| Fiscal period | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|
| Period End Date | 12/31/2024 | 12/31/2023 | 12/31/2022 | 12/31/2021 | 12/31/2020 | 12/31/2019 | 12/31/2018 | 12/31/2017 | 12/31/2016 | 12/31/2015 |
|---|
| Interest and fees on loans | 1,265.52 | 1,172.16 | 834.97 | 676.09 | 690.91 | 586.85 | 378.21 | 270.89 | 218.66 | 171.57 |
| Interest on taxable securities | 61.52 | 59.00 | 34.66 | 22.52 | 33.09 | 40.14 | 29.01 | 20.15 | 17.82 | 16.13 |
| Interest on nontaxable securities | 1.34 | 1.34 | 1.18 | 0.58 | 0.62 | 0.59 | 0.90 | 1.58 | 1.72 | 1.87 |
| Interest on deposits in other banks and federal funds sold | 49.91 | 47.94 | 23.01 | 3.88 | 1.74 | 8.14 | 4.98 | 1.73 | 0.83 | 0.79 |
| Interest on Federal funds sold | 0.00 | -- | 0.08 | 0.04 | 0.15 | 0.68 | 0.23 | 0.00 | 0.03 | 0.03 |
| Total Interest Income | 1,378.28 | 1,280.44 | 893.89 | 703.11 | 726.50 | 636.39 | 413.33 | 294.35 | 239.07 | 190.39 |
| Interest on deposits | 484.67 | 356.02 | 56.11 | 22.36 | 59.07 | 102.53 | 49.05 | 19.88 | 12.41 | 9.75 |
| Interest on other borrowings | 44.42 | 89.37 | 36.76 | 25.43 | 29.68 | 28.70 | 20.88 | 14.35 | 7.28 | 5.10 |
| Total interest expense | 529.09 | 445.39 | 92.86 | 47.79 | 88.75 | 131.23 | 69.93 | 34.22 | 19.69 | 14.86 |
| Net Interest Income | 849.19 | 835.04 | 801.03 | 655.33 | 637.75 | 505.17 | 343.39 | 260.13 | 219.37 | 175.54 |
| Provision for loan losses | 69.84 | 153.52 | 52.61 | (35.08) | 125.49 | 19.76 | 16.67 | 8.36 | 4.09 | 5.26 |
| Provision for unfunded commitments | (11.05) | (10.85) | 19.23 | 0.33 | 19.06 | -- | -- | -- | -- | -- |
| Provision for other credit losses | 0.00 | (0.01) | (0.14) | (0.62) | 0.83 | -- | -- | -- | -- | -- |
| Net interest income after provision for loan losses | 790.40 | 692.39 | 729.33 | 690.69 | 492.37 | 485.41 | 326.73 | 251.76 | 215.28 | 170.27 |
| Other service charges, commissions and fees | 4.76 | 4.40 | 3.88 | 4.19 | 3.91 | 3.91 | 3.00 | 2.87 | 3.58 | 3.75 |
| Service charges on deposit accounts | 50.89 | 46.58 | 44.50 | 45.11 | 44.15 | 50.79 | 46.13 | 42.05 | 42.75 | 34.47 |
| Gain (loss) on sale of securities | 12.30 | (0.30) | 0.20 | 0.52 | 0.01 | 0.14 | (0.04) | 0.04 | 0.09 | 0.14 |
| Gain on sale of SBA loans | -- | 1.56 | 5.55 | 6.62 | 7.23 | 6.06 | 2.73 | 4.59 | 3.97 | 4.52 |
| Mortgage banking activities | 160.48 | 139.89 | 184.90 | 285.90 | 374.08 | 119.41 | 51.29 | 48.54 | 48.30 | 36.80 |
| Other non-interest (loss) income | 43.16 | 50.71 | 45.39 | 23.21 | 17.13 | 17.80 | 15.30 | 6.37 | 7.12 | 5.91 |
| Gain on acquisitions | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- |
| Equipment finance activity | 21.66 | -- | -- | -- | -- | -- | -- | -- | -- | -- |
| Total Non Interest Income | 293.26 | 242.83 | 284.42 | 365.54 | 446.50 | 198.11 | 118.41 | 104.46 | 105.80 | 85.59 |
| Salaries and employee benefits | 347.64 | 320.11 | 319.72 | 337.78 | 360.28 | 223.94 | 149.29 | 120.02 | 106.84 | 94.00 |
| Advertising and marketing expense | 12.61 | 11.86 | 12.48 | 8.43 | 8.05 | 7.93 | 5.57 | 5.13 | 4.18 | 3.31 |
