<SEC-DOCUMENT>0001564590-21-002466.txt : 20210127
<SEC-HEADER>0001564590-21-002466.hdr.sgml : 20210127
<ACCEPTANCE-DATETIME>20210127081035
ACCESSION NUMBER:		0001564590-21-002466
CONFORMED SUBMISSION TYPE:	8-K
PUBLIC DOCUMENT COUNT:		15
CONFORMED PERIOD OF REPORT:	20210127
ITEM INFORMATION:		Results of Operations and Financial Condition
ITEM INFORMATION:		Other Events
ITEM INFORMATION:		Financial Statements and Exhibits
FILED AS OF DATE:		20210127
DATE AS OF CHANGE:		20210127

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			NEW YORK COMMUNITY BANCORP INC
		CENTRAL INDEX KEY:			0000910073
		STANDARD INDUSTRIAL CLASSIFICATION:	SAVINGS INSTITUTIONS, NOT FEDERALLY CHARTERED [6036]
		IRS NUMBER:				061377322
		STATE OF INCORPORATION:			DE
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		8-K
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	001-31565
		FILM NUMBER:		21556770

	BUSINESS ADDRESS:	
		STREET 1:		615 MERRICK AVE
		CITY:			WESTBURY
		STATE:			NY
		ZIP:			11590
		BUSINESS PHONE:		7183596400

	MAIL ADDRESS:	
		STREET 1:		615 MERRICK AVE
		CITY:			WESTBURY
		STATE:			NY
		ZIP:			11590

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	QUEENS COUNTY BANCORP INC
		DATE OF NAME CHANGE:	19930802
</SEC-HEADER>
<DOCUMENT>
<TYPE>8-K
<SEQUENCE>1
<FILENAME>nycb-8k_20210127.htm
<DESCRIPTION>8-K
<TEXT>
<XBRL>
<?xml  version="1.0" encoding="utf-8"?>
<!-- DFIN ActiveDisclosure(SM) Inline XBRL Document - http://www.dfinsolutions.com/ -->
<!-- Creation Date      : 2021-01-27T01:16:23.4530293+00:00 -->
<!-- Version            : 5.0.1.571 -->
<!-- Package ID         : 14863761b22f4b1fb9f5d8ee7df4dc1e -->
<!-- Copyright (c) 2021 Donnelley Financial Solutions, Inc. All Rights Reserved. -->
<html xmlns:xbrli="http://www.xbrl.org/2003/instance" xmlns:xbrldi="http://xbrl.org/2006/xbrldi" xmlns:nycb="http://www.mynycb.com/20210127" xmlns:us-types="http://fasb.org/us-types/2020-01-31" xmlns:us-gaap="http://fasb.org/us-gaap/2020-01-31" xmlns:stpr="http://xbrl.sec.gov/stpr/2018-01-31" xmlns:srt-types="http://fasb.org/srt-types/2020-01-31" xmlns:srt="http://fasb.org/srt/2020-01-31" xmlns:sic="http://xbrl.sec.gov/sic/2020-01-31" xmlns:naics="http://xbrl.sec.gov/naics/2017-01-31" xmlns:exch="http://xbrl.sec.gov/exch/2020-01-31" xmlns:num="http://www.xbrl.org/dtr/type/numeric" xmlns:nonnum="http://www.xbrl.org/dtr/type/non-numeric" xmlns:dei-std="http://xbrl.sec.gov/dei-std/2020-01-31" xmlns:dei-ent-std="http://xbrl.sec.gov/dei-ent-std/2020-01-31" xmlns:dei="http://xbrl.sec.gov/dei/2020-01-31" xmlns:currency="http://xbrl.sec.gov/currency/2020-01-31" xmlns:country="http://xbrl.sec.gov/country/2020-01-31" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:utr="http://www.xbrl.org/2009/utr" xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:iso4217="http://www.xbrl.org/2003/iso4217" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:ix="http://www.xbrl.org/2013/inlineXBRL" xmlns:ixt="http://www.xbrl.org/inlineXBRL/transformation/2015-02-26" xmlns:ixt-sec="http://www.sec.gov/inlineXBRL/transformation/2015-08-31" xmlns="http://www.w3.org/1999/xhtml">
<head>
<meta http-equiv="Content-Type" content="text/html" />
<title>
nycb-8k_20210127.htm
</title>
</head>
<!-- NG Converter v5.0.2.50 -->
<body><div style="display:none">
	<ix:header>
		<ix:hidden>
			<ix:nonNumeric id="F_000001" name="dei:AmendmentFlag" contextRef="C_0000910073_20210127_20210127">false</ix:nonNumeric>
			<ix:nonNumeric id="F_000002" name="dei:EntityCentralIndexKey" contextRef="C_0000910073_20210127_20210127">0000910073</ix:nonNumeric>
		</ix:hidden>
		<ix:references>
			<link:schemaRef xlink:type="simple" xlink:href="nycb-20210127.xsd" xlink:arcrole="http://www.xbrl.org/2003/linkbase" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:link="http://www.xbrl.org/2003/linkbase"></link:schemaRef>
		</ix:references>
		<ix:resources>
			<xbrli:context id="C_0000910073_20210127_20210127">
				<xbrli:entity>
					<xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier>
				</xbrli:entity>
				<xbrli:period>
					<xbrli:startDate>2021-01-27</xbrli:startDate>
					<xbrli:endDate>2021-01-27</xbrli:endDate>
				</xbrli:period>
			</xbrli:context>
			<xbrli:context id="C_0000910073_us-gaapStatementClassOfStockAxis_us-gaapCommonStockMember_20210127_20210127">
				<xbrli:entity>
					<xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier>
					<xbrli:segment>
						<xbrldi:explicitMember dimension="us-gaap:StatementClassOfStockAxis">us-gaap:CommonStockMember</xbrldi:explicitMember>
					</xbrli:segment>
				</xbrli:entity>
				<xbrli:period>
					<xbrli:startDate>2021-01-27</xbrli:startDate>
					<xbrli:endDate>2021-01-27</xbrli:endDate>
				</xbrli:period>
			</xbrli:context>
			<xbrli:context id="C_0000910073_us-gaapStatementClassOfStockAxis_nycbBifurcatedOptionNotesUnitSecuritiesMember_20210127_20210127">
				<xbrli:entity>
					<xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier>
					<xbrli:segment>
						<xbrldi:explicitMember dimension="us-gaap:StatementClassOfStockAxis">nycb:BifurcatedOptionNotesUnitSecuritiesMember</xbrldi:explicitMember>
					</xbrli:segment>
				</xbrli:entity>
				<xbrli:period>
					<xbrli:startDate>2021-01-27</xbrli:startDate>
					<xbrli:endDate>2021-01-27</xbrli:endDate>
				</xbrli:period>
			</xbrli:context>
			<xbrli:context id="C_0000910073_us-gaapStatementClassOfStockAxis_nycbFixedToFloatingRateSeriesANoncumulativePerpetualPreferredStockMember_20210127_20210127">
				<xbrli:entity>
					<xbrli:identifier scheme="http://www.sec.gov/CIK">0000910073</xbrli:identifier>
					<xbrli:segment>
						<xbrldi:explicitMember dimension="us-gaap:StatementClassOfStockAxis">nycb:FixedToFloatingRateSeriesANoncumulativePerpetualPreferredStockMember</xbrldi:explicitMember>
					</xbrli:segment>
				</xbrli:entity>
				<xbrli:period>
					<xbrli:startDate>2021-01-27</xbrli:startDate>
					<xbrli:endDate>2021-01-27</xbrli:endDate>
				</xbrli:period>
			</xbrli:context>
		</ix:resources>
	</ix:header>
</div>

