* FRONT COVER
* FORM 10-K
+ TABLE OF CONTENTS
+ CAUTIONARY STATEMENT REGARDING
FORWARD-LOOKING LANGUAGE
+ PART I
- ITEM 1. BUSINESS
- ITEM 1A. RISK FACTORS
- ITEM 1B. UNRESOLVED STAFF COMMENTS
- ITEM 1C. CYBERSECURITY
- ITEM 2. PROPERTIES
- ITEM 3. LEGAL PROCEEDINGS
- ITEM 4. MINE SAFETY DISCLOSURES
+ PART II
- ITEM 5. MARKET FOR THE REGISTRANT’S
COMMON EQUITY, RELATED STOCKHOLDER
MATTERS AND ISSUER PURCHASES OF
EQUITY SECURITIES
- ITEM 6. RESERVED
- ITEM 7. MANAGEMENT’S DISCUSSION AND
ANALYSIS OF FINANCIAL CONDITION AND RESULTS
OF OPERATIONS
- ITEM 7A. QUANTITATIVE AND QUALITATIVE
DISCLOSURES ABOUT MARKET RISK
- ITEM 8. FINANCIAL STATEMENTS AND
SUPPLEMENTARY DATA
+ Index to Consolidated Financial Statements
+ Report of Independent Registered Public Accounting Firms
(PCAOB ID 185)
+ Consolidated Statements of Condition as of December 31,
2024 and 2023
+ Consolidated Statements of (Loss) Income for the years
ended December 31, 2024, 2023, and 2022
+ Consolidated Statements of Comprehensive (Loss) Income
for the years ended December 31, 2024, 2023, and 2022
+ Consolidated Statements of Stockholders’ Equity
for the years ended December 31, 2024, 2023, and 2022
+ Consolidated Statements of Cash Flows for the years
ended December 31, 2024, 2023, and 2022
+ Notes to Consolidated Financial Statements
+ Note 1 - Organization and Basis of Presentation
+ Note 2 - Summary of Significant Accounting Policies
+ Note 3 - Business Combinations
+ Note 4 - Accumulated Other Comprehensive Income
+ Note 5 - Investment Securities
+ Note 6 - Loans and Leases
+ Note 7 - Allowance for Credit Losses
+ Note 8 - Leases, Premises and Equipment
+ Note 9 - Mortgage Servicing Rights
+ Note 10 - Variable Interest Entities
+ Note 11 - Deposits
+ Note 12 - Borrowed Funds
+ Note 13 - Federal, State, and Local Taxes
+ Note 14 - Stock-Based Compensation
+ Note 15 - Derivative and Hedging Activities
+ Note 16 - Intangible Assets
+ Note 17 - Capital
+ Note 18 - Fair Value Measurement
+ Note 19 - Mezzanine and Stockholders Equity
+ Note 20 - Commitments and Contingencies
+ Note 21 - Employee Benefits
+ Note 22 - Segment Reporting
+ Note 23 - Parent Company-Only Financial Information
- ITEM 9. CHANGES IN AND DISAGREEMENTS WITH
ACCOUNTANTS ON ACCOUNTING AND
FINANCIAL DISCLOSURES
- ITEM 9A. CONTROLS AND PROCEDURES
- ITEM 9B. OTHER INFORMATION
- ITEM 9C. DISCLOSURE REGARDING FOREIGN
JURISDICTIONS THAT PREVENT INSPECTIONS
+ PART III
- ITEM 10. DIRECTORS, EXECUTIVE OFFICERS AND
CORPORATE GOVERNANCE
- ITEM 11. EXECUTIVE COMPENSATION
- ITEM 12. SECURITY OWNERSHIP OF CERTAIN
BENEFICIAL OWNERS AND MANAGEMENT AND
RELATED STOCKHOLDER MATTERS
- ITEM 13. CERTAIN RELATIONSHIPS AND RELATED
TRANSACTIONS, AND DIRECTOR INDEPENDENCE
- ITEM 14. PRINCIPAL ACCOUNTING FEES AND SERVICES
+ PART IV
- ITEM 15. EXHIBITS AND FINANCIAL
STATEMENT SCHEDULES
- ITEM 16. FORM 10-K SUMMARY
* BACK COVER
