* FRONT COVER
* MULTI-FAMILY LOAN PORTFOLIO
* TOTAL RETURN ON INVESTMENT
* DEPOSITS
* LOANS
* COMMERCIAL REAL ESTATE LOAN PORTFOLIO
* SPECIALTY FINANCE LOAN AND LEASE PORTFOLIO
* OUR FRANCHISE: OVER 250 BRANCHES ACROSS
FIVE STATES
* LETTER TO SHAREHOLDERS
* HELPING OUR COMMUNITIES GROW
* FORM 10-K
+ INDEX
+ CAUTIONARY STATEMENT REGARDING
FORWARD-LOOKING LANGUAGE
+ GLOSSARY
+ PART I
- ITEM 1. BUSINESS
- ITEM 1A. RISK FACTORS
- ITEM 1B. UNRESOLVED STAFF COMMENTS
- ITEM 2. PROPERTIES
- ITEM 3. LEGAL PROCEEDINGS
- ITEM 4. MINE SAFETY DISCLOSURES
+ PART II
- ITEM 5. MARKET FOR REGISTRANT’S COMMON
EQUITY, RELATED STOCKHOLDER MATTERS, AND
ISSUER PURCHASES OF EQUITY SECURITIES
- ITEM 6. SELECTED FINANCIAL DATA
- 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
+ CONSOLIDATED STATEMENTS OF CONDITION
+ CONSOLIDATED STATEMENTS OF OPERATIONS AND
COMPREHENSIVE INCOME
+ CONSOLIDATED STATEMENTS OF CHANGES IN
STOCKHOLDERS’ EQUITY
+ CONSOLIDATED STATEMENTS OF CASH FLOWS
+ NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
+ NOTE 1: ORGANIZATION AND BASIS
OF PRESENTATION
+ NOTE 2: SUMMARY OF SIGNIFICANT
ACCOUNTING POLICIES
+ NOTE 3: RECLASSIFICATIONS OUT OF
ACCUMULATED OTHER COMPREHENSIVE LOSS
+ NOTE 4: SECURITIES
+ NOTE 5: LOANS
+ NOTE 6: ALLOWANCE FOR LOAN LOSSES
+ NOTE 7: DEPOSITS
+ NOTE 8: BORROWED FUNDS
+ NOTE 9: FEDERAL, STATE, AND LOCAL TAXES
+ NOTE 10: COMMITMENTS AND CONTINGENCIES
+ NOTE 11: INTANGIBLE ASSETS
+ NOTE 12: EMPLOYEE BENEFITS
+ NOTE 13: STOCK-RELATED BENEFIT PLANS
+ NOTE 14: FAIR VALUE MEASUREMENTS
+ NOTE 15: DIVIDEND RESTRICTIONS
+ NOTE 16: PARENT COMPANY-ONLY
FINANCIAL INFORMATION
+ NOTE 17: CAPITAL
+ REPORT OF INDEPENDENT REGISTERED PUBLIC
ACCOUNTING FIRM
- ITEM 9. CHANGES IN AND DISAGREEMENTS WITH
ACCOUNTANTS ON ACCOUNTING AND
FINANCIAL DISCLOSURE
- ITEM 9A. CONTROLS AND PROCEDURES
- ITEM 9B. OTHER INFORMATION
+ 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
+ SIGNATURES
+ EXHIBIT 23.0 - CONSENT OF INDEPENDENT REGISTERED
PUBLIC ACCOUNTING FIRM
+ CERTIFICATIONS
* CORPORATE DIRECTORY
* BACK COVER