<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-weight:bold;font-size:11pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">UNITED STATES</p>
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-weight:bold;font-size:11pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">SECURITIES AND EXCHANGE COMMISSION</p>
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:11pt;">Washington, D.C. 20549&#160;</p>
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:11pt;">&#160;</p>
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-weight:bold;font-size:11pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">FORM <ix:nonNumeric id="F_000003" name="dei:DocumentType" contextRef="C_0000910073_20210127_20210127">8-K</ix:nonNumeric></p>
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-weight:bold;;font-size:11pt;">&#160;</p>
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-weight:bold;font-size:11pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">CURRENT REPORT</p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:11pt;">&#160;</p>
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934</p>
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:11pt;">&#160;</p>
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:11pt;">&#160;</p>
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Date of Report (Date of earliest event reported): <span style="text-decoration:underline;"> <ix:nonNumeric id="F_000004" name="dei:DocumentPeriodEndDate" contextRef="C_0000910073_20210127_20210127" format="ixt:datemonthdayyearen">January 27, 2021</ix:nonNumeric></span></p>
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-weight:bold;;font-size:11pt;">&#160;</p>
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-weight:bold;font-size:11pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;"><span style="text-decoration:underline;"><ix:nonNumeric id="F_000000" name="dei:EntityRegistrantName" contextRef="C_0000910073_20210127_20210127">NEW YORK COMMUNITY BANCORP, INC.</ix:nonNumeric></span></p>
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:9pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(Exact name of registrant as specified in its charter)</p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:11pt;">&#160;</p>
<div>
<table border="0" cellspacing="0" cellpadding="0" style="margin:auto;border-collapse:collapse; width:100%;">
<tr>
<td style="width:22.58%;"></td>
<td style="width:18.1%;"></td>
<td style="width:19.82%;"></td>
<td style="width:14.73%;"></td>
<td style="width:24.76%;"></td>
</tr>
<tr>
<td valign="top" style=" border-bottom:solid 0.75pt #000000;">
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><ix:nonNumeric id="F_000005" name="dei:EntityIncorporationStateCountryCode" contextRef="C_0000910073_20210127_20210127" format="ixt-sec:stateprovnameen">Delaware</ix:nonNumeric></p></td>
<td valign="top" style=" border-bottom:solid 0.75pt transparent;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-family:Times New Roman;font-size:10pt;">&#160;</p></td>
<td valign="top" style=" border-bottom:solid 0.75pt #000000;">
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><ix:nonNumeric id="F_000006" name="dei:EntityFileNumber" contextRef="C_0000910073_20210127_20210127">1-31565</ix:nonNumeric></p></td>
<td valign="top" style=" border-bottom:solid 0.75pt transparent;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:11pt;">&#160;</p></td>
<td valign="top" style=" border-bottom:solid 0.75pt #000000;">
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><ix:nonNumeric id="F_000007" name="dei:EntityTaxIdentificationNumber" contextRef="C_0000910073_20210127_20210127">06-1377322</ix:nonNumeric></p></td>
</tr>
<tr>
<td valign="top" style=" border-top:solid 0.75pt #000000;">
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:8pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(State or other jurisdiction of incorporation or organization)</p></td>
<td valign="top">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-family:Times New Roman;font-size:10pt;">&#160;</p></td>
<td valign="top" style=" border-top:solid 0.75pt #000000;">
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:8pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Commission File Number</p></td>
<td valign="top">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-family:Times New Roman;font-size:10pt;">&#160;</p></td>
<td valign="top" style=" border-top:solid 0.75pt #000000;">
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:8pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(I.R.S. Employer Identification No.)</p></td>
</tr>
</table></div>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:11pt;">&#160;</p>
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><ix:nonNumeric id="F_000008" name="dei:EntityAddressAddressLine1" contextRef="C_0000910073_20210127_20210127">615 Merrick Avenue</ix:nonNumeric>, <ix:nonNumeric id="F_000009" name="dei:EntityAddressCityOrTown" contextRef="C_0000910073_20210127_20210127">Westbury</ix:nonNumeric>, <ix:nonNumeric id="F_000010" name="dei:EntityAddressStateOrProvince" contextRef="C_0000910073_20210127_20210127" format="ixt-sec:stateprovnameen">New York</ix:nonNumeric> <ix:nonNumeric id="F_000011" name="dei:EntityAddressPostalZipCode" contextRef="C_0000910073_20210127_20210127">11590</ix:nonNumeric></p>
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-weight:bold;font-size:9pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">(Address of principal executive offices)</p>
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:11pt;">&#160;</p>
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:11pt;">&#160;</p>
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><ix:nonNumeric id="F_000012" name="dei:CityAreaCode" contextRef="C_0000910073_20210127_20210127">(516)</ix:nonNumeric> <ix:nonNumeric id="F_000013" name="dei:LocalPhoneNumber" contextRef="C_0000910073_20210127_20210127">683-4100</ix:nonNumeric></p>
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-weight:bold;font-size:9pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">(Registrant's telephone number, including area code)</p>
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:11pt;">&#160;</p>
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Not applicable</p>
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-weight:bold;font-size:9pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">(Former name or former address, if changed since last report)</p>
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:11pt;">&#160;</p>
<p style="text-align:center;margin-top:6pt;margin-bottom:0pt;text-indent:0%;font-size:8pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Securities registered pursuant to Section&#160;12(b) of the Act: </p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:6pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#160;</p>
<div>
<table border="0" cellspacing="0" cellpadding="0" style="margin:auto;border-collapse:collapse; width:100%;">
<tr>
<td valign="bottom" style="width:33.32%;white-space:nowrap;">
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;font-size:8pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">Title of each class</p>
<p style="text-align:center;margin-top:1pt;line-height:1pt;border-top:Solid 1pt;padding-top:1pt;margin-bottom:0pt;margin-left:0pt;;text-indent:0pt;;font-size:8pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#160;</p></td>
<td valign="bottom" style="padding-left:7.2pt;padding-Right:0pt;padding-Top:0pt;padding-Bottom:0pt;width:33.34%;">
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;font-size:8pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">Trading</p>
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;font-size:8pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">symbol(s)</p>
<p style="text-align:center;line-height:1pt;border-top:Solid 1pt;padding-top:1pt;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:8pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#160;</p></td>
<td valign="bottom" style="padding-left:7.2pt;padding-Right:0pt;padding-Top:0pt;padding-Bottom:0pt;width:33.34%;">
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;font-size:8pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">Name of each exchange</p>
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;font-size:8pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">on which registered</p>
<p style="text-align:center;line-height:1pt;border-top:Solid 1pt;padding-top:1pt;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:8pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#160;</p></td>
</tr>
<tr>
<td valign="top" style="width:33.32%;">
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;font-size:8pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;"><ix:nonNumeric id="F_000019" name="dei:Security12bTitle" contextRef="C_0000910073_us-gaapStatementClassOfStockAxis_us-gaapCommonStockMember_20210127_20210127">Common Stock, $0.01 par value per share</ix:nonNumeric></p></td>
<td valign="top" style="padding-left:7.2pt;padding-Right:0pt;padding-Top:0pt;padding-Bottom:0pt;width:33.34%;">
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;font-size:8pt;font-family:Century Schoolbook;font-style:normal;text-transform:none;font-variant: normal;"><ix:nonNumeric id="F_000022" name="dei:TradingSymbol" contextRef="C_0000910073_us-gaapStatementClassOfStockAxis_us-gaapCommonStockMember_20210127_20210127">NYCB</ix:nonNumeric></p></td>
<td valign="top" style="padding-left:7.2pt;padding-Right:0pt;padding-Top:0pt;padding-Bottom:0pt;width:33.34%;">
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;font-size:8pt;font-family:Century Schoolbook;font-style:normal;text-transform:none;font-variant: normal;"><ix:nonNumeric id="F_000025" name="dei:SecurityExchangeName" contextRef="C_0000910073_us-gaapStatementClassOfStockAxis_us-gaapCommonStockMember_20210127_20210127" format="ixt-sec:exchnameen">New York Stock Exchange</ix:nonNumeric></p></td>
</tr>
<tr>
<td valign="top" style="width:33.32%;">
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;font-size:8pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;"><ix:nonNumeric id="F_000020" name="dei:Security12bTitle" contextRef="C_0000910073_us-gaapStatementClassOfStockAxis_nycbBifurcatedOptionNotesUnitSecuritiesMember_20210127_20210127">Bifurcated Option Note Unit SecuritiES</ix:nonNumeric> <sup style="font-size:85%;line-height:120%;vertical-align:top">SM </sup></p>
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:6pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#160;</p>
<p style="text-align:center;margin-bottom:1pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;font-size:8pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;"><ix:nonNumeric id="F_000021" name="dei:Security12bTitle" contextRef="C_0000910073_us-gaapStatementClassOfStockAxis_nycbFixedToFloatingRateSeriesANoncumulativePerpetualPreferredStockMember_20210127_20210127">Fixed-to-Floating Rate Series A Noncumulative Perpetual Preferred Stock, $0.01 par value</ix:nonNumeric></p></td>
<td valign="top" style="padding-left:7.2pt;padding-Right:0pt;padding-Top:0pt;padding-Bottom:0pt;width:33.34%;">
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;font-size:8pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;"><ix:nonNumeric id="F_000023" name="dei:TradingSymbol" contextRef="C_0000910073_us-gaapStatementClassOfStockAxis_nycbBifurcatedOptionNotesUnitSecuritiesMember_20210127_20210127">NYCB PU</ix:nonNumeric></p>
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:6pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#160;</p>
<p style="text-align:center;margin-bottom:1pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;font-size:8pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;"><ix:nonNumeric id="F_000024" name="dei:TradingSymbol" contextRef="C_0000910073_us-gaapStatementClassOfStockAxis_nycbFixedToFloatingRateSeriesANoncumulativePerpetualPreferredStockMember_20210127_20210127">NYCB PA</ix:nonNumeric></p></td>
<td valign="top" style="padding-left:7.2pt;padding-Right:0pt;padding-Top:0pt;padding-Bottom:0pt;width:33.34%;">
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;font-size:8pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;"><ix:nonNumeric id="F_000026" name="dei:SecurityExchangeName" contextRef="C_0000910073_us-gaapStatementClassOfStockAxis_nycbBifurcatedOptionNotesUnitSecuritiesMember_20210127_20210127" format="ixt-sec:exchnameen">New York Stock Exchange</ix:nonNumeric></p>
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:6pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#160;</p>
<p style="text-align:center;margin-bottom:1pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;font-size:8pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;"><ix:nonNumeric id="F_000027" name="dei:SecurityExchangeName" contextRef="C_0000910073_us-gaapStatementClassOfStockAxis_nycbFixedToFloatingRateSeriesANoncumulativePerpetualPreferredStockMember_20210127_20210127" format="ixt-sec:exchnameen">New York Stock Exchange</ix:nonNumeric></p></td>
</tr>
</table></div>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:11pt;">&#160;</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:</p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;">&#160;</p>
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:9.51%;text-indent:-7.32%;font-size:10pt;font-family:Segoe UI Symbol;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><ix:nonNumeric id="F_000014" name="dei:WrittenCommunications" contextRef="C_0000910073_20210127_20210127" format="ixt-sec:boolballotbox">&#9744;</ix:nonNumeric>&#160;&#160;<span style="font-family:Times New Roman;">Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)</span></p>
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:9.51%;text-indent:-7.32%;font-size:10pt;font-family:Segoe UI Symbol;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><ix:nonNumeric id="F_000015" name="dei:SolicitingMaterial" contextRef="C_0000910073_20210127_20210127" format="ixt-sec:boolballotbox">&#9744;</ix:nonNumeric>&#160;&#160;<span style="font-family:Times New Roman;">Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)</span></p>
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:9.51%;text-indent:-7.32%;font-size:10pt;font-family:Segoe UI Symbol;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><ix:nonNumeric id="F_000016" name="dei:PreCommencementTenderOffer" contextRef="C_0000910073_20210127_20210127" format="ixt-sec:boolballotbox">&#9744;</ix:nonNumeric>&#160;&#160;<span style="font-family:Times New Roman;">Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))</span></p>
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:9.51%;text-indent:-7.32%;font-size:10pt;font-family:Segoe UI Symbol;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><ix:nonNumeric id="F_000017" name="dei:PreCommencementIssuerTenderOffer" contextRef="C_0000910073_20210127_20210127" format="ixt-sec:boolballotbox">&#9744;</ix:nonNumeric>&#160;&#160;<span style="font-family:Times New Roman;">Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))</span></p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;">&#160;</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (Section 230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (Section 240.12b-2 of this chapter). </p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;">&#160;</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Emerging growth company <span style="font-family:Segoe UI Symbol;"><ix:nonNumeric id="F_000018" name="dei:EntityEmergingGrowthCompany" contextRef="C_0000910073_20210127_20210127" format="ixt-sec:boolballotbox">&#9744;</ix:nonNumeric></span></p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;">&#160;</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. <span style="font-family:Segoe UI Symbol;">&#9744;</span></p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&#160;</p>
<hr style="page-break-after:always" />
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:10pt;">&#160;</p>
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><span style="text-decoration:underline;">CURRENT REPORT ON FORM 8-K</span></p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:11pt;">&#160;</p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:11pt;">&#160;</p>
<div>
<table border="0" cellspacing="0" cellpadding="0" style="margin:auto;border-collapse:collapse; width:100%;">
<tr>
<td valign="top" style="width:9.14%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Item 2.02</p></td>
<td valign="top" style="width:0.2%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:11pt;">&#160;</p></td>
<td valign="top" style="width:73.72%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><span style="text-decoration:underline;">Results of Operations and Financial Condition</span></p></td>
<td valign="top" style="width:16.94%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:11pt;">&#160;</p></td>
</tr>
<tr>
<td valign="top" style="width:9.14%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:11pt;">&#160;</p></td>
<td valign="top" style="width:0.2%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:11pt;">&#160;</p></td>
<td colspan="2" valign="top" style="width:90.66%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:11pt;">&#160;</p></td>
</tr>
<tr>
<td valign="top" style="width:9.14%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:11pt;">&#160;</p></td>
<td valign="top" style="width:0.2%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:11pt;">&#160;</p></td>
<td colspan="2" valign="top" style="width:90.66%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">On January 27, 2021, New York Community Bancorp, Inc. (the "Company") issued a news release reporting its financial results for the three and twelve months ended December 31, 2020.&#160;&#160;A copy of the news release is attached as Exhibit 99.1 to this report.</p></td>
</tr>
<tr>
<td valign="top" style="width:9.14%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:11pt;">&#160;</p></td>
<td valign="top" style="width:0.2%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:11pt;">&#160;</p></td>
<td colspan="2" valign="top" style="width:90.66%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:11pt;">&#160;</p></td>
</tr>
<tr>
<td valign="top" style="width:9.14%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Item 8.01</p></td>
<td valign="top" style="width:0.2%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:11pt;">&#160;</p></td>
<td colspan="2" valign="top" style="width:90.66%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><span style="text-decoration:underline;">Other Events</span></p></td>
</tr>
<tr>
<td valign="top" style="width:9.14%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:11pt;">&#160;</p></td>
<td valign="top" style="width:0.2%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:11pt;">&#160;</p></td>
<td colspan="2" valign="top" style="width:90.66%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:11pt;">&#160;</p></td>
</tr>
<tr>
<td valign="top" style="width:9.14%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:11pt;">&#160;</p></td>
<td valign="top" style="width:0.2%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:11pt;">&#160;</p></td>
<td colspan="2" valign="top" style="width:90.66%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">On January 27, 2021, the Company announced that its Board of Directors declared a $0.17 per diluted common share dividend, payable on February 16, 2021 to shareholders of record as of February 6, 2021. </p></td>
</tr>
<tr>
<td valign="top" style="width:9.14%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:11pt;">&#160;</p></td>
<td valign="top" style="width:0.2%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:11pt;">&#160;</p></td>
<td colspan="2" valign="top" style="width:90.66%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:11pt;">&#160;</p></td>
</tr>
<tr>
<td valign="top" style="width:9.14%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Item 9.01</p></td>
<td valign="top" style="width:0.2%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:11pt;">&#160;</p></td>
<td colspan="2" valign="top" style="width:90.66%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><span style="text-decoration:underline;">Financial Statements and Exhibits</span></p></td>
</tr>
<tr>
<td valign="top" style="width:9.14%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:11pt;">&#160;</p></td>
<td valign="top" style="width:0.2%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:11pt;">&#160;</p></td>
<td colspan="2" valign="top" style="width:90.66%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:11pt;">&#160;</p></td>
</tr>
<tr>
<td valign="top" style="width:9.14%;">
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(d)</p></td>
<td valign="top" style="width:0.2%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:11pt;">&#160;</p></td>
<td colspan="2" valign="top" style="width:90.66%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Attached as Exhibit 99.1 is the news release issued by the Company on January 27, 2021 to report its financial results for the three and twelve months ended December 31, 2020..</p></td>
</tr>
</table></div>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:11pt;">&#160;</p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><span style="text-decoration:underline;"><br /></span></p>
<hr style="page-break-after:always" />
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:10pt;">&#160;</p>
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><span style="text-decoration:underline;">EXHIBIT INDEX</span></p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&#160;</p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&#160;</p>
<div>
<table border="0" cellspacing="0" cellpadding="0" style="margin:auto;border-collapse:collapse; width:100%;">
<tr>
<td valign="top" style="width:13.7%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><span style="text-decoration:underline;">Exhibit Number</span></p></td>
<td valign="top" style="width:1.14%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-family:Times New Roman;font-size:11pt;">&#160;</p></td>
<td valign="top" style="width:10.28%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><span style="text-decoration:underline;">Description</span></p></td>
<td valign="top" style="width:74.88%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-family:Times New Roman;font-size:11pt;">&#160;</p></td>
</tr>
<tr>
<td valign="top" style="width:13.7%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-family:Times New Roman;font-size:11pt;">&#160;</p></td>
<td valign="top" style="width:1.14%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-family:Times New Roman;font-size:11pt;">&#160;</p></td>
<td colspan="2" valign="top" style="width:85.16%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-family:Times New Roman;font-size:11pt;">&#160;</p></td>
</tr>
<tr>
<td valign="top" style="width:13.7%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Exhibit 99.1</p></td>
<td valign="top" style="width:1.14%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-family:Times New Roman;font-size:11pt;">&#160;</p></td>
<td colspan="2" valign="top" style="width:85.16%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><a href="d118686dex991.htm"><span style="text-decoration:underline;">Press release issued by the Company on January 27, 2021.</span></a></p></td>
</tr>
<tr>
<td valign="top" style="width:13.7%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Exhibit 104</p></td>
<td valign="top" style="width:1.14%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-family:Times New Roman;font-size:11pt;">&#160;</p></td>
<td colspan="2" valign="top" style="width:85.16%;">
<p style="Background-color:#FFFFFF;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Cover Page Interactive Data File (embedded within the Inline XBRL document).</p></td>
</tr>
</table></div>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&#160;</p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:11pt;">&#160;</p>
<hr style="page-break-after:always" />
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:10pt;">&#160;</p>
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><span style="text-decoration:underline;">SIGNATURE</span></p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&#160;</p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&#160;</p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:4.66%;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.</p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&#160;</p>
<div>
<table border="0" cellspacing="0" cellpadding="0" style="margin:auto;border-collapse:collapse; width:100%;">
<tr>
<td valign="top" style="width:4.56%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Date: </p></td>
<td valign="top" style="width:17.7%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><span style="text-decoration:underline;"> January 27, 2021</span></p></td>
<td valign="top" style="width:27.76%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-family:Times New Roman;font-size:11pt;">&#160;</p></td>
<td colspan="2" valign="top" style="width:49.98%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">NEW YORK COMMUNITY BANCORP, INC.</p></td>
</tr>
<tr>
<td colspan="2" valign="top" style="width:22.26%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-family:Times New Roman;font-size:11pt;">&#160;</p></td>
<td valign="top" style="width:27.76%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-family:Times New Roman;font-size:11pt;">&#160;</p></td>
<td colspan="2" valign="top" style="width:49.98%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-family:Times New Roman;font-size:11pt;">&#160;</p></td>
</tr>
<tr>
<td colspan="2" valign="top" style="width:22.26%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-family:Times New Roman;font-size:11pt;">&#160;</p></td>
<td valign="top" style="width:27.76%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-family:Times New Roman;font-size:11pt;">&#160;</p></td>
<td colspan="2" valign="top" style="width:49.98%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-family:Times New Roman;font-size:11pt;">&#160;</p></td>
</tr>
<tr>
<td colspan="2" valign="top" style="width:22.26%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-family:Times New Roman;font-size:11pt;">&#160;</p></td>
<td valign="top" style="width:27.76%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-family:Times New Roman;font-size:11pt;">&#160;</p></td>
<td valign="top" style="width:21.9%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><span style="text-decoration:underline;">/s/ Salvatore J. DiMartino</span></p></td>
<td valign="top" style="width:28.08%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-family:Times New Roman;font-size:11pt;">&#160;</p></td>
</tr>
<tr>
<td colspan="2" valign="top" style="width:22.26%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-family:Times New Roman;font-size:11pt;">&#160;</p></td>
<td valign="top" style="width:27.76%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-family:Times New Roman;font-size:11pt;">&#160;</p></td>
<td colspan="2" valign="top" style="width:49.98%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Salvatore J. DiMartino</p></td>
</tr>
<tr>
<td colspan="2" valign="top" style="width:22.26%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-family:Times New Roman;font-size:11pt;">&#160;</p></td>
<td valign="top" style="width:27.76%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-family:Times New Roman;font-size:11pt;">&#160;</p></td>
<td colspan="2" valign="top" style="width:49.98%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Managing Director</p></td>
</tr>
<tr>
<td colspan="2" valign="top" style="width:22.26%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-family:Times New Roman;font-size:11pt;">&#160;</p></td>
<td valign="top" style="width:27.76%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-family:Times New Roman;font-size:11pt;">&#160;</p></td>
<td colspan="2" valign="top" style="width:49.98%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Director, Investor Relations and Strategic Planning</p></td>
</tr>
</table></div>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&#160;</p></body>
</html>
</XBRL>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-99.1
<SEQUENCE>2
<FILENAME>d118686dex991.htm
<DESCRIPTION>EX-99.1
<TEXT>
<html><head><META content="text/html; charset=utf-8"></META></head><body style="font-size:10pt;font-family:Arial;color:black;">
<blockquote>
  <div style="width:100%;margin-left:10pt">
    <div align="right"><b>Exhibit 99.1</b></div>
  </div>
</blockquote>
<div style="width:100%;margin-left:10pt">
  <p style="text-align:center"><b>New York Community Bancorp, Inc. Reports Fourth
    Quarter And Full-Year 2020 Diluted EPS Of $0.39 And $1.02, On A GAAP Basis;
    $0.27 And $0.87 On A Non-GAAP Basis</b></p>
  <br />
  <br />
  CONTINUED DOUBLE-DIGIT NET INTEREST MARGIN EXPANSION, A 23% INCREASE IN PRE-PROVISION
  NET REVENUE AND STRONG LOAN ORIGINATIONS <br />
  <br />
  BOARD OF DIRECTORS DECLARES A $0.17 DIVIDEND PER COMMON SHARE</div>
<div style="width:100%;margin-left:10pt;"><div style="margin:0;margin-top:16pt;"><p>WESTBURY, N.Y., Jan. 27, 2021 /PRNewswire/ --</p><div><div><table id="convertedTable35b9" style="BORDER-TOP: 0px; BORDER-RIGHT: 0px; BORDER-COLLAPSE: collapse; BORDER-BOTTOM: 0px; BORDER-LEFT: 0px" cellspacing="0" cellpadding="0" border="0"><tr><td colspan="3" style="BORDER-TOP: black 0pt; BORDER-RIGHT: black 0pt; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-LEFT: black 0pt; PADDING-RIGHT: 6pt">
<br /></td></tr><tr><td colspan="3" style="BORDER-TOP: black 0pt; BORDER-RIGHT: black 1pt solid; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 0pt; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-LEFT: black 1pt solid; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b><u><b><u>Fourth Quarter and Full-Year 2020 Summary</u></b></u></b></font></font></p></td></tr><tr><td style="BORDER-TOP: black 0pt; BORDER-RIGHT: black 0pt; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 0pt; TEXT-ALIGN: left; PADDING-LEFT: 6pt; BORDER-LEFT: black 1pt solid; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY:
Arial; COLOR: black">&#8226;</font></font></p></td><td colspan="2" style="BORDER-TOP: black 0pt; BORDER-RIGHT: black 1pt solid; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 0pt; TEXT-ALIGN: left; PADDING-LEFT: 6pt; BORDER-LEFT: black 0pt; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b><u>Earnings</u></b><b>:</b></font></font></p></td></tr><tr><td style="BORDER-TOP: black 0pt; BORDER-RIGHT: black 0pt; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 0pt; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-LEFT: black 1pt solid; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP: black 0pt; BORDER-RIGHT: black 0pt; VERTICAL-ALIGN: top; BORDER-BOTTOM: black 0pt; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-LEFT: black 0pt; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">-</font></font></p></td><td style="BORDER-TOP: black 0pt; BORDER-RIGHT: black 1pt solid; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 0pt; TEXT-ALIGN: left; PADDING-LEFT: 6pt; BORDER-LEFT: black 0pt; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Diluted GAAP EPS of $0.39, up 70% compared to the third quarter of
this year and up 95% compared to the fourth quarter of last year; full-year 2020 GAAP EPS were $1.02, up 32% compared to full-year 2019.</font></font></p></td></tr><tr><td style="BORDER-TOP: black 0pt; BORDER-RIGHT: black 0pt; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 0pt; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-LEFT: black 1pt solid; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP: black 0pt; BORDER-RIGHT: black 0pt; VERTICAL-ALIGN: top; BORDER-BOTTOM: black 0pt; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-LEFT: black 0pt; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">-</font></font></p></td><td style="BORDER-TOP: black 0pt; BORDER-RIGHT: black 1pt solid; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 0pt; TEXT-ALIGN: left; PADDING-LEFT: 6pt; BORDER-LEFT: black 0pt; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Diluted fourth quarter GAAP EPS includes a $55.3 million tax benefit
related to certain provisions of the CARES Act; excluding this benefit, fourth quarter non-GAAP diluted EPS were $0.27, up 17% compared to the prior quarter and up 35% compared to the year-ago quarter.&#160; For the full year, non-GAAP diluted EPS were $0.87, up 13% compared to the prior year. This excludes full year tax benefit of $68.4 million.</font></font></p></td></tr><tr><td style="BORDER-TOP: black 0pt; BORDER-RIGHT: black 0pt; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 0pt; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-LEFT: black 1pt solid; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP: black 0pt; BORDER-RIGHT: black 0pt; VERTICAL-ALIGN: top; BORDER-BOTTOM: black 0pt; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-LEFT: black 0pt; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">-</font></font></p></td><td style="BORDER-TOP: black 0pt; BORDER-RIGHT: black 1pt solid; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 0pt; TEXT-ALIGN: left; PADDING-LEFT: 6pt; BORDER-LEFT: black 0pt; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Pre-provision net revenue totaled $189.4 million for the fourth
quarter, up 13% relative to the prior quarter and up 42% relative to the year-ago quarter; full year pre-provision net revenue was $650.0 million, up 23% compared to the prior year. <sup>(1)</sup></font></font></p></td></tr><tr><td style="BORDER-TOP: black 0pt; BORDER-RIGHT: black 0pt; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 0pt; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-LEFT: black 1pt solid; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP: black 0pt; BORDER-RIGHT: black 0pt; VERTICAL-ALIGN: top; BORDER-BOTTOM: black 0pt; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-LEFT: black 0pt; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">-</font></font></p></td><td style="BORDER-TOP: black 0pt; BORDER-RIGHT: black 1pt solid; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 0pt; TEXT-ALIGN: left; PADDING-LEFT: 6pt; BORDER-LEFT: black 0pt; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Net income available to common shareholders for the fourth quarter
was $181.5 million, up 69% compared to the previous quarter and up 95% compared to the year-ago fourth quarter; non-GAAP net income available to common shareholders for the fourth quarter was $126.1 million, up 17% and 36%, respectively.</font></font></p></td></tr><tr><td style="BORDER-TOP: black 0pt; BORDER-RIGHT: black 0pt; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 0pt; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-LEFT: black 1pt solid; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP: black 0pt; BORDER-RIGHT: black 0pt; VERTICAL-ALIGN: top; BORDER-BOTTOM: black 0pt; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-LEFT: black 0pt; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">-</font></font></p></td><td style="BORDER-TOP: black 0pt; BORDER-RIGHT: black 1pt solid; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 0pt; TEXT-ALIGN: left; PADDING-LEFT: 6pt; BORDER-LEFT: black 0pt; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">The fourth quarter efficiency ratio improved to 41.36% compared to
both the previous and year-ago quarters.</font></font></p></td></tr><tr><td style="BORDER-TOP: black 0pt; BORDER-RIGHT: black 0pt; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 0pt; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-LEFT: black 1pt solid; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP: black 0pt; BORDER-RIGHT: black 0pt; VERTICAL-ALIGN: top; BORDER-BOTTOM: black 0pt; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-LEFT: black 0pt; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">-</font></font></p></td><td style="BORDER-TOP: black 0pt; BORDER-RIGHT: black 1pt solid; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 0pt; TEXT-ALIGN: left; PADDING-LEFT: 6pt; BORDER-LEFT: black 0pt; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">The fourth quarter provision for credit losses declined 15% to $11.0
million compared to the previous quarter.</font></font></p></td></tr><tr><td style="BORDER-TOP: black 0pt; BORDER-RIGHT: black 0pt; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 0pt; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-LEFT: black 1pt solid; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">&#8226;</font></font></p></td><td colspan="2" style="BORDER-TOP: black 0pt; BORDER-RIGHT: black 1pt solid; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 0pt; TEXT-ALIGN: left; PADDING-LEFT: 6pt; BORDER-LEFT: black 0pt; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR:
black"><b><u>Net Interest Margin/Income</u></b><b>:</b></font></font></p></td></tr><tr><td style="BORDER-TOP: black 0pt; BORDER-RIGHT: black 0pt; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 0pt; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-LEFT: black 1pt solid; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP: black 0pt; BORDER-RIGHT: black 0pt; VERTICAL-ALIGN: top; BORDER-BOTTOM: black 0pt; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-LEFT: black 0pt; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">-</font></font></p></td><td style="BORDER-TOP: black 0pt; BORDER-RIGHT: black 1pt solid; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 0pt; TEXT-ALIGN: left; PADDING-LEFT: 6pt; BORDER-LEFT: black 0pt; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">The net interest margin increased 18 bp to 2.47% compared to the
previous quarter and was up 43 bp compared to the year-ago fourth quarter.</font></font></p></td></tr><tr><td style="BORDER-TOP: black 0pt; BORDER-RIGHT: black 0pt; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 0pt; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-LEFT: black 1pt solid; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP: black 0pt; BORDER-RIGHT: black 0pt; VERTICAL-ALIGN: top; BORDER-BOTTOM: black 0pt; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-LEFT: black 0pt; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">-</font></font></p></td><td style="BORDER-TOP: black 0pt; BORDER-RIGHT: black 1pt solid; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 0pt; TEXT-ALIGN: left; PADDING-LEFT: 6pt; BORDER-LEFT: black 0pt; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Prepayment income added 17 bp to the NIM during the fourth quarter,
up eight bp compared to the previous quarter.&#160; Excluding the impact from prepayments, the NIM on a non-GAAP basis would have been up 10 bp to 2.30% compared to the previous quarter.</font></font></p></td></tr><tr><td style="BORDER-TOP: black 0pt; BORDER-RIGHT: black 0pt; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 0pt; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-LEFT: black 1pt solid; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP: black 0pt; BORDER-RIGHT: black 0pt; VERTICAL-ALIGN: top; BORDER-BOTTOM: black 0pt; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-LEFT: black 0pt; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">-</font></font></p></td><td style="BORDER-TOP: black 0pt; BORDER-RIGHT: black 1pt solid; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 0pt; TEXT-ALIGN: left; PADDING-LEFT: 6pt; BORDER-LEFT: black 0pt; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Net interest income for the fourth quarter increased 9% to $307.9
million compared to the third quarter and up 27% compared to the fourth quarter of last year.&#160; For 2020, net interest income was $1.1 billion, up 15% compared to 2019.</font></font></p></td></tr><tr><td style="BORDER-TOP: black 0pt; BORDER-RIGHT: black 0pt; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 0pt; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-LEFT: black 1pt solid; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">&#8226;</font></font></p></td><td colspan="2" style="BORDER-TOP: black 0pt; BORDER-RIGHT: black 1pt solid; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 0pt; TEXT-ALIGN: left; PADDING-LEFT: 6pt; BORDER-LEFT: black 0pt; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black;
MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b><u>Balance Sheet</u></b><b>: </b></font></font></p></td></tr><tr><td style="BORDER-TOP: black 0pt; BORDER-RIGHT: black 0pt; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 0pt; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-LEFT: black 1pt solid; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP: black 0pt; BORDER-RIGHT: black 0pt; VERTICAL-ALIGN: top; BORDER-BOTTOM: black 0pt; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-LEFT: black 0pt; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">-</font></font></p></td><td style="BORDER-TOP: black 0pt; BORDER-RIGHT: black 1pt solid; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 0pt; TEXT-ALIGN: left; PADDING-LEFT: 6pt; BORDER-LEFT: black 0pt; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Total loans held for investment increased $989.4 million to $42.9
billion at December 31, 2020, up 2% compared to December 31, 2019.</font></font></p></td></tr><tr><td style="BORDER-TOP: black 0pt; BORDER-RIGHT: black 0pt; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 0pt; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-LEFT: black 1pt solid; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP: black 0pt; BORDER-RIGHT: black 0pt; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 0pt; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-LEFT: black 0pt; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">-</font></font></p></td><td style="BORDER-TOP: black 0pt; BORDER-RIGHT: black 1pt solid; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 0pt; TEXT-ALIGN: left; PADDING-LEFT: 6pt; BORDER-LEFT: black 0pt; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Multi-family loans increased $1.1 billion or 3% for the full year
and $136.8 million during the fourth quarter.</font></font></p></td></tr><tr><td style="BORDER-TOP: black 0pt; BORDER-RIGHT: black 0pt; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 0pt; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-LEFT: black 1pt solid; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP: black 0pt; BORDER-RIGHT: black 0pt; VERTICAL-ALIGN: top; BORDER-BOTTOM: black 0pt; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-LEFT: black 0pt; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">-</font></font></p></td><td style="BORDER-TOP: black 0pt; BORDER-RIGHT: black 1pt solid; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 0pt; TEXT-ALIGN: left; PADDING-LEFT: 6pt; BORDER-LEFT: black 0pt; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Specialty finance loans and leases rose $439.2 million or 17% for the
full year and were relatively unchanged compared to the previous quarter.</font></font></p></td></tr><tr><td style="BORDER-TOP: black 0pt; BORDER-RIGHT: black 0pt; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 0pt; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-LEFT: black 1pt solid; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP: black 0pt; BORDER-RIGHT: black 0pt; VERTICAL-ALIGN: top; BORDER-BOTTOM: black 0pt; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-LEFT: black 0pt; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">-</font></font></p></td><td style="BORDER-TOP: black 0pt; BORDER-RIGHT: black 1pt solid; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 0pt; TEXT-ALIGN: left; PADDING-LEFT: 6pt; BORDER-LEFT: black 0pt; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Total deposits of $32.4 billion increased compared to both the
previous quarter and year-end 2019. CD balances declined while all other deposit categories grew.</font></font></p></td></tr><tr><td style="BORDER-TOP: black 0pt; BORDER-RIGHT: black 0pt; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 0pt; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-LEFT: black 1pt solid; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">&#8226;</font></font></p></td><td colspan="2" style="BORDER-TOP: black 0pt; BORDER-RIGHT: black 1pt solid; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 0pt; TEXT-ALIGN: left; PADDING-LEFT: 6pt; BORDER-LEFT: black 0pt; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font
style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b><u>Asset Quality</u></b><b>: </b></font></font></p></td></tr><tr><td style="BORDER-TOP: black 0pt; BORDER-RIGHT: black 0pt; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 0pt; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-LEFT: black 1pt solid; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP: black 0pt; BORDER-RIGHT: black 0pt; VERTICAL-ALIGN: top; BORDER-BOTTOM: black 0pt; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-LEFT: black 0pt; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">-</font></font></p></td><td style="BORDER-TOP: black 0pt; BORDER-RIGHT: black 1pt solid; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 0pt; TEXT-ALIGN: left; PADDING-LEFT: 6pt; BORDER-LEFT: black 0pt; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">At year-end 2020, full-payment loan deferrals declined to $83.6
million representing 0.2% of total loans compared to $6.1 billion or 14.4% of total loans at June 30, 2020.</font></font></p></td></tr><tr><td style="BORDER-TOP: black 0pt; BORDER-RIGHT: black 0pt; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 0pt; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-LEFT: black 1pt solid; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP: black 0pt; BORDER-RIGHT: black 0pt; VERTICAL-ALIGN: top; BORDER-BOTTOM: black 0pt; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-LEFT: black 0pt; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">-</font></font></p></td><td style="BORDER-TOP: black 0pt; BORDER-RIGHT: black 1pt solid; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 0pt; TEXT-ALIGN: left; PADDING-LEFT: 6pt; BORDER-LEFT: black 0pt; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Non-performing assets, excluding non-performing taxi
medallion-related assets, were $21.0 million or 0.04% of total assets compared to $22.9 million or 0.04% of total assets during the previous quarter.</font></font></p></td></tr><tr><td style="BORDER-TOP: black 0pt; BORDER-RIGHT: black 0pt; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 0pt; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-LEFT: black 1pt solid; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP: black 0pt; BORDER-RIGHT: black 0pt; VERTICAL-ALIGN: top; BORDER-BOTTOM: black 0pt; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-LEFT: black 0pt; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">-</font></font></p></td><td style="BORDER-TOP: black 0pt; BORDER-RIGHT: black 1pt solid; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 0pt; TEXT-ALIGN: left; PADDING-LEFT: 6pt; BORDER-LEFT: black 0pt; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">The ALLL rose $46.4 million to $194.0 million at year-end 2020
compared to the previous year end and represents 513.55% of non-performing loans and 0.45% of total loans as of December 31, 2020.</font></font></p></td></tr><tr><td style="BORDER-TOP: black 0pt; BORDER-RIGHT: black 0pt; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 0pt; TEXT-ALIGN: left; PADDING-LEFT: 6pt; BORDER-LEFT: black 1pt solid; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">&#8226;</font></font></p></td><td colspan="2" style="BORDER-TOP: black 0pt; BORDER-RIGHT: black 1pt solid; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 0pt; TEXT-ALIGN: left; PADDING-LEFT: 6pt; BORDER-LEFT: black 0pt; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font
style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b><u><b><u>Capital Position at December 31, 2020</u></b><b>:</b></u></b></font></font></p></td></tr><tr><td style="BORDER-TOP: black 0pt; BORDER-RIGHT: black 0pt; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 0pt; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-LEFT: black 1pt solid; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP: black 0pt; BORDER-RIGHT: black 0pt; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 0pt; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-LEFT: black 0pt; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">-</font></font></p></td><td style="BORDER-TOP: black 0pt; BORDER-RIGHT: black 1pt solid; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 0pt; TEXT-ALIGN: left; PADDING-LEFT: 6pt; BORDER-LEFT: black 0pt; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Common Equity Tier 1 Capital Ratio was 9.72%.
</font></font></p></td></tr><tr><td style="BORDER-TOP: black 0pt; BORDER-RIGHT: black 0pt; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 0pt; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-LEFT: black 1pt solid; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP: black 0pt; BORDER-RIGHT: black 0pt; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 0pt; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-LEFT: black 0pt; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">-</font></font></p></td><td style="BORDER-TOP: black 0pt; BORDER-RIGHT: black 1pt solid; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 0pt; TEXT-ALIGN: left; PADDING-LEFT: 6pt; BORDER-LEFT: black 0pt; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Tier 1 Risk-Based Capital Ratio was
10.95%.</font></font></p></td></tr><tr><td style="BORDER-TOP: black 0pt; BORDER-RIGHT: black 0pt; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 0pt; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-LEFT: black 1pt solid; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP: black 0pt; BORDER-RIGHT: black 0pt; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 0pt; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-LEFT: black 0pt; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">-</font></font></p></td><td style="BORDER-TOP: black 0pt; BORDER-RIGHT: black 1pt solid; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 0pt; TEXT-ALIGN: left; PADDING-LEFT: 6pt; BORDER-LEFT: black 0pt; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Total Risk-Based Capital Ratio was
12.97%.</font></font></p></td></tr><tr><td style="BORDER-TOP: black 0pt; BORDER-RIGHT: black 0pt; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-LEFT: black 1pt solid; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP: black 0pt; BORDER-RIGHT: black 0pt; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-LEFT: black 0pt; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">-</font></font></p></td><td style="BORDER-TOP: black 0pt; BORDER-RIGHT: black 1pt solid; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left; PADDING-LEFT: 6pt; BORDER-LEFT: black 0pt; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Leverage Capital Ratio was
8.52%.</font></font></p></td></tr></table></div></div><p></p><p></p><div><div><table id="convertedTableea26" style="BORDER-TOP: 0px; BORDER-RIGHT: 0px; BORDER-COLLAPSE: collapse; BORDER-BOTTOM: 0px; BORDER-LEFT: 0px" cellspacing="0" cellpadding="0" border="0"><tr><td style="BORDER-TOP: black 0pt; BORDER-RIGHT: black 0pt; VERTICAL-ALIGN: top; BORDER-BOTTOM: black 0pt; PADDING-LEFT: 6pt; BORDER-LEFT: black 0pt; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">(1)</font></font></p></td><td style="BORDER-TOP: black 0pt; BORDER-RIGHT: black 0pt; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 0pt; PADDING-LEFT: 6pt; BORDER-LEFT: black 0pt; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial;
COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Pre-provision net revenue is a non-GAAP measure, but we believe it is relevant to understanding the Company&#39;s financial results in light of the implementation of CECL and the economic impact of COVID-19. </font></font></p></td></tr></table></div></div><p>New York Community Bancorp, Inc. (NYSE: NYCB) (the &#34;Company&#34;) today reported net income for the three months ended December 31, 2020 of $189.7 million, up 64% compared to the $115.8 million we reported for the three months ended September 30, 2020 and up 87% compared to the $101.2 million we reported for the three months ended December 31, 2019.  Our fourth quarter and full-year 2020 results were impacted by a $55.3 million and a $68.4 million, respectively, income tax benefit
related to the CARES Act.  Excluding this benefit, net income on a non-GAAP basis for the three months ended December 31, 2020 was $134.4 million up 16% and 33%, respectively.  For the twelve months ended December 31, 2020, net income totaled $511.1 million, up 29% compared to the $395.0 million we reported for the twelve months ended December 31, 2019.  On a non-GAAP basis, full-year 2020 net income was $442.7 million, up 12% compared to full-year 2019.</p><p>Net income available to common shareholders for the fourth quarter of 2020 totaled $181.5 million, up 69% compared to the $107.6 million we reported in the third quarter of 2020 and up 95% compared to the fourth quarter of 2019.  Net income available to common shareholders on a non-GAAP basis for the fourth quarter of 2020 was $126.1 million, up 17% and 36%, respectively. For the twelve months ended December 31, 2020, net income
available to common shareholders was $478.3 million, up 32% compared to the previous year. On a non-GAAP basis, net income available to common shareholders totaled $409.9 million, up 13% compared to full-year 2019.</p><p>On a per share basis, the Company reported diluted EPS of $0.39 for the fourth quarter of 2020, up 70% compared to the $0.23 we reported in the prior quarter and up 95% compared to the year-ago quarter.  Diluted EPS on a non-GAAP basis were $0.27, up 17% compared to the prior quarter and up 35% compared to the year-ago quarter.  For full-year 2020, diluted EPS were $1.02 up 32% compared to the $0.77 we reported for full-year 2019.  Non-GAAP full-year 2020 diluted EPS were $0.87 per share, up 13% compared to full-year 2019.</p><p>Commenting on the Company&#39;s performance, President and Chief Executive Officer Thomas R. Cangemi stated: &#34;Overall, we are pleased with
our performance during 2020.  Despite a challenging operating environment due to the COVID-19 pandemic, the Company produced strong operating results characterized by double-digit EPS growth, continued margin expansion, a strong 23% increase in pre-provision net revenue, and strong origination growth.  Loan growth was modest, but this was offset by solid prepayment income.  Also, despite a small uptick in operating expenses during the fourth quarter, full-year operating expenses were flat, resulting in a lower efficiency ratio.</p><p>&#34;Our asset quality metrics continued to improve as non-performing assets declined and, to date, our loan deferral program has proven to be successful, as virtually all loans eligible to come off deferral have returned to payment status.  </p><p>&#34;Another positive was the continued improvement in the net interest margin during the current quarter.
Excluding the impact of prepayment income, the fourth quarter NIM on a non-GAAP basis was 2.30%, up 10 basis points compared to the third quarter and was up 23 basis points to 2.13% for the full year. Since bottoming during the third quarter of 2019, our non-GAAP NIM has risen 42 basis points. </p><p>&#34;The positives weren&#39;t limited to our financial performance. Operationally, we also had a very strong year. In 2020, we completed the largest systems conversion in our history, shifted our lenders to a new paperless desktop origination platform, allowing them to process loans without interruption, moved nearly all of our back-office employees to working remotely, and continued to service our customers through our branches and through on-line channels. All of this occurred without disruptions to our customers or our business. Moreover, the fact that this occurred while the country
and New York City were still suffering from the impact of the pandemic is a testament to our employees&#39; commitment to the Company. I could not be more proud of how our entire organization came together and rose to the challenge. So a big collective thank you goes out to every one of our 3,000 employees throughout the franchise.</p><p>&#34;Lastly, reflecting our earnings growth, capital position, and asset quality metrics, yesterday, our Board of Directors declared a quarterly cash dividend on our common stock of $0.17 per share.&#34;</p><p><b><u>DIVIDEND DECLARATION</u></b></p><p>The Board of Directors yesterday declared a quarterly cash dividend of $0.17 per share on the Company&#39;s common stock.  Based on a closing price of $10.96 as of January 26, 2021, this represents an annualized dividend yield of 6.2%.  The dividend is payable on February 16, 2021 to common shareholders of
record as of February 6, 2021.</p><p><b><u>BALANCE SHEET SUMMARY</u></b></p><p>At December 31, 2020, total assets were $56.3 billion, up $2.7 billion or 5% compared to total assets at December 31, 2019.  The year-over-year asset growth was driven by loan growth, primarily due to growth in the multi-family and specialty finance portfolios, and an increase in the balance of cash and cash equivalents, offset by a decline in the securities portfolio.  Asset growth during the year was funded largely through an increase in both deposits and wholesale borrowings.</p><p>On a linked-quarter basis, total assets increased $1.4 billion or 10% annualized compared to September 30, 2020.  Unlike the full-year trends, the sequential growth was driven by growth in the securities portfolio and in the level of cash and cash equivalents, while total loans increased only modestly.  Our balance sheet growth
during the fourth quarter was also funded by an increase in deposit balances and in the level of wholesale borrowings.</p><p>Total loans and leases held for investment increased $989.4 million or 2% to $42.9 billion compared to December 31, 2019.  Loan growth was centered on two portfolios, the multi-family portfolio and the specialty finance portfolio, while the commercial real estate (&#34;CRE&#34;) portfolio declined.  On a linked-quarter basis, total loans and leases held for investment increased $54.4 million or 1% annualized compared to September 30, 2020.  This was driven by growth in the multi-family portfolio, a decline in the CRE portfolio, while the specialty finance portfolio was relatively flat.</p><p>Total securities consisting primarily of available-for-sale securities declined $39.7 million or 1% to $5.8 billion compared to December 31, 2019.  Throughout the first nine
months of the year, the Company had refrained from adding to its securities portfolio, however, during the current fourth quarter, the Company added $1.0 billion of securities for liquidity purposes.  This led to a $579.6 million or an 11% sequential increase in our available-for-sale securities portfolio.</p><p>Similarly, the level of cash balances increased on both a year-over-year and linked-quarter basis.  At December 31, 2020, cash and cash equivalents totaled $1.9 billion, up $1.2 billion or 163% compared to December 31, 2019, while they increased $489.3 million or 34% compared to the level at September 30, 2020.</p><p>At December 31, 2020, deposits totaled $32.4 billion, up $779.7 million or 2% compared to December 31, 2019 and up $731.9 million or 9% annualized compared to September 30, 2020.  The deposit trends throughout 2020 have been favorable as CD balances have decreased,
while we have had strong growth in other categories such as savings, non-interest bearing accounts, and interest-bearing checking and money market accounts. </p><p>Looking ahead, the Company has approximately $10.0 billion of CDs which are scheduled to mature by year-end 2021 with a weighted average interest rate of 0.79%.  Of this amount, approximately $4.0 billion of CDs with a weighted average interest rate of 1.07% are scheduled to mature during the first quarter of 2021.</p><p>Total borrowed funds at December 31, 2020 increased $1.5 billion or 10% to $16.1 billion compared to December 31, 2019 and rose $400.2 million or 10% annualized compared to September 30, 2020. The Company has $1.0 billion of FHLB-NY advances maturing over the course of 2021 at an average rate of 2.03%, including $325.0 million with an average rate of 2.36% that are maturing during the first quarter of
2021.</p><p><b><u>Loans</u></b></p><p>Total multi-family loans increased $1.1 billion or 3% to $32.3 billion compared to the balance at December 31, 2019.  On a sequential basis, total multi-family loans rose $136.8 million or 2% annualized compared to September 30, 2020.  Growth during the current fourth quarter was impacted by a higher than normal level of loans refinancing away from us, due to market conditions that favored GSE financing. However, this was offset by higher prepayment income during the quarter.</p><p>Our specialty finance portfolio continued to grow, as specialty finance loans and leases increased $439.2 million or 17% to $3.1 billion compared to the level at December 31, 2019.  On a sequential basis, specialty finance loans and leases were relatively unchanged.</p><p>The CRE portfolio declined $245.4 million or 3% to $6.8 billion at December 31, 2020 and it declined
$48.8 million or 3% annualized compared to September 30, 2020.</p><p>Additionally, at December 31, 2020, the Company had $117.1 million of loans held for sale, relatively unchanged compared to September 30, 2020.  All of these loans are part of the Paycheck Protection Program (the &#34;PPP&#34;).  At December 31, 2019, the Company did not have any loans designated as held for sale.</p><p>During the current fourth quarter, the average size of our multi-family loans was $6.6 million and the average size of our CRE loans was $6.7 million.  Both metrics are relatively unchanged compared to the previous quarter.  During the year-ago fourth quarter, the average size of our multi-family loans was $6.4 million and for CRE loans it was $6.6 million.</p><p>The weighted average life of the multi-family portfolio for the current fourth quarter was 2.3 years compared to 2.0 years for the third
quarter of the year, while for the CRE portfolio it was 2.4 years compared to 2.3 years for the third quarter.  During the year-ago fourth quarter, the weighted average life of the multi-family portfolio was 2.0 years and for the CRE portfolio it was 2.3 years.</p><p><b><i>Originations
<br /></i></b>For the three months ended December 31, 2020, loans and leases originated for investment totaled $3.9 billion, exceeding the third-quarter pipeline by $2.1 billion, and up 30% compared to the volumes originated during the three months ended September 30, 2020.  Originations increased 17% compared to the $3.3 billion we originated for the fourth quarter of last year.  During full-year 2020, the Company originated $12.9 billion, up 21% compared to the $10.6 billion of originations during full-year 2019.</p><p><b><i>Pipeline
<br /></i></b>The current pipeline stands at $1.5 billion with 61% representing new money.  The current pipeline includes $1.1 billion of multi-family loans, $221 million in specialty finance loans and leases, $124 million in CRE loans, and $89 million in C&amp;I loans.</p><p><b><u>Asset Quality</u></b></p><p><b><i>Loan Deferral Update
<br /></i></b>As previously disclosed, the majority of our full-payment loan deferrals were eligible to come off their six-month deferral period during October and November 2020.  Accordingly, as of December 31, 2020, 99% or $6.0 billion of our loan deferrals have returned to payment status.  At December 31, 2020, $83.6 million of full-payment deferrals currently remain on deferral and are eligible to come off of their deferral program in the first two months of this year. Additionally, certain loans, representing 6.0% of the total loan portfolio, have been modified and are currently paying interest only.</p><p><b><i>Non-Performing Assets
<br /></i></b>The Company&#39;s asset quality remained solid during the fourth quarter and reflects the underlying strength of our core loan portfolio.  Non-performing assets (&#34;NPAs&#34;) at December 31, 2020 totaled $46.1 million compared to $54.9 million at September 30, 2020, down 16%.  This represents eight bp of total assets compared to 10 bp in the previous quarter.  Total non-accrual mortgage loans were $17.9 million compared to $18.4 million at September 30, 2020, down 3%, while other non-accrual loans (consisting primarily of non-accrual taxi medallion-related loans) were $19.9 million compared to $26.9 million in the previous quarter, down 26%.  Total repossessed assets were $8.3 million at December 31, 2020, down 13% compared to the previous quarter.</p><p>Non-performing taxi medallion-related assets totaled $25.1 million at December 31, 2020, down 22% compared to the
previous quarter.  Excluding the impact from non-performing taxi medallion-related assets, fourth quarter 2020 NPAs on a non-GAAP basis, would have been $21.0 million or four bp of total assets compared to $22.9 million also four bp of total assets as of third quarter 2020.</p><p><b><i>Allowance for Loan and Lease Losses
<br /></i></b>At December 31, 2020, the allowance for loan and lease losses (&#34;ALLL&#34;) totaled $194.0 million up $5.7 million compared to September 30, 2020 and up $46.4 million compared to December 31, 2019.  At December 31, 2020, the ALLL represented 513.55% of non-performing loans and 0.45% of total loans.  Both the annual and quarterly increases reflect the Company&#39;s adoption of the Current Expected Credit Losses (&#34;CECL&#34;) methodology on January 1, 2020 and also reflect a deterioration in forecasted economic conditions since the beginning of the year, arising from the COVID-19 pandemic, and the resultant estimated decreases in property values.</p><div><div><table style="BORDER-TOP-COLOR: ; BORDER-COLLAPSE: collapse; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; BORDER-RIGHT-COLOR: " cellspacing="0" cellpadding="0" border="0"><tr><td colspan="2" style="BORDER-TOP-COLOR:
; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">(in thousands)</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>Unfunded</b></font></font></p></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>Loans and Leases</b></font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>Commitments</b></font></font></p></td></tr><tr><td colspan="5" style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Allowance for credit losses at December 31, 2019</font></font></p></td><td
nowrap="nowrap" style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">$ &#160; &#160; &#160; &#160; &#160; &#160; &#160;147,638</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">$ &#160; &#160; &#160; &#160; &#160; &#160; &#160;461</font></font></p></td></tr><tr><td colspan="4" style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">&#160;&#160; CECL day 1
transition adjustment</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">1,911</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">12,529</font></font></p></td></tr><tr><td colspan="5" style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Adjusted allowance for credit losses at January 1,
2020</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">149,549</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">12,990</font></font></p></td></tr><tr><td colspan="4" style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">&#160;&#160; 2020 provision for credit losses</font></font></p></td><td
style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">63,279</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">(1,051)</font></font></p></td></tr><tr><td colspan="3" style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">&#160;&#160; 2020 net charge-offs</font></font></p></td><td
style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">(18,785)</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">-</font></font></p></td></tr><tr><td colspan="5" style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>Allowance for credit losses at December 31,
2020</b></font></font></p></td><td nowrap style="BORDER-TOP: black; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 2pt double; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>$ &#160; &#160; &#160; &#160; &#160; &#160; &#160;194,043</b></font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP: black; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 2pt double; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>$ &#160; &#160; &#160; &#160; &#160;11,939</b></font></font></p></td></tr></table></div></div><p> <b><u>CAPITAL POSITION</u></b></p><p>The Company&#39;s capital position remains strong at both the holding company level and at the Bank level, as all of our regulatory capital ratios continue to exceed regulatory minimums to be classified as &#34;Well Capitalized,&#34; the highest regulatory classification.</p><p>The table below depicts the Company&#39;s and the
Bank&#39;s regulatory capital ratios at those respective periods. </p><div><div><table style="BORDER-TOP-COLOR: ; BORDER-COLLAPSE: collapse; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; BORDER-RIGHT-COLOR: " cellspacing="0" cellpadding="0" border="0"><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>December 31,</b></font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>September 30,</b></font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>December 31,</b></font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>2020</b></font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>2020</b></font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>2019</b></font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>REGULATORY CAPITAL RATIOS: <b><sup>(1)</sup></b></b></font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>New York Community Bancorp, Inc.</b></font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: left; PADDING-LEFT: 12px; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Common equity tier 1 ratio</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">9.72</font></font></p></td><td style="BORDER-TOP-COLOR: ;
VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: left; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">%</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">9.68</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ;
BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: left; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">%</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">9.91</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: left; PADDING-LEFT:
6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">%</font></font></p></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: left; PADDING-LEFT: 12px; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Tier 1 risk-based capital ratio</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT:
6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">10.95</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">10.94</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">11.22</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: left; PADDING-LEFT: 12px; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Total risk-based capital ratio</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">12.97</font></font></p></td><td style="BORDER-TOP-COLOR:
; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">13.00</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">13.27</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: left; PADDING-LEFT: 12px; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Leverage capital ratio</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">8.52</font></font></p></td><td style="BORDER-TOP-COLOR: ;
VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">8.42</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">8.66</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>New York Community Bank</b></font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: left; PADDING-LEFT: 12px; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Common equity tier 1 ratio</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">12.18</font></font></p></td><td style="BORDER-TOP-COLOR: ;
VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: left; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">%</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">12.20</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ;
BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: left; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">%</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">12.42</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: left; PADDING-LEFT:
6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">%</font></font></p></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: left; PADDING-LEFT: 12px; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Tier 1 risk-based capital ratio</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT:
6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">12.18</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">12.20</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">12.42</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: left; PADDING-LEFT: 12px; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Total risk-based capital ratio</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">12.62</font></font></p></td><td style="BORDER-TOP-COLOR:
; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">12.65</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">12.81</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: left; PADDING-LEFT: 12px; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Leverage capital ratio</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">9.48</font></font></p></td><td style="BORDER-TOP-COLOR: ;
VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">9.40</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">9.59</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 12px; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td></tr></table></div></div>
<br /><div><div><table id="convertedTable3367" style="BORDER-TOP: 0px; BORDER-RIGHT: 0px; BORDER-COLLAPSE: collapse; BORDER-BOTTOM: 0px; BORDER-LEFT: 0px" cellspacing="0" cellpadding="0" border="0"><tr><td style="BORDER-TOP: black 0pt; BORDER-RIGHT: black 0pt; VERTICAL-ALIGN: top; BORDER-BOTTOM: black 0pt; PADDING-LEFT: 6pt; BORDER-LEFT: black 0pt; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">(1)</font></font></p></td><td style="BORDER-TOP: black 0pt; BORDER-RIGHT: black 0pt; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 0pt; PADDING-LEFT: 6pt; BORDER-LEFT: black 0pt; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font
style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">The minimum regulatory requirements for classification as a well-capitalized institution are a common equity tier 1 capital ratio of 6.5%; a tier one risk-based capital ratio of 8.00%; a total risk-based capital ratio of 10.00%; and a leverage capital ratio of 5.00%.</font></font></p></td></tr></table></div></div><p><b><u>EARNINGS SUMMARY FOR THE THREE AND TWELVE MONTHS ENDED DECEMBER 31, 2020</u></b></p><p><b><u>Net Interest Income </u></b></p><p>Net interest income for the three months ended December 31, 2020 increased $26.0 million or 9% compared to the three months ended September 30, 2020 and increased $65.4 million or 27% compared to the three months ended December 31, 2019.  Both the quarter-over-quarter and year-over-year improvement in our net interest income were
driven by a substantial decline in interest expense.  Interest expense for the three months ended December 31, 2020 declined $18.3 million or 13% on a sequential basis, while on a year-over-year basis, interest expense decreased $90.3 million or 43%.  The declines were primarily driven by lower funding costs, driven by lower CD rates.</p><p>Prepayment income for the three months ended December 31, 2020 totaled $20.9 million, up significantly compared to the previous quarter and up 17% compared to the year-ago quarter.  Excluding the impact from prepayment income, net interest income on a non-GAAP basis would have been $287.1 million, up $16.8 million or 6% on a linked-quarter basis and up $62.4 million or 28% on a year-over-year basis.</p><p>For the twelve months ended December 31, 2020, net interest income rose $142.7 million or 15% to $1.1 billion compared to $957.4 million for the
twelve months ended December 31, 2019.  This improvement was also due to lower interest expense, owing to lower funding costs.  Interest expense for the twelve months ended December 31, 2020 declined $239.9 million or 28% to $607.9 million.</p><p>For the twelve months ended December 31, 2020, prepayment income totaled $54.4 million, unchanged compared to the prepayment income for the twelve months ended December 31, 2019.</p><div><div><table style="BORDER-TOP-COLOR: ; BORDER-COLLAPSE: collapse; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; BORDER-RIGHT-COLOR: " cellspacing="0" cellpadding="0" border="0"><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td colspan="3" style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>December 31, 2020</b></font></font></p></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td colspan="5" style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>For the Three Months Ended</b></font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td colspan="3" style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>compared to</b></font></font></p></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>December 31,</b></font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>September 30,</b></font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>December 31,</b></font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>September 30,</b></font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>December 31,</b></font></font></p></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>2020</b></font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>2020</b></font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>2019</b></font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>2020</b></font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>2019</b></font></font></p></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td></tr><tr><td colspan="2" style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">(in thousands)</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td></tr><tr><td colspan="2" style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Total interest income</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">$ &#160; &#160; &#160; &#160; &#160; &#160; &#160;425,827</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">$ &#160; &#160; &#160; &#160;418,049</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">$ &#160; &#160; &#160; &#160;450,683</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">2%</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">-6%</font></font></p></td></tr><tr><td colspan="3" style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Total interest expense</font></font></p></td><td style="BORDER-TOP-COLOR: ;
VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">117,910</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">136,163</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">208,213</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">-13%</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">-43%</font></font></p></td></tr><tr><td colspan="2" style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>Net interest income</b></font></font></p></td><td
style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>$ &#160; &#160; &#160; &#160; &#160; &#160; &#160;307,917</b></font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>$ &#160; &#160; &#160; &#160;281,886</b></font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>$ &#160; &#160; &#160; &#160;242,470</b></font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>9%</b></font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>27%</b></font></font></p></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>Less:</b></font></font></p></td><td style="BORDER-TOP-COLOR: ;
VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td></tr><tr><td colspan="3" style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Total prepayment income</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">20,867</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">11,634</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">17,853</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">79%</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">17%</font></font></p></td></tr><tr><td colspan="4" style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>Non-GAAP Net interest income</b></font></font></p></td><td
nowrap="nowrap" style="BORDER-TOP: black; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 2pt double; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>$ &#160; &#160; &#160; &#160; &#160; &#160; &#160;287,050</b></font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP: black; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 2pt double; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>$ &#160; &#160; &#160; &#160;270,252</b></font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP: black; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 2pt double; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>$ &#160; &#160; &#160; &#160;224,617</b></font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>6%</b></font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>28%</b></font></font></p></td></tr></table></div></div><p> </p><div><div><table style="BORDER-TOP-COLOR: ; BORDER-COLLAPSE: collapse; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; BORDER-RIGHT-COLOR: " cellspacing="0" cellpadding="0" border="0"><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td colspan="3" style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>For the Twelve Months Ended</b></font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>December 31,</b></font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>December 31,</b></font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>2020</b></font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>2019</b></font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>% Change</b></font></font></p></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td></tr><tr><td colspan="2" style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">(in thousands)</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td></tr><tr><td colspan="2" style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Total interest income</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">$ &#160; &#160; &#160; &#160; &#160; 1,707,993</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">$ &#160; &#160; 1,805,160</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">-5%</font></font></p></td></tr><tr><td colspan="3" style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Total interest expense</font></font></p></td><td style="BORDER-TOP-COLOR: ;
VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">607,851</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">847,760</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">-28%</font></font></p></td></tr><tr><td colspan="2" style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>Net interest income</b></font></font></p></td><td
style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>$ &#160; &#160; &#160; &#160; &#160; 1,100,142</b></font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>$ &#160; &#160; &#160; &#160;957,400</b></font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">15%</font></font></p></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>Less:</b></font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN:
bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td></tr><tr><td colspan="3" style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Total prepayment income</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">54,450</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">54,188</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">0%</font></font></p></td></tr><tr><td colspan="4" style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>Non-GAAP Net interest income</b></font></font></p></td><td
nowrap="nowrap" style="BORDER-TOP: black; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 2pt double; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>$ &#160; &#160; &#160; &#160; &#160; 1,045,692</b></font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP: black; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 2pt double; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>$ &#160; &#160; &#160; &#160;903,212</b></font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">16%</font></font></p></td></tr></table></div></div><p> <b><u>Net Interest Margin</u></b></p><p>Our net interest margin (&#34;NIM&#34;) increased by double-digits again during the current fourth quarter.  For the three months ended December 31, 2020, the NIM increased 18 bp to 2.47% compared to the NIM for the three months ended September 30, 2020, and it increased 43 bp compared to the three months ended December 31, 2019.  The quarter-over-quarter and year-over-year
improvements were driven by significantly lower funding costs.  The Company&#39;s overall cost of funds decreased 18 bp to 1.06% compared to the previous quarter and 88 bp compared to the year-ago quarter.</p><p>During the current fourth quarter, our average cost of deposits declined to 0.61%, down 24 bp compared to the third quarter of 2020 and down 115 bp compared to the fourth quarter of 2019.  The average cost of CDs, which was the primary driver of the lower deposit costs, was 1.04%, down 48 bp compared to the previous quarter and down 133 bp compared to the year-ago fourth quarter.  Likewise, the average cost of borrowings declined five bp to 1.92% compared to the previous quarter and 41 bp compared to the year-ago quarter.</p><p>Prepayment income contributed 17 bp to this quarter&#39;s NIM, up eight bp compared to the contribution in the previous quarter and three bp compared to
the year-ago quarter.  Excluding the impact from prepayment income, the fourth quarter NIM, on a non-GAAP basis, would have been 2.30%, up ten bp compared to the prior quarter and up 40 bp compared to the year-ago quarter.</p><p>For the twelve months ended December 31, 2020, the NIM was 2.24%, up 22 bp compared to the twelve months ended December 31, 2019.  The improvement in the full-year NIM was also due to lower funding costs.  Prepayment income contributed 11 bp to the 2020 NIM and 12 bp compared to the 2019 NIM.  Excluding the impact from prepayment income, the NIM for full-year 2020, on a non-GAAP basis, would have been 2.13%, up 23 bp compared to a NIM, on a non-GAAP basis of 1.90% in full-year 2019.</p><p><b><u>Provision for Credit Losses</u></b></p><p>During the current fourth quarter, the provision for credit losses was $11.0 million compared to $13.0 million in the third
quarter of the year and $1.7 million in the fourth quarter of 2019.  The fourth quarter provision for credit losses exceeded net charge-offs by $5.3 million.  For the three months ended December 31, 2020, net charge-offs were $5.7 million or 0.01% of average loans compared to a net recovery of $901,000 in the prior quarter and net charge-offs of $3.5 million in the year-ago quarter or 0.01% of average loans.</p><p>For the twelve months December 31, 2020, the provision for credit losses totaled $62.2 million compared to $7.1 million for the twelve months ended December 31, 2019.  Net charge-offs for full-year 2020 were $18.8 million or 0.04% of average loans compared to $19.3 million or 0.05% of average loans during full-year 2019.</p><p>The majority of charge-offs during both years were related to taxi medallion-related loans.</p><p><b><u>Pre-Provision Net Revenue (&#34;PPNR&#34;)
<sup>(1)</sup></u></b></p><p>The tables below details the Company&#39;s PPNR for the periods noted.</p><p>For the three months ended December 31, 2020, PPNR totaled $189.4 million, up $22.2 million or 13% compared to the three months ended September 30, 2020 and up $55.5 million or 42% compared to the three months ended December 31, 2019.</p><div><div><table style="BORDER-TOP-COLOR: ; BORDER-COLLAPSE: collapse; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; BORDER-RIGHT-COLOR: " cellspacing="0" cellpadding="0" border="0"><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td colspan="3" style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>December 31, 2020</b></font></font></p></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td colspan="5" style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>For the Three Months Ended</b></font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td colspan="3" style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>compared to</b></font></font></p></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>December 31,</b></font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>September 30,</b></font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>December 31,</b></font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>September 30,</b></font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>December 31,</b></font></font></p></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>2020</b></font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>2020</b></font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>2019</b></font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>2020</b></font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>2019</b></font></font></p></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td></tr><tr><td colspan="2" style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">(in thousands)</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td></tr><tr><td colspan="2" style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Net interest income</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">$ &#160; &#160; &#160; &#160; &#160; &#160; &#160;307,917</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">$ &#160; &#160; &#160; &#160;281,886</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">$ &#160; &#160; &#160; &#160;242,470</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">9%</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">27%</font></font></p></td></tr><tr><td colspan="2" style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Non-interest income</font></font></p></td><td style="BORDER-TOP-COLOR: ;
VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">15,033</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">13,768</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">17,462</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">9%</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">-14%</font></font></p></td></tr><tr><td colspan="2" style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>Total revenues</b></font></font></p></td><td style="BORDER-TOP-COLOR: ;
VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>$ &#160; &#160; &#160; &#160; &#160; &#160; &#160;322,950</b></font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>$ &#160; &#160; &#160; &#160;295,654</b></font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>$ &#160; &#160; &#160; &#160;259,932</b></font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>9%</b></font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>24%</b></font></font></p></td></tr><tr><td colspan="3" style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Total non-interest expense</font></font></p></td><td
style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">133,568</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">128,508</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">126,097</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">4%</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">6%</font></font></p></td></tr><tr><td colspan="4" style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>Pre-provision net revenue (PPNR)</b></font></font></p></td><td
style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">189,382</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">167,146</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">133,835</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">13%</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">42%</font></font></p></td></tr><tr><td colspan="3" style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Provision for credit losses</font></font></p></td><td
style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">11,036</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">13,016</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">1,702</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">-15%</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">548%</font></font></p></td></tr><tr><td colspan="2" style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Income before taxes</font></font></p></td><td style="BORDER-TOP-COLOR: ;
VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">$ &#160; &#160; &#160; &#160; &#160; &#160; &#160;178,346</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">$ &#160; &#160; &#160; &#160;154,130</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">$ &#160; &#160; &#160; &#160;132,133</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">16%</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">35%</font></font></p></td></tr><tr><td colspan="3" style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Income tax (benefit) expense</font></font></p></td><td
style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 10pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">(11,318)</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">38,360</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">30,959</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">NM</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">NM</font></font></p></td></tr><tr><td colspan="2" style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>Net Income</b></font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom;
BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>$ &#160; &#160; &#160; &#160; &#160; &#160; &#160;189,664</b></font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>$ &#160; &#160; &#160; &#160;115,770</b></font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>$ &#160; &#160; &#160; &#160;101,174</b></font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>64%</b></font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>87%</b></font></font></p></td></tr><tr><td colspan="3" style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Preferred stock dividends</font></font></p></td><td
style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">8,207</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">8,207</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">8,207</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">0%</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">0%</font></font></p></td></tr><tr><td colspan="5" style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>Net income available to common shareholders</b></font></font></p></td><td
style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP: black; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 2pt double; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>$ &#160; &#160; &#160; &#160; &#160; &#160; &#160;181,457</b></font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP: black; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 2pt double; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>$ &#160; &#160; &#160; &#160;107,563</b></font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP: black; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 2pt double; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>$ &#160; &#160; &#160; &#160; 92,967</b></font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>69%</b></font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>95%</b></font></font></p></td></tr></table></div></div><p> For the twelve months ended December 31, 2020, PPNR totaled $650.0 million, up $119.6 million or 23% compared to the twelve months ended December 31, 2019.</p><div><div><table style="BORDER-TOP-COLOR: ; BORDER-COLLAPSE: collapse; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; BORDER-RIGHT-COLOR: " cellspacing="0" cellpadding="0" border="0"><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom;
BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td colspan="3" style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>For the Twelve Months Ended</b></font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>December 31,</b></font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>December 31,</b></font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>2020</b></font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>2019</b></font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>% Change</b></font></font></p></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td></tr><tr><td colspan="2" style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">(in thousands)</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td></tr><tr><td colspan="2" style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Net interest income</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">$ &#160; &#160; &#160; &#160; &#160; 1,100,142</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">$ &#160; &#160; &#160; &#160;957,400</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">15%</font></font></p></td></tr><tr><td colspan="2" style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Non-interest income</font></font></p></td><td style="BORDER-TOP-COLOR: ;
VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">61,080</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">84,230</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">-27%</font></font></p></td></tr><tr><td colspan="2" style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>Total revenues</b></font></font></p></td><td style="BORDER-TOP-COLOR: ;
VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>$ &#160; &#160; &#160; &#160; &#160; 1,161,222</b></font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>$ &#160; &#160; 1,041,630</b></font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">11%</font></font></p></td></tr><tr><td colspan="3" style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Total non-interest expense</font></font></p></td><td
style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">511,190</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">511,218</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">0%</font></font></p></td></tr><tr><td colspan="4" style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>Pre-provision net revenue (PPNR)</b></font></font></p></td><td
style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">650,032</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">530,412</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">23%</font></font></p></td></tr><tr><td colspan="3" style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Provision for credit losses</font></font></p></td><td
style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">62,228</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">7,105</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">776%</font></font></p></td></tr><tr><td colspan="2" style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Income before taxes</font></font></p></td><td style="BORDER-TOP-COLOR: ;
VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">$ &#160; &#160; &#160; &#160; &#160; &#160; &#160;587,804</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">$ &#160; &#160; &#160; &#160;523,307</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">12%</font></font></p></td></tr><tr><td colspan="3" style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Income tax (benefit) expense</font></font></p></td><td
style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">76,695</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">128,264</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">-40%</font></font></p></td></tr><tr><td colspan="2" style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>Net Income</b></font></font></p></td><td style="BORDER-TOP-COLOR: ;
VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>$ &#160; &#160; &#160; &#160; &#160; &#160; &#160;511,109</b></font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>$ &#160; &#160; &#160; &#160;395,043</b></font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">29%</font></font></p></td></tr><tr><td colspan="3" style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Preferred stock dividends</font></font></p></td><td
style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">32,828</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">32,828</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">0%</font></font></p></td></tr><tr><td colspan="5" style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>Net income available to common shareholders</b></font></font></p></td><td
style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP: black; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 2pt double; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>$ &#160; &#160; &#160; &#160; &#160; &#160; &#160;478,281</b></font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP: black; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 2pt double; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>$ &#160; &#160; &#160; &#160;362,215</b></font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">32%</font></font></p></td></tr></table></div></div><p><b><u>Non-Interest Income</u></b></p><p>For the three months ended December 31, 2020, total non-interest income was $15.0 million compared to $13.8 million in the third quarter of 2020 and $17.5 million in the year-ago fourth quarter, up 9% and down 14%, respectively.  Compared to the previous quarter, fourth quarter 2020 reflects an improvement in fee income, driven by a continued rebound in retail banking fees and a
higher level of other income.</p><p>For the twelve months ended December 31, 2020, total non-interest income declined 27% to $61.1 million compared to $84.2 million for the twelve months ended December 31, 2019.  The decline is primarily due to lower retail banking fee income, as the Company waived certain fees for its customers as a result of the COVID-19 pandemic.  Additionally, the full-year 2019 amount includes net gains on securities of $7.7 million compared to $1.3 million during full-year 2020.  Also, during 2019, the Company recorded a $7.9 million gain on sale of a branch property in Florida, compared to no such gain in 2020.  This was partially offset by an increase in BOLI income.</p><p><b><u>Non-Interest Expense</u></b></p><p>For the three months ended December 31, 2020, non-interest expenses totaled $133.6 million, up $5.1 million or 4% compared to the prior quarter and up
$7.5 million or 6% compared to the year-ago quarter.  The majority of the increase was in the general and administrative category and was due to the following factors: an increase in our FDIC deposit insurance assessment driven by a downgrade in our internal loan ratings and the write down of the value of taxi medallions that we hold as repossessed assets.</p><p>For the twelve months ended December 31, 2020, total non-interest expenses were $511.2 million, unchanged compared to the amount reported for the twelve months ended December 31, 2019.  Included in the full-year 2020 amount is a $4.4 million lease termination benefit, while the full-year 2019 amount included certain items related to severance and branch rationalization totaling $10.4 million.</p><p>The efficiency ratio for the current fourth quarter was 41.36%, down compared to 43.47% in the previous quarter and to the 48.51% in
the prior year&#39;s fourth quarter.  For the twelve months ended December 31, 2020, the efficiency ratio was 44.02% compared to 49.08% for the twelve months ended December 31, 2019.</p><p><b><u>Income Taxes</u></b></p><p>During the current fourth quarter, the Company recorded an income tax benefit of $11.3 million compared to income tax expense of $38.4 million during the third quarter of the year and $31.0 million during the fourth quarter of 2019.  The current fourth quarter amount includes a tax benefit of $55.3 million.  This benefit reflects all remaining income tax impacts arising from the CARES Act.  We do not anticipate any remaining tax impacts due to the CARES Act after the current quarter.  The effective tax rate for the quarter was (6.35)%.  Excluding the impact of the CARES Act benefit, the effective tax rate on a non-GAAP basis was 24.67% compared to 24.89% in the
previous quarter and compared to 23.43% in the year-ago quarter.</p><p>For the twelve months ended December 31, 2020, income tax expense totaled $76.7 million compared to $128.3 million for the twelve months ended December 31, 2019.  In addition to the tax benefit recorded during the current quarter, the year-to-date income tax expense includes a $13.1 million tax benefit recorded in the first quarter of 2020, related to the Company&#39;s tax loss carryback as provided by certain tax provisions for corporations under the CARES Act.  Excluding the impact of these tax benefits, the effective tax rate in 2020 on a non-GAAP basis was 24.69% compared to 24.51% in 2019.</p><p><b><u>About New York Community Bancorp, Inc.</u></b></p><p>Based in Westbury, NY, New York Community Bancorp, Inc. is a leading producer of multi-family loans on non-luxury, rent-regulated apartment buildings in New York
City, and the parent of New York Community Bank. At December 31, 2020, the Company reported assets of $56.3 billion, loans of $42.9 billion, deposits of $32.4 billion, and stockholders&#39; equity of $6.8 billion. </p><p>Reflecting our growth through a series of acquisitions, the Company operates 236 branches through eight local divisions, each with a history of service and strength: Queens County Savings Bank, Roslyn Savings Bank, Richmond County Savings Bank, Roosevelt Savings Bank, and Atlantic Bank in New York; Garden State Community Bank in New Jersey; Ohio Savings Bank in Ohio; and AmTrust Bank in Florida and Arizona.</p><p><b><u>Post-Earnings Release Conference Call
<br /></u></b>The Company will host a conference call on Wednesday, January 27, 2021, at 8:30 a.m. (Eastern Time) to discuss its fourth quarter 2020 performance. The conference call may be accessed by dialing (877) 407-8293 (for domestic calls) or (201) 689-8349 (for international calls) and asking for &#34;New York Community Bancorp&#34; or &#34;NYCB.&#34; A replay will be available approximately three hours following completion of the call through 11:59 p.m. on January 31, 2021 and may be accessed by calling (877) 660-6853 (domestic) or (201) 612-7415 (international) and providing the following conference ID: 13714381. In addition, the conference call will be webcast at ir.myNYCB.com, and archived through 5:00 p.m. on February 24, 2021.</p><p><b><u>Cautionary Statements Regarding Forward-Looking Information
<br /></u></b>This earnings release and the associated conference call may include forward&#8211;looking statements by the Company and our authorized officers pertaining to such matters as our goals, intentions, and expectations regarding revenues, earnings, loan production, asset quality, capital levels, and acquisitions, among other matters; our estimates of future costs and benefits of the actions we may take; our assessments of probable losses on loans; our assessments of interest rate and other market risks; and our ability to achieve our financial and other strategic goals.</p><p>Forward&#8211;looking statements are typically identified by such words as &#34;believe,&#34; &#34;expect,&#34; &#34;anticipate,&#34; &#34;intend,&#34; &#34;outlook,&#34; &#34;estimate,&#34; &#34;forecast,&#34; &#34;project,&#34; &#34;should,&#34; and other similar words and expressions, and are subject to
numerous assumptions, risks, and uncertainties, which change over time. Additionally, forward&#8211;looking statements speak only as of the date they are made; the Company does not assume any duty, and does not undertake, to update our forward&#8211;looking statements. Furthermore, because forward&#8211;looking statements are subject to assumptions and uncertainties, actual results or future events could differ, possibly materially, from those anticipated in our statements, and our future performance could differ materially from our historical results.</p><p>Our forward&#8211;looking statements are subject to the following principal risks and uncertainties: the effect of the COVID-19 pandemic, including the length of time that the pandemic continues, the potential imposition of future shelter in place orders or additional restrictions on travel in the future, the effect of the pandemic
on the general economy and on the businesses of our borrowers and their ability to make payments on their obligation, the remedial actions and stimulus measures adopted by federal, state, and local governments; the inability of employees to work due to illness, quarantine, or government mandates; general economic conditions and trends, either nationally or locally; conditions in the securities markets; changes in interest rates; changes in deposit flows, and in the demand for deposit, loan, and investment products and other financial services; changes in real estate values; changes in the quality or composition of our loan or investment portfolios; changes in competitive pressures among financial institutions or from non&#8211;financial institutions; our ability to obtain the necessary shareholder and regulatory approvals of any acquisitions we may propose; our ability to successfully
