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RNST • CIK 0000715072
| (in thousands, except per share data) | FY 2023 | FY 2024 | FY 2025 | TTM |
|---|---|---|---|---|
| Interest and Fee Income, Loans and Leases | $716,456 | $806,296 | $1,128,013 | $1,219,954 |
| Other Interest and Dividend Income | $30,375 | $39,557 | $33,272 | $28,262 |
| Interest Income (Expense), Net | $519,327 | $512,196 | $803,969 | $897,226 |
| Interest and Dividend Income, Operating | $797,319 | $887,777 | $1,262,259 | $1,376,591 |
| FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversal | $18,793 | $11,248 | $92,573 | $20,513 |
| Provision for Loan, Lease, and Other Losses | $15,593 | $9,273 | $107,457 | $33,264 |
| Interest Income (Expense), after Provision for Loan Loss | $503,734 | $502,923 | $696,512 | $863,962 |
| Income (Loss) from Continuing Operations before Income Taxes, Noncontrolling Interest | $177,187 | $244,965 | $226,732 | $391,166 |
| Income Tax Expense (Benefit) | $32,509 | $49,508 | $45,460 | $77,111 |
| Net Income (Loss) Attributable to Parent | $144,678 | $195,457 | $181,272 | $314,055 |
| Interest Income, Securities, Operating, Taxable | $44,482 | $37,383 | $90,054 | $112,348 |
| Interest Expense, Deposits | $232,331 | $346,592 | $412,553 | $431,504 |
| Interest Income, Securities, Operating, Tax Exempt | $6,006 | $4,541 | $10,920 | $16,027 |
| Interest Expense, Borrowings | $45,661 | $28,989 | $45,737 | $47,861 |
| InterestExpenseOperating | — | $375,581 | $458,290 | $479,365 |
| Insurance Commissions and Fees | $11,102 | $5,473 | $0 | $0 |
| Gain (Loss) on Disposition of Business | — | $53,349 | $0 | $0 |
| Debt and Equity Securities, Gain (Loss) | $-22,438 | $0 | $0 | $0 |
| Bank Owned Life Insurance Income | $10,463 | $11,567 | $14,244 | $16,229 |
| Noninterest Income, Other Operating Income | $21,035 | $15,311 | $27,355 | $34,599 |
| Noninterest Income | $113,075 | $203,660 | $181,880 | $198,613 |
| Labor and Related Expense | $281,768 | $283,768 | $368,563 | $385,041 |
| Information Technology and Data Processing | $15,195 | $16,030 | $20,704 | $21,435 |
| Occupancy, Net | $46,471 | $45,960 | $63,651 | $70,587 |
| Professional Fees | $13,671 | $12,418 | $14,869 | $16,682 |
| Advertising Expense | $14,726 | $16,210 | $18,355 | $18,844 |
| Amortization of Intangible Assets | $5,380 | $4,691 | $27,103 | $33,729 |
| Communication | $8,238 | $8,379 | $13,665 | $16,023 |
| Business Combination, Acquisition Related Costs | $0 | $13,349 | $49,331 | $28,061 |
| Other Noninterest Expense | $53,906 | $59,955 | $73,768 | $78,346 |
| Noninterest Expense | $439,622 | $461,618 | $651,660 | $671,409 |
| Cost of Property Repairs and Maintenance | $103 | $372 | $635 | $635 |
| Real Estate Taxes and Insurance | $427 | $280 | $433 | $433 |
| Gains (Losses) on Sales of Other Real Estate | $275 | $227 | $74 | $74 |
| (in thousands, except per share data) | FY 2023 | FY 2024 | FY 2025 | TTM |
|---|---|---|---|---|
| Cash and Due from Banks | $206,680 | $198,408 | $299,592 | $264,102 |
| Interest-bearing Deposits in Banks and Other Financial Institutions | $594,671 | $893,624 | $771,126 | $617,101 |
| Cash and Cash Equivalents, at Carrying Value | $801,351 | $1,092,032 | $1,070,718 | $881,203 |
| Common Stock, Shares, Issued | 59,296,725 | 66,484,225 | 97,722,397 | 97,722,397 |
| DebtSecuritiesHeldToMaturityAmortizedCostAfterAllowanceForCreditLoss | $1,221,464 | $1,126,112 | $1,030,073 | $983,032 |
| Debt Securities, Available-for-sale | $923,279 | $831,013 | $2,560,818 | $2,842,424 |
| Financing Receivable, Held-for-Sale, Not Part of Disposal Group, after Valuation Allowance | $179,756 | $246,171 | $265,959 | $241,588 |
| FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss | $12,351,230 | $12,885,020 | $19,047,039 | $19,196,172 |
| FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest | $198,578 | $201,756 | $293,955 | $296,008 |
| FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss | $12,152,652 | $12,683,264 | $18,753,084 | $18,900,164 |
| Other Real Estate and Foreclosed Assets | $9,622 | $8,673 | $15,191 | $15,571 |
| Goodwill | $991,665 | $988,898 | $1,405,840 | $1,417,538 |
| Intangible Assets, Net (Excluding Goodwill) | $18,795 | $14,105 | $146,612 | $138,022 |
| Bank Owned Life Insurance | $382,584 | $391,810 | $492,541 | $495,235 |
| Servicing Asset | $91,688 | $72,991 | $65,271 | $65,816 |
| Other Assets | $304,484 | $300,003 | $480,178 | $560,386 |
| Assets | $17,360,535 | $18,034,868 | $26,751,426 | $27,004,999 |
| Short-term Debt | $307,577 | $108,018 | $555,774 | $315,225 |
| Long-term Debt | $429,400 | $430,614 | $499,756 | $796,469 |
| Other Liabilities | $249,390 | $245,306 | $337,921 | $320,875 |
| Liabilities | $15,063,152 | $15,356,550 | $22,866,521 | $23,133,621 |
| Preferred Stock, Value, Issued | $0 | $0 | $0 | $0 |
| Common Stock, Value, Issued | $296,483 | $332,421 | $488,612 | $488,612 |
| Treasury Stock, Common, Value | $105,249 | $97,196 | $103,494 | $232,402 |
| Additional Paid in Capital | $1,308,281 | $1,491,847 | $2,392,997 | $2,390,839 |
| Retained Earnings (Accumulated Deficit) | $952,124 | $1,093,854 | $1,196,522 | $1,327,997 |
| Accumulated Other Comprehensive Income (Loss), Net of Tax | $-154,256 | $-142,608 | $-89,732 | $-103,668 |
| Stockholders' Equity Attributable to Parent | $2,297,383 | $2,678,318 | $3,884,905 | $3,871,378 |
| Noninterest-bearing Deposit Liabilities | $3,583,675 | $3,403,981 | $5,043,960 | $5,038,070 |
| Interest-bearing Deposit Liabilities | $10,493,110 | $11,168,631 | $16,429,110 | $16,662,982 |
| Deposits | $14,076,785 | $14,572,612 | $21,473,070 | $21,701,052 |
| Debt Securities, Held-to-maturity, Allowance for Credit Loss | $32 | $32 | $32 | $32 |
| Debt Securities, Held-to-maturity, Fair Value | $1,121,830 | $1,002,544 | $961,870 | $902,853 |
| Debt Securities, Available-for-sale, Amortized Cost | $1,062,649 | $968,927 | $2,635,495 | $2,942,166 |
| Preferred Stock, Shares Authorized | 5,000,000 | 5,000,000 | 5,000,000 | 5,000,000 |
| Preferred Stock, Shares Issued | 0 | 0 | 0 | 0 |
| Common Stock, Shares Authorized | 150,000,000 | 150,000,000 | 250,000,000 | 250,000,000 |
| Common Stock, Shares, Outstanding | 56,142,207 | 63,565,690 | 94,636,207 | 91,403,230 |
| Treasury Stock, Common, Shares | 3,154,518 | 2,918,535 | 3,086,190 | 6,319,167 |
| Fair Value Disclosure, Off-balance Sheet Risks, Amount, Liability | $3,091,997 | $2,856,308 | $3,662,810 | $3,662,810 |
| Letters of Credit Outstanding, Amount | $113,970 | $90,267 | $122,367 | $122,367 |
| Interest Receivable | $54,804 | $54,395 | $54,395 | $67,986 |
| (in thousands, except per share data) | FY 2023 | FY 2024 | FY 2025 | TTM |
|---|---|---|---|---|
| Net Income (Loss) Attributable to Parent | $144,678 | $195,457 | $181,272 | $314,055 |
| Net Cash Provided by (Used in) Operating Activities | $148,553 | $129,426 | $271,471 | $425,096 |
| Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents, Period Increase (Decrease), Including Exchange Rate Effect | $225,359 | $290,681 | $-21,314 | $-497,409 |
| Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents | $801,351 | $1,092,032 | $1,070,718 | $1,196,359 |
| Payments to Acquire Debt Securities, Available-for-sale | $11,899 | $174,229 | $1,201,061 | $796,364 |
