* Front Cover
* A Long-Term Perspective
* History of Asset Quality Better than the Industry
* Quality and Diversity of Our Board Contribute to Our Success
* Deep and Talented Executive Management Team*
* FORM 10-K
+ INDEX
+ PART I
- Forward-Looking Information
- 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 Shareholder 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
+ Report of Independent Registered Public Accounting Firm
+ Consolidated Balance Sheets
+ Consolidated Statements of Income
+ Consolidated Statements of Comprehensive Income
+ Consolidated Statements of Stockholders’ Equity
+ Consolidated Statements of Cash Flows
+ Notes to Consolidated Financial Statements
+ 1. Organization, Regulation and Summary of Significant
Accounting Policies
+ 2. Investment Securities
+ 3. Total Loans
+ 4. Allowance for Credit Losses (“ACL”) and
Credit Quality Indicators
+ 5. Foreclosed Assets
+ 6. Premises and Equipment
+ 7. Leases
+ 8. Deposits
+ 9. Repurchase Agreements With Customers
+ 10. Borrowings
+ 11. Subordinated Notes
+ 12. Subordinated Debentures
+ 13. Income Taxes
+ 14. Employee Benefit Plans
+ 15. Stock-Based Compensation
+ 16. Commitments and Contingencies
+ 17. Related Party Transactions
+ 18. Regulatory Capital and Other Matters
+ 19. Fair Value Measurements
+ 20. Fair Value of Financial Instruments
+ 21. Supplemental Cash Flow Information
+ 22. Other Operating Expenses
+ 23. Earnings Per Common Share (“EPS”)
+ 24. Changes In and Reclassification From Accumulated
Other Comprehensive Income
(Loss) (“AOCI”)
- 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 Shareholder Matters
- Item 13. Certain Relationships and Related Transactions, and
Director Independence
- Item 14. Principal Accounting Fees and Services
+ PART IV
- Item 15. Exhibits, Financial Statement Schedules
- Item 16. Form 10-K Summary
+ EXHIBIT INDEX
+ SIGNATURES
+ EXHIBIT 21 - SUBSIDIARIES OF THE BANK
+ CERTIFICATIONS
* A History of Excellence
* Back Cover