integrate any assets, liabilities, customers, systems, and management personnel we may acquire into our operations, and our ability to realize related revenue synergies and cost savings within expected time frames; changes in legislation, regulations, and policies; the impact of recently adopted accounting pronouncements; and a variety of other matters which, by their nature, are subject to significant uncertainties and/or are beyond our control.</p><p>More information regarding some of these factors is provided in the Risk Factors section of our Form 10&#8211;K for the year ended December 31, 2019 and in other SEC reports we file. Our forward&#8211;looking statements may also be subject to other risks and uncertainties, including those we may discuss in this news release, on our conference call, during investor presentations, or in our SEC filings, which are accessible on our website
and at the SEC&#39;s website, www.sec.gov. </p><div><div><table id="convertedTable79ac" style="BORDER-TOP: 0px; BORDER-RIGHT: 0px; BORDER-COLLAPSE: collapse; BORDER-BOTTOM: 0px; BORDER-LEFT: 0px" cellspacing="0" cellpadding="0" border="0"><tr><td style="BORDER-TOP: black 0pt; BORDER-RIGHT: black 0pt; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 0pt; PADDING-LEFT: 6pt; BORDER-LEFT: black 0pt; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Investor/Media Contact:&#160; </font></font></p></td><td style="BORDER-TOP: black 0pt; BORDER-RIGHT: black 0pt; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 0pt; PADDING-LEFT: 6pt; BORDER-LEFT: black 0pt; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black;
MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Salvatore J. DiMartino</font></font></p></td></tr><tr><td style="BORDER-TOP: black 0pt; BORDER-RIGHT: black 0pt; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 0pt; PADDING-LEFT: 6pt; BORDER-LEFT: black 0pt; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP: black 0pt; BORDER-RIGHT: black 0pt; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 0pt; PADDING-LEFT: 6pt; BORDER-LEFT: black 0pt; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">(516) 683-4286</font></font></p></td></tr></table></div></div><p style="TEXT-ALIGN: center">- Financial Statements and Highlights Follow</p><p> </p><div><div><table style="BORDER-TOP-COLOR: ; BORDER-COLLAPSE: collapse; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; BORDER-RIGHT-COLOR: " cellspacing="0" cellpadding="0" border="0"><tr><td colspan="4" style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT:
6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>NEW YORK COMMUNITY BANCORP, INC.</b></font></font></p></td></tr><tr><td colspan="4" style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>CONSOLIDATED STATEMENTS OF CONDITION</b></font></font></p></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ;
PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>December 31,</b></font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>December 31,</b></font></font></p></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>2020</b></font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>2019</b></font></font></p></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">(unaudited)</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">(in thousands, except share data)</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>Assets</b></font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Cash and cash equivalents</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">$ &#160; 1,947,931</font></font></p></td><td
style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">$ &#160; &#160; &#160;741,870</font></font></p></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Securities:</font></font></p></td><td nowrap
style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: left; PADDING-LEFT: 12px; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Available-for-sale</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">5,813,333</font></font></p></td><td
style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">5,853,057</font></font></p></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">&#160;&#160;&#160; Equity investments with readily</font></font></p></td><td
nowrap="nowrap" style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">&#160;&#160;&#160;&#160;&#160;&#160;&#160; determinable fair values, at fair value</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR:
black">31,576</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">32,830</font></font></p></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Total securities</font></font></p></td><td nowrap
style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">5,844,909</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">5,885,887</font></font></p></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Loans held for sale</font></font></p></td><td nowrap
style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">117,136</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">-</font></font></p></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Mortgage loans held for investment:</font></font></p></td><td nowrap
style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: left; PADDING-LEFT: 12px; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Multi-family</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">32,261,123</font></font></p></td><td
style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">31,182,079</font></font></p></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: left; PADDING-LEFT: 12px; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Commercial real estate&#160;</font></font></p></td><td
nowrap="nowrap" style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">6,839,075</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">7,084,499</font></font></p></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: left; PADDING-LEFT: 12px; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">One-to-four family</font></font></p></td><td nowrap
style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">236,267</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">380,684</font></font></p></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: left; PADDING-LEFT: 12px; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Acquisition, development, and
construction</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">89,721</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">200,464</font></font></p></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Total mortgage loans held for investment</font></font></p></td><td
nowrap="nowrap" style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">39,426,186</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">38,847,726</font></font></p></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Other loans and leases held for investment:&#160;</font></font></p></td><td
nowrap="nowrap" style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: left; PADDING-LEFT: 12px; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Specialty Finance</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">3,056,463</font></font></p></td><td
style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">2,617,304</font></font></p></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: left; PADDING-LEFT: 12px; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Commercial and industrial&#160;</font></font></p></td><td
nowrap="nowrap" style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">394,404</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">420,993</font></font></p></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: left; PADDING-LEFT: 12px; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Other loans</font></font></p></td><td nowrap
style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">6,545</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">8,132</font></font></p></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Total other loans and leases&#160; held for
investment</font></font></p></td><td nowrap style="BORDER-TOP: black; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">3,457,412</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP: black; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">3,046,429</font></font></p></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Total loans and leases held for investment</font></font></p></td><td
nowrap="nowrap" style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">42,883,598</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">41,894,155</font></font></p></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Less:&#160; Allowance for loan and lease losses</font></font></p></td><td
nowrap="nowrap" style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">(194,043)</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">(147,638)</font></font></p></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Total loans and leases, net</font></font></p></td><td nowrap
style="BORDER-TOP: black; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">42,806,691</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP: black; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">41,746,517</font></font></p></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Federal Home Loan Bank stock, at cost</font></font></p></td><td
nowrap="nowrap" style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">714,005</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">647,562</font></font></p></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Premises and equipment, net</font></font></p></td><td nowrap
style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">287,447</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">312,626</font></font></p></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Operating lease right-of-use assets</font></font></p></td><td nowrap
style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">266,864</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">286,194</font></font></p></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Goodwill</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ;
VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">2,426,379</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">2,426,379</font></font></p></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Other assets&#160;</font></font></p></td><td nowrap
style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">2,011,894</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">1,593,786</font></font></p></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>Total assets</b></font></font></p></td><td nowrap style="BORDER-TOP:
black 1pt solid; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 2pt double; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">$ 56,306,120</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP: black 1pt solid; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 2pt double; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">$ 53,640,821</font></font></p></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>Liabilities and Shareholders&#39;
Equity</b></font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Deposits:</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: left; PADDING-LEFT: 12px; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Interest-bearing checking and money market accounts</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">$
12,610,073</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">$ 10,230,144</font></font></p></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: left; PADDING-LEFT: 12px; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Savings accounts</font></font></p></td><td nowrap
style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">6,415,608</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">4,780,007</font></font></p></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: left; PADDING-LEFT: 12px; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Certificates of deposit</font></font></p></td><td
nowrap="nowrap" style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">10,330,680</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">14,214,858</font></font></p></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: left; PADDING-LEFT: 12px; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Non-interest-bearing accounts</font></font></p></td><td
nowrap="nowrap" style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">3,080,452</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">2,432,123</font></font></p></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Total deposits</font></font></p></td><td nowrap
style="BORDER-TOP: black; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">32,436,813</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP: black; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">31,657,132</font></font></p></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Borrowed funds:</font></font></p></td><td nowrap
style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: left; PADDING-LEFT: 12px; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Wholesale borrowings</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">15,427,661</font></font></p></td><td
style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">13,902,661</font></font></p></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: left; PADDING-LEFT: 12px; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Junior subordinated debentures</font></font></p></td><td
nowrap="nowrap" style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">360,259</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">359,866</font></font></p></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: left; PADDING-LEFT: 12px; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Subordinated notes</font></font></p></td><td nowrap
style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">295,624</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">295,066</font></font></p></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Total borrowed funds</font></font></p></td><td nowrap
style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">16,083,544</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">14,557,593</font></font></p></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Operating lease liabilities</font></font></p></td><td nowrap
style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">266,846</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">285,991</font></font></p></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Other liabilities</font></font></p></td><td nowrap
style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">677,273</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">428,411</font></font></p></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Total liabilities</font></font></p></td><td nowrap
style="BORDER-TOP: black; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">49,464,476</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP: black; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">46,929,127</font></font></p></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Shareholders&#39; equity:</font></font></p></td><td nowrap
style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: left; PADDING-LEFT: 12px; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Preferred stock at par $0.01 (5,000,000 shares authorized):&#160;</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: left; PADDING-LEFT: 24px; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Series A (515,000 shares issued and outstanding)</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR:
black">502,840</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">502,840</font></font></p></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: left; PADDING-LEFT: 12px; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Common stock at par $0.01 (900,000,000 shares authorized;
490,439,070 and 490,439,070</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: left; PADDING-LEFT: 24px; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">shares issued; and 463,901,808 and 467,346,781 shares outstanding, respectively)</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial;
COLOR: black">4,904</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">4,904</font></font></p></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: left; PADDING-LEFT: 12px; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Paid-in capital in excess of par</font></font></p></td><td
nowrap="nowrap" style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">6,122,690</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">6,115,487</font></font></p></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: left; PADDING-LEFT: 12px; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Retained earnings&#160;</font></font></p></td><td
nowrap="nowrap" style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">494,229</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">342,023</font></font></p></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: left; PADDING-LEFT: 12px; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Treasury stock, at cost (26,537,262 and 23,092,289 shares,
respectively)</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">(257,541)</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">(220,717)</font></font></p></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: left; PADDING-LEFT: 12px; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Accumulated other comprehensive loss, net of
tax:</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: left; PADDING-LEFT: 24px; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Net unrealized gain on securities available for sale, net of tax</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR:
black">66,880</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">25,440</font></font></p></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: left; PADDING-LEFT: 24px; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Pension and post-retirement obligations, net of
tax</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">(59,345)</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">(59,136)</font></font></p></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: left; PADDING-LEFT: 24px; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Net unrealized (loss) gain on cash flow hedges, net of
tax</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">(33,013)</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">853</font></font></p></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: left; PADDING-LEFT: 12px; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Total accumulated other comprehensive loss, net of
tax</font></font></p></td><td nowrap style="BORDER-TOP: black; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">(25,478)</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP: black; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">(32,843)</font></font></p></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Total shareholders&#39; equity</font></font></p></td><td nowrap
style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">6,841,644</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">6,711,694</font></font></p></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>Total liabilities and shareholders&#39; equity</b></font></font></p></td><td
nowrap="nowrap" style="BORDER-TOP: black 1pt solid; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 2pt double; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">$ 56,306,120</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP: black 1pt solid; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 2pt double; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">$ 53,640,821</font></font></p></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td></tr></table></div></div><p> </p><div><div><table style="BORDER-TOP-COLOR: ; BORDER-COLLAPSE: collapse; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; BORDER-RIGHT-COLOR: " cellspacing="0" cellpadding="0" border="0"><tr><td colspan="10" style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>NEW YORK COMMUNITY BANCORP, INC.</b></font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td></tr><tr><td colspan="10" style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>CONSOLIDATED STATEMENTS OF INCOME</b></font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td></tr><tr><td colspan="10" style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">(unaudited)</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td colspan="5" style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>For the Three Months Ended</b></font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td colspan="3" style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>For the Twelve Months Ended</b></font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>December 31,</b></font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>September 30,</b></font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>December 31,</b></font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>December 31,</b></font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>December 31,</b></font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>2020</b></font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>2020</b></font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>2019</b></font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>2020</b></font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>2019</b></font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">(in thousands, except per share data)</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>Interest Income:</b></font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: left; PADDING-LEFT: 12px; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Loans and leases</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">$ &#160; &#160;388,082</font></font></p></td><td
style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">$ &#160; &#160;380,337</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">$ &#160; &#160;393,660</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">$ 1,542,215</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">$ 1,553,004</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: left; PADDING-LEFT: 12px; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Securities and money market investments</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR:
black">37,745</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">37,712</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">57,023</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">165,778</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">252,156</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Total interest income</font></font></p></td><td nowrap style="BORDER-TOP: black; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">425,827</font></font></p></td><td style="BORDER-TOP-COLOR: ;
VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">418,049</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP: black; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">450,683</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP: black; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">1,707,993</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP: black; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">1,805,160</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>Interest Expense:</b></font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: left; PADDING-LEFT: 12px; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Interest-bearing checking and money market accounts</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR:
black">8,988</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">9,328</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">33,951</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">56,939</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">174,347</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: left; PADDING-LEFT: 12px; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Savings accounts&#160;</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">6,915</font></font></p></td><td
style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">7,593</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">9,435</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">31,650</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">35,705</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: left; PADDING-LEFT: 12px; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Certificates of deposit</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">28,143</font></font></p></td><td
style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">44,481</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">84,874</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">217,413</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">320,234</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: left; PADDING-LEFT: 12px; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Borrowed funds</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">73,864</font></font></p></td><td
style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">74,761</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">79,953</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">301,849</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">317,474</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Total interest expense</font></font></p></td><td nowrap style="BORDER-TOP: black; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">117,910</font></font></p></td><td style="BORDER-TOP-COLOR: ;
VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP: black; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">136,163</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP: black; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">208,213</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP: black; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">607,851</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP: black; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">847,760</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: left; PADDING-LEFT: 12px; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Net interest income</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">307,917</font></font></p></td><td
style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">281,886</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">242,470</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">1,100,142</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">957,400</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Provision for credit losses</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">11,036</font></font></p></td><td style="BORDER-TOP-COLOR: ;
VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">13,016</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">1,702</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">62,228</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">7,105</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: left; PADDING-LEFT: 12px; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Net interest income after provision for credit losses</font></font></p></td><td nowrap style="BORDER-TOP: black 1pt solid; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR:
black">296,881</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP: black; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">268,870</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP: black 1pt solid; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">240,768</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP: black 1pt solid; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">1,037,914</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP: black 1pt solid; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">950,295</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>Non-Interest Income:</b></font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: left; PADDING-LEFT: 12px; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Fee income</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">6,045</font></font></p></td><td style="BORDER-TOP-COLOR: ;
VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">5,240</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">7,002</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">22,026</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">29,297</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: left; PADDING-LEFT: 12px; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Bank-owned life insurance</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">7,292</font></font></p></td><td
style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">7,566</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">8,118</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">31,750</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">28,363</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: left; PADDING-LEFT: 12px; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Net gains (losses) on securities&#160;</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">128</font></font></p></td><td
style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">(284)</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">(30)</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">1,265</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">7,725</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: left; PADDING-LEFT: 12px; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Other income&#160;</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">1,568</font></font></p></td><td
style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">1,246</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">2,372</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">6,039</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">18,845</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Total non-interest income&#160;&#160;</font></font></p></td><td nowrap style="BORDER-TOP: black; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">15,033</font></font></p></td><td
style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP: black; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">13,768</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP: black; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">17,462</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP: black; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">61,080</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP: black; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">84,230</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>Non-Interest Expense:</b></font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: left; PADDING-LEFT: 12px; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Operating expenses:</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: left; PADDING-LEFT: 12px; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Compensation and benefits</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">72,576</font></font></p></td><td
style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">73,182</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">72,525</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">300,914</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">301,697</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: left; PADDING-LEFT: 12px; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Occupancy and equipment</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">22,876</font></font></p></td><td
style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">23,960</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">22,575</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">85,887</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">89,174</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: left; PADDING-LEFT: 12px; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">General and administrative</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">38,116</font></font></p></td><td
style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">31,366</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">30,997</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">124,389</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">120,347</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Total non-interest expense</font></font></p></td><td nowrap style="BORDER-TOP: black 1pt solid; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">133,568</font></font></p></td><td
style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP: black; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">128,508</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP: black; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">126,097</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP: black; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">511,190</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP: black; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">511,218</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Income before income taxes</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">178,346</font></font></p></td><td style="BORDER-TOP-COLOR: ;
VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">154,130</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">132,133</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">587,804</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">523,307</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Income tax (benefit) expense&#160;</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">(11,318)</font></font></p></td><td
style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">38,360</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">30,959</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">76,695</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">128,264</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: left; PADDING-LEFT: 12px; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>Net Income&#160;</b></font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">189,664</font></font></p></td><td
style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">115,770</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">101,174</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">511,109</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">395,043</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Preferred stock dividends</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">8,207</font></font></p></td><td style="BORDER-TOP-COLOR:
; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">8,207</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">8,207</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">32,828</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">32,828</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: left; PADDING-LEFT: 12px; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>Net income available to common shareholders</b></font></font></p></td><td nowrap style="BORDER-TOP: black; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 2pt double; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">$ &#160;
&#160;181,457</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP: black; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 2pt double; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">$ &#160; &#160;107,563</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP: black; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 2pt double; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">$ &#160; &#160; &#160;92,967</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP: black; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 2pt double; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">$ &#160; &#160;478,281</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP: black; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 2pt double; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">$ &#160; &#160;362,215</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: left; PADDING-LEFT: 12px; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>Basic earnings per common share<b><sup>&#160;</sup></b></b></font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 2pt double; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR:
black">$ &#160; &#160; &#160; &#160; &#160;0.39</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 2pt double; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">$ &#160; &#160; &#160; &#160; &#160;0.23</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 2pt double; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">$ &#160; &#160; &#160; &#160; &#160;0.20</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 2pt double; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">$ &#160; &#160; &#160; &#160; &#160;1.02</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 2pt double; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">$ &#160; &#160; &#160; &#160; &#160;0.77</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: left; PADDING-LEFT: 12px; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>Diluted earnings per <b>common share</b></b></font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 2pt double; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">$ &#160;
&#160; &#160; &#160; &#160;0.39</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 2pt double; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">$ &#160; &#160; &#160; &#160; &#160;0.23</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 2pt double; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">$ &#160; &#160; &#160; &#160; &#160;0.20</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 2pt double; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">$ &#160; &#160; &#160; &#160; &#160;1.02</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP: black; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 2pt double; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">$ &#160; &#160; &#160; &#160; &#160;0.77</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 12px; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td></tr></table></div></div><p></p><p style="TEXT-ALIGN: center"><b>NEW YORK COMMUNITY BANCORP, INC.
<br />RECONCILIATIONS OF CERTAIN GAAP AND NON-GAAP FINANCIAL MEASURES
<br /></b>(unaudited)</p><p>While stockholders&#39; equity, total assets, and book value per share are financial measures that are recorded in accordance with U.S. generally accepted accounting principles (&#34;GAAP&#34;), tangible stockholders&#39; equity, tangible assets, and tangible book value per share are not.  Nevertheless, it is management&#39;s belief that these non-GAAP measures should be disclosed in our earnings releases and other investor communications for the following reasons:</p><ol type="1"><li>Tangible stockholders&#39; equity is an important indication of the Company&#39;s ability to grow organically and through business combinations, as well as its ability to pay dividends and to engage in various capital management strategies. </li><li>Returns on average tangible assets and average tangible stockholders&#39; equity are among the profitability measures considered by
current and prospective investors, both independent of, and in comparison with, the Company&#39;s peers. </li><li>Tangible book value per share and the ratio of tangible stockholders&#39; equity to tangible assets are among the capital measures considered by current and prospective investors, both independent of, and in comparison with, its peers.&#160; </li></ol><p>Tangible stockholders&#39; equity, tangible assets, and the related non-GAAP profitability and capital measures should not be considered in isolation or as a substitute for stockholders&#39; equity, total assets, or any other profitability or capital measure calculated in accordance with GAAP.  Moreover, the manner in which we calculate these non-GAAP measures may differ from that of other companies reporting non-GAAP measures with similar names.  </p><p>The following table presents reconciliations of our common
stockholders&#39; equity and tangible common stockholders&#39; equity, our total assets and tangible assets, and the related GAAP and non-GAAP profitability and capital measures at or for the periods indicated: </p><div><div><table style="BORDER-TOP-COLOR: ; BORDER-COLLAPSE: collapse; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; BORDER-RIGHT-COLOR: " cellspacing="0" cellpadding="0" border="0"><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td colspan="5" style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>At or for the</b></font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td colspan="3" style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>At or for the</b></font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>Three Months Ended</b></font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td colspan="3" style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>Twelve Months Ended</b></font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>December 31,</b></font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>September 30,</b></font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>December 31,</b></font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>December 31,</b></font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>December 31,</b></font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">(dollars in thousands)</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>2020</b></font></font></p></td><td
style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>2020</b></font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>2019</b></font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>2020</b></font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>2019</b></font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>Total Shareholders&#39; Equity</b></font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">$ &#160; 6,841,644</font></font></p></td><td
style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">$ &#160; 6,734,730</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">$ &#160; 6,711,694</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">$ &#160; 6,841,644</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">$ &#160; 6,711,694</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Less: Goodwill</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">(2,426,379)</font></font></p></td><td style="BORDER-TOP-COLOR: ;
VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">(2,426,379)</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">(2,426,379)</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">(2,426,379)</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">(2,426,379)</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: left; PADDING-LEFT: 24px; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">&#160; Preferred stock</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">(502,840)</font></font></p></td><td
style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 24px; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">(502,840)</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">(502,840)</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">(502,840)</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">(502,840)</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>Tangible common shareholders&#39; equity</b></font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">$ &#160;
3,912,425</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">$ &#160; 3,805,511</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">$ &#160; 3,782,475</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">$ &#160; 3,912,425</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">$ &#160; 3,782,475</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>Total Assets&#160;</b></font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">$ 56,306,120</font></font></p></td><td style="BORDER-TOP-COLOR: ;
VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">$ 54,931,755</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">$ 53,640,821</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">$ 56,306,120</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">$ 53,640,821</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Less: Goodwill</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">(2,426,379)</font></font></p></td><td style="BORDER-TOP-COLOR: ;
VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">(2,426,379)</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">(2,426,379)</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">(2,426,379)</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">(2,426,379)</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>Tangible assets</b></font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">$ 53,879,741</font></font></p></td><td style="BORDER-TOP-COLOR: ;
VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">$ 52,505,376</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">$ 51,214,442</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">$ 53,879,741</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">$ 51,214,442</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>Average Common Shareholders&#39; Equity</b></font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">$ &#160; 6,258,720</font></font></p></td><td
style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">$ &#160; 6,219,783</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">$ &#160; 6,187,536</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">$ &#160; 6,205,286</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">$ &#160; 6,161,146</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Less: Average goodwill&#160;</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">(2,426,379)</font></font></p></td><td
style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">(2,426,379)</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">(2,426,379)</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">(2,426,379)</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">(2,428,703)</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>Average tangible common shareholders&#39; equity</b></font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">$ &#160;
3,832,341</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">$ &#160; 3,793,404</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">$ &#160; 3,761,157</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">$ &#160; 3,778,907</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">$ &#160; 3,732,443</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>Average Assets</b></font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">$ 54,959,914</font></font></p></td><td style="BORDER-TOP-COLOR: ;
VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">$ 54,269,399</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">$ 52,477,691</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">$ 54,109,037</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">$ 52,109,095</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Less: Average goodwill&#160;</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">(2,426,379)</font></font></p></td><td
style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">(2,426,379)</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">(2,426,379)</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">(2,426,379)</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">(2,428,703)</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>Average tangible assets</b></font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">$ 52,533,535</font></font></p></td><td
style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">$ 51,843,020</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">$ 50,051,312</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">$ 51,682,658</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">$ 49,680,392</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>Net Income Available to Common Shareholders&#160;</b></font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">$ &#160; &#160;
&#160;181,457</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">$ &#160; &#160; &#160;107,563</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">$ &#160; &#160; &#160; &#160;92,967</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">$ &#160; &#160; &#160;478,281</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">$ &#160; &#160; &#160;362,215</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>GAAP MEASURES:</b></font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Return on average assets (1)</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">1.38</font></font></p></td><td style="BORDER-TOP-COLOR: ;
VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: left; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">%</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">0.85</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom;
BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: left; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">%</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">0.77</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ;
BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: left; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">%</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">0.94</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN:
left; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">%</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">0.76</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: left; PADDING-LEFT: 6pt;
BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">%</font></font></p></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Return on average common shareholders&#39; equity (2)</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ;
PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">11.60</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">6.92</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">6.01</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">7.71</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">5.88</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Book value per common share</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">$ &#160; &#160; &#160; &#160;
&#160;13.66</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">$ &#160; &#160; &#160; &#160; &#160;13.43</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">$ &#160; &#160; &#160; &#160; &#160;13.29</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">$ &#160; &#160; &#160; &#160; &#160;13.66</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">$ &#160; &#160; &#160; &#160; &#160;13.29</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Common shareholders&#39; equity to total assets</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">11.26</font></font></p></td><td
style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">11.34</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">11.57</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">11.26</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">11.57</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>NON-GAAP MEASURES:</b></font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Return on average tangible assets (1)</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">1.44</font></font></p></td><td
style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: left; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">%</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">0.89</font></font></p></td><td style="BORDER-TOP-COLOR: ;
VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: left; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">%</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">0.81</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom;
BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: left; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">%</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">0.99</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ;
BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: left; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">%</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">0.80</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN:
left; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">%</font></font></p></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Return on average tangible common shareholders&#39; equity (2)&#160;</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right;
PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">18.94</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">11.34</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">9.89</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">12.66</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">9.70</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Tangible book value per common share</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">$ &#160; &#160; &#160; &#160; &#160;
&#160;8.43</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">$ &#160; &#160; &#160; &#160; &#160; &#160;8.20</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">$ &#160; &#160; &#160; &#160; &#160; &#160;8.09</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">$ &#160; &#160; &#160; &#160; &#160; &#160;8.43</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">$ &#160; &#160; &#160; &#160; &#160; &#160;8.09</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Tangible common shareholders&#39; equity to tangible assets</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">7.26</font></font></p></td><td
style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">7.25</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">7.39</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">7.26</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">7.39</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td></tr></table></div></div><p></p><div><div><table id="convertedTable46d6" style="BORDER-TOP: 0px; BORDER-RIGHT: 0px; BORDER-COLLAPSE: collapse; BORDER-BOTTOM: 0px; BORDER-LEFT: 0px" cellspacing="0" cellpadding="0" border="0"><tr><td style="BORDER-TOP: black 0pt; BORDER-RIGHT: black 0pt; VERTICAL-ALIGN: top; BORDER-BOTTOM: black 0pt; PADDING-LEFT: 6pt; BORDER-LEFT: black 0pt; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">(1)</font></font></p></td><td style="BORDER-TOP: black 0pt; BORDER-RIGHT: black 0pt; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 0pt; PADDING-LEFT: 6pt; BORDER-LEFT: black 0pt; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN:
0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">To calculate return on average assets for a period, we divide net income generated during that period by average assets recorded during that period. To calculate return on average tangible assets for a period, we divide net income by average tangible assets recorded during that period. </font></font></p></td></tr><tr><td style="BORDER-TOP: black 0pt; BORDER-RIGHT: black 0pt; VERTICAL-ALIGN: top; BORDER-BOTTOM: black 0pt; PADDING-LEFT: 6pt; BORDER-LEFT: black 0pt; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">(2)</font></font></p></td><td style="BORDER-TOP: black 0pt;
BORDER-RIGHT: black 0pt; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 0pt; PADDING-LEFT: 6pt; BORDER-LEFT: black 0pt; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">To calculate return on average common stockholders&#39; equity for a period, we divide net income available to common shareholders generated during that period by average common stockholders&#39; equity recorded during that period. To calculate return on average tangible common stockholders&#39; equity for a period, we divide net income available to common shareholders generated during that period by average tangible common stockholders&#39; equity recorded during that period.</font></font></p></td></tr></table></div></div><p> </p><div><div><table
style="BORDER-TOP-COLOR: ; BORDER-COLLAPSE: collapse; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; BORDER-RIGHT-COLOR: " cellspacing="0" cellpadding="0" border="0"><tr><td colspan="18" style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>NEW YORK COMMUNITY BANCORP, INC.</b></font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td></tr><tr><td colspan="18" style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>NET INTEREST INCOME ANALYSIS</b></font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td></tr><tr><td colspan="18" style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>LINKED-QUARTER AND YEAR-OVER-YEAR COMPARISONS</b></font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td></tr><tr><td colspan="18" style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">(unaudited)</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td colspan="17" style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>For the Three Months Ended</b></font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td colspan="5" style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>December 31, 2020</b></font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td colspan="5" style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>September 30, 2020</b></font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td colspan="5" style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>December 31, 2019</b></font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>Average
<br />Balance</b></font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>Interest</b></font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>Average
<br />Yield/Cost</b></font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>Average
<br />Balance</b></font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>Interest</b></font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>Average
<br />Yield/Cost</b></font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>Average
<br />Balance</b></font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>Interest</b></font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>Average
<br />Yield/Cost</b></font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">(dollars in thousands)</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>Assets:</b></font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: left; PADDING-LEFT: 12px; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Interest-earning assets:</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: left; PADDING-LEFT: 24px; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Mortgage and other loans and leases, net&#160;</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">$
42,436,104</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">$ &#160;388,082</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">3.66</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: left; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">%</font></font></p></td><td nowrap
style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">$ 42,302,113</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">$ &#160;380,337</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">3.60</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: left; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">%</font></font></p></td><td nowrap
style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">$ &#160; 40,670,220</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">$ &#160;393,660</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">3.87</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: left; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">%</font></font></p></td></tr><tr><td
style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: left; PADDING-LEFT: 24px; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Securities</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">5,847,981</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN:
bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">37,082</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">2.54</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">5,747,423</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">37,398</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">2.60</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">6,409,279</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">54,434</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">3.39</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: left; PADDING-LEFT: 24px; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Interest-earning cash and cash equivalents</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR:
black">1,682,947</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">663</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">0.16</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">1,224,114</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">314</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">0.10</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">611,176</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">2,589</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">1.68</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: left; PADDING-LEFT: 12px; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Total interest-earning assets</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">49,967,032</font></font></p></td><td
style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">425,827</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">3.41</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">49,273,650</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">418,049</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">3.39</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">47,690,675</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">450,683</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">3.78</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: left; PADDING-LEFT: 12px; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Non-interest-earning assets</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">4,992,882</font></font></p></td><td
style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">4,995,749</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">4,787,016</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: left; PADDING-LEFT: 12px; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Total assets</font></font></p></td><td nowrap style="BORDER-TOP: black; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 2pt double; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">$ 54,959,914</font></font></p></td><td
style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP: black; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 2pt double; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">$ 54,269,399</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP: black; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 2pt double; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">$ &#160; 52,477,691</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>Liabilities and Stockholders&#39; Equity:</b></font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: left; PADDING-LEFT: 12px; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Interest-bearing deposits:</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td></tr><tr><td rowspan="2" style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: left; PADDING-LEFT: 24px; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Interest-bearing checking and money </font><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">market accounts</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td></tr><tr><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">$ 12,004,197</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">$ &#160; &#160; &#160;8,988</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">0.30</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: left; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">%</font></font></p></td><td nowrap
style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">$ 11,231,509</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">$ &#160; &#160; &#160;9,328</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">0.33</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: left; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">%</font></font></p></td><td nowrap
style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">$ &#160; &#160; 9,857,399</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">$ &#160; &#160;33,951</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">1.37</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: left; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">%</font></font></p></td></tr><tr><td
style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: left; PADDING-LEFT: 24px; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Savings accounts</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">6,145,526</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN:
bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">6,915</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">0.45</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">5,755,035</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">7,593</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">0.52</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">4,800,951</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">9,435</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">0.78</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: left; PADDING-LEFT: 24px; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Certificates of deposit</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">10,765,843</font></font></p></td><td
style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">28,143</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">1.04</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">11,654,094</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">44,481</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">1.52</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">14,200,266</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">84,874</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">2.37</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: left; PADDING-LEFT: 12px; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Total interest-bearing deposits</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">28,915,566</font></font></p></td><td
style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">44,046</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">0.61</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">28,640,638</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">61,402</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">0.85</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">28,858,616</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">128,260</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">1.76</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: left; PADDING-LEFT: 12px; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Borrowed funds</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">15,342,541</font></font></p></td><td
style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">73,864</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">1.92</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">15,138,875</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">74,761</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">1.97</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">13,645,755</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">79,953</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">2.33</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: left; PADDING-LEFT: 12px; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Total interest-bearing liabilities</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">44,258,107</font></font></p></td><td
style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">117,910</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">1.06</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">43,779,513</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">136,163</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">1.24</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">42,504,371</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">208,213</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">1.94</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: left; PADDING-LEFT: 12px; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Non-interest-bearing deposits</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">3,221,558</font></font></p></td><td
style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">2,992,018</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">2,683,164</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: left; PADDING-LEFT: 12px; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Other liabilities</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">718,689</font></font></p></td><td
style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">775,245</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">599,780</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: left; PADDING-LEFT: 12px; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Total liabilities</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">48,198,354</font></font></p></td><td
style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">47,546,776</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">45,787,315</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: left; PADDING-LEFT: 12px; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Stockholders&#39; equity</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">6,761,560</font></font></p></td><td
style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">6,722,623</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">6,690,376</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: left; PADDING-LEFT: 12px; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Total liabilities and shareholders&#39; equity</font></font></p></td><td nowrap style="BORDER-TOP: black; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 2pt double; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">$
54,959,914</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP: black; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 2pt double; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">$ 54,269,399</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP: black; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 2pt double; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">$ &#160; 52,477,691</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: left; PADDING-LEFT: 12px; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Net interest income/interest rate spread</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 2pt double; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">$ &#160;307,917</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 2pt double; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">2.35</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: left; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">%</font></font></p></td><td nowrap
style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 2pt double; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">$ &#160;281,886</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 2pt double; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">2.15</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: left; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">%</font></font></p></td><td nowrap
style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 2pt double; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">$ &#160;242,470</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 2pt double; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">1.84</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: left; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">%</font></font></p></td></tr><tr><td
style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: left; PADDING-LEFT: 12px; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Net interest margin</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 2pt double; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">2.47</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: left; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">%</font></font></p></td><td nowrap
style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 2pt double; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">2.29</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: left; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">%</font></font></p></td><td nowrap
style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 2pt double; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">2.04</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: left; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">%</font></font></p></td></tr><tr><td
rowspan="2" style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: left; PADDING-LEFT: 12px; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Ratio of interest-earning assets to </font><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">interest-bearing liabilities&#160;</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td></tr><tr><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 2pt double; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">1.13</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">x</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ;
VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 2pt double; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">1.13</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">x</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ;
VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 2pt double; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">1.12</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">x</font></font></p></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN:
bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td></tr></table></div></div><p> </p><div><div><table style="BORDER-TOP-COLOR: ; BORDER-COLLAPSE: collapse; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; BORDER-RIGHT-COLOR: " cellspacing="0" cellpadding="0" border="0"><tr><td colspan="12" style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>NEW YORK COMMUNITY BANCORP, INC.</b></font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td></tr><tr><td colspan="12" style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>NET INTEREST INCOME ANALYSIS</b></font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td></tr><tr><td colspan="12" style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>YEAR-OVER-YEAR COMPARISON</b></font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td></tr><tr><td colspan="12" style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">(unaudited)</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td colspan="11" style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>For the Twelve Months Ended December 31,</b></font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td colspan="5" style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>2020</b></font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td colspan="5" style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>2019</b></font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>Average
<br />Balance</b></font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>Interest</b></font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>Average
<br />Yield/Cost</b></font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>Average
<br />Balance</b></font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>Interest</b></font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>Average
<br />Yield/Cost</b></font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">(dollars in thousands)</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>Assets:</b></font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: left; PADDING-LEFT: 12px; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Interest-earning assets:</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: left; PADDING-LEFT: 24px; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Mortgage and other loans, net&#160;</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">$
42,027,435</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">$ 1,542,215</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">3.67</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: left; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">%</font></font></p></td><td nowrap
style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">$ 40,384,573</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">$ 1,553,004</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">3.85</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: left; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">%</font></font></p></td></tr><tr><td
style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: left; PADDING-LEFT: 24px; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Securities</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">5,964,896</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN:
bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">162,729</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">2.73</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">6,329,898</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">235,596</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">3.72</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: left; PADDING-LEFT: 24px; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Interest-earning cash and cash equivalents</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR:
black">1,108,446</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">3,049</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">0.28</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">744,204</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">16,560</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">2.23</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: left; PADDING-LEFT: 12px; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Total interest-earning assets</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">49,100,777</font></font></p></td><td
style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">1,707,993</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">3.48</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">47,458,675</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">1,805,160</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">3.80</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: left; PADDING-LEFT: 12px; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Non-interest-earning assets</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">5,008,260</font></font></p></td><td
style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">4,650,420</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: left; PADDING-LEFT: 12px; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Total assets</font></font></p></td><td nowrap style="BORDER-TOP: black; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 2pt double; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">$ 54,109,037</font></font></p></td><td
style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP: black; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 2pt double; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">$ 52,109,095</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>Liabilities and Shareholders&#39; Equity:</b></font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: left; PADDING-LEFT: 12px; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Interest-bearing deposits:</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td></tr><tr><td rowspan="2" style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: left; PADDING-LEFT: 24px; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Interest-bearing checking and money </font><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">market accounts</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td></tr><tr><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">$ 10,965,099</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">$ &#160; &#160; &#160;56,939</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">0.52</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: left; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">%</font></font></p></td><td nowrap
style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">$ 10,597,285</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">$ &#160; &#160;174,347</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">1.65</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: left; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">%</font></font></p></td></tr><tr><td
style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: left; PADDING-LEFT: 24px; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Savings accounts</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">5,519,963</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN:
bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">31,650</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">0.57</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">4,737,423</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">35,705</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">0.75</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: left; PADDING-LEFT: 24px; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Certificates of deposit</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">12,412,183</font></font></p></td><td
style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">217,413</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">1.75</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">13,532,036</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">320,234</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">2.37</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: left; PADDING-LEFT: 12px; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Total interest-bearing deposits</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">28,897,245</font></font></p></td><td
style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">306,002</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">1.06</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">28,866,744</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">530,286</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">1.84</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: left; PADDING-LEFT: 12px; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Borrowed funds</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">14,833,142</font></font></p></td><td
style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">301,849</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">2.03</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">13,393,837</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">317,474</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">2.37</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: left; PADDING-LEFT: 12px; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Total interest-bearing liabilities</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">43,730,387</font></font></p></td><td
style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">607,851</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">1.39</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">42,260,581</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">847,760</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">2.01</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: left; PADDING-LEFT: 12px; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Non-interest-bearing deposits</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">2,956,563</font></font></p></td><td
style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">2,588,040</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: left; PADDING-LEFT: 12px; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Other liabilities</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">713,961</font></font></p></td><td
style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">596,488</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: left; PADDING-LEFT: 12px; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Total liabilities</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">47,400,911</font></font></p></td><td
style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">45,445,109</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: left; PADDING-LEFT: 12px; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Shareholders&#39; equity</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">6,708,126</font></font></p></td><td
style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">6,663,986</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: left; PADDING-LEFT: 12px; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Total liabilities and shareholders&#39; equity</font></font></p></td><td nowrap style="BORDER-TOP: black; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 2pt double; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">$
54,109,037</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP: black; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 2pt double; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">$ 52,109,095</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: left; PADDING-LEFT: 12px; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Net interest income/interest rate spread</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 2pt double; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">$ 1,100,142</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 2pt double; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">2.09</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: left; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">%</font></font></p></td><td nowrap
style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 2pt double; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">$ &#160; &#160;957,400</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 2pt double; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">1.79</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: left; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">%</font></font></p></td></tr><tr><td
style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: left; PADDING-LEFT: 12px; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Net interest margin</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 2pt double; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">2.24</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: left; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">%</font></font></p></td><td nowrap
style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 2pt double; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">2.02</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: left; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">%</font></font></p></td></tr><tr><td
rowspan="2" style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: left; PADDING-LEFT: 12px; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Ratio of interest-earning assets to </font><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">interest-bearing liabilities&#160;</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td></tr><tr><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 2pt double; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">1.12</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">x</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ;
VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 2pt double; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">1.12</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">x</font></font></p></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN:
bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td></tr></table></div></div><p> </p><div><div><table style="BORDER-TOP-COLOR: ; BORDER-COLLAPSE: collapse; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; BORDER-RIGHT-COLOR: " cellspacing="0" cellpadding="0" border="0"><tr><td colspan="10" style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>NEW YORK COMMUNITY BANCORP, INC.</b></font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td></tr><tr><td colspan="10" style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>CONSOLIDATED FINANCIAL HIGHLIGHTS</b></font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td></tr><tr><td colspan="10" style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">(unaudited)</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td colspan="5" style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>For the Three Months Ended</b></font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td colspan="3" style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>For the Twelve Months Ended</b></font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>December 31,</b></font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>September 30,</b></font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>December 31,</b></font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>December 31,</b></font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>December 31,</b></font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">(dollars in thousands except share and per share data)</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR:
black"><b>2020</b></font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>2020</b></font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>2019</b></font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>2020</b></font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>2019</b></font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>PROFITABILITY MEASURES:</b></font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: left; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Net income</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">$ &#160; &#160; &#160;189,664</font></font></p></td><td
style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">$ &#160; &#160; &#160;115,770</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">$ &#160; &#160; &#160;101,174</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">$ &#160; &#160; &#160;511,109</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">$ &#160; &#160; &#160;395,043</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: left; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Net income available to common shareholders</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR:
black">181,457</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">107,563</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">92,967</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">478,281</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">362,215</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: left; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Basic earnings per common share<sup>&#160;</sup></font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR:
black">0.39</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">0.23</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">0.20</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">1.02</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">0.77</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: left; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Diluted earnings per common share&#160;</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">0.39</font></font></p></td><td
style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">0.23</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">0.20</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">1.02</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">0.77</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: left; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Return on average assets</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">1.38</font></font></p></td><td
style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: left; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">%</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">0.85</font></font></p></td><td style="BORDER-TOP-COLOR: ;
VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: left; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">%</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">0.77</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom;
BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: left; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">%</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">0.94</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ;
BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: left; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">%</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">0.76</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN:
left; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">%</font></font></p></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: left; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Return on average tangible assets <sup>(1)</sup></font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right;
PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">1.44</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">0.89</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">0.81</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">0.99</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">0.80</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: left; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Return on average common shareholders&#39; equity</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR:
black">11.60</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">6.92</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">6.01</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">7.71</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">5.88</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: left; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Return on average tangible common shareholders&#39;</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: left; PADDING-LEFT: 12px; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">equity <sup>(1)</sup></font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">18.94</font></font></p></td><td
style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">11.34</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">9.89</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">12.66</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">9.70</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: left; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Efficiency ratio <sup>(2)</sup></font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">41.36</font></font></p></td><td
style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">43.47</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">48.51</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">44.02</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">49.08</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: left; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Operating expenses to average assets</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">0.97</font></font></p></td><td
style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">0.95</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">0.96</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">0.94</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">0.98</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: left; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Interest rate spread</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">2.35</font></font></p></td><td
style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">2.15</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">1.84</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">2.09</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">1.79</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: left; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Net interest margin</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">2.47</font></font></p></td><td
style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">2.29</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">2.04</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">2.24</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">2.02</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: left; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Effective tax rate</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">(6.35)</font></font></p></td><td
style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">24.89</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">23.43</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">13.05</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">24.51</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: left; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Shares used for basic common EPS computation</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR:
black">461,731,565</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">461,780,959</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">465,319,591</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">462,605,341</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">465,380,010</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: left; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Shares used for diluted common EPS computation</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR:
black">462,592,213</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">462,645,814</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">465,738,265</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">463,281,402</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">465,663,332</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: left; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Common shares outstanding at the respective</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: left; PADDING-LEFT: 12px; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">period-ends</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">463,901,808</font></font></p></td><td
style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">463,904,084</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">467,346,781</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">463,901,808</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">467,346,781</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 12px; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td></tr></table></div></div>
<br /><div><div><table id="convertedTablee27b" style="BORDER-TOP: 0px; BORDER-RIGHT: 0px; BORDER-COLLAPSE: collapse; BORDER-BOTTOM: 0px; BORDER-LEFT: 0px" cellspacing="0" cellpadding="0" border="0"><tr><td style="BORDER-TOP: black 0pt; BORDER-RIGHT: black 0pt; VERTICAL-ALIGN: top; BORDER-BOTTOM: black 0pt; PADDING-LEFT: 6pt; BORDER-LEFT: black 0pt; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">(1)</font></font></p></td><td style="BORDER-TOP: black 0pt; BORDER-RIGHT: black 0pt; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 0pt; PADDING-LEFT: 6pt; BORDER-LEFT: black 0pt; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font
style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">See the reconciliations of these non-GAAP measures with the comparable GAAP measures on page 12 of this release.</font></font></p></td></tr><tr><td style="BORDER-TOP: black 0pt; BORDER-RIGHT: black 0pt; VERTICAL-ALIGN: top; BORDER-BOTTOM: black 0pt; PADDING-LEFT: 6pt; BORDER-LEFT: black 0pt; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">(2)</font></font></p></td><td style="BORDER-TOP: black 0pt; BORDER-RIGHT: black 0pt; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 0pt; PADDING-LEFT: 6pt; BORDER-LEFT: black 0pt; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR:
black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">We calculate our efficiency ratio by dividing our operating expenses by the sum of our net interest income and non-interest income.</font></font></p></td></tr></table></div></div><p> </p><div><div><table style="BORDER-TOP-COLOR: ; BORDER-COLLAPSE: collapse; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; BORDER-RIGHT-COLOR: " cellspacing="0" cellpadding="0" border="0"><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>December 31,</b></font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>September 30,</b></font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>December 31,</b></font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>2020</b></font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>2020</b></font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>2019</b></font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>CAPITAL MEASURES:</b></font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Book value per common share</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">$ &#160; &#160; &#160; &#160; &#160;
&#160;13.66</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">$ &#160; &#160; &#160; &#160; &#160; &#160;13.43</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">$ &#160; &#160; &#160;13.29</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Tangible book value per common share <sup>(1)</sup></font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">8.43</font></font></p></td><td
style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">8.20</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">8.09</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Common shareholders&#39; equity to total assets</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">11.26</font></font></p></td><td
style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: left; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">%</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">11.34</font></font></p></td><td style="BORDER-TOP-COLOR: ;
VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: left; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">%</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">11.57</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom;
BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: left; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">%</font></font></p></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Tangible common shareholders&#39; equity to tangible assets <sup>(1)</sup></font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom;
BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">7.26</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">7.25</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">7.39</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td></tr><tr><td colspan="7" style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: left; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">(1) See the reconciliations of these non-GAAP measures with the comparable GAAP measures on page 12 of this release.</font></font></p></td></tr></table></div></div>
<br /><p> </p><div><div><table style="BORDER-TOP-COLOR: ; BORDER-COLLAPSE: collapse; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; BORDER-RIGHT-COLOR: " cellspacing="0" cellpadding="0" border="0"><tr><td colspan="6" style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>NEW YORK COMMUNITY BANCORP, INC.</b></font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td></tr><tr><td colspan="6" style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>SUPPLEMENTAL FINANCIAL INFORMATION</b></font></font></p></td><td colspan="2" style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>December 31,
2020</b></font></font></p></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td colspan="2" style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>compared to</b></font></font></p></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>December 31,</b></font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>September 30,</b></font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>December 31,</b></font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>September 30,</b></font></font></p></td><td nowrap
style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>December 31,</b></font></font></p></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>2020</b></font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>2020</b></font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>2019</b></font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR:
black"><b>2020</b></font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>2019</b></font></font></p></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">(unaudited)</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">(unaudited)</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">(unaudited)</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">(in thousands, except share data)</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>Assets</b></font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Cash and cash equivalents</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">$ &#160; 1,947,931</font></font></p></td><td
style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">$ &#160; 1,458,641</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">$ &#160; &#160; &#160;741,870</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR:
black">34%</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">163%</font></font></p></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Securities:</font></font></p></td><td nowrap
style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: left; PADDING-LEFT: 12px; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Available-for-sale</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">5,813,333</font></font></p></td><td
style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">5,233,744</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">5,853,057</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">11%</font></font></p></td><td
nowrap="nowrap" style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">-1%</font></font></p></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">&#160;&#160;&#160; Equity investments with readily</font></font></p></td><td nowrap
style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">&#160;&#160;&#160;&#160;&#160;&#160;&#160; determinable fair values, at fair value</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR:
black">31,576</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">31,448</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">32,830</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR:
black">0%</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">-4%</font></font></p></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Total securities</font></font></p></td><td nowrap
style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">5,844,909</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">5,265,192</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">5,885,887</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">11%</font></font></p></td><td
nowrap="nowrap" style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">-1%</font></font></p></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Loans held for sale</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ;
VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">117,136</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">117,272</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">-</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">0%</font></font></p></td><td
nowrap="nowrap" style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">NM</font></font></p></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Mortgage loans held for investment:</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN:
bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: left; PADDING-LEFT: 12px; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Multi-family</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">32,261,123</font></font></p></td><td
style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">32,124,324</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">31,182,079</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">0%</font></font></p></td><td
nowrap="nowrap" style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">3%</font></font></p></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: left; PADDING-LEFT: 12px; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Commercial real estate&#160;</font></font></p></td><td nowrap
style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">6,839,075</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">6,887,918</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">7,084,499</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">-1%</font></font></p></td><td
nowrap="nowrap" style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">-3%</font></font></p></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: left; PADDING-LEFT: 12px; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">One-to-four family</font></font></p></td><td nowrap