| Depreciation, Depletion and Amortization | $35,231 | $32,284 | $16,212 | $9,118 |
| Proceeds from Sale of Debt Securities, Available-for-sale | $488,981 | $177,185 | $686,485 | $0 |
| Deferred Income Tax Expense (Benefit) | $-5,005 | $4,649 | $1,687 | $8,161 |
| Proceeds from Maturities, Prepayments and Calls of Debt Securities, Available-for-sale | $149,025 | $88,830 | $311,310 | $436,720 |
| Asset Impairment Charges | $19,352 | $0 | $0 | $0 |
| Proceeds from Maturities, Prepayments and Calls of Held-to-maturity Securities | $109,953 | $102,178 | $102,009 | $99,219 |
| Gain (Loss) on Sale of Investments | $547 | $3,472 | $1,467 | $0 |
| Proceeds from Sale of Mortgage Servicing Rights (MSR) | — | $23,011 | $9,353 | $0 |
| Gain (Loss) on Disposition of Business | — | $53,349 | $0 | $0 |
| Payments for (Proceeds from) Loans Receivable | $791,803 | $543,495 | $957,067 | $558,314 |
| Payments for Origination of Mortgage Loans Held-for-sale | $1,330,912 | $1,400,467 | $1,612,645 | $1,570,812 |
| Payments to Acquire Property, Plant, and Equipment | $21,634 | $13,645 | $33,720 | $31,074 |
| Proceeds from Sale of Mortgage Loans Held-for-sale | $1,277,363 | $1,347,659 | $1,616,372 | $1,703,882 |
| Proceeds from Sale of Property, Plant, and Equipment | $943 | $344 | $8,642 | $8,014 |
| Gain (Loss) on Sale of Mortgage Loans | $14,573 | $16,611 | $20,329 | $20,578 |
| Proceeds from Divestiture of Businesses | — | $55,333 | $6,412 | $6,412 |
| Debt and Equity Securities, Gain (Loss) | $-22,438 | $0 | $0 | $0 |
| Payments to Acquire Federal Home Loan Bank Stock | — | — | $26,426 | $11,717 |
| Gain (Loss) on Extinguishment of Debt | $0 | — | $0 | $0 |
| Proceeds from Sale of Federal Home Loan Bank Stock | — | — | $19,781 | $23,721 |
| Gain (Loss) on Disposition of Property Plant Equipment | $173 | $-33 | $2,498 | $2,107 |
| Proceeds from Sale of Other Assets, Investing Activities | $3,115 | $3,350 | $18,660 | $18,174 |
| Share-based Payment Arrangement, Noncash Expense | $13,716 | $13,883 | $17,723 | $19,497 |
| Proceeds from Life Insurance Policy | — | — | $56,255 | $0 |
| Bank Owned Life Insurance Income | $10,463 | $11,567 | $14,244 | $16,229 |
| Cash Acquired from Acquisition | — | — | $261,483 | $261,483 |
| IncreaseDecreaseInOperatingLeaseLiability | — | — | $9,816 | $9,628 |
| Payments for (Proceeds from) Other Investing Activities | $-1,844 | $-1,313 | $-3,859 | $-7,580 |
| Increase (Decrease) in Other Operating Assets | $51,986 | $15,014 | $27,061 | $32,766 |
| Net Cash Provided by (Used in) Investing Activities | $-55,399 | $-298,041 | $-734,025 | $-946,958 |
| Increase (Decrease) in Other Operating Liabilities | $23,998 | $-7,854 | $-824 | $-17,493 |
| Net Change Noninterest-bearing Deposits, Domestic | $-975,081 | $-179,694 | $443,674 | $507,350 |
| Proceeds from (Repayments of) Short-term Debt | $-404,655 | $-199,559 | $149,506 | $-90,124 |
| Repayments of Long-term Debt | $2,680 | $245 | $60,000 | $60,000 |
| Payments of Dividends | $50,279 | $53,727 | $78,604 | $87,023 |
| Payments for Repurchase of Common Stock | $0 | — | $13,336 | $149,674 |
| Proceeds from Issuance or Sale of Equity | — | $217,000 | $0 | $0 |
| Net Cash Provided by (Used in) Financing Activities | $132,205 | $459,296 | $441,240 | $24,453 |
| Interest Paid, Excluding Capitalized Interest, Operating Activities | $239,611 | $381,004 | $443,282 | $469,665 |
| Income Taxes Paid | $42,047 | $29,065 | $18,363 | $31,195 |
| Real Estate Owned, Transfer to Real Estate Owned | $10,738 | $5,037 | $14,737 | $23,391 |
| Business Combination, Consideration Transferred, Equity Interests Issued and Issuable | — | — | $1,050,821 | $-9,090 |