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CONSOLIDATED STATEMENTS OF CASH FLOWS (UNAUDITED) - USD ($)
$ in Thousands
3 Months Ended
Mar. 31, 2026
Mar. 31, 2025
OPERATING ACTIVITIES:    
Net income $ 42,569 $ 47,268
Adjustments to reconcile net income to net cash provided by operating activities:    
Net amortization on investment securities and low-income housing investments 2,921 2,222
Net accretion and amortization on loans and deposits (1,133) (679)
Unrealized and realized gains on equity securities with a readily determinable fair value   (31)
Depreciation of premises and equipment 1,741 1,942
Amortization of mortgage servicing rights 495 415
Provision for on-balance sheet exposures 9,780 17,672
Provision for off-balance sheet exposures 80 20
Net gain on sale of mortgage loans held for sale (1,489) (1,411)
Origination of mortgage loans held for sale (47,990) (41,233)
Proceeds from sale of mortgage loans held for sale 44,042 41,816
Net gain on sale of consumer loans held for sale (3,773) (3,055)
Origination of consumer loans held for sale (291,165) (266,651)
Proceeds from sale of consumer loans held for sale 294,104 266,633
Net gain on sale of other loans held for sale (5,845)  
Net gain realized on sale of other real estate owned (3)  
Writedowns of other real estate owned 53 53
Deferred compensation expense - Class A Common Stock 348 232
Stock-based awards and ESPP expense - Class A Common Stock 507 190
Amortization of right-of-use assets 1,653 1,519
Repayment of operating lease liabilities (1,644) (1,489)
Increase in cash surrender value of BOLI (930) (793)
Gain from death benefit received in excess of cash surrender value of BOLI (185)  
Gain on sale of Visa Class B-1 shares   (4,090)
Net change in other assets and liabilities:    
Accrued interest receivable 1,030 (1,124)
Accrued interest payable 970 (527)
Other assets (1,641) (4,867)
Other liabilities 28,511 35,067
Net cash provided by operating activities 73,006 89,099
INVESTING ACTIVITIES:    
Purchases of available-for-sale debt securities (147,712) (134,584)
Proceeds from calls, maturities and paydowns of equity and available-for-sale debt securities 147,282 114,411
Proceeds from calls, maturities and paydowns of held-to-maturity debt securities 169 5,166
Net change in outstanding warehouse lines of credit 124,242 (18,742)
Net change in other loans, net of allowance (46,940) 160,838
Net redemptions (purchases) of Federal Home Loan Bank stock 5,100 (2,270)
Proceeds from sale of other real estate owned 331  
Proceeds from sale of RBF loans and leases, transferred to held for sale 87,684  
Proceeds from sale of Visa Class B-1 shares   4,090
Proceeds of principal and earnings from BOLI 564  
Investments in low-income housing tax partnerships (10,062) (4,977)
Net purchases of premises and equipment (4,915) (1,629)
Net cash provided by investing activities 155,743 122,303
FINANCING ACTIVITIES:    
Net change in deposits 305,973 195,346
Net change in securities sold under agreements to repurchase and other short-term borrowings (7,167) (13,600)
Payments of Federal Home Loan Bank advances (570,000) (428,000)
Proceeds from Federal Home Loan Bank advances 430,500 403,000
Net proceeds from Class A Common Stock purchased through employee stock purchase plan 135 151
Net proceeds from option exercises and equity awards vested - Class A Common Stock (365) 375
Cash dividends paid (8,692) (7,805)
Net cash provided by financing activities 150,384 149,467
NET CHANGE IN CASH AND CASH EQUIVALENTS 379,133 360,869
CASH AND CASH EQUIVALENTS AT BEGINNING OF PERIOD 219,972 432,151
CASH AND CASH EQUIVALENTS AT END OF PERIOD 599,105 793,020
Cash paid during the period for:    
Interest 22,365 27,677
Income taxes 508 392
SUPPLEMENTAL NONCASH DISCLOSURES:    
Mortgage servicing rights capitalized 377 316
Net transfers from loans held for investment to loans held for sale   4,977
Right-of-use assets obtained in exchange for new operating lease liabilities 766 $ 1,194
Premises and equipment obtained through the use of vendor credits $ 1,683