style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">236,267</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">274,387</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">380,684</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">-14%</font></font></p></td><td
nowrap="nowrap" style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">-38%</font></font></p></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: left; PADDING-LEFT: 12px; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Acquisition, development, and construction</font></font></p></td><td
nowrap="nowrap" style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">89,721</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">85,902</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">200,464</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR:
black">4%</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">-55%</font></font></p></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Total mortgage loans held for
investment</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">39,426,186</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">39,372,531</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">38,847,726</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">0%</font></font></p></td><td
nowrap="nowrap" style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">1%</font></font></p></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Other loans and leases held for investment:&#160;</font></font></p></td><td nowrap
style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: left; PADDING-LEFT: 12px; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Specialty Finance</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">3,056,463</font></font></p></td><td
style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">3,055,896</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">2,617,304</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">0%</font></font></p></td><td
nowrap="nowrap" style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">17%</font></font></p></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: left; PADDING-LEFT: 12px; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Commercial and industrial&#160;</font></font></p></td><td nowrap
style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">394,404</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">394,305</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">420,993</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">0%</font></font></p></td><td
nowrap="nowrap" style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">-6%</font></font></p></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: left; PADDING-LEFT: 12px; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Other loans</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ;
VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">6,545</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">6,487</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">8,132</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR:
black">1%</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">-20%</font></font></p></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Total other loans and leases&#160; held for
investment</font></font></p></td><td nowrap style="BORDER-TOP: black 1pt solid; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">3,457,412</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP: black; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">3,456,688</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP: black; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">3,046,429</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR:
black">0%</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">13%</font></font></p></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Total loans and leases held for
investment</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">42,883,598</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">42,829,219</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">41,894,155</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">0%</font></font></p></td><td
nowrap="nowrap" style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">2%</font></font></p></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Less:&#160; Allowance for loan and lease losses</font></font></p></td><td nowrap
style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 10pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">(194,043)</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 10pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">(188,307)</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 10pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">(147,638)</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR:
black">3%</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">31%</font></font></p></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Total loans and leases, net</font></font></p></td><td
nowrap="nowrap" style="BORDER-TOP: black 1pt solid; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">42,806,691</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP: black; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">42,758,184</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP: black; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">41,746,517</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR:
black">0%</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">3%</font></font></p></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Federal Home Loan Bank stock, at cost</font></font></p></td><td
nowrap="nowrap" style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">714,005</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">697,483</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">647,562</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">2%</font></font></p></td><td
nowrap="nowrap" style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">10%</font></font></p></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Premises and equipment, net</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ;
VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">287,447</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">289,788</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">312,626</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">-1%</font></font></p></td><td
nowrap="nowrap" style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">-8%</font></font></p></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Operating lease right-of-use assets</font></font></p></td><td nowrap
style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">266,864</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">271,515</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">286,194</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">-2%</font></font></p></td><td
nowrap="nowrap" style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">-7%</font></font></p></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Goodwill</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom;
BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">2,426,379</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">2,426,379</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">2,426,379</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">0%</font></font></p></td><td
nowrap="nowrap" style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">0%</font></font></p></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Other assets&#160;</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ;
VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">2,011,894</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">1,764,573</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">1,593,786</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">14%</font></font></p></td><td
nowrap="nowrap" style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">26%</font></font></p></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>Total assets</b></font></font></p></td><td nowrap style="BORDER-TOP: black 1pt solid;
VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 2pt double; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">$ 56,306,120</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP: black 1pt solid; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 2pt double; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">$ 54,931,755</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP: black 1pt solid; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 2pt double; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">$ 53,640,821</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR:
black">3%</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">5%</font></font></p></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>Liabilities and Shareholders&#39;
Equity</b></font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Deposits:</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: left; PADDING-LEFT: 12px; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Interest-bearing checking and money market accounts</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">$
12,610,073</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">$ 11,693,982</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">$ 10,230,144</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR:
black">8%</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">23%</font></font></p></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: left; PADDING-LEFT: 12px; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Savings accounts</font></font></p></td><td
nowrap="nowrap" style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">6,415,608</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">5,964,981</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">4,780,007</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">8%</font></font></p></td><td
nowrap="nowrap" style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">34%</font></font></p></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: left; PADDING-LEFT: 12px; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Certificates of deposit</font></font></p></td><td nowrap
style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">10,330,680</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">10,990,080</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">14,214,858</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">-6%</font></font></p></td><td
nowrap="nowrap" style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">-27%</font></font></p></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: left; PADDING-LEFT: 12px; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Non-interest-bearing accounts</font></font></p></td><td nowrap
style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">3,080,452</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">3,055,898</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">2,432,123</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR:
black">1%</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">27%</font></font></p></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Total deposits</font></font></p></td><td nowrap
style="BORDER-TOP: black 1pt solid; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">32,436,813</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP: black; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">31,704,941</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP: black; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">31,657,132</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR:
black">2%</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">2%</font></font></p></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Borrowed funds:</font></font></p></td><td nowrap
style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: left; PADDING-LEFT: 12px; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Wholesale borrowings</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">15,427,661</font></font></p></td><td
style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">15,027,661</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">13,902,661</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">3%</font></font></p></td><td
nowrap="nowrap" style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">11%</font></font></p></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: left; PADDING-LEFT: 12px; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Junior subordinated debentures</font></font></p></td><td nowrap
style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">360,259</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">360,157</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">359,866</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">0%</font></font></p></td><td
nowrap="nowrap" style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">0%</font></font></p></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: left; PADDING-LEFT: 12px; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Subordinated notes</font></font></p></td><td nowrap
style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">295,624</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">295,485</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">295,066</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR:
black">0%</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">0%</font></font></p></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Total borrowed funds</font></font></p></td><td nowrap
style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">16,083,544</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">15,683,303</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">14,557,593</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">3%</font></font></p></td><td
nowrap="nowrap" style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">10%</font></font></p></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Operating lease liabilities</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ;
VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">266,846</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">271,499</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">285,991</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">-2%</font></font></p></td><td
nowrap="nowrap" style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">-7%</font></font></p></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Other liabilities</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ;
VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">677,273</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">537,282</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">428,411</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR:
black">26%</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">58%</font></font></p></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Total liabilities</font></font></p></td><td nowrap
style="BORDER-TOP: black 1pt solid; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">49,464,476</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP: black; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">48,197,025</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP: black; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">46,929,127</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR:
black">3%</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">5%</font></font></p></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Shareholders&#39; equity:</font></font></p></td><td
nowrap="nowrap" style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: left; PADDING-LEFT: 12px; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Preferred stock at par $0.01 (5,000,000 shares authorized):&#160;</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: left; PADDING-LEFT: 24px; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Series A (515,000 shares issued and outstanding)</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR:
black">502,840</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">502,840</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">502,840</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">0%</font></font></p></td><td
nowrap="nowrap" style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">0%</font></font></p></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: left; PADDING-LEFT: 12px; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Common stock at par $0.01 (900,000,000 shares authorized; 490,439,070;
490,439,070;</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: left; PADDING-LEFT: 24px; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">and 490,439,070 shares issued; and 463,901,808; 463,904,084; and 467,346,781</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR:
black">4,904</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">4,904</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">4,904</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">0%</font></font></p></td><td
nowrap="nowrap" style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">0%</font></font></p></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: left; PADDING-LEFT: 24px; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">shares outstanding, respectively)</font></font></p></td><td nowrap
style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: left; PADDING-LEFT: 12px; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Paid-in capital in excess of par</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">6,122,690</font></font></p></td><td
style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">6,117,902</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">6,115,487</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">0%</font></font></p></td><td
nowrap="nowrap" style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">0%</font></font></p></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: left; PADDING-LEFT: 12px; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Retained earnings&#160;</font></font></p></td><td nowrap
style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">494,229</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">391,528</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">342,023</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">26%</font></font></p></td><td
nowrap="nowrap" style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">45%</font></font></p></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: left; PADDING-LEFT: 12px; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Treasury stock, at cost (26,537,262; 26,534,986 and 23,092,289 shares,
respectively)</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 10pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">(257,541)</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 10pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">(257,521)</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 10pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">(220,717)</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">0%</font></font></p></td><td
nowrap="nowrap" style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">17%</font></font></p></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: left; PADDING-LEFT: 12px; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Accumulated other comprehensive loss, net of tax:</font></font></p></td><td
nowrap="nowrap" style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: left; PADDING-LEFT: 24px; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Net unrealized gain on securities available for sale, net of tax</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR:
black">66,880</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">67,755</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">25,440</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">-1%</font></font></p></td><td
nowrap="nowrap" style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">163%</font></font></p></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: left; PADDING-LEFT: 24px; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Pension and post-retirement obligations, net of tax</font></font></p></td><td
nowrap="nowrap" style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 10pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">(59,345)</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 10pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">(55,137)</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 10pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">(59,136)</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">8%</font></font></p></td><td
nowrap="nowrap" style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">0%</font></font></p></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: left; PADDING-LEFT: 24px; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Net unrealized (loss) gain on cash flow hedges, net of
tax</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 10pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">(33,013)</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 10pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">(37,541)</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">853</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR:
black">-12%</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">NM</font></font></p></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: left; PADDING-LEFT: 12px; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Total accumulated other comprehensive loss, net of
tax</font></font></p></td><td nowrap style="BORDER-TOP: black 1pt solid; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 10pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">(25,478)</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP: black; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 10pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">(24,923)</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP: black; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 10pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">(32,843)</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR:
black">2%</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">-22%</font></font></p></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Total shareholders&#39; equity</font></font></p></td><td
nowrap="nowrap" style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">6,841,644</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">6,734,730</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">6,711,694</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">2%</font></font></p></td><td
nowrap="nowrap" style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">2%</font></font></p></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>Total liabilities and shareholders&#39; equity</b></font></font></p></td><td nowrap
style="BORDER-TOP: black 1pt solid; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 2pt double; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">$ 56,306,120</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP: black 1pt solid; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 2pt double; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">$ 54,931,755</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP: black 1pt solid; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 2pt double; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">$ 53,640,821</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR:
black">3%</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">5%</font></font></p></td></tr></table></div></div><p> </p><div><div><table style="BORDER-TOP-COLOR: ; BORDER-COLLAPSE: collapse; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; BORDER-RIGHT-COLOR: " cellspacing="0" cellpadding="0" border="0"><tr><td colspan="9" style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE:
8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>NEW YORK COMMUNITY BANCORP, INC.</b></font></font></p></td></tr><tr><td colspan="9" style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>SUPPLEMENTAL FINANCIAL INFORMATION (continued)</b></font></font></p></td></tr><tr><td colspan="9" style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ;
PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">(unaudited)</font></font></p></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td colspan="2" style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td colspan="2" style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>December 31, 2020</b></font></font></p></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td colspan="5" style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>For the Three Months Ended</b></font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td colspan="2" style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>compared to</b></font></font></p></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>December 31,</b></font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>September 30,</b></font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>December 31,</b></font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>September 30,</b></font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>December 31,</b></font></font></p></td></tr><tr><td
style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>2020</b></font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>2020</b></font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>2019</b></font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>2020</b></font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR:
black"><b>2019</b></font></font></p></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">(in thousands, except per share data)</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>Interest Income:</b></font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: left; PADDING-LEFT: 12px; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Loans and leases</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">$ &#160; &#160;388,082</font></font></p></td><td
style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">$ 380,337</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">$ 393,660</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">2%</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">-1%</font></font></p></td></tr><tr><td
style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: left; PADDING-LEFT: 12px; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Securities and money market investments</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">37,745</font></font></p></td><td
style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">37,712</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">57,023</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">0%</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR:
black">-34%</font></font></p></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Total interest income</font></font></p></td><td nowrap style="BORDER-TOP: black; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">425,827</font></font></p></td><td
style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP: black; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">418,049</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP: black; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">450,683</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">2%</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">-6%</font></font></p></td></tr><tr><td
style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>Interest Expense:</b></font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: left; PADDING-LEFT: 12px; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Interest-bearing checking and money market accounts</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR:
black">8,988</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">9,328</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">33,951</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">-4%</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR:
black">-74%</font></font></p></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: left; PADDING-LEFT: 12px; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Savings accounts&#160;</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR:
black">6,915</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">7,593</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">9,435</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">-9%</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR:
black">-27%</font></font></p></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: left; PADDING-LEFT: 12px; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Certificates of deposit</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR:
black">28,143</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">44,481</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">84,874</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">-37%</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR:
black">-67%</font></font></p></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: left; PADDING-LEFT: 12px; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Borrowed funds</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR:
black">73,864</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">74,761</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">79,953</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">-1%</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR:
black">-8%</font></font></p></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Total interest expense</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">117,910</font></font></p></td><td
style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP: black; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">136,163</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP: black; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">208,213</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">-13%</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR:
black">-43%</font></font></p></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: left; PADDING-LEFT: 12px; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Net interest income</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR:
black">307,917</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">281,886</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">242,470</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">9%</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">27%</font></font></p></td></tr><tr><td
style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Provision for credit losses</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">11,036</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN:
bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">13,016</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">1,702</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">-15%</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR:
black">548%</font></font></p></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: left; PADDING-LEFT: 12px; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Net interest income after provision for credit losses</font></font></p></td><td nowrap style="BORDER-TOP: black; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial;
COLOR: black">296,881</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP: black 1pt solid; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">268,870</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP: black 1pt solid; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">240,768</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">10%</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR:
black">23%</font></font></p></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>Non-Interest Income:</b></font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: left; PADDING-LEFT: 12px; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Fee income</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">6,045</font></font></p></td><td style="BORDER-TOP-COLOR: ;
VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">5,240</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">7,002</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">15%</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR:
black">-14%</font></font></p></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: left; PADDING-LEFT: 12px; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Bank-owned life insurance</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR:
black">7,292</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">7,566</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">8,118</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">-4%</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR:
black">-10%</font></font></p></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: left; PADDING-LEFT: 12px; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Net (losses) gains on securities&#160;</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR:
black">128</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 10pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">(284)</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 10pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">(30)</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">-145%</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR:
black">-527%</font></font></p></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: left; PADDING-LEFT: 12px; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Other income&#160;</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR:
black">1,568</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">1,246</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">2,372</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">26%</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR:
black">-34%</font></font></p></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Total non-interest income&#160;&#160;</font></font></p></td><td nowrap style="BORDER-TOP: black 1pt solid; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR:
black">15,033</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP: black; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">13,768</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP: black; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">17,462</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">9%</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR:
black">-14%</font></font></p></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>Non-Interest Expense:</b></font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: left; PADDING-LEFT: 12px; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Operating expenses:</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: left; PADDING-LEFT: 12px; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Compensation and benefits</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">72,576</font></font></p></td><td
style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">73,182</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">72,525</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">-1%</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">0%</font></font></p></td></tr><tr><td
style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: left; PADDING-LEFT: 12px; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Occupancy and equipment</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">22,876</font></font></p></td><td style="BORDER-TOP-COLOR: ;
VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">23,960</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">22,575</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">-5%</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">1%</font></font></p></td></tr><tr><td
style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: left; PADDING-LEFT: 12px; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">General and administrative</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">38,116</font></font></p></td><td style="BORDER-TOP-COLOR: ;
VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">31,366</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">30,997</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">22%</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR:
black">23%</font></font></p></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Total non-interest expense</font></font></p></td><td nowrap style="BORDER-TOP: black 1pt solid; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR:
black">133,568</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP: black; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">128,508</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP: black; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">126,097</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">4%</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">6%</font></font></p></td></tr><tr><td
style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Income before income taxes</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">178,346</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom;
BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">154,130</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">132,133</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">16%</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR:
black">35%</font></font></p></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Income tax (benefit) expense&#160;</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 10pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR:
black">(11,318)</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">38,360</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">30,959</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">-130%</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR:
black">-137%</font></font></p></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: left; PADDING-LEFT: 12px; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>Net Income&#160;</b></font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR:
black">189,664</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">115,770</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">101,174</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">64%</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR:
black">87%</font></font></p></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Preferred stock dividends</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">8,207</font></font></p></td><td
style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">8,207</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">8,207</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">0%</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">0%</font></font></p></td></tr><tr><td
style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: left; PADDING-LEFT: 12px; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>Net income available to common shareholders</b></font></font></p></td><td nowrap style="BORDER-TOP: black 1pt solid; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 2pt double; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">$ &#160;
&#160;181,457</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP: black; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 2pt double; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">$ 107,563</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP: black; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 2pt double; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">$ &#160; 92,967</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">69%</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR:
black">95%</font></font></p></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: left; PADDING-LEFT: 12px; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>Basic earnings per common share<b><sup>&#160;</sup></b></b></font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 2pt double; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR:
black">$ &#160; &#160; &#160; &#160; &#160;0.39</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 2pt double; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">$ &#160; &#160; &#160; 0.23</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 2pt double; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">$ &#160; &#160; &#160; 0.20</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">70%</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR:
black">95%</font></font></p></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: left; PADDING-LEFT: 12px; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>Diluted earnings per <b>common share</b></b></font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 2pt double; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial;
COLOR: black">$ &#160; &#160; &#160; &#160; &#160;0.39</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP: black; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 2pt double; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">$ &#160; &#160; &#160; 0.23</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 2pt double; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">$ &#160; &#160; &#160; 0.20</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">70%</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR:
black">95%</font></font></p></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: left; PADDING-LEFT: 12px; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>Dividends per common share</b></font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 2pt double; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">$
&#160; &#160; &#160; &#160; &#160;0.17</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 2pt double; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">$ &#160; &#160; &#160; 0.17</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 2pt double; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">$ &#160; &#160; &#160; 0.17</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">0%</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR:
black">0%</font></font></p></td></tr></table></div></div><p style="TEXT-ALIGN: center"> </p><p style="TEXT-ALIGN: center"> <b>NEW YORK COMMUNITY BANCORP, INC.
<br /></b><b>SUPPLEMENTAL FINANCIAL INFORMATION (continued)</b></p><p>While net income, net income available to common shareholders and diluted earnings per common shares are financial measures that are recorded in accordance with U.S. generally accepted accounting principles (&#34;GAAP&#34;), related measures that result from reducing the impact of the CARES Act tax benefit are not. Nevertheless, it is management&#39;s belief that these non-GAAP measures better reflect management&#39;s view of the Company&#39;s operating results and should be disclosed in our earnings releases and other investor communications to provide additional useful information that allows readers to evaluate the ongoing performance of the Company.</p><p>The table below reflects the impact of the CARES Act tax benefit on our financial results for the periods indicated: </p><div><div><table style="BORDER-TOP-COLOR:
; BORDER-COLLAPSE: collapse; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; BORDER-RIGHT-COLOR: " cellspacing="0" cellpadding="0" border="0"><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>For the Three</b></font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>For the Twelve</b></font></font></p></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>Months Ended</b></font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>Months Ended</b></font></font></p></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>December 31,</b></font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>December 31,</b></font></font></p></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>2020</b></font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>2020</b></font></font></p></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Net income- GAAP&#160;</font></font></p></td><td nowrap
style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">$ &#160; &#160; &#160;189,664</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">$ &#160; &#160; &#160;511,109</font></font></p></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Income tax benefit related to the CARES
Act</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">(55,311)</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">(68,411)</font></font></p></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Net income- non-GAAP&#160;</font></font></p></td><td nowrap
style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">134,353</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">442,698</font></font></p></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Preferred stock dividends</font></font></p></td><td nowrap
style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">8,207</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">32,828</font></font></p></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Net income available to common shareholders-
non-GAAP&#160;</font></font></p></td><td nowrap style="BORDER-TOP: black; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 2pt double; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">$ &#160; &#160; &#160;126,146</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP: black; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 2pt double; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">$ &#160; &#160; &#160;409,870</font></font></p></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Diluted earnings per common share- GAAP</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 2pt double; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">$ &#160; &#160; &#160; &#160; &#160;
&#160;0.39</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 2pt double; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">$ &#160; &#160; &#160; &#160; &#160; &#160;1.02</font></font></p></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Diluted earnings per common
share- non-GAAP</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 2pt double; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">$ &#160; &#160; &#160; &#160; &#160; &#160;0.27</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 2pt double; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">$ &#160; &#160; &#160; &#160; &#160; &#160;0.87</font></font></p></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 8pt">
<br /></td></tr></table></div></div><p style="TEXT-ALIGN: center"> </p><p style="TEXT-ALIGN: center"><b>NEW YORK COMMUNITY BANCORP, INC.
<br /></b><b>SUPPLEMENTAL FINANCIAL INFORMATION (continued)</b></p><p>The following tables summarize the contribution of loan and securities prepayment income on the Company&#39;s interest income and net interest margin for the periods indicated.</p><div><div><table style="BORDER-TOP-COLOR: ; BORDER-COLLAPSE: collapse; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; BORDER-RIGHT-COLOR: " cellspacing="0" cellpadding="0" border="0"><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td colspan="5" style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>For the Three Months Ended</b></font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td colspan="3" style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>December 31, 2020 compared to</b></font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>December 31,</b></font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>September 30,</b></font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>December 31,</b></font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>September 30,</b></font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>December 31,</b></font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>2020</b></font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>2020</b></font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>2019</b></font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>2020</b></font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>2019</b></font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">(dollars in thousands)</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>Total Interest Income</b></font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">$425,827</font></font></p></td><td style="BORDER-TOP-COLOR: ;
VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">$418,049</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">$450,683</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">2%</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">-6%</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>Prepayment Income:</b></font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">&#160;&#160;&#160;&#160; Loans</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">$19,530</font></font></p></td><td style="BORDER-TOP-COLOR:
; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">$11,279</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">$15,422</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">73%</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">27%</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">&#160;&#160;&#160;&#160; Securities</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">1,337</font></font></p></td><td
style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">355</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">2,431</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">277%</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">-45%</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Total prepayment income</font></font></p></td><td nowrap style="BORDER-TOP: black; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 2pt double; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">$20,867</font></font></p></td><td
style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP: black; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 2pt double; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">$11,634</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP: black; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 2pt double; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">$17,853</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">79%</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">17%</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>GAAP Net Interest Margin</b></font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">2.47%</font></font></p></td><td style="BORDER-TOP-COLOR: ;
VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">2.29%</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">2.04%</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">18</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">bp</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom;
BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">43</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">bp</font></font></p></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ;
PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">&#160;&#160;&#160;&#160; Less:</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">&#160;&#160;&#160;&#160; Prepayment income from loans</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">16</font></font></p></td><td
style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">bp</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">9</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ;
BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">bp</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">12</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT:
6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">bp</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">7</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN:
0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">bp</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">4</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font
style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">bp</font></font></p></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">&#160;&#160;&#160;&#160; Prepayment income from securities</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font
style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">1</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">-</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">2</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">1</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">bp</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom;
BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">-1</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">bp</font></font></p></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ;
PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Total prepayment income contribution&#160;</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: left; PADDING-LEFT: 24px; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">to net interest margin</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 2pt double; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">17</font></font></p></td><td
style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">bp</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 2pt double; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">9</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ;
BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">bp</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 2pt double; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">14</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ;
PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">bp</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">8</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black;
MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">bp</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">3</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font
style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">bp</font></font></p></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>Adjusted Net Interest Margin (non-GAAP)</b></font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">2.30%</font></font></p></td><td
style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">2.20%</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">1.90%</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">10</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">bp</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom;
BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">40</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">bp</font></font></p></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt;
BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td colspan="3" style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>For the Twelve Months Ended</b></font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>December 31,</b></font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>December 31,</b></font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>2020</b></font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>2019</b></font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>Change (%)</b></font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">(dollars in thousands)</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>Total Interest Income</b></font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">$1,707,993</font></font></p></td><td style="BORDER-TOP-COLOR:
; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">$1,805,160</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">-5%</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>Prepayment Income:</b></font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">&#160;&#160;&#160;&#160; Loans</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">$52,096</font></font></p></td><td style="BORDER-TOP-COLOR:
; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">$48,884</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">7%</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">&#160;&#160;&#160;&#160; Securities</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">2,354</font></font></p></td><td
style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">5,304</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">-56%</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Total prepayment income</font></font></p></td><td nowrap style="BORDER-TOP: black; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 2pt double; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">$54,450</font></font></p></td><td
style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP: black; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 2pt double; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">$54,188</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">0%</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>GAAP Net Interest Margin</b></font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">2.24%</font></font></p></td><td style="BORDER-TOP-COLOR: ;
VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">2.02%</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">22</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">bp</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom;
BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">&#160;&#160;&#160;&#160; Less:</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">&#160;&#160;&#160;&#160; Prepayment income from loans</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">11</font></font></p></td><td
style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">bp</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">11</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ;
BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">bp</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">0</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT:
6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">bp</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">&#160;&#160;&#160;&#160; Prepayment income from securities</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR:
black">-</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">1</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">-1</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">bp</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom;
BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Total prepayment income contribution</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: left; PADDING-LEFT: 24px; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">to net interest margin</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 2pt double; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">11</font></font></p></td><td
style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">bp</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 2pt double; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">12</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ;
BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">bp</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">-1</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT:
6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">bp</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>Adjusted Net Interest Margin (non-GAAP)</b></font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">2.13%</font></font></p></td><td
style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">1.90%</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">23</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">bp</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom;
BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td></tr></table></div></div><p>While our net interest margin, including the contribution of prepayment income is recorded in accordance with GAAP, adjusted net interest margin, which excludes the contribution of prepayment income is not.  Nevertheless, management uses this non-GAAP measure in its analysis of our performance, and believes that this non-GAAP measure should be disclosed in our earnings releases and other investor communications for the following reasons:</p><ol type="1"><li>Adjusted net interest margin gives investors a better understanding of the effect of prepayment income and other items on our net interest margin. Prepayment income in any given period depends on the volume of loans that refinance or prepay, or securities that prepay, during that period. Such activity is largely dependent on external factors such as current market conditions, including real
estate values, and the perceived or actual direction of market interest rates. </li><li>Adjusted net interest margin is among the measures considered by current and prospective investors, both independent of, and in comparison with, our peers.</li></ol><p style="TEXT-ALIGN: center"><b>NEW YORK COMMUNITY BANCORP, INC.
<br /></b><b>SUPPLEMENTAL FINANCIAL INFORMATION (continued)</b></p><div><div><table style="BORDER-TOP-COLOR: ; BORDER-COLLAPSE: collapse; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; BORDER-RIGHT-COLOR: " cellspacing="0" cellpadding="0" border="0"><tr><td colspan="10" style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>LOANS ORIGINATED FOR INVESTMENT</b></font></font></p></td></tr><tr><td colspan="10" style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT:
6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">(unaudited)</font></font></p></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td colspan="3" style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>December 31, 2020</b></font></font></p></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td colspan="5" style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>For the Three Months Ended</b></font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td colspan="3" style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>compared to</b></font></font></p></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>December 31,</b></font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>September 30,</b></font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>December 31,</b></font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>September 30,</b></font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>December 31,</b></font></font></p></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>2020</b></font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>2020</b></font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>2019</b></font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>2020</b></font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>2019</b></font></font></p></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">(in thousands)</font></font></p></td><td nowrap
style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>Mortgage Loans Originated for Investment:</b></font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">&#160;&#160;&#160;&#160; Multi-family</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">$2,776,301</font></font></p></td><td
style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">$2,104,809</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">$1,991,636</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">32%</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">39%</font></font></p></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">&#160;&#160;&#160;&#160; Commercial real estate</font></font></p></td><td
nowrap="nowrap" style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">507,031</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">169,536</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">326,834</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">199%</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">55%</font></font></p></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">&#160;&#160;&#160;&#160; One-to-four family residential</font></font></p></td><td
nowrap="nowrap" style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">12,972</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">-</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">77,321</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">NM</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">-83%</font></font></p></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">&#160;&#160;&#160;&#160; Acquisition, development, and
construction</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">10,347</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">19,309</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">33,173</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">-46%</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">-69%</font></font></p></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Total mortgage loans originated for investment</font></font></p></td><td
nowrap="nowrap" style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">3,306,651</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">2,293,654</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">2,428,964</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">44%</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">36%</font></font></p></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>Other Loans Originated for Investment:</b></font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">&#160;&#160;&#160;&#160; Specialty Finance</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">447,086</font></font></p></td><td
style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">589,970</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">799,163</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">-24%</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">-44%</font></font></p></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">&#160;&#160;&#160;&#160; Other commercial and industrial</font></font></p></td><td
nowrap="nowrap" style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">120,449</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">93,023</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">88,672</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">29%</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">36%</font></font></p></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">&#160;&#160;&#160;&#160; Other</font></font></p></td><td nowrap
style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">1,402</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">845</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">707</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">66%</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">98%</font></font></p></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Total other loans originated for investment</font></font></p></td><td nowrap
style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">568,937</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">683,838</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">888,542</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">-17%</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">-36%</font></font></p></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>Total Loans Originated for Investment</b></font></font></p></td><td nowrap
style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 2pt double; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">$3,875,588</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 2pt double; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">$2,977,492</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 2pt double; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">$3,317,506</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">30%</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">17%</font></font></p></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td colspan="3" style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>For the Twelve Months Ended</b></font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>December 31,</b></font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>December 31,</b></font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>2020</b></font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>2019</b></font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>Change (%)</b></font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">(in thousands)</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>Mortgage Loans Originated for Investment:</b></font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">&#160;&#160;&#160;&#160; Multi-family</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">$8,711,586</font></font></p></td><td
style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">$5,981,700</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">46%</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">&#160;&#160;&#160;&#160; Commercial real estate</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">958,193</font></font></p></td><td
style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">1,226,272</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">-22%</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">&#160;&#160;&#160;&#160; One-to-four family residential</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">58,258</font></font></p></td><td
style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">102,829</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">-43%</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">&#160;&#160;&#160;&#160; Acquisition, development, and construction</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR:
black">35,099</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">91,400</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">-62%</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Total mortgage loans originated for investment</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR:
black">9,763,136</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">7,402,201</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">32%</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>Other Loans Originated for Investment:</b></font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">&#160;&#160;&#160;&#160; Specialty Finance</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">2,694,459</font></font></p></td><td
style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">2,799,962</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">-4%</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">&#160;&#160;&#160;&#160; Other commercial and industrial</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">393,035</font></font></p></td><td
style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">391,702</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">0%</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">&#160;&#160;&#160;&#160; Other</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">3,998</font></font></p></td><td
style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">4,200</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">-5%</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Total other loans originated for investment</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">3,091,492</font></font></p></td><td
style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">3,195,864</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">-3%</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>Total Loans Originated for Investment</b></font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 2pt double; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR:
black">$12,854,628</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 2pt double; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">$10,598,065</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">21%</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td></tr></table></div></div><p> </p><div><div><table style="BORDER-TOP-COLOR: ; BORDER-COLLAPSE: collapse; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; BORDER-RIGHT-COLOR: " cellspacing="0" cellpadding="0" border="0"><tr><td colspan="11" style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">The following table provides certain information about the Company&#39;s multi-family and CRE loan portfolios at the respective dates:</font></font></p></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt;
BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td colspan="3" style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>December 31, 2020</b></font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td colspan="5" style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>At or For the Three Months Ended</b></font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td colspan="3" style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>compared to</b></font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>December 31,</b></font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>September 30,</b></font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>December 31,</b></font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>September 30,</b></font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>December 31,</b></font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>2020</b></font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>2020</b></font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>2019</b></font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>2020</b></font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>2019</b></font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">(in thousands)</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>Multi-Family Loan Portfolio:</b></font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">&#160;&#160;&#160;&#160; Loans outstanding</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">$32,261,123</font></font></p></td><td
style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">$32,124,324</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">$31,182,079</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">0%</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">3%</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">&#160;&#160;&#160;&#160; Percent of total held-for-investment loans</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR:
black">75.2%</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">75.0%</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">74.4%</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">22</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">bp</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom;
BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">83</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">bp</font></font></p></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ;
PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">&#160;&#160;&#160;&#160; Average principal balance</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">$6,554</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ;
PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">$6,569</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">$6,381</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">0%</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">3%</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">&#160;&#160;&#160;&#160; Weighted average life (in years)</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">2.3</font></font></p></td><td
style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">2.0</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">2.0</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">15%</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">15%</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>Commercial Real Estate Loan Portfolio:</b></font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">&#160;&#160;&#160;&#160; Loans outstanding</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">$6,839,075</font></font></p></td><td
style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">$6,887,918</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">$7,084,499</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">-1%</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">-3%</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">&#160;&#160;&#160;&#160; Percent of total held-for-investment loans</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR:
black">15.9%</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">16.1%</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">16.9%</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">-13</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">bp</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom;
BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">-95</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">bp</font></font></p></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ;
PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">&#160;&#160;&#160;&#160; Average principal balance</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">$6,716</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ;
PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">$6,653</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">$6,564</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">1%</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">2%</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">&#160;&#160;&#160;&#160; Weighted average life (in years)</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">2.4</font></font></p></td><td
style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">2.3</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">2.3</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">4%</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">4%</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td></tr></table></div></div><p style="TEXT-ALIGN: center"> </p><p style="TEXT-ALIGN: center"><b>NEW YORK COMMUNITY BANCORP, INC.
<br /></b><b>SUPPLEMENTAL FINANCIAL INFORMATION (continued)</b></p><div><div><table style="BORDER-TOP-COLOR: ; BORDER-COLLAPSE: collapse; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; BORDER-RIGHT-COLOR: " cellspacing="0" cellpadding="0" border="0"><tr><td colspan="10" style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>ASSET QUALITY SUMMARY</b></font></font></p></td></tr><tr><td colspan="10" style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p
style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">(unaudited)</font></font></p></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td></tr><tr><td colspan="10" style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: left; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">The following table presents the Company&#39;s non-performing loans and assets at the respective dates:</font></font></p></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td colspan="3" style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>December 31, 2020</b></font></font></p></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td colspan="3" style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>compared to</b></font></font></p></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>December 31,</b></font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>September 30,</b></font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>December 31,</b></font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>September 30,</b></font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>December 31,</b></font></font></p></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">(in thousands)</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ;
VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>2020</b></font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>2020</b></font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>2019</b></font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>2020</b></font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>2019</b></font></font></p></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>Non-Performing Assets:</b></font></font></p></td><td
nowrap="nowrap" style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Non-accrual mortgage loans:</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">&#160;&#160;&#160;&#160; Multi-family</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">$ &#160; &#160; &#160; &#160; &#160; &#160; &#160;
&#160; &#160; &#160; &#160; &#160;4,068</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">$ &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160;4,068</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">$ &#160; &#160; &#160; &#160; &#160; &#160; &#160; 5,407</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">0%</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">-25%</font></font></p></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">&#160;&#160;&#160;&#160; Commercial real estate</font></font></p></td><td
nowrap="nowrap" style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">12,142</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">12,673</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">14,830</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">-4%</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">-18%</font></font></p></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">&#160;&#160;&#160;&#160; One-to-four family residential</font></font></p></td><td
nowrap="nowrap" style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">1,696</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">1,706</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">1,730</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">-1%</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">-2%</font></font></p></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">&#160;&#160;&#160;&#160; Acquisition, development, and
construction</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">-</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">-</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">-</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">NM</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">NM</font></font></p></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Total non-accrual mortgage loans</font></font></p></td><td nowrap style="BORDER-TOP: black;
VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">17,906</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP: black; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">18,447</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP: black; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">21,967</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">-3%</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">-18%</font></font></p></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Other non-accrual loans (1)</font></font></p></td><td nowrap
style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">19,879</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">26,904</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">39,276</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">-26%</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">-49%</font></font></p></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Total non-performing loans</font></font></p></td><td nowrap
style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">37,785</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">45,351</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">61,243</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">-17%</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">-38%</font></font></p></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Repossessed assets (2)</font></font></p></td><td nowrap
style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">8,318</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">9,526</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">12,268</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">-13%</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">-32%</font></font></p></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Total non-performing assets</font></font></p></td><td nowrap
style="BORDER-TOP: black; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 2pt double; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">$ &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160;46,103</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP: black; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 2pt double; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">$ &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160;54,877</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP: black; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 2pt double; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">$ &#160; &#160; &#160; &#160; &#160; &#160; 73,511</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">-16%</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">-37%</font></font></p></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td></tr><tr><td colspan="10" style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">(1) Includes $18.6 million, $24.4 million and $30.4 million of non-accrual taxi medallion-related loans at December 31, 2020,&#160;September 30, 2020 and December 31, 2019, respectively.</font></font></p></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 24px; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td></tr><tr><td colspan="10" style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">(2) Includes $6.5 million, $7.6 million and $10.3 million of repossessed taxi medallions at December 31, 2020, September 30, 2020 and December 31, 2019,&#160;respectively.</font></font></p></td></tr><tr><td colspan="10" style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td></tr><tr><td colspan="10" style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 24px; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td></tr><tr><td colspan="10" style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">The following table presents the Company&#39;s asset quality measures at the respective dates:</font></font></p></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td colspan="3" style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>December 31,</b></font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>September 30,</b></font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>December 31,</b></font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>2020</b></font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>2020</b></font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>2019</b></font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Non-performing loans to total loans</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">0.09%</font></font></p></td><td
style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">0.11%</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">0.15%</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Non-performing assets to total assets</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">0.08</font></font></p></td><td
style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">0.10</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">0.14</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Allowance for losses on loans to non-performing loans</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">513.55</font></font></p></td><td
style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">415.22</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">241.07</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Allowance for losses on loans to total loans</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">0.45</font></font></p></td><td
style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">0.44</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">0.35</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td></tr></table></div></div><p> </p><div><div><table style="BORDER-TOP-COLOR: ; BORDER-COLLAPSE: collapse; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; BORDER-RIGHT-COLOR: " cellspacing="0" cellpadding="0" border="0"><tr><td colspan="10" style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: left; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">The following table presents the Company&#39;s loans 30 to 89 days past due at the respective dates:</font></font></p></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt;
BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td colspan="3" style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>December 31, 2020</b></font></font></p></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td colspan="3" style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>compared to</b></font></font></p></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>December 31,</b></font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>September 30,</b></font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>December 31,</b></font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>September 30,</b></font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>December 31,</b></font></font></p></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>2020</b></font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>2020</b></font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>2019</b></font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>2020</b></font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>2019</b></font></font></p></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">(in thousands)</font></font></p></td><td nowrap
style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>Loans 30 to 89 Days Past Due:</b></font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">&#160;&#160;&#160;&#160; Multi-family</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">$ &#160; &#160; &#160; &#160; &#160; &#160; &#160;
4,091</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">$ &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160;378</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">$ &#160; &#160; &#160; &#160; &#160; &#160; &#160; 1,131</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">982%</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">262%</font></font></p></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">&#160;&#160;&#160;&#160;Commercial real estate</font></font></p></td><td
nowrap="nowrap" style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">9,989</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">2,617</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">2,545</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">282%</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">292%</font></font></p></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">&#160;&#160;&#160;&#160; One-to-four family residential</font></font></p></td><td
nowrap="nowrap" style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">1,575</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">2,078</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">-</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">-24%</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">NM</font></font></p></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">&#160;&#160;&#160;&#160;Acquisition, development, and construction</font></font></p></td><td nowrap
style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">-</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">-</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">-</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">NM</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">NM</font></font></p></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">&#160;&#160;&#160;&#160; Other (1)</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ;
VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">3</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">56</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">44</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">-95%</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">-93%</font></font></p></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Total loans 30 to 89 days past due</font></font></p></td><td nowrap
style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 2pt double; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">$ &#160; &#160; &#160; &#160; &#160; &#160; 15,658</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 2pt double; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">$ &#160; &#160; &#160; &#160; &#160; &#160; &#160; 5,129</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 2pt double; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">$ &#160; &#160; &#160; &#160; &#160; &#160; &#160; 3,720</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">205%</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">321%</font></font></p></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td></tr><tr><td colspan="10" style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">(1) Does not include any taxi medallion loans at the respective dates.</font></font></p></td></tr></table></div></div><p style="TEXT-ALIGN: center"> </p><p style="TEXT-ALIGN: center"><b>NEW YORK COMMUNITY BANCORP, INC.
<br /></b><b>SUPPLEMENTAL FINANCIAL INFORMATION (continued)</b></p><div><div><table style="BORDER-TOP-COLOR: ; BORDER-COLLAPSE: collapse; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; BORDER-RIGHT-COLOR: " cellspacing="0" cellpadding="0" border="0"><tr><td colspan="10" style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">The following table summarizes the Company&#39;s net charge-offs (recoveries) for the respective periods:</font></font></p></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt;
BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td colspan="5" style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>For the Three Months Ended</b></font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td colspan="3" style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>For the Twelve Months Ended</b></font></font></p></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>December 31,</b></font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>September 30,</b></font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>December 31,</b></font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>December 31,</b></font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>December 31,</b></font></font></p></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>2020</b></font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>2020</b></font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>2019</b></font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>2020</b></font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: center; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>2019</b></font></font></p></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">(in thousands)</font></font></p></td><td nowrap
style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>Charge-offs:</b></font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">&#160;&#160;&#160;&#160; Multi-family</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">$ &#160; &#160; &#160; &#160; &#160; &#160; &#160;
&#160; &#160; &#160; &#160; -</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">$ &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; -</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">$ &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160;222</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">$ &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; -</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">$ &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160;659</font></font></p></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR:
black">&#160;&#160;&#160;&#160;Commercial real estate</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">1,870</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">-</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">-</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">1,870</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">-</font></font></p></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">&#160;&#160;&#160;&#160; One-to-four family residential</font></font></p></td><td
nowrap="nowrap" style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">-</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">2</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">5</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">2</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">954</font></font></p></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Acquisition, development, and construction</font></font></p></td><td
style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">-</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">-</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">-</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">-</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">-</font></font></p></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">&#160;&#160;&#160;&#160; Other (1)</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ;
VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">4,908</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">1,075</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">3,684</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">20,306</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">18,694</font></font></p></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Total charge-offs</font></font></p></td><td nowrap
style="BORDER-TOP: black; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">$ &#160; &#160; &#160; &#160; &#160; &#160; &#160; 6,778</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP: black; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">$ &#160; &#160; &#160; &#160; &#160; &#160; &#160; 1,077</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP: black; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">$ &#160; &#160; &#160; &#160; &#160; &#160; &#160; 3,911</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP: black 1pt solid; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">$ &#160; &#160; &#160; &#160; &#160; &#160; 22,178</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP: black; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">$ &#160; &#160; &#160; &#160; &#160; &#160; 20,307</font></font></p></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black"><b>Recoveries:</b></font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">&#160;&#160;&#160;&#160; Multi-family</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">$ &#160; &#160; &#160; &#160; &#160; &#160; &#160;
&#160; &#160; &#160; &#160; -</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 10pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">$ &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; (755)</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">$ &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; -</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 10pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">$ &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; (755)</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">$ &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; -</font></font></p></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR:
black">&#160;&#160;&#160;&#160;Commercial real estate</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 10pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">(354)</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">-</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">-</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 10pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">(354)</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">-</font></font></p></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">&#160;&#160;&#160;&#160; One-to-four family residential</font></font></p></td><td
nowrap="nowrap" style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">-</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">-</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">-</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">-</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">-</font></font></p></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Acquisition, development, and construction</font></font></p></td><td
style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 10pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">(1)</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 10pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">(2)</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 10pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">(18)</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 10pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">(63)</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 10pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">(61)</font></font></p></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">&#160;&#160;&#160;&#160; Other (1)</font></font></p></td><td nowrap style="BORDER-TOP-COLOR:
; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 10pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">(717)</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 10pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">(1,221)</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 10pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">(397)</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 10pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">(2,221)</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 10pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">(959)</font></font></p></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Total recoveries</font></font></p></td><td nowrap
style="BORDER-TOP: black; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 10pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">(1,072)</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP: black; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 10pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">(1,978)</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP: black; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 10pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">(415)</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP: black 1pt solid; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 10pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">(3,393)</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP: black; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 1pt solid; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 10pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">(1,020)</font></font></p></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Net charge-offs&#160;</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 2pt double; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">$ &#160; &#160; &#160; &#160; &#160; &#160; &#160;
5,706</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 2pt double; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 10pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">$ &#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160; (901)</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 2pt double; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">$ &#160; &#160; &#160; &#160; &#160; &#160; &#160; 3,496</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 2pt double; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">$ &#160; &#160; &#160; &#160; &#160; &#160; 18,785</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 2pt double; BORDER-LEFT-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">$ &#160; &#160; &#160; &#160; &#160; &#160; 19,287</font></font></p></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">Net charge-offs to average loans (2)</font></font></p></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">0.01%</font></font></p></td><td
style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">0.00%</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">0.01%</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">0.04%</font></font></p></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; MARGIN-BOTTOM: 0in; FONT-FAMILY: Arial; MARGIN-TOP: 0in; COLOR: black"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">0.05%</font></font></p></td></tr><tr><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 12pt">
<br /></td></tr></table></div></div>
<br /><div><div><table style="BORDER-TOP-COLOR: ; BORDER-COLLAPSE: collapse; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; BORDER-RIGHT-COLOR: " cellspacing="0" cellpadding="0" border="0"><tr><td colspan="10" style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: left; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">(1) Includes taxi medallion loans of $3.3 million, $(1.2) million, and $3.4 million, respectively, for the three months ended December 31, 2020, September 30, 2020, and December 31, 2019 and $11.9 million and $10.2 million, respectively, for the twelve months ended December 31, 2020 and
2019.</font></font></p></td></tr><tr><td colspan="6" style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: left; PADDING-LEFT: 24px; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td><td nowrap style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; TEXT-ALIGN: right; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt">
<br /></td></tr><tr><td colspan="10" style="BORDER-TOP-COLOR: ; VERTICAL-ALIGN: bottom; BORDER-LEFT-COLOR: ; BORDER-BOTTOM-COLOR: ; PADDING-LEFT: 6pt; BORDER-RIGHT-COLOR: ; PADDING-RIGHT: 6pt"><p style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black; MARGIN: 0in"><font style="font-family:Arial;font-size:8pt;color:black"><font style="FONT-SIZE: 8pt; FONT-FAMILY: Arial; COLOR: black">(2) Three months ended presented on a non-annualized basis.</font></font></p></td></tr></table></div></div>
    <p><a href="g118686logo.jpg"><img src="g118686logo.jpg" title="new_york_community_bancorp_l.jpg" width="400" height="139" border="0"></a></p>
    <p> </p>
<br /><br /></div></div></body></html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>3
<FILENAME>g118686logo.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 g118686logo.jpg
M_]C_X  02D9)1@ ! 0$ 8 !@  #_X0!:17AI9@  34T *@    @ !0,!  4
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M 0$  P # 0               04& @,$!__$ #L1  (! P$#!PD&!P$
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MS QG.3GJ5OU)>![=4WT_=0Q6#!@QHRJ#!@P8 ,&#!@ P8,& #!@P8 ,&#!@
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M@1ZNN- NG293INK.T\TZ4&853A+=8K+.VPGH4RIM#WV5)*03],G;Q3UK_P!
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MX]> ,X,>/:)]>,]HGUC &<&,%8 WWZ8.<>O &<&/'MD;[<PW/MQGM$[;[C;
M&<&,=H-N_ E04.F .6KACCFTCYW>UM?^'O86_3WIXMS-*##J%RYF6=9U-[?L
MGXLM]9J)0G;<H;Y>4!0[B5?&,,APQ_G1,[OL:_\ #WL(NR?F"!]:/R8S%C3G
M4N;J$)<WTEM^!=UYJ-&EE9V%@&N.V<I=3='MMVWLV[)H]5M>*:>PW,EJ4Q(C
M].5!*1S)4DI&RMB"">F$3N^WT6I=$^FHJ%.JR(+RF4S(#A<BR@/IVU$ J2?
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M<(W43:&MW.;-_,BCU45.5:"Z=EY2&5)V\SI,6,AXOH]8ES%R%D[?!CMCKRC
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M\^J[J.BNQ"MDM)/@IQ7H@^ YCX8MK#5)RVLI0;9CTNB4*&I0;:2$-18[2"2
M/ !*3A6>#E8K-$T^UNO<@\ZKM86T5[=2TPA*4CXN92S\>):U^W"Y;6C?,"0R
MHH==IOFJ5#O!=<0W^11^_C"\H[R=[JBL\^C%J/Q>]EYIM&-"U\LM[395SJ1S
M_JNI+-NIW-5'7.R?<+<",5>A"C _,VDCPZ=2?%1).-"QE0 .PZ 8QCZM1I1H
MTU2IK"CL1E:DW.3;-[TY:@*UILS3I]RTAU?*RM+<Z+S$-SXV_IM+'CT[CWI4
M 1B8N*]<,6[=0]"JT!SMH54M:#+CK_WFW"ZM)^\?RX6+OQ]VWK:N7-:J-PZ7
M!K5QS(<<!#$=IR4XRRD@#9(W*4 J V&P!5[<>&M8TE<QO-B:33[4_P#!W1KR
M\FZ.]-ICR<%!Y:K3S#;*E=FF="4$[^B"6G-^GK.P_L]6)_X@QVT89A?S9_\
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M5-]/W43/G!_!5<O\TR_S"\0CPDF@]PQLC$E(4#95.W![E#L1TQ\SB\:AK]R
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M$S(J-PU&G4J\>5ININNK;IDTR)2'(S 7T;;#"&/01LG8(.W7<CC@M,P8,&!
M8,&# !@P8, &#!@P 8,&# !@P8, &#!@P!R;\/+5+8&1.5=[V_?+]2;;N:2W
MRM1H;CP=8,=;3@*D]4GTMON[XV$5K1@  *-<W3ZV=^GB_'WB#2#]06Q_Q;WZ
MS![P_I!^H+8_XM[]9BBK:#3G6E6C4E%RWX>"SIZE*,%!Q3QV%!WNUHQ_B:Y_
MP9WZ>#W:T8_Q-<_X,[]/%^/O#^D'Z@MC_BWOUF#WA_2#]06Q_P 6]^LQQZ 7
MMI_,3TD_R1_8H.]VM&/\37/^#._3P>[6C'^)KG_!G?IXOQ]X?T@_4%L?\6]^
MLP>\/Z0?J"V/^+>_68= 1]M/YATD_P D?V*#O=K1C_$US_@SOT\9]V]&7\3W
M/^#._3Q?A[P_I!^H+8_XM[]9@]X?T@_4%L?\6]^LPZ C[:?S#I)_DC^Q0?[M
M:,?XGN?\&=^G@]VM&/\ $]S_ (,[]/%^'O#^D'Z@MC_BWOUF#WA_2#]06Q_Q
M;WZS$= 1]M/YO]#I)_DC^Q0=[M:,?XFN?\&=^GC/NUHQ!W]QKFZ?6SOT\7X>
M\/Z0?J"V/^+>_68/>(-(/U!;'_%O?K,3T!'VT_F"U+^B/[%!NJC55E#7]&CN
M6^7:ZPTF+(C+A19,)X)0A#_:KW<7N?$]YQT/<)3T>&?D4""#^PJF?F!C4_>(
M-(6W\ MD?@/?K,,MEKEM0LG;&I%JVQ38]&MZWXK<&G06-^RB,(3LAM.Y)V Z
M=^/?IVG4[.FZ=-MY;;SUL\MU=2KR4I<#[K\=N4CE<0AQ.X.R@"-QW''A*@,S
MF^1]IIY([@M 4!]_'NP8L#RG@Q'1&;2AM*4(2-@E(V"1[ ,>>V#!@ P8,& /
M2N$VJ4'^S;[8(* LI',$D[[;]^VX!VQZ:Q0HEP0'(L^+&FQG>BV7VDNMK^-*
M@0?NX_9@P!Z*?3F*9%;98998992$-MMH"$MCU #H!\6/SUZV8%T1/-ZE!A5"
M-S!?926$/("AW'90(W]N/WX, >MAA,9M"$)2A" $A(&P2!W #P&/9M@P8 _$
MJWX2ZVFHF%$-00WV*91927@V3OR!>W-R[^&^V/VX,& (?UHY'71J1RQ@650J
MK3:+0Z]58[-VR7TK5*=HR25R(T4)Z!U\I0R5*.R6W'"-U;8EYMI+324)2E*4
M@ ) V  \,>6#  0#[<&#!@#U+BMNOMN+;0I;1)0HI!*"1L=CX=.G3&)T%FHQ
M5L/M-/LNI*%MN)"D+![P0>A'LQ[L& /Q4F@0[?@HBP(<6'&;^ RPTEIM'Q)2
M !]['OBP&H;CJFFFFR\KM'"A(!6K8#<[=YV ZGU8]V# !@P8, &#!@P 8,&#
5 !@P8, &#!@P 8,&# !@P8, ?__9

