Table of Contents
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FRONT COVER
LETTER TO SHAREHOLDERS
BOARD OF DIRECTORS
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 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
REPORT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM
CONSOLIDATED BALANCE SHEETS
CONSOLIDATED STATEMENTS OF INCOME
CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME
CONSOLIDATED STATEMENTS OF CHANGES IN STOCKHOLDERS’ 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 CREDIT LOSSES
NOTE 5 - OTHER REAL ESTATE OWNED
NOTE 6 - PREMISES AND EQUIPMENT
NOTE 7 - GOODWILL AND INTANGIBLE ASSETS
NOTE 8 - EQUITY METHOD INVESTMENT
NOTE 9 - VARIABLE INTEREST ENTITIES
NOTE 10 - DERIVATIVE FINANCIAL INSTRUMENTS
NOTE 11 - DEPOSITS
NOTE 12 - BORROWINGS AND BORROWING CAPACITY
NOTE 13 - EMPLOYEE BENEFIT PLANS
NOTE 14 - INCOME TAXES
NOTE 15 - LEGAL CONTINGENCIES
NOTE 16 - OFF-BALANCE SHEET LOAN COMMITMENTS
NOTE 17 - FAIR VALUE DISCLOSURES
NOTE 18 - RELATED-PARTY TRANSACTIONS
NOTE 19 - REGULATORY MATTERS
NOTE 20 - STOCKHOLDERS’ EQUITY
NOTE 21 - STOCK BASED COMPENSATION
NOTE 22 - PARENT COMPANY ONLY CONDENSED FINANCIAL INFORMATION
NOTE 23 - EARNINGS PER SHARE
NOTE 24 - BUSINESS SEGMENT INFORMATION
NOTE 25 - SUBSEQUENT EVENTS
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