* FRONT COVER
* LETTER TO SHAREHOLDERS
* A LONG-TERM PERSPECTIVE
* HISTORY OF ASSET QUALITY BETTER THAN
THE INDUSTRY
* AN EVEN LONGER TERM PERSPECTIVE
* EXCELLENCE OF OUR BOARD CONTRIBUTES TO
OUR SUCCESS
* DIVERSE BLEND OF EXPERIENCES
& QUALIFICATIONS
* DEEP AND TALENTED EXECUTIVE MANAGEMENT TEAM
* FORM 10-K/A
+ EXPLANATORY NOTE
+ INDEX
+ PART I
- Forward-Looking Information
- 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 Registrant’s Common Equity,
Related Shareholder 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 Disclosure 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. Borrowings
+ 10. Subordinated Notes
+ 11. Subordinated Debentures
+ 12. Preferred Stock
+ 13. Income Taxes
+ 14. Employee Benefit Plans
+ 15. Stock-Based Compensation
+ 16. Commitments and Contingencies
+ 17. Regulatory Capital and Other Matters
+ 18. Fair Value Measurements
+ 19. Fair Value of Financial Instruments
+ 20. Supplemental Cash Flow Information
+ 21. Other Operating Expenses
+ 22. Earnings Per Common Share (“EPS”)
and Share Repurchase Program
+ 23. 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
- 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 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
+ CERTIFICATIONS
* A HISTORY OF EXCELLENCE
* BACK COVER