end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-101.SCH
<SEQUENCE>4
<FILENAME>nycb-20210127.xsd
<DESCRIPTION>XBRL TAXONOMY EXTENSION SCHEMA
<TEXT>
<XBRL>
<?xml version="1.0" encoding="us-ascii"?>
<!-- DFIN ActiveDisclosure(SM) XBRL Schema Document - http://www.dfinsolutions.com/ -->
<!-- Creation Date      : 2021-01-27T01:16:23.4530293+00:00 -->
<!-- Version            : 5.0.1.571 -->
<!-- Package ID         : 14863761b22f4b1fb9f5d8ee7df4dc1e -->
<!-- Copyright (c) 2021 Donnelley Financial Solutions, Inc. All Rights Reserved. -->
<xsd:schema xmlns:nonnum="http://www.xbrl.org/dtr/type/non-numeric" xmlns:dei="http://xbrl.sec.gov/dei/2020-01-31" xmlns:num="http://www.xbrl.org/dtr/type/numeric" xmlns:us-types="http://fasb.org/us-types/2020-01-31" xmlns:stpr="http://xbrl.sec.gov/stpr/2018-01-31" xmlns:srt-types="http://fasb.org/srt-types/2020-01-31" xmlns:sic="http://xbrl.sec.gov/sic/2020-01-31" xmlns:nycb="http://www.mynycb.com/20210127" xmlns:xbrldt="http://xbrl.org/2005/xbrldt" xmlns:srt="http://fasb.org/srt/2020-01-31" xmlns:us-gaap="http://fasb.org/us-gaap/2020-01-31" xmlns:naics="http://xbrl.sec.gov/naics/2017-01-31" xmlns:xbrli="http://www.xbrl.org/2003/instance" xmlns:country="http://xbrl.sec.gov/country/2020-01-31" xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:currency="http://xbrl.sec.gov/currency/2020-01-31" xmlns:exch="http://xbrl.sec.gov/exch/2020-01-31" attributeFormDefault="unqualified" elementFormDefault="qualified" targetNamespace="http://www.mynycb.com/20210127" xmlns:xsd="http://www.w3.org/2001/XMLSchema">
  <xsd:import schemaLocation="http://www.xbrl.org/2003/xbrl-instance-2003-12-31.xsd" namespace="http://www.xbrl.org/2003/instance" />
  <xsd:import schemaLocation="http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd" namespace="http://www.xbrl.org/2003/linkbase" />
  <xsd:import schemaLocation="http://www.xbrl.org/2005/xbrldt-2005.xsd" namespace="http://xbrl.org/2005/xbrldt" />
  <xsd:import schemaLocation="https://xbrl.sec.gov/country/2020/country-2020-01-31.xsd" namespace="http://xbrl.sec.gov/country/2020-01-31" />
  <xsd:import schemaLocation="https://xbrl.sec.gov/currency/2020/currency-2020-01-31.xsd" namespace="http://xbrl.sec.gov/currency/2020-01-31" />
  <xsd:import schemaLocation="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd" namespace="http://xbrl.sec.gov/dei/2020-01-31" />
  <xsd:import schemaLocation="http://www.xbrl.org/dtr/type/nonNumeric-2009-12-16.xsd" namespace="http://www.xbrl.org/dtr/type/non-numeric" />
  <xsd:import schemaLocation="http://www.xbrl.org/dtr/type/numeric-2009-12-16.xsd" namespace="http://www.xbrl.org/dtr/type/numeric" />
  <xsd:import schemaLocation="https://xbrl.sec.gov/exch/2020/exch-2020-01-31.xsd" namespace="http://xbrl.sec.gov/exch/2020-01-31" />
  <xsd:import schemaLocation="http://www.xbrl.org/lrr/arcrole/factExplanatory-2009-12-16.xsd" namespace="http://www.xbrl.org/2009/arcrole/fact-explanatoryFact" />
  <xsd:import schemaLocation="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd" namespace="http://www.xbrl.org/2009/role/negated" />
  <xsd:import schemaLocation="http://www.xbrl.org/lrr/role/net-2009-12-16.xsd" namespace="http://www.xbrl.org/2009/role/net" />
  <xsd:import schemaLocation="https://xbrl.sec.gov/naics/2017/naics-2017-01-31.xsd" namespace="http://xbrl.sec.gov/naics/2017-01-31" />
  <xsd:import schemaLocation="https://xbrl.sec.gov/sic/2020/sic-2020-01-31.xsd" namespace="http://xbrl.sec.gov/sic/2020-01-31" />
  <xsd:import schemaLocation="http://xbrl.fasb.org/srt/2020/elts/srt-2020-01-31.xsd" namespace="http://fasb.org/srt/2020-01-31" />
  <xsd:import schemaLocation="http://xbrl.fasb.org/srt/2020/elts/srt-roles-2020-01-31.xsd" namespace="http://fasb.org/srt-roles/2020-01-31" />
  <xsd:import schemaLocation="http://xbrl.fasb.org/srt/2020/elts/srt-types-2020-01-31.xsd" namespace="http://fasb.org/srt-types/2020-01-31" />
  <xsd:import schemaLocation="https://xbrl.sec.gov/stpr/2018/stpr-2018-01-31.xsd" namespace="http://xbrl.sec.gov/stpr/2018-01-31" />
  <xsd:import schemaLocation="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd" namespace="http://fasb.org/us-gaap/2020-01-31" />
  <xsd:import schemaLocation="http://xbrl.fasb.org/us-gaap/2020/elts/us-roles-2020-01-31.xsd" namespace="http://fasb.org/us-roles/2020-01-31" />
  <xsd:import schemaLocation="http://xbrl.fasb.org/us-gaap/2020/elts/us-types-2020-01-31.xsd" namespace="http://fasb.org/us-types/2020-01-31" />
  <xsd:annotation>
    <xsd:appinfo>
      <link:roleType id="TemplateLink" roleURI="http://www.mynycb.com/20210127/role/TemplateLink" xmlns:link="http://www.xbrl.org/2003/linkbase">
        <link:definition>00000 - Document - Template Link</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:linkbaseRef xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:href="nycb-20210127_def.xml" xlink:role="http://www.xbrl.org/2003/role/definitionLinkbaseRef" xlink:title="Definition Links, all" xlink:type="simple" />
      <link:linkbaseRef xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:href="nycb-20210127_lab.xml" xlink:role="http://www.xbrl.org/2003/role/labelLinkbaseRef" xlink:title="Label Links, all" xlink:type="simple" />
      <link:linkbaseRef xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:href="nycb-20210127_pre.xml" xlink:role="http://www.xbrl.org/2003/role/presentationLinkbaseRef" xlink:title="Presentation Links, all" xlink:type="simple" />
      <link:roleType roleURI="http://www.mynycb.com/20210127/taxonomy/role/DocumentDocumentAndEntityInformation" id="Role_DocumentDocumentAndEntityInformation">
        <link:definition>100000 - Document - Document and Entity Information</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
    </xsd:appinfo>
  </xsd:annotation>
  <xsd:element id="nycb_BifurcatedOptionNotesUnitSecuritiesMember" name="BifurcatedOptionNotesUnitSecuritiesMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="nycb_FixedToFloatingRateSeriesANoncumulativePerpetualPreferredStockMember" name="FixedToFloatingRateSeriesANoncumulativePerpetualPreferredStockMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
</xsd:schema>
</XBRL>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-101.DEF
<SEQUENCE>5
<FILENAME>nycb-20210127_def.xml
<DESCRIPTION>XBRL TAXONOMY EXTENSION DEFINITION LINKBASE
<TEXT>
<XBRL>
<?xml version="1.0" encoding="us-ascii"?>
<!-- DFIN ActiveDisclosure(SM) XBRL Linkbase Document - http://www.dfinsolutions.com/ -->
<!-- Creation Date      : 2021-01-27T01:16:23.4530293+00:00 -->
<!-- Version            : 5.0.1.571 -->
<!-- Package ID         : 14863761b22f4b1fb9f5d8ee7df4dc1e -->
<!-- Copyright (c) 2021 Donnelley Financial Solutions, Inc. All Rights Reserved. -->
<link:linkbase xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:xbrldt="http://xbrl.org/2005/xbrldt" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xsi:schemaLocation="http://www.xbrl.org/2003/linkbase http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd">
  <link:arcroleRef xlink:type="simple" xlink:href="http://www.xbrl.org/2005/xbrldt-2005.xsd#all" arcroleURI="http://xbrl.org/int/dim/arcrole/all" />
  <link:arcroleRef xlink:type="simple" xlink:href="http://www.xbrl.org/2005/xbrldt-2005.xsd#dimension-default" arcroleURI="http://xbrl.org/int/dim/arcrole/dimension-default" />
  <link:arcroleRef xlink:type="simple" xlink:href="http://www.xbrl.org/2005/xbrldt-2005.xsd#dimension-domain" arcroleURI="http://xbrl.org/int/dim/arcrole/dimension-domain" />
  <link:arcroleRef xlink:type="simple" xlink:href="http://www.xbrl.org/2005/xbrldt-2005.xsd#domain-member" arcroleURI="http://xbrl.org/int/dim/arcrole/domain-member" />
  <link:arcroleRef xlink:type="simple" xlink:href="http://www.xbrl.org/2005/xbrldt-2005.xsd#hypercube-dimension" arcroleURI="http://xbrl.org/int/dim/arcrole/hypercube-dimension" />
  <link:roleRef xlink:type="simple" xlink:href="nycb-20210127.xsd#TemplateLink" roleURI="http://www.mynycb.com/20210127/role/TemplateLink" />
  <link:roleRef roleURI="http://www.mynycb.com/20210127/taxonomy/role/DocumentDocumentAndEntityInformation" xlink:href="nycb-20210127.xsd#Role_DocumentDocumentAndEntityInformation" xlink:type="simple" />
  <link:definitionLink xlink:type="extended" xlink:role="http://www.mynycb.com/20210127/taxonomy/role/DocumentDocumentAndEntityInformation">
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_SecurityExchangeName" xlink:type="locator" xlink:label="dei_SecurityExchangeName" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_TradingSymbol" xlink:type="locator" xlink:label="dei_TradingSymbol" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_Security12bTitle" xlink:type="locator" xlink:label="dei_Security12bTitle" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_EntityEmergingGrowthCompany" xlink:type="locator" xlink:label="dei_EntityEmergingGrowthCompany" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_PreCommencementIssuerTenderOffer" xlink:type="locator" xlink:label="dei_PreCommencementIssuerTenderOffer" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_PreCommencementTenderOffer" xlink:type="locator" xlink:label="dei_PreCommencementTenderOffer" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_SolicitingMaterial" xlink:type="locator" xlink:label="dei_SolicitingMaterial" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_WrittenCommunications" xlink:type="locator" xlink:label="dei_WrittenCommunications" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_LocalPhoneNumber" xlink:type="locator" xlink:label="dei_LocalPhoneNumber" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_CityAreaCode" xlink:type="locator" xlink:label="dei_CityAreaCode" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_EntityAddressPostalZipCode" xlink:type="locator" xlink:label="dei_EntityAddressPostalZipCode" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_EntityAddressStateOrProvince" xlink:type="locator" xlink:label="dei_EntityAddressStateOrProvince" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_EntityAddressCityOrTown" xlink:type="locator" xlink:label="dei_EntityAddressCityOrTown" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_EntityAddressAddressLine1" xlink:type="locator" xlink:label="dei_EntityAddressAddressLine1" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_EntityTaxIdentificationNumber" xlink:type="locator" xlink:label="dei_EntityTaxIdentificationNumber" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_EntityFileNumber" xlink:type="locator" xlink:label="dei_EntityFileNumber" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_EntityIncorporationStateCountryCode" xlink:type="locator" xlink:label="dei_EntityIncorporationStateCountryCode" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_DocumentPeriodEndDate" xlink:type="locator" xlink:label="dei_DocumentPeriodEndDate" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_DocumentType" xlink:type="locator" xlink:label="dei_DocumentType" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_EntityCentralIndexKey" xlink:type="locator" xlink:label="dei_EntityCentralIndexKey" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_AmendmentFlag" xlink:type="locator" xlink:label="dei_AmendmentFlag" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_EntityRegistrantName" xlink:type="locator" xlink:label="dei_EntityRegistrantName" />
    <link:loc xlink:href="nycb-20210127.xsd#nycb_FixedToFloatingRateSeriesANoncumulativePerpetualPreferredStockMember" xlink:type="locator" xlink:label="nycb_FixedToFloatingRateSeriesANoncumulativePerpetualPreferredStockMember" />
    <link:loc xlink:href="nycb-20210127.xsd#nycb_BifurcatedOptionNotesUnitSecuritiesMember" xlink:type="locator" xlink:label="nycb_BifurcatedOptionNotesUnitSecuritiesMember" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_CommonStockMember" xlink:type="locator" xlink:label="us-gaap_CommonStockMember" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_ClassOfStockDomain" xlink:type="locator" xlink:label="us-gaap_ClassOfStockDomain" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_ClassOfStockDomain" xlink:type="locator" xlink:label="us-gaap_ClassOfStockDomain_2" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_StatementClassOfStockAxis" xlink:type="locator" xlink:label="us-gaap_StatementClassOfStockAxis" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_DocumentInformationTable" xlink:type="locator" xlink:label="dei_DocumentInformationTable" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_DocumentInformationLineItems" xlink:type="locator" xlink:label="dei_DocumentInformationLineItems" />
    <link:definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="dei_DocumentInformationLineItems" xlink:to="dei_DocumentInformationTable" order="10010.00" priority="2" use="optional" xbrldt:contextElement="segment" xbrldt:closed="true" />
    <link:definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="dei_DocumentInformationTable" xlink:to="us-gaap_StatementClassOfStockAxis" order="10040.00" priority="2" use="optional" />
    <link:definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="us-gaap_StatementClassOfStockAxis" xlink:to="us-gaap_ClassOfStockDomain_2" order="10050.00" priority="2" use="optional" />
    <link:definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="us-gaap_StatementClassOfStockAxis" xlink:to="us-gaap_ClassOfStockDomain" order="10070.00" priority="2" use="optional" />
    <link:definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="us-gaap_ClassOfStockDomain" xlink:to="us-gaap_CommonStockMember" order="10090.00" priority="2" use="optional" />
    <link:definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="us-gaap_ClassOfStockDomain" xlink:to="nycb_BifurcatedOptionNotesUnitSecuritiesMember" order="10110.00" priority="2" use="optional" />
    <link:definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="us-gaap_ClassOfStockDomain" xlink:to="nycb_FixedToFloatingRateSeriesANoncumulativePerpetualPreferredStockMember" order="10130.00" priority="2" use="optional" />
    <link:definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="dei_DocumentInformationLineItems" xlink:to="dei_EntityRegistrantName" order="10160.00" priority="2" use="optional" />
    <link:definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="dei_DocumentInformationLineItems" xlink:to="dei_AmendmentFlag" order="10240.00" priority="2" use="optional" />
    <link:definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="dei_DocumentInformationLineItems" xlink:to="dei_EntityCentralIndexKey" order="10320.00" priority="2" use="optional" />
    <link:definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="dei_DocumentInformationLineItems" xlink:to="dei_DocumentType" order="10400.00" priority="2" use="optional" />
    <link:definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="dei_DocumentInformationLineItems" xlink:to="dei_DocumentPeriodEndDate" order="10480.00" priority="2" use="optional" />
    <link:definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="dei_DocumentInformationLineItems" xlink:to="dei_EntityIncorporationStateCountryCode" order="10560.00" priority="2" use="optional" />
    <link:definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="dei_DocumentInformationLineItems" xlink:to="dei_EntityFileNumber" order="10640.00" priority="2" use="optional" />
    <link:definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="dei_DocumentInformationLineItems" xlink:to="dei_EntityTaxIdentificationNumber" order="10720.00" priority="2" use="optional" />
    <link:definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="dei_DocumentInformationLineItems" xlink:to="dei_EntityAddressAddressLine1" order="10800.00" priority="2" use="optional" />
    <link:definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="dei_DocumentInformationLineItems" xlink:to="dei_EntityAddressCityOrTown" order="10880.00" priority="2" use="optional" />
    <link:definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="dei_DocumentInformationLineItems" xlink:to="dei_EntityAddressStateOrProvince" order="10960.00" priority="2" use="optional" />
    <link:definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="dei_DocumentInformationLineItems" xlink:to="dei_EntityAddressPostalZipCode" order="11040.00" priority="2" use="optional" />
    <link:definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="dei_DocumentInformationLineItems" xlink:to="dei_CityAreaCode" order="11120.00" priority="2" use="optional" />
    <link:definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="dei_DocumentInformationLineItems" xlink:to="dei_LocalPhoneNumber" order="11200.00" priority="2" use="optional" />
    <link:definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="dei_DocumentInformationLineItems" xlink:to="dei_WrittenCommunications" order="11280.00" priority="2" use="optional" />
    <link:definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="dei_DocumentInformationLineItems" xlink:to="dei_SolicitingMaterial" order="11360.00" priority="2" use="optional" />
    <link:definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="dei_DocumentInformationLineItems" xlink:to="dei_PreCommencementTenderOffer" order="11440.00" priority="2" use="optional" />
    <link:definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="dei_DocumentInformationLineItems" xlink:to="dei_PreCommencementIssuerTenderOffer" order="11520.00" priority="2" use="optional" />
    <link:definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="dei_DocumentInformationLineItems" xlink:to="dei_EntityEmergingGrowthCompany" order="11600.00" priority="2" use="optional" />
    <link:definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="dei_DocumentInformationLineItems" xlink:to="dei_Security12bTitle" order="11680.00" priority="2" use="optional" />
    <link:definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="dei_DocumentInformationLineItems" xlink:to="dei_TradingSymbol" order="11760.00" priority="2" use="optional" />
    <link:definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="dei_DocumentInformationLineItems" xlink:to="dei_SecurityExchangeName" order="11840.00" priority="2" use="optional" />
  </link:definitionLink>
</link:linkbase>
</XBRL>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-101.LAB
<SEQUENCE>6
<FILENAME>nycb-20210127_lab.xml
<DESCRIPTION>XBRL TAXONOMY EXTENSION LABEL LINKBASE
<TEXT>
<XBRL>
<?xml version="1.0" encoding="us-ascii" standalone="yes"?>
<!-- DFIN ActiveDisclosure(SM) XBRL Linkbase Document - http://www.dfinsolutions.com/ -->
<!-- Creation Date      : 2021-01-27T01:16:23.4530293+00:00 -->
<!-- Version            : 5.0.1.571 -->
<!-- Package ID         : 14863761b22f4b1fb9f5d8ee7df4dc1e -->
<!-- Copyright (c) 2021 Donnelley Financial Solutions, Inc. All Rights Reserved. -->
<link:linkbase xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xsi:schemaLocation="http://www.xbrl.org/2003/linkbase http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd">
  <link:roleRef roleURI="http://www.xbrl.org/2009/role/negatedLabel" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedLabel" xlink:type="simple" />
  <link:roleRef roleURI="http://www.xbrl.org/2009/role/negatedNetLabel" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedNetLabel" xlink:type="simple" />
  <link:roleRef roleURI="http://www.xbrl.org/2009/role/negatedPeriodEndLabel" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedPeriodEndLabel" xlink:type="simple" />
  <link:roleRef roleURI="http://www.xbrl.org/2009/role/negatedPeriodStartLabel" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedPeriodStartLabel" xlink:type="simple" />
  <link:roleRef roleURI="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedTerseLabel" xlink:type="simple" />
  <link:roleRef roleURI="http://www.xbrl.org/2009/role/negatedTotalLabel" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedTotalLabel" xlink:type="simple" />
  <link:roleRef roleURI="http://www.xbrl.org/2009/role/netLabel" xlink:href="http://www.xbrl.org/lrr/role/net-2009-12-16.xsd#netLabel" xlink:type="simple" />
  <link:roleRef roleURI="http://fasb.org/us-gaap/role/label/axisDefault" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-roles-2020-01-31.xsd#axisDefault" xlink:type="simple" />
  <link:labelLink xlink:role="http://www.xbrl.org/2003/role/link" xlink:type="extended">
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_EntityCentralIndexKey" xlink:type="locator" xlink:label="dei_EntityCentralIndexKey" />
    <link:label xml:lang="en-US" xlink:label="dei_EntityCentralIndexKey_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Entity Central Index Key</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityCentralIndexKey" xlink:to="dei_EntityCentralIndexKey_lbl" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_CoverAbstract" xlink:type="locator" xlink:label="dei_CoverAbstract" />
    <link:label xml:lang="en-US" xlink:label="dei_CoverAbstract_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Cover [Abstract]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_CoverAbstract" xlink:to="dei_CoverAbstract_lbl" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_DocumentInformationTable" xlink:type="locator" xlink:label="dei_DocumentInformationTable" />
    <link:label xml:lang="en-US" xlink:label="dei_DocumentInformationTable_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Document Information [Table]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_DocumentInformationTable" xlink:to="dei_DocumentInformationTable_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_DocumentInformationTable_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Document Information [Table]</link:label>
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_StatementClassOfStockAxis" xlink:type="locator" xlink:label="us-gaap_StatementClassOfStockAxis" />
    <link:label xml:lang="en-US" xlink:label="us-gaap_StatementClassOfStockAxis_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Class of Stock</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_StatementClassOfStockAxis" xlink:to="us-gaap_StatementClassOfStockAxis_lbl" />
    <link:label xml:lang="en-US" xlink:label="us-gaap_StatementClassOfStockAxis_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Statement Class Of Stock [Axis]</link:label>
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_ClassOfStockDomain" xlink:type="locator" xlink:label="us-gaap_ClassOfStockDomain" />
    <link:label xml:lang="en-US" xlink:label="us-gaap_ClassOfStockDomain_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Class of Stock</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ClassOfStockDomain" xlink:to="us-gaap_ClassOfStockDomain_lbl" />
    <link:label xml:lang="en-US" xlink:label="us-gaap_ClassOfStockDomain_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Class Of Stock [Domain]</link:label>
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_CommonStockMember" xlink:type="locator" xlink:label="us-gaap_CommonStockMember" />
    <link:label xml:lang="en-US" xlink:label="us-gaap_CommonStockMember_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Common Stock [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_CommonStockMember" xlink:to="us-gaap_CommonStockMember_lbl" />
    <link:label xml:lang="en-US" xlink:label="us-gaap_CommonStockMember_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Common Stock [Member]</link:label>
    <link:loc xlink:href="nycb-20210127.xsd#nycb_BifurcatedOptionNotesUnitSecuritiesMember" xlink:type="locator" xlink:label="nycb_BifurcatedOptionNotesUnitSecuritiesMember" />
    <link:label xml:lang="en-US" xlink:label="nycb_BifurcatedOptionNotesUnitSecuritiesMember_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation">Bifurcated option notes unit securities.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nycb_BifurcatedOptionNotesUnitSecuritiesMember" xlink:to="nycb_BifurcatedOptionNotesUnitSecuritiesMember_lbl" />
    <link:label xml:lang="en-US" xlink:label="nycb_BifurcatedOptionNotesUnitSecuritiesMember_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Bifurcated Option Note Unit Securities [Member]</link:label>
    <link:label xml:lang="en-US" xlink:label="nycb_BifurcatedOptionNotesUnitSecuritiesMember_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Bifurcated Option Notes Unit Securities [Member]</link:label>
    <link:loc xlink:href="nycb-20210127.xsd#nycb_FixedToFloatingRateSeriesANoncumulativePerpetualPreferredStockMember" xlink:type="locator" xlink:label="nycb_FixedToFloatingRateSeriesANoncumulativePerpetualPreferredStockMember" />
    <link:label xml:lang="en-US" xlink:label="nycb_FixedToFloatingRateSeriesANoncumulativePerpetualPreferredStockMember_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation">Fixed to floating rate series A noncumulative perpetual preferred stock.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="nycb_FixedToFloatingRateSeriesANoncumulativePerpetualPreferredStockMember" xlink:to="nycb_FixedToFloatingRateSeriesANoncumulativePerpetualPreferredStockMember_lbl" />
    <link:label xml:lang="en-US" xlink:label="nycb_FixedToFloatingRateSeriesANoncumulativePerpetualPreferredStockMember_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Fixed To Floating Rate Series A Noncumulative Perpetual Preferred Stock [Member]</link:label>
    <link:label xml:lang="en-US" xlink:label="nycb_FixedToFloatingRateSeriesANoncumulativePerpetualPreferredStockMember_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Fixed To Floating Rate Series A Noncumulative Perpetual Preferred Stock [Member]</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_DocumentInformationLineItems" xlink:type="locator" xlink:label="dei_DocumentInformationLineItems" />
    <link:label xml:lang="en-US" xlink:label="dei_DocumentInformationLineItems_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Document Information [Line Items]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_DocumentInformationLineItems" xlink:to="dei_DocumentInformationLineItems_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_DocumentInformationLineItems_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Document Information [Line Items]</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_EntityRegistrantName" xlink:type="locator" xlink:label="dei_EntityRegistrantName" />
    <link:label xml:lang="en-US" xlink:label="dei_EntityRegistrantName_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Entity Registrant Name</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityRegistrantName" xlink:to="dei_EntityRegistrantName_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_EntityRegistrantName_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Entity Registrant Name</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_AmendmentFlag" xlink:type="locator" xlink:label="dei_AmendmentFlag" />
    <link:label xml:lang="en-US" xlink:label="dei_AmendmentFlag_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Amendment Flag</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_AmendmentFlag" xlink:to="dei_AmendmentFlag_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_AmendmentFlag_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Amendment Flag</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_EntityCentralIndexKey_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel">Entity Central Index Key</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_EntityCentralIndexKey_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Entity Central Index Key</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_DocumentType" xlink:type="locator" xlink:label="dei_DocumentType" />
    <link:label xml:lang="en-US" xlink:label="dei_DocumentType_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel">Document Type</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_DocumentType" xlink:to="dei_DocumentType_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_DocumentType_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Document Type</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_DocumentPeriodEndDate" xlink:type="locator" xlink:label="dei_DocumentPeriodEndDate" />
    <link:label xml:lang="en-US" xlink:label="dei_DocumentPeriodEndDate_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Document Period End Date</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_DocumentPeriodEndDate" xlink:to="dei_DocumentPeriodEndDate_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_DocumentPeriodEndDate_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Document Period End Date</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_EntityIncorporationStateCountryCode" xlink:type="locator" xlink:label="dei_EntityIncorporationStateCountryCode" />
    <link:label xml:lang="en-US" xlink:label="dei_EntityIncorporationStateCountryCode_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Entity Incorporation State Country Code</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityIncorporationStateCountryCode" xlink:to="dei_EntityIncorporationStateCountryCode_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_EntityIncorporationStateCountryCode_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Entity Incorporation State Country Code</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_EntityFileNumber" xlink:type="locator" xlink:label="dei_EntityFileNumber" />
    <link:label xml:lang="en-US" xlink:label="dei_EntityFileNumber_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Entity File Number</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityFileNumber" xlink:to="dei_EntityFileNumber_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_EntityFileNumber_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Entity File Number</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_EntityTaxIdentificationNumber" xlink:type="locator" xlink:label="dei_EntityTaxIdentificationNumber" />
    <link:label xml:lang="en-US" xlink:label="dei_EntityTaxIdentificationNumber_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Entity Tax Identification Number</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityTaxIdentificationNumber" xlink:to="dei_EntityTaxIdentificationNumber_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_EntityTaxIdentificationNumber_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Entity Tax Identification Number</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_EntityAddressAddressLine1" xlink:type="locator" xlink:label="dei_EntityAddressAddressLine1" />
    <link:label xml:lang="en-US" xlink:label="dei_EntityAddressAddressLine1_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Entity Address, Address Line One</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityAddressAddressLine1" xlink:to="dei_EntityAddressAddressLine1_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_EntityAddressAddressLine1_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Entity Address Address Line1</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_EntityAddressCityOrTown" xlink:type="locator" xlink:label="dei_EntityAddressCityOrTown" />
    <link:label xml:lang="en-US" xlink:label="dei_EntityAddressCityOrTown_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Entity Address, City or Town</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityAddressCityOrTown" xlink:to="dei_EntityAddressCityOrTown_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_EntityAddressCityOrTown_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Entity Address City Or Town</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_EntityAddressStateOrProvince" xlink:type="locator" xlink:label="dei_EntityAddressStateOrProvince" />
    <link:label xml:lang="en-US" xlink:label="dei_EntityAddressStateOrProvince_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Entity Address, State or Province</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityAddressStateOrProvince" xlink:to="dei_EntityAddressStateOrProvince_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_EntityAddressStateOrProvince_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Entity Address State Or Province</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_EntityAddressPostalZipCode" xlink:type="locator" xlink:label="dei_EntityAddressPostalZipCode" />
    <link:label xml:lang="en-US" xlink:label="dei_EntityAddressPostalZipCode_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Entity Address, Postal Zip Code</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityAddressPostalZipCode" xlink:to="dei_EntityAddressPostalZipCode_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_EntityAddressPostalZipCode_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Entity Address Postal Zip Code</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_CityAreaCode" xlink:type="locator" xlink:label="dei_CityAreaCode" />
    <link:label xml:lang="en-US" xlink:label="dei_CityAreaCode_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">City Area Code</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_CityAreaCode" xlink:to="dei_CityAreaCode_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_CityAreaCode_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">City Area Code</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_LocalPhoneNumber" xlink:type="locator" xlink:label="dei_LocalPhoneNumber" />
    <link:label xml:lang="en-US" xlink:label="dei_LocalPhoneNumber_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Local Phone Number</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_LocalPhoneNumber" xlink:to="dei_LocalPhoneNumber_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_LocalPhoneNumber_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Local Phone Number</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_WrittenCommunications" xlink:type="locator" xlink:label="dei_WrittenCommunications" />
    <link:label xml:lang="en-US" xlink:label="dei_WrittenCommunications_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Written Communications</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_WrittenCommunications" xlink:to="dei_WrittenCommunications_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_WrittenCommunications_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Written Communications</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_SolicitingMaterial" xlink:type="locator" xlink:label="dei_SolicitingMaterial" />
    <link:label xml:lang="en-US" xlink:label="dei_SolicitingMaterial_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Soliciting Material</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_SolicitingMaterial" xlink:to="dei_SolicitingMaterial_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_SolicitingMaterial_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Soliciting Material</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_PreCommencementTenderOffer" xlink:type="locator" xlink:label="dei_PreCommencementTenderOffer" />
    <link:label xml:lang="en-US" xlink:label="dei_PreCommencementTenderOffer_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Pre Commencement Tender Offer</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_PreCommencementTenderOffer" xlink:to="dei_PreCommencementTenderOffer_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_PreCommencementTenderOffer_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Pre Commencement Tender Offer</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_PreCommencementIssuerTenderOffer" xlink:type="locator" xlink:label="dei_PreCommencementIssuerTenderOffer" />
    <link:label xml:lang="en-US" xlink:label="dei_PreCommencementIssuerTenderOffer_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Pre Commencement Issuer Tender Offer</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_PreCommencementIssuerTenderOffer" xlink:to="dei_PreCommencementIssuerTenderOffer_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_PreCommencementIssuerTenderOffer_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Pre Commencement Issuer Tender Offer</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_EntityEmergingGrowthCompany" xlink:type="locator" xlink:label="dei_EntityEmergingGrowthCompany" />
    <link:label xml:lang="en-US" xlink:label="dei_EntityEmergingGrowthCompany_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel">Entity Emerging Growth Company</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityEmergingGrowthCompany" xlink:to="dei_EntityEmergingGrowthCompany_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_EntityEmergingGrowthCompany_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Entity Emerging Growth Company</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_Security12bTitle" xlink:type="locator" xlink:label="dei_Security12bTitle" />
    <link:label xml:lang="en-US" xlink:label="dei_Security12bTitle_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Security 12b Title</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_Security12bTitle" xlink:to="dei_Security12bTitle_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_Security12bTitle_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Security12b Title</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_TradingSymbol" xlink:type="locator" xlink:label="dei_TradingSymbol" />
    <link:label xml:lang="en-US" xlink:label="dei_TradingSymbol_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Trading Symbol</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_TradingSymbol" xlink:to="dei_TradingSymbol_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_TradingSymbol_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Trading Symbol</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_SecurityExchangeName" xlink:type="locator" xlink:label="dei_SecurityExchangeName" />
    <link:label xml:lang="en-US" xlink:label="dei_SecurityExchangeName_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Security Exchange Name</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_SecurityExchangeName" xlink:to="dei_SecurityExchangeName_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_SecurityExchangeName_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Security Exchange Name</link:label>
  </link:labelLink>
</link:linkbase>
</XBRL>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-101.PRE
<SEQUENCE>7
<FILENAME>nycb-20210127_pre.xml
<DESCRIPTION>XBRL TAXONOMY EXTENSION PRESENTATION LINKBASE
<TEXT>
<XBRL>
<?xml version="1.0" encoding="us-ascii" standalone="yes"?>
<!-- DFIN ActiveDisclosure(SM) XBRL Linkbase Document - http://www.dfinsolutions.com/ -->
<!-- Creation Date      : 2021-01-27T01:16:23.4530293+00:00 -->
<!-- Version            : 5.0.1.571 -->
<!-- Package ID         : 14863761b22f4b1fb9f5d8ee7df4dc1e -->
<!-- Copyright (c) 2021 Donnelley Financial Solutions, Inc. All Rights Reserved. -->
<link:linkbase xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xsi:schemaLocation="http://www.xbrl.org/2003/linkbase http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd">
  <link:roleRef roleURI="http://www.mynycb.com/20210127/role/TemplateLink" xlink:href="nycb-20210127.xsd#TemplateLink" xlink:type="simple" />
  <link:roleRef roleURI="http://www.mynycb.com/20210127/taxonomy/role/DocumentDocumentAndEntityInformation" xlink:href="nycb-20210127.xsd#Role_DocumentDocumentAndEntityInformation" xlink:type="simple" />
  <link:presentationLink xlink:type="extended" xlink:role="http://www.mynycb.com/20210127/taxonomy/role/DocumentDocumentAndEntityInformation">
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_SecurityExchangeName" xlink:type="locator" xlink:label="dei_SecurityExchangeName" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_TradingSymbol" xlink:type="locator" xlink:label="dei_TradingSymbol" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_Security12bTitle" xlink:type="locator" xlink:label="dei_Security12bTitle" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_EntityEmergingGrowthCompany" xlink:type="locator" xlink:label="dei_EntityEmergingGrowthCompany" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_PreCommencementIssuerTenderOffer" xlink:type="locator" xlink:label="dei_PreCommencementIssuerTenderOffer" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_PreCommencementTenderOffer" xlink:type="locator" xlink:label="dei_PreCommencementTenderOffer" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_SolicitingMaterial" xlink:type="locator" xlink:label="dei_SolicitingMaterial" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_WrittenCommunications" xlink:type="locator" xlink:label="dei_WrittenCommunications" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_LocalPhoneNumber" xlink:type="locator" xlink:label="dei_LocalPhoneNumber" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_CityAreaCode" xlink:type="locator" xlink:label="dei_CityAreaCode" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_EntityAddressPostalZipCode" xlink:type="locator" xlink:label="dei_EntityAddressPostalZipCode" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_EntityAddressStateOrProvince" xlink:type="locator" xlink:label="dei_EntityAddressStateOrProvince" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_EntityAddressCityOrTown" xlink:type="locator" xlink:label="dei_EntityAddressCityOrTown" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_EntityAddressAddressLine1" xlink:type="locator" xlink:label="dei_EntityAddressAddressLine1" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_EntityTaxIdentificationNumber" xlink:type="locator" xlink:label="dei_EntityTaxIdentificationNumber" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_EntityFileNumber" xlink:type="locator" xlink:label="dei_EntityFileNumber" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_EntityIncorporationStateCountryCode" xlink:type="locator" xlink:label="dei_EntityIncorporationStateCountryCode" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_DocumentPeriodEndDate" xlink:type="locator" xlink:label="dei_DocumentPeriodEndDate" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_DocumentType" xlink:type="locator" xlink:label="dei_DocumentType" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_EntityCentralIndexKey" xlink:type="locator" xlink:label="dei_EntityCentralIndexKey" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_AmendmentFlag" xlink:type="locator" xlink:label="dei_AmendmentFlag" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_EntityRegistrantName" xlink:type="locator" xlink:label="dei_EntityRegistrantName" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_DocumentInformationLineItems" xlink:type="locator" xlink:label="dei_DocumentInformationLineItems" />
    <link:loc xlink:href="nycb-20210127.xsd#nycb_FixedToFloatingRateSeriesANoncumulativePerpetualPreferredStockMember" xlink:type="locator" xlink:label="nycb_FixedToFloatingRateSeriesANoncumulativePerpetualPreferredStockMember" />
    <link:loc xlink:href="nycb-20210127.xsd#nycb_BifurcatedOptionNotesUnitSecuritiesMember" xlink:type="locator" xlink:label="nycb_BifurcatedOptionNotesUnitSecuritiesMember" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_CommonStockMember" xlink:type="locator" xlink:label="us-gaap_CommonStockMember" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_ClassOfStockDomain" xlink:type="locator" xlink:label="us-gaap_ClassOfStockDomain" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_StatementClassOfStockAxis" xlink:type="locator" xlink:label="us-gaap_StatementClassOfStockAxis" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_DocumentInformationTable" xlink:type="locator" xlink:label="dei_DocumentInformationTable" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_CoverAbstract" xlink:type="locator" xlink:label="dei_CoverAbstract" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="dei_CoverAbstract" xlink:to="dei_DocumentInformationTable" order="10020.00" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="dei_DocumentInformationTable" xlink:to="us-gaap_StatementClassOfStockAxis" order="10030.00" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="us-gaap_StatementClassOfStockAxis" xlink:to="us-gaap_ClassOfStockDomain" order="10060.00" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="us-gaap_ClassOfStockDomain" xlink:to="us-gaap_CommonStockMember" order="10080.00" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="us-gaap_ClassOfStockDomain" xlink:to="nycb_BifurcatedOptionNotesUnitSecuritiesMember" order="10100.00" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="us-gaap_ClassOfStockDomain" xlink:to="nycb_FixedToFloatingRateSeriesANoncumulativePerpetualPreferredStockMember" order="10120.00" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="dei_DocumentInformationTable" xlink:to="dei_DocumentInformationLineItems" order="10140.00" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="dei_DocumentInformationLineItems" xlink:to="dei_EntityRegistrantName" order="10150.00" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="dei_DocumentInformationLineItems" xlink:to="dei_AmendmentFlag" order="10230.00" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="dei_DocumentInformationLineItems" xlink:to="dei_EntityCentralIndexKey" order="10310.00" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="dei_DocumentInformationLineItems" xlink:to="dei_DocumentType" order="10390.00" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="dei_DocumentInformationLineItems" xlink:to="dei_DocumentPeriodEndDate" order="10470.00" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="dei_DocumentInformationLineItems" xlink:to="dei_EntityIncorporationStateCountryCode" order="10550.00" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="dei_DocumentInformationLineItems" xlink:to="dei_EntityFileNumber" order="10630.00" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="dei_DocumentInformationLineItems" xlink:to="dei_EntityTaxIdentificationNumber" order="10710.00" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="dei_DocumentInformationLineItems" xlink:to="dei_EntityAddressAddressLine1" order="10790.00" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="dei_DocumentInformationLineItems" xlink:to="dei_EntityAddressCityOrTown" order="10870.00" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="dei_DocumentInformationLineItems" xlink:to="dei_EntityAddressStateOrProvince" order="10950.00" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="dei_DocumentInformationLineItems" xlink:to="dei_EntityAddressPostalZipCode" order="11030.00" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="dei_DocumentInformationLineItems" xlink:to="dei_CityAreaCode" order="11110.00" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="dei_DocumentInformationLineItems" xlink:to="dei_LocalPhoneNumber" order="11190.00" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="dei_DocumentInformationLineItems" xlink:to="dei_WrittenCommunications" order="11270.00" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="dei_DocumentInformationLineItems" xlink:to="dei_SolicitingMaterial" order="11350.00" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="dei_DocumentInformationLineItems" xlink:to="dei_PreCommencementTenderOffer" order="11430.00" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="dei_DocumentInformationLineItems" xlink:to="dei_PreCommencementIssuerTenderOffer" order="11510.00" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="dei_DocumentInformationLineItems" xlink:to="dei_EntityEmergingGrowthCompany" order="11590.00" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="dei_DocumentInformationLineItems" xlink:to="dei_Security12bTitle" order="11670.00" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="dei_DocumentInformationLineItems" xlink:to="dei_TradingSymbol" order="11750.00" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="dei_DocumentInformationLineItems" xlink:to="dei_SecurityExchangeName" order="11830.00" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
  </link:presentationLink>
</link:linkbase>
</XBRL>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>8
<FILENAME>nycb-8k_20210127_htm.xml
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<XML>
<?xml version="1.0" encoding="utf-8"?>
<xbrl
  xmlns="http://www.xbrl.org/2003/instance"
  xmlns:dei="http://xbrl.sec.gov/dei/2020-01-31"
  xmlns:link="http://www.xbrl.org/2003/linkbase"
  xmlns:nycb="http://www.mynycb.com/20210127"
  xmlns:us-gaap="http://fasb.org/us-gaap/2020-01-31"
  xmlns:xbrldi="http://xbrl.org/2006/xbrldi"
  xmlns:xlink="http://www.w3.org/1999/xlink">
    <link:schemaRef xlink:href="nycb-20210127.xsd" xlink:type="simple"/>
    <context id="C_0000910073_20210127_20210127">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
        </entity>
        <period>
            <startDate>2021-01-27</startDate>
            <endDate>2021-01-27</endDate>
        </period>
    </context>
    <context id="C_0000910073_us-gaapStatementClassOfStockAxis_us-gaapCommonStockMember_20210127_20210127">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:StatementClassOfStockAxis">us-gaap:CommonStockMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2021-01-27</startDate>
            <endDate>2021-01-27</endDate>
        </period>
    </context>
    <context id="C_0000910073_us-gaapStatementClassOfStockAxis_nycbBifurcatedOptionNotesUnitSecuritiesMember_20210127_20210127">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:StatementClassOfStockAxis">nycb:BifurcatedOptionNotesUnitSecuritiesMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2021-01-27</startDate>
            <endDate>2021-01-27</endDate>
        </period>
    </context>
    <context id="C_0000910073_us-gaapStatementClassOfStockAxis_nycbFixedToFloatingRateSeriesANoncumulativePerpetualPreferredStockMember_20210127_20210127">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000910073</identifier>
            <segment>
                <xbrldi:explicitMember dimension="us-gaap:StatementClassOfStockAxis">nycb:FixedToFloatingRateSeriesANoncumulativePerpetualPreferredStockMember</xbrldi:explicitMember>
            </segment>
        </entity>
        <period>
            <startDate>2021-01-27</startDate>
            <endDate>2021-01-27</endDate>
        </period>
    </context>
    <dei:AmendmentFlag contextRef="C_0000910073_20210127_20210127" id="F_000001">false</dei:AmendmentFlag>
    <dei:EntityCentralIndexKey contextRef="C_0000910073_20210127_20210127" id="F_000002">0000910073</dei:EntityCentralIndexKey>
    <dei:DocumentType contextRef="C_0000910073_20210127_20210127" id="F_000003">8-K</dei:DocumentType>
    <dei:DocumentPeriodEndDate contextRef="C_0000910073_20210127_20210127" id="F_000004">2021-01-27</dei:DocumentPeriodEndDate>
    <dei:EntityRegistrantName contextRef="C_0000910073_20210127_20210127" id="F_000000">NEW YORK COMMUNITY BANCORP, INC.</dei:EntityRegistrantName>
    <dei:EntityIncorporationStateCountryCode contextRef="C_0000910073_20210127_20210127" id="F_000005">DE</dei:EntityIncorporationStateCountryCode>
    <dei:EntityFileNumber contextRef="C_0000910073_20210127_20210127" id="F_000006">1-31565</dei:EntityFileNumber>
    <dei:EntityTaxIdentificationNumber contextRef="C_0000910073_20210127_20210127" id="F_000007">06-1377322</dei:EntityTaxIdentificationNumber>
    <dei:EntityAddressAddressLine1 contextRef="C_0000910073_20210127_20210127" id="F_000008">615 Merrick Avenue</dei:EntityAddressAddressLine1>
    <dei:EntityAddressCityOrTown contextRef="C_0000910073_20210127_20210127" id="F_000009">Westbury</dei:EntityAddressCityOrTown>
    <dei:EntityAddressStateOrProvince contextRef="C_0000910073_20210127_20210127" id="F_000010">NY</dei:EntityAddressStateOrProvince>
    <dei:EntityAddressPostalZipCode contextRef="C_0000910073_20210127_20210127" id="F_000011">11590</dei:EntityAddressPostalZipCode>
    <dei:CityAreaCode contextRef="C_0000910073_20210127_20210127" id="F_000012">(516)</dei:CityAreaCode>
    <dei:LocalPhoneNumber contextRef="C_0000910073_20210127_20210127" id="F_000013">683-4100</dei:LocalPhoneNumber>
    <dei:Security12bTitle
      contextRef="C_0000910073_us-gaapStatementClassOfStockAxis_us-gaapCommonStockMember_20210127_20210127"
      id="F_000019">Common Stock, $0.01 par value per share</dei:Security12bTitle>
    <dei:TradingSymbol
      contextRef="C_0000910073_us-gaapStatementClassOfStockAxis_us-gaapCommonStockMember_20210127_20210127"
      id="F_000022">NYCB</dei:TradingSymbol>
    <dei:SecurityExchangeName
      contextRef="C_0000910073_us-gaapStatementClassOfStockAxis_us-gaapCommonStockMember_20210127_20210127"
      id="F_000025">NYSE</dei:SecurityExchangeName>
    <dei:Security12bTitle
      contextRef="C_0000910073_us-gaapStatementClassOfStockAxis_nycbBifurcatedOptionNotesUnitSecuritiesMember_20210127_20210127"
      id="F_000020">Bifurcated Option Note Unit SecuritiES</dei:Security12bTitle>
    <dei:Security12bTitle
      contextRef="C_0000910073_us-gaapStatementClassOfStockAxis_nycbFixedToFloatingRateSeriesANoncumulativePerpetualPreferredStockMember_20210127_20210127"
      id="F_000021">Fixed-to-Floating Rate Series A Noncumulative Perpetual Preferred Stock, $0.01 par value</dei:Security12bTitle>
    <dei:TradingSymbol
      contextRef="C_0000910073_us-gaapStatementClassOfStockAxis_nycbBifurcatedOptionNotesUnitSecuritiesMember_20210127_20210127"
      id="F_000023">NYCB PU</dei:TradingSymbol>
    <dei:TradingSymbol
      contextRef="C_0000910073_us-gaapStatementClassOfStockAxis_nycbFixedToFloatingRateSeriesANoncumulativePerpetualPreferredStockMember_20210127_20210127"
      id="F_000024">NYCB PA</dei:TradingSymbol>
    <dei:SecurityExchangeName
      contextRef="C_0000910073_us-gaapStatementClassOfStockAxis_nycbBifurcatedOptionNotesUnitSecuritiesMember_20210127_20210127"
      id="F_000026">NYSE</dei:SecurityExchangeName>
    <dei:SecurityExchangeName
      contextRef="C_0000910073_us-gaapStatementClassOfStockAxis_nycbFixedToFloatingRateSeriesANoncumulativePerpetualPreferredStockMember_20210127_20210127"
      id="F_000027">NYSE</dei:SecurityExchangeName>
    <dei:WrittenCommunications contextRef="C_0000910073_20210127_20210127" id="F_000014">false</dei:WrittenCommunications>
    <dei:SolicitingMaterial contextRef="C_0000910073_20210127_20210127" id="F_000015">false</dei:SolicitingMaterial>
    <dei:PreCommencementTenderOffer contextRef="C_0000910073_20210127_20210127" id="F_000016">false</dei:PreCommencementTenderOffer>
    <dei:PreCommencementIssuerTenderOffer contextRef="C_0000910073_20210127_20210127" id="F_000017">false</dei:PreCommencementIssuerTenderOffer>
    <dei:EntityEmergingGrowthCompany contextRef="C_0000910073_20210127_20210127" id="F_000018">false</dei:EntityEmergingGrowthCompany>
</xbrl>
</XML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>9
<FILENAME>R1.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
							if (e.nextSibling.style.display=='none') {
							e.nextSibling.style.display='block';
							} else { e.nextSibling.style.display='none'; }
							}</script>
</head>
<body>
<span style="display: none;">v3.20.4</span><table class="report" border="0" cellspacing="2" id="idm139738402666664">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Document and Entity Information<br></strong></div></th>
<th class="th"><div>Jan. 27, 2021</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_DocumentInformationLineItems', window );"><strong>Document Information [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityRegistrantName', window );">Entity Registrant Name</a></td>
<td class="text">NEW YORK COMMUNITY BANCORP, INC.<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_AmendmentFlag', window );">Amendment Flag</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityCentralIndexKey', window );">Entity Central Index Key</a></td>
<td class="text">0000910073<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_DocumentType', window );">Document Type</a></td>
<td class="text">8-K<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_DocumentPeriodEndDate', window );">Document Period End Date</a></td>
<td class="text">Jan. 27,  2021<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityIncorporationStateCountryCode', window );">Entity Incorporation State Country Code</a></td>
<td class="text">DE<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityFileNumber', window );">Entity File Number</a></td>
<td class="text">1-31565<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityTaxIdentificationNumber', window );">Entity Tax Identification Number</a></td>
<td class="text">06-1377322<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityAddressAddressLine1', window );">Entity Address, Address Line One</a></td>
<td class="text">615 Merrick Avenue<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityAddressCityOrTown', window );">Entity Address, City or Town</a></td>
<td class="text">Westbury<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityAddressStateOrProvince', window );">Entity Address, State or Province</a></td>
<td class="text">NY<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityAddressPostalZipCode', window );">Entity Address, Postal Zip Code</a></td>
<td class="text">11590<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_CityAreaCode', window );">City Area Code</a></td>
<td class="text">(516)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_LocalPhoneNumber', window );">Local Phone Number</a></td>
<td class="text">683-4100<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_WrittenCommunications', window );">Written Communications</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_SolicitingMaterial', window );">Soliciting Material</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_PreCommencementTenderOffer', window );">Pre Commencement Tender Offer</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_PreCommencementIssuerTenderOffer', window );">Pre Commencement Issuer Tender Offer</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityEmergingGrowthCompany', window );">Entity Emerging Growth Company</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StatementClassOfStockAxis=us-gaap_CommonStockMember', window );">Common Stock [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_DocumentInformationLineItems', window );"><strong>Document Information [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_Security12bTitle', window );">Security 12b Title</a></td>
<td class="text">Common Stock, $0.01 par value per share<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_TradingSymbol', window );">Trading Symbol</a></td>
<td class="text">NYCB<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_SecurityExchangeName', window );">Security Exchange Name</a></td>
<td class="text">NYSE<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StatementClassOfStockAxis=nycb_BifurcatedOptionNotesUnitSecuritiesMember', window );">Bifurcated Option Note Unit Securities [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_DocumentInformationLineItems', window );"><strong>Document Information [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_Security12bTitle', window );">Security 12b Title</a></td>
<td class="text">Bifurcated Option Note Unit SecuritiES<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_TradingSymbol', window );">Trading Symbol</a></td>
<td class="text">NYCB PU<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_SecurityExchangeName', window );">Security Exchange Name</a></td>
<td class="text">NYSE<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StatementClassOfStockAxis=nycb_FixedToFloatingRateSeriesANoncumulativePerpetualPreferredStockMember', window );">Fixed To Floating Rate Series A Noncumulative Perpetual Preferred Stock [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_DocumentInformationLineItems', window );"><strong>Document Information [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_Security12bTitle', window );">Security 12b Title</a></td>
<td class="text">Fixed-to-Floating Rate Series A Noncumulative Perpetual Preferred Stock, $0.01 par value<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_TradingSymbol', window );">Trading Symbol</a></td>
<td class="text">NYCB PA<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_SecurityExchangeName', window );">Security Exchange Name</a></td>
<td class="text">NYSE<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_AmendmentFlag">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the XBRL content amends previously-filed or accepted submission.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_AmendmentFlag</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_CityAreaCode">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Area code of city</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_CityAreaCode</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_DocumentInformationLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_DocumentInformationLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_DocumentPeriodEndDate">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The end date of the period reflected on the cover page if a periodic report. For all other reports and registration statements containing historical data, it is the date up through which that historical data is presented.  If there is no historical data in the report, use the filing date. The format of the date is YYYY-MM-DD.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_DocumentPeriodEndDate</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:dateItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_DocumentType">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The type of document being provided (such as 10-K, 10-Q, 485BPOS, etc). The document type is limited to the same value as the supporting SEC submission type, or the word 'Other'.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_DocumentType</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:submissionTypeItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressAddressLine1">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Address Line 1 such as Attn, Building Name, Street Name</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressAddressLine1</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressCityOrTown">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Name of the City or Town</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressCityOrTown</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressPostalZipCode">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Code for the postal or zip code</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressPostalZipCode</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressStateOrProvince">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Name of the state or province.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressStateOrProvince</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:stateOrProvinceItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityCentralIndexKey">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>A unique 10-digit SEC-issued value to identify entities that have filed disclosures with the SEC. It is commonly abbreviated as CIK.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation 12B<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityCentralIndexKey</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:centralIndexKeyItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityEmergingGrowthCompany">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Indicate if registrant meets the emerging growth company criteria.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation 12B<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityEmergingGrowthCompany</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityFileNumber">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Commission file number. The field allows up to 17 characters. The prefix may contain 1-3 digits, the sequence number may contain 1-8 digits, the optional suffix may contain 1-4 characters, and the fields are separated with a hyphen.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityFileNumber</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:fileNumberItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityIncorporationStateCountryCode">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Two-character EDGAR code representing the state or country of incorporation.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityIncorporationStateCountryCode</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:edgarStateCountryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityRegistrantName">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The exact name of the entity filing the report as specified in its charter, which is required by forms filed with the SEC.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation 12B<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityRegistrantName</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityTaxIdentificationNumber">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The Tax Identification Number (TIN), also known as an Employer Identification Number (EIN), is a unique 9-digit value assigned by the IRS.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation 12B<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityTaxIdentificationNumber</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:employerIdItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_LocalPhoneNumber">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Local phone number for entity.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_LocalPhoneNumber</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_PreCommencementIssuerTenderOffer">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 13e<br> -Subsection 4c<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_PreCommencementIssuerTenderOffer</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_PreCommencementTenderOffer">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 14d<br> -Subsection 2b<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_PreCommencementTenderOffer</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_Security12bTitle">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Title of a 12(b) registered security.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection b<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_Security12bTitle</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:securityTitleItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_SecurityExchangeName">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Name of the Exchange on which a security is registered.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection d1-1<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_SecurityExchangeName</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:edgarExchangeCodeItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_SolicitingMaterial">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as soliciting material pursuant to Rule 14a-12 under the Exchange Act.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Section 14a<br> -Number 240<br> -Subsection 12<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_SolicitingMaterial</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_TradingSymbol">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Trading symbol of an instrument as listed on an exchange.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_TradingSymbol</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:tradingSymbolItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_WrittenCommunications">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as written communications pursuant to Rule 425 under the Securities Act.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Securities Act<br> -Number 230<br> -Section 425<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_WrittenCommunications</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_StatementClassOfStockAxis=us-gaap_CommonStockMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_StatementClassOfStockAxis=us-gaap_CommonStockMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_StatementClassOfStockAxis=nycb_BifurcatedOptionNotesUnitSecuritiesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_StatementClassOfStockAxis=nycb_BifurcatedOptionNotesUnitSecuritiesMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_StatementClassOfStockAxis=nycb_FixedToFloatingRateSeriesANoncumulativePerpetualPreferredStockMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_StatementClassOfStockAxis=nycb_FixedToFloatingRateSeriesANoncumulativePerpetualPreferredStockMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EXCEL
<SEQUENCE>10
<FILENAME>Financial_Report.xlsx
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
begin 644 Financial_Report.xlsx
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MI6J//X7W*+F?&^[_$L4/4$L#!!0    ( %%!.U*7BKL<P    !,"   +
M7W)E;',O+G)E;'.=DKENPS ,0'_%T)XP!] AB#-E\18$^0%6H@_8$@6*19V_
MK]JE<9 +&7D]/!+<'FE [3BDMHNI&/T04FE:U;@!2+8ECVG.D4*NU"P>-8?2
M0$3;8T.P6BP^0"X99K>]9!:G<Z17B%S7G:4]VR]/06^ KSI,<4)I2$LS#O#-
MTG\R]_,,-47E2B.56QIXT^7^=N!)T:$B6!::1<G3HAVE?QW']I#3Z:]C(K1Z
M6^CY<6A4"H[<8R6,<6*T_C6"R0_L?@!02P,$%     @ 44$[4APX9>H_ 0
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M 5!+ 0(4 Q0    ( %%!.U('04UB@0   +$    0              "  0
M  !D;V-0<F]P<R]A<' N>&UL4$L! A0#%     @ 44$[4I&HVLWN    *P(
M !$              ( !KP   &1O8U!R;W!S+V-O<F4N>&UL4$L! A0#%
M  @ 44$[4IE<G",0!@  G"<  !,              ( !S $  'AL+W1H96UE
M+W1H96UE,2YX;6Q02P$"% ,4    " !103M2Q7N'*1@%  "_%@  &
M        @($-"   >&PO=V]R:W-H965T<R]S:&5E=#$N>&UL4$L! A0#%
M  @ 44$[4H.II0/4 0  ,@8   T              ( !6PT  'AL+W-T>6QE
M<RYX;6Q02P$"% ,4    " !103M2EXJ[',     3 @  "P
M@ %:#P  7W)E;',O+G)E;'-02P$"% ,4    " !103M2'#AEZC\!   \ @
M#P              @ %#$   >&PO=V]R:V)O;VLN>&UL4$L! A0#%     @
M44$[4B0>FZ*M    ^ $  !H              ( !KQ$  'AL+U]R96QS+W=O
M<FMB;V]K+GAM;"YR96QS4$L! A0#%     @ 44$[4F60>9(9 0  SP,  !,
M             ( !E!(  %M#;VYT96YT7U1Y<&5S72YX;6Q02P4&      D
,"0 ^ @  WA,

