Table of Contents
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Front Cover
Corporate Profile
Letter to Stakeholders
Board of Directors
Management Team
FORM 10-K
TABLE OF CONTENTS
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 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 CHANGES IN EQUITY
CONSOLIDATED STATEMENTS OF CASH FLOWS
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
NOTE 1 — SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES
NOTE 2 — BUSINESS COMBINATIONS AND DIVESTITURES
NOTE 3 — SECURITIES
NOTE 4 — LOANS AND ALLOWANCE FOR LOAN AND LEASE LOSSES
NOTE 5 — OTHER REAL ESTATE OWNED
NOTE 6 — PREMISES AND EQUIPMENT
NOTE 7 — GOODWILL AND INTANGIBLE ASSETS
NOTE 8 — VARIABLE INTEREST ENTITIES
NOTE 9 — DEPOSITS
NOTE 10 — BORROWINGS AND BORROWING CAPACITY
NOTE 11 — EMPLOYEE BENEFIT PLANS
NOTE 12 — INCOME TAXES
NOTE 13 — LEGAL CONTINGENCIES
NOTE 14 — OFF-BALANCE SHEET LOAN COMMITMENTS
NOTE 15 — FAIR VALUE DISCLOSURES
NOTE 16 — RELATED-PARTY TRANSACTIONS
NOTE 17 — REGULATORY MATTERS
NOTE 18 — EQUITY AND NONCONTROLLING INTERESTS
NOTE 19 — STOCK-BASED COMPENSATION
NOTE 20 — PARENT COMPANY ONLY CONDENSED FINANCIAL INFORMATION
NOTE 21 — EARNINGS PER SHARE
NOTE 22 — BUSINESS SEGMENT INFORMATION
NOTE 23 — QUARTERLY FINANCIAL DATA (UNAUDITED)
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, FINANCIAL STATEMENT SCHEDULES
SIGNATURES
Corporate Information
Back Cover