| Occupancy expense | 48.78 | 51.45 | 51.36 | 48.07 | 52.35 | 40.60 | 29.13 | 24.07 | 24.40 | 21.20 |
| FDIC insurance premiums | 15.50 | 26.94 | 8.06 | 5.61 | 14.08 | 1.95 | 3.41 | 3.08 | 3.71 | 3.48 |
| Goodwill impairment | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- |
| Amortization of intangible assets | 17.19 | 18.24 | 19.74 | 14.97 | 19.61 | 17.71 | 9.51 | 3.93 | 4.38 | 3.74 |
| Provision for restructuring of operations | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- |
| Other Operating Expenses | 50.99 | 43.11 | 45.54 | 53.15 | 75.78 | 53.48 | 35.45 | 28.08 | 25.31 | 27.85 |
| Equipment Expense | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- |
| Loan servicing expense | 36.16 | 35.28 | 36.84 | -- | -- | -- | -- | -- | -- | -- |
| Data processing fees | 59.70 | 53.49 | 49.23 | 45.98 | 46.02 | 38.51 | 30.39 | 27.87 | 24.59 | 19.85 |
| Legal and other professional fees | 16.74 | 17.73 | 16.44 | 11.92 | 15.97 | 10.63 | 6.39 | 15.36 | 9.89 | -- |
| Credit related expenses | 2.49 | 0.08 | 0.03 | 3.54 | 5.11 | 4.08 | 4.02 | 3.49 | 6.17 | 17.71 |
| Problem loan and OREO expenses | -- | -- | -- | 26.48 | -- | -- | -- | -- | -- | -- |
| Merger and conversion charges | -- | -- | 1.21 | 4.21 | 1.39 | 73.11 | 20.50 | 0.92 | 6.38 | 7.98 |
| Total Non Interest Expenses | 607.79 | 578.28 | 560.66 | 560.12 | 598.63 | 471.94 | 293.65 | 231.94 | 215.84 | 199.12 |
| Loss before income taxes | 475.86 | 356.94 | 453.10 | 496.11 | 340.24 | 211.58 | 151.49 | 124.28 | 105.25 | 56.74 |
| Current: Deferred | -- | -- | -- | -- | -- | -- | -- | (5.07) | (1.61) | -- |
| Current | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- |
| Current - federal | -- | 84.84 | 114.35 | 67.08 | 73.71 | 21.99 | 27.71 | 33.07 | 28.75 | 15.22 |
| Current - state | -- | 23.46 | 27.89 | 13.71 | 12.48 | 5.33 | 1.38 | 5.23 | 3.55 | 1.03 |
| Deferred - federal | -- | (16.88) | (27.41) | 30.32 | (7.88) | 19.64 | 0.50 | 3.87 | 2.46 | (0.34) |
| Deferred - state | -- | (3.59) | (8.27) | 8.09 | (0.05) | 3.18 | 0.88 | -- | -- | -- |
| Income tax benefit | 117.18 | 87.83 | 106.56 | 119.20 | 78.26 | 50.14 | 30.46 | 50.73 | 33.15 | 15.90 |
| Benefit (use) of operating loss carryforward | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- |
| Net loss | 358.69 | 269.11 | 346.54 | -- | 261.99 | 161.44 | 121.03 | 73.55 | 72.10 | 40.85 |
| Preferred stock dividends | -- | -- | -- | -- | -- | -- | -- | -- | 0.00 | 0.00 |
| Net loss available to common stockholders | 358.69 | 269.11 | 346.54 | 376.91 | 261.99 | 161.44 | 121.03 | 73.55 | 72.10 | 40.85 |
| Basic loss per share | 5.21 | 3.90 | 5.01 | 5.43 | 3.78 | 2.76 | 2.81 | 2.00 | 2.10 | 1.29 |
| Diluted loss per share | 5.19 | 3.89 | 4.99 | 5.40 | 3.77 | 2.75 | 2.80 | 1.98 | 2.08 | 1.27 |
| Weighted average shares outstanding :Basic | 68.81 | 68.98 | 69.19 | 69.43 | 69.26 | 58.46 | 43.14 | 36.83 | 34.35 | 31.76 |
| Weighted average shares outstanding :Diluted | 69.06 | 69.10 | 69.42 | 69.76 | 69.43 | 58.61 | 43.25 | 37.14 | 34.70 | 32.13 |