end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>11
<FILENAME>Show.js
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
// Edgar(tm) Renderer was created by staff of the U.S. Securities and Exchange Commission.  Data and content created by government employees within the scope of their employment are not subject to domestic copyright protection. 17 U.S.C. 105.
var Show={};Show.LastAR=null,Show.showAR=function(a,r,w){if(Show.LastAR)Show.hideAR();var e=a;while(e&&e.nodeName!='TABLE')e=e.nextSibling;if(!e||e.nodeName!='TABLE'){var ref=((window)?w.document:document).getElementById(r);if(ref){e=ref.cloneNode(!0);
e.removeAttribute('id');a.parentNode.appendChild(e)}}
if(e)e.style.display='block';Show.LastAR=e};Show.hideAR=function(){Show.LastAR.style.display='none'};Show.toggleNext=function(a){var e=a;while(e.nodeName!='DIV')e=e.nextSibling;if(!e.style){}else if(!e.style.display){}else{var d,p_;if(e.style.display=='none'){d='block';p='-'}else{d='none';p='+'}
e.style.display=d;if(a.textContent){a.textContent=p+a.textContent.substring(1)}else{a.innerText=p+a.innerText.substring(1)}}}
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>12
<FILENAME>report.css
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
/* Updated 2009-11-04 */
/* v2.2.0.24 */

