR SUBORDINATED DEFERRABLE INTEREST DEBENTURES
12. INCOME TAXES
13. COMMITMENTS AND CONTINGENCIES
14. SHAREHOLDERS’ EQUITY
15. SHARED-BASED COMPENSATION
16. EMPLOYEE BENEFITS
17. LOANS TO RELATED PARTIES
18. PARENT ONLY CONDENSED FINANCIAL STATEMENTS
Management’s Report on Internal Control Over Financial Reporting
Report of Independent Registered Public Accounting Firm
Selected Consolidated Financial Data
MANAGEMENT’S DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION AND RESULTS OF OPERATIONS
QUANTITATIVE AND QUALITATIVE DISCLOSURES ABOUT MARKET RISK
STOCK PRICE INFORMATION
WHERE GIVING BACK IS SECOND NATURE
CORPORATE INFORMATION
BACK COVER