/* DefRef Styles */
..report table.authRefData{
	background-color: #def;
	border: 2px solid #2F4497;
	font-size: 1em;
	position: absolute;
}

..report table.authRefData a {
	display: block;
	font-weight: bold;
}

..report table.authRefData p {
	margin-top: 0px;
}

..report table.authRefData .hide {
	background-color: #2F4497;
	padding: 1px 3px 0px 0px;
	text-align: right;
}

..report table.authRefData .hide a:hover {
	background-color: #2F4497;
}

..report table.authRefData .body {
	height: 150px;
	overflow: auto;
	width: 400px;
}

..report table.authRefData table{
	font-size: 1em;
}

/* Report Styles */
..pl a, .pl a:visited {
	color: black;
	text-decoration: none;
}

/* table */
..report {
	background-color: white;
	border: 2px solid #acf;
	clear: both;
	color: black;
	font: normal 8pt Helvetica, Arial, san-serif;
	margin-bottom: 2em;
}

..report hr {
	border: 1px solid #acf;
}

/* Top labels */
..report th {
	background-color: #acf;
	color: black;
	font-weight: bold;
	text-align: center;
}

..report th.void	{
	background-color: transparent;
	color: #000000;
	font: bold 10pt Helvetica, Arial, san-serif;
	text-align: left;
}

..report .pl {
	text-align: left;
	vertical-align: top;
	white-space: normal;
	width: 200px;
	white-space: normal; /* word-wrap: break-word; */
}

..report td.pl a.a {
	cursor: pointer;
	display: block;
	width: 200px;
	overflow: hidden;
}

..report td.pl div.a {
	width: 200px;
}

..report td.pl a:hover {
	background-color: #ffc;
}

/* Header rows... */
..report tr.rh {
	background-color: #acf;
	color: black;
	font-weight: bold;
}

/* Calendars... */
..report .rc {
	background-color: #f0f0f0;
}

/* Even rows... */
..report .re, .report .reu {
	background-color: #def;
}

..report .reu td {
	border-bottom: 1px solid black;
}

/* Odd rows... */
..report .ro, .report .rou {
	background-color: white;
}

..report .rou td {
	border-bottom: 1px solid black;
}

..report .rou table td, .report .reu table td {
	border-bottom: 0px solid black;
}

/* styles for footnote marker */
..report .fn {
	white-space: nowrap;
}

/* styles for numeric types */
..report .num, .report .nump {
	text-align: right;
	white-space: nowrap;
}

..report .nump {
	padding-left: 2em;
}

..report .nump {
	padding: 0px 0.4em 0px 2em;
}

/* styles for text types */
..report .text {
	text-align: left;
	white-space: normal;
}

..report .text .big {
	margin-bottom: 1em;
	width: 17em;
}

..report .text .more {
	display: none;
}

..report .text .note {
	font-style: italic;
	font-weight: bold;
}

..report .text .small {
	width: 10em;
}

..report sup {
	font-style: italic;
}

..report .outerFootnotes {
	font-size: 1em;
}
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>13
<FILENAME>FilingSummary.xml
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<XML>
<?xml version='1.0' encoding='utf-8'?>
<FilingSummary>
  <Version>3.20.4</Version>
  <ProcessingTime/>
  <ReportFormat>html</ReportFormat>
  <ContextCount>4</ContextCount>
  <ElementCount>96</ElementCount>
  <EntityCount>1</EntityCount>
  <FootnotesReported>false</FootnotesReported>
  <SegmentCount>3</SegmentCount>
  <ScenarioCount>0</ScenarioCount>
  <TuplesReported>false</TuplesReported>
  <UnitCount>0</UnitCount>
  <MyReports>
    <Report instance="nycb-8k_20210127.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R1.htm</HtmlFileName>
      <LongName>100000 - Document - Document and Entity Information</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.mynycb.com/20210127/taxonomy/role/DocumentDocumentAndEntityInformation</Role>
      <ShortName>Document and Entity Information</ShortName>
      <MenuCategory>Cover</MenuCategory>
      <Position>1</Position>
    </Report>
    <Report>
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <LongName>All Reports</LongName>
      <ReportType>Book</ReportType>
      <ShortName>All Reports</ShortName>
    </Report>
  </MyReports>
  <InputFiles>
    <File doctype="8-K" original="nycb-8k_20210127.htm">nycb-8k_20210127.htm</File>
    <File>d118686dex991.htm</File>
    <File>nycb-20210127.xsd</File>
    <File>nycb-20210127_def.xml</File>
    <File>nycb-20210127_lab.xml</File>
    <File>nycb-20210127_pre.xml</File>
  </InputFiles>
  <SupplementalFiles/>
  <BaseTaxonomies>
    <BaseTaxonomy>http://fasb.org/us-gaap/2020-01-31</BaseTaxonomy>
    <BaseTaxonomy>http://xbrl.sec.gov/dei/2020-01-31</BaseTaxonomy>
  </BaseTaxonomies>
  <HasPresentationLinkbase>true</HasPresentationLinkbase>
  <HasCalculationLinkbase>false</HasCalculationLinkbase>
</FilingSummary>
</XML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>JSON
<SEQUENCE>15
<FILENAME>MetaLinks.json
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
{
 "instance": {
  "nycb-8k_20210127.htm": {
   "axisCustom": 0,
   "axisStandard": 1,
   "contextCount": 4,
   "dts": {
    "definitionLink": {
     "local": [
      "nycb-20210127_def.xml"
     ],
     "remote": [
      "http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-eedm-def-2020-01-31.xml",
      "http://xbrl.fasb.org/srt/2020/elts/srt-eedm1-def-2020-01-31.xml"
     ]
    },
    "inline": {
     "local": [
      "nycb-8k_20210127.htm"
     ]
    },
    "labelLink": {
     "local": [
      "nycb-20210127_lab.xml"
     ],
     "remote": [
      "https://xbrl.sec.gov/dei/2020/dei-doc-2020-01-31.xml"
     ]
    },
    "presentationLink": {
     "local": [
      "nycb-20210127_pre.xml"
     ]
    },
    "referenceLink": {
     "remote": [
      "https://xbrl.sec.gov/dei/2020/dei-ref-2020-01-31.xml"
     ]
    },
    "schema": {
     "local": [
      "nycb-20210127.xsd"
     ],
     "remote": [
      "http://www.xbrl.org/2003/xbrl-instance-2003-12-31.xsd",
      "http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd",
      "http://www.xbrl.org/2003/xl-2003-12-31.xsd",
      "http://www.xbrl.org/2003/xlink-2003-12-31.xsd",
      "http://www.xbrl.org/2005/xbrldt-2005.xsd",
      "https://xbrl.sec.gov/country/2020/country-2020-01-31.xsd",
      "http://www.xbrl.org/dtr/type/nonNumeric-2009-12-16.xsd",
      "https://xbrl.sec.gov/currency/2020/currency-2020-01-31.xsd",
      "https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd",
      "http://www.xbrl.org/dtr/type/numeric-2009-12-16.xsd",
      "https://xbrl.sec.gov/exch/2020/exch-2020-01-31.xsd",
      "http://www.xbrl.org/lrr/arcrole/factExplanatory-2009-12-16.xsd",
      "http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd",
      "http://www.xbrl.org/lrr/role/net-2009-12-16.xsd",
      "https://xbrl.sec.gov/naics/2017/naics-2017-01-31.xsd",
      "https://xbrl.sec.gov/sic/2020/sic-2020-01-31.xsd",
      "http://xbrl.fasb.org/srt/2020/elts/srt-2020-01-31.xsd",
      "http://www.xbrl.org/2006/ref-2006-02-27.xsd",
      "http://xbrl.fasb.org/srt/2020/elts/srt-types-2020-01-31.xsd",
      "http://xbrl.fasb.org/srt/2020/elts/srt-roles-2020-01-31.xsd",
      "https://xbrl.sec.gov/stpr/2018/stpr-2018-01-31.xsd",
      "http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd",
      "http://xbrl.fasb.org/us-gaap/2020/elts/us-roles-2020-01-31.xsd",
      "http://xbrl.fasb.org/us-gaap/2020/elts/us-types-2020-01-31.xsd",
      "http://www.xbrl.org/lrr/role/deprecated-2009-12-16.xsd"
     ]
    }
   },
   "elementCount": 30,
   "entityCount": 1,
   "hidden": {
    "http://xbrl.sec.gov/dei/2020-01-31": 2,
    "total": 2
   },
   "keyCustom": 0,
   "keyStandard": 96,
   "memberCustom": 2,
   "memberStandard": 1,
   "nsprefix": "nycb",
   "nsuri": "http://www.mynycb.com/20210127",
   "report": {
    "R1": {
     "firstAnchor": {
      "ancestors": [
       "span",
       "p",
       "body",
       "html"
      ],
      "baseRef": "nycb-8k_20210127.htm",
      "contextRef": "C_0000910073_20210127_20210127",
      "decimals": null,
      "first": true,
      "lang": "en-US",
      "name": "dei:EntityRegistrantName",
      "reportCount": 1,
      "unique": true,
      "unitRef": null,
      "xsiNil": "false"
     },
     "groupType": "document",
     "isDefault": "true",
     "longName": "100000 - Document - Document and Entity Information",
     "role": "http://www.mynycb.com/20210127/taxonomy/role/DocumentDocumentAndEntityInformation",
     "shortName": "Document and Entity Information",
     "subGroupType": "",
     "uniqueAnchor": {
      "ancestors": [
       "span",
       "p",
       "body",
       "html"
      ],
      "baseRef": "nycb-8k_20210127.htm",
      "contextRef": "C_0000910073_20210127_20210127",
      "decimals": null,
      "first": true,
      "lang": "en-US",
      "name": "dei:EntityRegistrantName",
      "reportCount": 1,
      "unique": true,
      "unitRef": null,
      "xsiNil": "false"
     }
    }
   },
   "segmentCount": 3,
   "tag": {
    "dei_AmendmentFlag": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Boolean flag that is true when the XBRL content amends previously-filed or accepted submission.",
        "label": "Amendment Flag",
        "terseLabel": "Amendment Flag"
       }
      }
     },
     "localname": "AmendmentFlag",
     "nsuri": "http://xbrl.sec.gov/dei/2020-01-31",
     "presentation": [
      "http://www.mynycb.com/20210127/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "booleanItemType"
    },
    "dei_CityAreaCode": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Area code of city",
        "label": "City Area Code",
        "terseLabel": "City Area Code"
       }
      }
     },
     "localname": "CityAreaCode",
     "nsuri": "http://xbrl.sec.gov/dei/2020-01-31",
     "presentation": [
      "http://www.mynycb.com/20210127/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "normalizedStringItemType"
    },
    "dei_CoverAbstract": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Cover page.",
        "label": "Cover [Abstract]"
       }
      }
     },
     "localname": "CoverAbstract",
     "nsuri": "http://xbrl.sec.gov/dei/2020-01-31",
     "xbrltype": "stringItemType"
    },
    "dei_DocumentInformationLineItems": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.",
        "label": "Document Information [Line Items]",
        "terseLabel": "Document Information [Line Items]"
       }
      }
     },
     "localname": "DocumentInformationLineItems",
     "nsuri": "http://xbrl.sec.gov/dei/2020-01-31",
     "presentation": [
      "http://www.mynycb.com/20210127/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "stringItemType"
    },
    "dei_DocumentInformationTable": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Container to support the formal attachment of each official or unofficial, public or private document as part of a submission package.",
        "label": "Document Information [Table]",
        "terseLabel": "Document Information [Table]"
       }
      }
     },
     "localname": "DocumentInformationTable",
     "nsuri": "http://xbrl.sec.gov/dei/2020-01-31",
     "presentation": [
      "http://www.mynycb.com/20210127/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "stringItemType"
    },
    "dei_DocumentPeriodEndDate": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "The end date of the period reflected on the cover page if a periodic report. For all other reports and registration statements containing historical data, it is the date up through which that historical data is presented.  If there is no historical data in the report, use the filing date. The format of the date is YYYY-MM-DD.",
        "label": "Document Period End Date",
        "terseLabel": "Document Period End Date"
       }
      }
     },
     "localname": "DocumentPeriodEndDate",
     "nsuri": "http://xbrl.sec.gov/dei/2020-01-31",
     "presentation": [
      "http://www.mynycb.com/20210127/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "dateItemType"
    },
    "dei_DocumentType": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "The type of document being provided (such as 10-K, 10-Q, 485BPOS, etc). The document type is limited to the same value as the supporting SEC submission type, or the word 'Other'.",
        "label": "Document Type",
        "verboseLabel": "Document Type"
       }
      }
     },
     "localname": "DocumentType",
     "nsuri": "http://xbrl.sec.gov/dei/2020-01-31",
     "presentation": [
      "http://www.mynycb.com/20210127/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "submissionTypeItemType"
    },
    "dei_EntityAddressAddressLine1": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Address Line 1 such as Attn, Building Name, Street Name",
        "label": "Entity Address Address Line1",
        "terseLabel": "Entity Address, Address Line One"
       }
      }
     },
     "localname": "EntityAddressAddressLine1",
     "nsuri": "http://xbrl.sec.gov/dei/2020-01-31",
     "presentation": [
      "http://www.mynycb.com/20210127/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "normalizedStringItemType"
    },
    "dei_EntityAddressCityOrTown": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Name of the City or Town",
        "label": "Entity Address City Or Town",
        "terseLabel": "Entity Address, City or Town"
       }
      }
     },
     "localname": "EntityAddressCityOrTown",
     "nsuri": "http://xbrl.sec.gov/dei/2020-01-31",
     "presentation": [
      "http://www.mynycb.com/20210127/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "normalizedStringItemType"
    },
    "dei_EntityAddressPostalZipCode": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Code for the postal or zip code",
        "label": "Entity Address Postal Zip Code",
        "terseLabel": "Entity Address, Postal Zip Code"
       }
      }
     },
     "localname": "EntityAddressPostalZipCode",
     "nsuri": "http://xbrl.sec.gov/dei/2020-01-31",
     "presentation": [
      "http://www.mynycb.com/20210127/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "normalizedStringItemType"
    },
    "dei_EntityAddressStateOrProvince": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Name of the state or province.",
        "label": "Entity Address State Or Province",
        "terseLabel": "Entity Address, State or Province"
       }
      }
     },
     "localname": "EntityAddressStateOrProvince",
     "nsuri": "http://xbrl.sec.gov/dei/2020-01-31",
     "presentation": [
      "http://www.mynycb.com/20210127/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "stateOrProvinceItemType"
    },
    "dei_EntityCentralIndexKey": {
     "auth_ref": [
      "r5"
     ],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "A unique 10-digit SEC-issued value to identify entities that have filed disclosures with the SEC. It is commonly abbreviated as CIK.",
        "label": "Entity Central Index Key",
        "terseLabel": "Entity Central Index Key",
        "verboseLabel": "Entity Central Index Key"
       }
      }
     },
     "localname": "EntityCentralIndexKey",
     "nsuri": "http://xbrl.sec.gov/dei/2020-01-31",
     "presentation": [
      "http://www.mynycb.com/20210127/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "centralIndexKeyItemType"
    },
    "dei_EntityEmergingGrowthCompany": {
     "auth_ref": [
      "r5"
     ],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Indicate if registrant meets the emerging growth company criteria.",
        "label": "Entity Emerging Growth Company",
        "verboseLabel": "Entity Emerging Growth Company"
       }
      }
     },
     "localname": "EntityEmergingGrowthCompany",
     "nsuri": "http://xbrl.sec.gov/dei/2020-01-31",
     "presentation": [
      "http://www.mynycb.com/20210127/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "booleanItemType"
    },
    "dei_EntityFileNumber": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Commission file number. The field allows up to 17 characters. The prefix may contain 1-3 digits, the sequence number may contain 1-8 digits, the optional suffix may contain 1-4 characters, and the fields are separated with a hyphen.",
        "label": "Entity File Number",
        "terseLabel": "Entity File Number"
       }
      }
     },
     "localname": "EntityFileNumber",
     "nsuri": "http://xbrl.sec.gov/dei/2020-01-31",
     "presentation": [
      "http://www.mynycb.com/20210127/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "fileNumberItemType"
    },
    "dei_EntityIncorporationStateCountryCode": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Two-character EDGAR code representing the state or country of incorporation.",
        "label": "Entity Incorporation State Country Code",
        "terseLabel": "Entity Incorporation State Country Code"
       }
      }
     },
     "localname": "EntityIncorporationStateCountryCode",
     "nsuri": "http://xbrl.sec.gov/dei/2020-01-31",
     "presentation": [
      "http://www.mynycb.com/20210127/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "edgarStateCountryItemType"
    },
    "dei_EntityRegistrantName": {
     "auth_ref": [
      "r5"
     ],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "The exact name of the entity filing the report as specified in its charter, which is required by forms filed with the SEC.",
        "label": "Entity Registrant Name",
        "terseLabel": "Entity Registrant Name"
       }
      }
     },
     "localname": "EntityRegistrantName",
     "nsuri": "http://xbrl.sec.gov/dei/2020-01-31",
     "presentation": [
      "http://www.mynycb.com/20210127/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "normalizedStringItemType"
    },
    "dei_EntityTaxIdentificationNumber": {
     "auth_ref": [
      "r5"
     ],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "The Tax Identification Number (TIN), also known as an Employer Identification Number (EIN), is a unique 9-digit value assigned by the IRS.",
        "label": "Entity Tax Identification Number",
        "terseLabel": "Entity Tax Identification Number"
       }
      }
     },
     "localname": "EntityTaxIdentificationNumber",
     "nsuri": "http://xbrl.sec.gov/dei/2020-01-31",
     "presentation": [
      "http://www.mynycb.com/20210127/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "employerIdItemType"
    },
    "dei_LocalPhoneNumber": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Local phone number for entity.",
        "label": "Local Phone Number",
        "terseLabel": "Local Phone Number"
       }
      }
     },
     "localname": "LocalPhoneNumber",
     "nsuri": "http://xbrl.sec.gov/dei/2020-01-31",
     "presentation": [
      "http://www.mynycb.com/20210127/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "normalizedStringItemType"
    },
    "dei_PreCommencementIssuerTenderOffer": {
     "auth_ref": [
      "r2"
     ],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act.",
        "label": "Pre Commencement Issuer Tender Offer",
        "terseLabel": "Pre Commencement Issuer Tender Offer"
       }
      }
     },
     "localname": "PreCommencementIssuerTenderOffer",
     "nsuri": "http://xbrl.sec.gov/dei/2020-01-31",
     "presentation": [
      "http://www.mynycb.com/20210127/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "booleanItemType"
    },
    "dei_PreCommencementTenderOffer": {
     "auth_ref": [
      "r3"
     ],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act.",
        "label": "Pre Commencement Tender Offer",
        "terseLabel": "Pre Commencement Tender Offer"
       }
      }
     },
     "localname": "PreCommencementTenderOffer",
     "nsuri": "http://xbrl.sec.gov/dei/2020-01-31",
     "presentation": [
      "http://www.mynycb.com/20210127/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "booleanItemType"
    },
    "dei_Security12bTitle": {
     "auth_ref": [
      "r0"
     ],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Title of a 12(b) registered security.",
        "label": "Security12b Title",
        "terseLabel": "Security 12b Title"
       }
      }
     },
     "localname": "Security12bTitle",
     "nsuri": "http://xbrl.sec.gov/dei/2020-01-31",
     "presentation": [
      "http://www.mynycb.com/20210127/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "securityTitleItemType"
    },
    "dei_SecurityExchangeName": {
     "auth_ref": [
      "r1"
     ],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Name of the Exchange on which a security is registered.",
        "label": "Security Exchange Name",
        "terseLabel": "Security Exchange Name"
       }
      }
     },
     "localname": "SecurityExchangeName",
     "nsuri": "http://xbrl.sec.gov/dei/2020-01-31",
     "presentation": [
      "http://www.mynycb.com/20210127/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "edgarExchangeCodeItemType"
    },
    "dei_SolicitingMaterial": {
     "auth_ref": [
      "r4"
     ],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as soliciting material pursuant to Rule 14a-12 under the Exchange Act.",
        "label": "Soliciting Material",
        "terseLabel": "Soliciting Material"
       }
      }
     },
     "localname": "SolicitingMaterial",
     "nsuri": "http://xbrl.sec.gov/dei/2020-01-31",
     "presentation": [
      "http://www.mynycb.com/20210127/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "booleanItemType"
    },
    "dei_TradingSymbol": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Trading symbol of an instrument as listed on an exchange.",
        "label": "Trading Symbol",
        "terseLabel": "Trading Symbol"
       }
      }
     },
     "localname": "TradingSymbol",
     "nsuri": "http://xbrl.sec.gov/dei/2020-01-31",
     "presentation": [
      "http://www.mynycb.com/20210127/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "tradingSymbolItemType"
    },
    "dei_WrittenCommunications": {
     "auth_ref": [
      "r6"
     ],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as written communications pursuant to Rule 425 under the Securities Act.",
        "label": "Written Communications",
        "terseLabel": "Written Communications"
       }
      }
     },
     "localname": "WrittenCommunications",
     "nsuri": "http://xbrl.sec.gov/dei/2020-01-31",
     "presentation": [
      "http://www.mynycb.com/20210127/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "booleanItemType"
    },
    "nycb_BifurcatedOptionNotesUnitSecuritiesMember": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Bifurcated option notes unit securities.",
        "label": "Bifurcated Option Notes Unit Securities [Member]",
        "terseLabel": "Bifurcated Option Note Unit Securities [Member]"
       }
      }
     },
     "localname": "BifurcatedOptionNotesUnitSecuritiesMember",
     "nsuri": "http://www.mynycb.com/20210127",
     "presentation": [
      "http://www.mynycb.com/20210127/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "domainItemType"
    },
    "nycb_FixedToFloatingRateSeriesANoncumulativePerpetualPreferredStockMember": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Fixed to floating rate series A noncumulative perpetual preferred stock.",
        "label": "Fixed To Floating Rate Series A Noncumulative Perpetual Preferred Stock [Member]",
        "terseLabel": "Fixed To Floating Rate Series A Noncumulative Perpetual Preferred Stock [Member]"
       }
      }
     },
     "localname": "FixedToFloatingRateSeriesANoncumulativePerpetualPreferredStockMember",
     "nsuri": "http://www.mynycb.com/20210127",
     "presentation": [
      "http://www.mynycb.com/20210127/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "domainItemType"
    },
    "us-gaap_ClassOfStockDomain": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "label": "Class Of Stock [Domain]",
        "terseLabel": "Class of Stock"
       }
      }
     },
     "localname": "ClassOfStockDomain",
     "nsuri": "http://fasb.org/us-gaap/2020-01-31",
     "presentation": [
      "http://www.mynycb.com/20210127/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "domainItemType"
    },
    "us-gaap_CommonStockMember": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "label": "Common Stock [Member]",
        "terseLabel": "Common Stock [Member]"
       }
      }
     },
     "localname": "CommonStockMember",
     "nsuri": "http://fasb.org/us-gaap/2020-01-31",
     "presentation": [
      "http://www.mynycb.com/20210127/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "domainItemType"
    },
    "us-gaap_StatementClassOfStockAxis": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "label": "Statement Class Of Stock [Axis]",
        "terseLabel": "Class of Stock"
       }
      }
     },
     "localname": "StatementClassOfStockAxis",
     "nsuri": "http://fasb.org/us-gaap/2020-01-31",
     "presentation": [
      "http://www.mynycb.com/20210127/taxonomy/role/DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "stringItemType"
    }
   },
   "unitCount": 0
  }
 },
 "std_ref": {
  "r0": {
   "Name": "Exchange Act",
   "Number": "240",
   "Publisher": "SEC",
   "Section": "12",
   "Subsection": "b"
  },
  "r1": {
   "Name": "Exchange Act",
   "Number": "240",
   "Publisher": "SEC",
   "Section": "12",
   "Subsection": "d1-1"
  },
  "r2": {
   "Name": "Exchange Act",
   "Number": "240",
   "Publisher": "SEC",
   "Section": "13e",
   "Subsection": "4c"
  },
  "r3": {
   "Name": "Exchange Act",
   "Number": "240",
   "Publisher": "SEC",
   "Section": "14d",
   "Subsection": "2b"
  },
  "r4": {
   "Name": "Exchange Act",
   "Number": "240",
   "Publisher": "SEC",
   "Section": "14a",
   "Subsection": "12"
  },
  "r5": {
   "Name": "Regulation 12B",
   "Number": "240",
   "Publisher": "SEC",
   "Section": "12",
   "Subsection": "b-2"
  },
  "r6": {
   "Name": "Securities Act",
   "Number": "230",
   "Publisher": "SEC",
   "Section": "425"
  }
 },
 "version": "2.1"
}
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>ZIP
<SEQUENCE>16
<FILENAME>0001564590-21-002466-xbrl.zip
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
begin 644 0001564590-21-002466-xbrl.zip
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M-TQ15W])?AHD@<AR90Y+>^%6YASU<*\,M%N&*"K5)0L"@@<=1%D".!YW<#;
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M&C,7W*Y*-JE'H?P[, 16F7Y3@4FD9[D^,'_'G$%<G4(7%5N52%DRIJ>FU$?
MY '-6EK+M5:)+TT9R17;U/'JTV9\@?A&Q3A=R&]R,LHG3]K= ;MB&K+N8R!;
MVA2!0HR*M"\N^S]KW.[9=G.2@S"!Z=B!04.0WU_N=N% &@><13;N>XRS N1*
MD_O<OY.S,#M/DQS#EM"(\V)9:I+W=7Y^KORSA48A6FM5N8)0Q76E.8$?J%>#
M3QY>QT4!F&D!RQX\>IBY7A(OI@>6,=L%;"23*AH5.[QT61?=CR";NFULXV&H
M$2WG<C'0?W+Y8<:.IN-$"TX6?8J$WI2$V*D3:0#GL_U0'5MSQD<4]D0)CB6>
M?[D>MH*5<<Y! :>7WV!B+3Z=I)#A8MGN3F5&G#B"RBXM+YUF@4(LM,X7O<==
M^)['Z^$IW:/:54I::F2%"$5CJT9 ^/ELLBB63?:,A-(F&*<B/2 !C\^3;KG>
M)N9")!.WI^K B9]=(8*I]<VQJS@,AT(&-&"^VW.JIY^5F2\+4G=NDF@TF&[(
MU +J U(X<=:I]%#U$.!%29UNQ0:Z%;,]L#C[:'+^VQ@OL[DY5=:K/'//=F8<
M8,=>F$T'8[)BOR95@8+Y-TYR:Q1$SHN^GX7'565LCO4CTY.EO3]ETTM;M@&M
MFZHRB.NTTA\KO,ZYIRG;6&0S1F=O 4EQ+-<UF>' F;S?+N#8A5[UGC&A*6#M
MM=I3W_[='PP_GJ@KIHWIQ;5<J]THXZ%'9>;$GT/,UICMTH-LS.:X6A%FN.(D
M"D=TX/\OJ"Z_*XEZ5:%':? LS-V )X4P&X8_]R7T*UDB(@V3\0@YZ^9)IUCY
M/,6,#/RCG.^[N*P$5TG[8W%!(,[:[;=HX<",,.4]S:6G9 _((ED<1E$5+"LV
MS52/3)Y?P"K"#,&!CV&&2G*,7,Y9UEE)V5]SN31%8%4Y6AC.KH88PS)K<MI4
MZXHTQ]<7 )L:"M!+;TO"GP2;IX*-XYC+( G"7J@2?V3;)P*"\"H5J7#M<9UB
M>C1C2M[Y))=(XG:.^2LN<+$H.KUPK/H1\\UD-M;R)0Y5=DJN5*M4'[F'(9*-
MS#"X= T7%ZCHXN+\M-1%"N%\[I.*YY^>'V1%0'^A 3[).:TDX$Z7^*M[E5C9
MPE >>&S);8RIY&7\M;*B.SXP>54=076<\3AM=,Y:4TXW1K;\;C<=H<\+'7 M
M[0!E?ZE\S&:EJ5-"V*VJ;;9""(PW*'-'1=JJ[U2O>K<LDE^]5%9<G*^W*)_P
MOFQM>UEKG49MBE47]4K17D=UNNP?S#2%OLTR$4RO-K>JNQ<6QUNE MT52<XS
M_O'I@@J3R^I+3E#FU"LH6]$29T%"[7PU_YF-$].G:R\J@;F\ .;,H)1C \?.
MHC0W/G<@]USES)Y,$EJ-^>G:F6J5<\EM?LF:E7RVJK^K>.L \[3D+(ZFE)Q,
MD5R^R;6-;Q(9<[/I4M?8GWI85#Y,6@7P)SZLH!@LRS?>AU0N.TR5X\.0>[T2
MJE_M+H^C]%-%_NY;VUHNB2H;6!(2/.&IE?U*]U-VCPQ)R$LGR32EZ9N5A+X@
M=<8/DF&YLTQ^6QATQS]QAP.T[A"$!(?D6[6+<0M:T<7@^_:3((F2:TR4&F?4
M5 ,J$DIE"W"A$W.:$Y5[B&P"THHNF-3PLO%VMDJ0+9,9E3(F*< *CF78MNH-
M N%E4YEI"U*O2P=?Y?[B[CR8:V4(/A@O>60J+1J3AV'"O/&CD2A,QMF-OG.;
M,O>+C80/V<"+VRGGKE<;,N<^ECLLRT^?M+EW977 \LF[._?N&'U0JY?O(9T2
MQ-0=Y^_DU @3 CI4C]K4.^F9YU##HRHYK-9,ZV&5*:C]K]K^.+E-_>'&B['I
M[7]]-:B,K*TG6K O_XQ5"MZ3"Z7JJZ2U#Q82@ 304H!?)MRE]9,6RDG,NXAY
MOXV=4NG)9ZL8F$!'H'L6T!V.-XRMQ%MUQA][OO45GB_YO<]QHME4;*ZK D9%
M3&Y18M *MMC=4</M]S?JYXNK[KF=!'/KE.VQO__-;E@?'_[#]IJ\X;;TF!P,
M\0 )H\^+4:]A/VHR\6@R>>D#;U MA8YDK3O<+&S#S)"G6-1$':,2_.](9281
MN;R$X4DLLPJB-F_;2UF#@$? >S'@.;SN+#6?R?E9B_,CIR),W5CM!556QN76
M'FL%@9!9J=FX\]J\[JWR6S=,5>3(Z(XXA[?;2RF"/).U>R8RNVE2/W&.\E?&
MN#9LF!%;:,X6#9<[39J>-!+#^#,KN%5??F[%POG)I?GIM><G+,2*982O!9:X
M-'M.VO3V;V[0Q7BN:_%FJVYR/N_F8L]PPV[I.7,4ZUM3(LIC<AW*.-_*_*AE
M8V\L^J.&G@-#3YT30&/OUY7]A)2'ML<MS]4G)^Y5YPO"[&9@UK9YVVW?FTBW
M^(@XILHG'!Z<GUP=?&/G9Y<G2\I_SQ3IGBEO7FQ)S\J:@L">G7([(];$EG4
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M^0>E'U/[J?W4?AW;3TXPI1^3V?C4@+_]Q(Q)RC_6(\>+AI,^2H+AM/+(*DI
MUD53-)PV0$DPG'2)GE$&,F4@;YQM3AG(!@RM7S#1-5.5$:$'HX'V*L8K 8V
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MSJ&5LY@:IN(F3$89J^(#[K(7X$_VHG^=E-="AQS_[$8C*29> $#RNSGKI<D
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MKX.P$F34T(ZAHU=) I* )- H+$&J(%7H+@&I0AL)2!7:2&"&*L@2)PE( I)
M-PDVCUW-">)4EZ2,CQT2T-8'M*D,1D*:=H*8@S2B-*T%,0=H1&EZ"V(.TAY*
M:>3ADP0D 4F@FP1KK&?W/!*96ZD#9I?[,E$)@@1!@B!!T'0(VFV"($&06) @
MN,T07,V"M"N)!" !2 !]!*#MQ9H(0(K01 !2A"8"D"(T$< (1=#1Y>OPB=[)
M"H3)*//C('NOAV=.HYP$T%( (WB6%*&/'!LO "E"$P%($9H(8(0B* Q. I
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M<AB^_@JP;*RNX4VH(]2] .I:3:H<KUVPXCP5/9&F H=\TOW!@O F#$0<4!D
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M3A,9S)U! >OJ@%F!S6RJ[[*EP"R,S94 ;<\!M)@:YGGV 'RKG)V*6_97DO[
M[AB,8C3#OL#T!P)QG*MK,PS\Q<]4/_\;C(C.* 7K__0O?N]3U(0.<[CL >B]
M8-15JAF IQ$680!I0$D/ :6+1C_E\Q$T^ZFX'BGM^6A@2Z.L,PJC0-I:T)YQ
M"W9W#N'U?&Q_85_$LJL7-_)'C1WDRV:]R4Q2F#O*#%,L"[S#.J7%5#0=/O<<
M\#/&GQ=FI?K*=6#V&'^%+91I,<5J@T0B$_\9%;;P7@/\_4Y)XX4"+A1_8S>B
M[7F=)K<P-X WD(RN^]#'F4@+O\KOPI,R.42S:6G0PX&^!,2XC<+:0:^@>(;
M2!+(TP63$?-U,O4 X8--=!OF^!*84'*TN.$M\+Z;L#"<P"07\77>_\#^STC
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M[O\0ZC&3Z(F\%MK:D>--%9-%B,@I<^'%XRA%JMR*8-S.] <>+Q!F/[*/$QW
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MZ-A5>DP]=LE,.CU)HLU00',<0D"90US>OQV[7ARGC*)SJ_[6>)5>$0>(CIP
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MW:+L,MW$,!!QQ>UM[CJ$-]W$,!=OKLO;=9L IYD8Y@*NWN!M=QO3E/06PUS
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MUE:6VJ!4E#4OQ31:O+652S'$?]I@T+-XL[&-UCMA4!<,8G 64V^,W9!%*-P
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M>_GA"[&YX3G2<P-I6Q[7TR00'D'AS>8*-XJD%3E0'C$8?)7G#H* AMQN\BU
MT_SE_[G;BUAY"R@&U7JG<^U%N)8C;=NE,;@PE_="=@LOPI*N&T)YQ&#P59[V
M(BP:<H,7 2^""5N+Z5QXE@Q"2SH.D3&&*;U'ZG-C5P949G<HKP?*<P<1$=\5
MSL1#G(GK>U-K=2>P.]6^_%B-)E769*K&SI,Q@\F7D1?*.+*?9N+;W*! %U9:
MXJIS0^PV$83!5W#.P,>V.C48?.7FRU"OJIZ#31AJ,/AJ3J^I;AQ!<,1@\!6<
M0V;O!7+K@=P"Z5FQ=,(8FB,&@Z_F?$]Z+@(':C#X"LX=N&SG-QP=H=2F8934
MY]-S(],'ZI])=IGDJFB>-7G_\)M(,&W<R.[FQOP-;!E$CHP](AN8-!<KR.^9
M7/, B2[(;NVRLP8VD2,DT%V?=&=+Q_&D;2,PA/C6'R%"=I!=)VLMDOW0W?I#
M"]N6=@@W#]);__ZF]".VR5@(CZ[P[$' MHZ#T"9 _WHUGY1-DHOLYH[-*-HW
M9H+P8AD'H;3<5274QAVHQ>8T==DYOHP<[#!1@\%7<>[ >Z*#211X@MR(R\UK
MZPM=&?A(=5&#P5AT=B0M#XD&:C#X*HYSD2'D1DYN7BB#N.TDY$-TQ& P%IVO
M%1>A+(T:#+Z*<P<ALO;(VC^]L [*8KN#G#UV]YYI99)Q[,AH9?L3Y.Z)P##=
M?M! PGY,QH0GX[99"_(AY&&8;C]H(&$_IF*R4W$8A=+"D2[Z,$RW'S1T;S]2
M2IT7@CXXA[1$\T-+I:.7RK2<#'.%M?+1=R3X.G+Q8QFO/ V(-!(1&*;;#QI(
MV(_YF/)\[ 2Q=&-DDLC#,-U^T$#"?LS&9&?C^?UUOB.]L*T^PR$"\C!,MQ\T
M=&__&G-*SS3UFI) ^FWX]D.6#+-\>M_7M(_H<5.._CXO\U15]<\_N?%KL?O/
M)&N^O/KMU^';YRQ4(B \TP<.:*!B/V@@83]H(&$_:"!A/V@@83]H(&$_:"!A
M/VCHWGX4<5"XTF.HDJH]$Y2J<5EG3?T*T39U^T$#"?M! PG[00,)^T$#"?M!
M PG[00,)^T$#"?M!0_?V7X^VJ_)S/4Z*-UO.5M>1=X\OTUQ$WJ-S-?I[VI:C
M2,5%6:@O8A%\/^XO7235WZH1R6A43I[Y;DX" C=]@((&*O:#!A+V@P82]H,&
M$O:#!A+V@P82]H,&$O:#AN[MOQ[8F\D'Y\-$MB,MRY-VC)MOJ,'@++OY&;:O
MOD0RCM@V&88*R:G0&KA$KL*Y*?$,FN8O_\_=>6'C6L'P94M[%+9T7%OZ%II%
M4(/!678W>12Q=!UX%-1@\%6A]BB(7,H"CP(>!1.VOIW:8QGY(7I1$831&PVZ
MKHQ]M-VA!H.O_NR!2R0_"\?B(8[%]3V0M;H6*&EL7WZ<7&;%6<VWTI#OD JD
M[?G2=Y[HXH3-#0IT8;TEK[K8QH6^U&#PU9LU\" W:C#XRLV7H>]+RX7FJ,'@
MJ[E0^C&1Y#CTU@.]60-_U27$AO$$N1&7FR<CRT)6F" ,OIJ+I0<7CAP,OGJS
M!B';:AI"S?[ZEY]_IZHF.\U&2:-J49XN>OT]9YK^Z_MI<-'QD^U46C(,?!EY
MJV(]XZIK<-&V*?IS(FFOU!Z4!^4]4XV&M>JZ6N@.NGL>W=DR\#UIQ5 ?U+?^
MO)<GO0A)+RBO@_46"7[HK@/=>=*Q+.D$3U22!O5!??=77^3)*(2G!^6M/[-"
MY@P"Z^Q__Z[Z.2F;)!?9;1?^H%C?G"DB:NNFI;_2-4+R'[)[\AR$Y<$;IP:#
MK^"L08"4%S48?.6FE]7 LV3@LJV^@>C(B2ZPI6<AP4H-!E_!68,(Q:S48/"5
MFUY4(U\OK#8"!VHP^(K.UJIS B)=9Z&X/BAN$+*=X)"U[U!8OY=557Y6J3B=
M%.FS)NFQH?=,4X,O7<^1OK<JEX5L/?3W7!T!7!D%*&6 \CIPBF)DMJ"[+E9<
MVXUD%"+1!?6M?[WU9(A]2RBOD_66;>D@=$=8=ZX,O&FS.Z@/ZEO[>AO+V,=1
M="BOBU)]MKI#TI]>J7Z>)<,LSYI,H5K?G%G"\Z3C1]*V5OGFR/]#=D_=KR*4
ML8T:"&HP&"MN8+&M@8#<R,G-<V6H8S_?9NN#0W3D1&>[@;0#*(X:#,:*&S@H
MWJ &@Z_<VDHURY-NB!U,:C#XBLZQ(NG CR,'@Z_B[ '?/IY(W7<HK(.RV$:/
M'?,G"%<ZCBU]?U4O "3MB< PW7[00,)^,VG@.P<[,HX=:=GHQT(>ANGV@P82
M]IM) ^<9.(A<:>/X('T8IML/&KJW'YFC#N?:P^9<5>NJ\41)^#,=1K CO63&
M2!K1AV&Z_:"!A/V8BJE.Q:$O'0]'$LG#,-U^T$#"?DS$1"=B/XYE&.$D"GD8
MIML/&KJW'RFDSL\-XYBPB:ND%TD[CJ3KK]IK0?*(" S3[0<-).PWDP;&DW H
M?2^0(=]F[L:*#F.?)@S3[3>3!L93L"_#*)2NC<P]>1BFVP\:NK<?":,.)]OC
MIAS]?5[FJ:KJGW]RX]="_3/)FB\H/3)OX0S:MN/27WGM&?)'1&"8;C]H(&$_
M)F.ZD['CR,!!3POR,$RW'S20L!]3,=FI.(@MZ2*E3Q^&Z?:#AN[M1SZ)4@&2
M2 I-PWE2J:?),BWQ_M!BZNC%-"TGPUQA-7TDPR_$YH;OR=B/96SC6#AY&*;;
M#QI(V(_YF.Q\K&=C)XBE&Z\Z=<Q5?X;!,-U^T$#"?LS&9&?CGW^R ^NU\!WI
MA:$,8K11)P_#=/M!0_?V(^O49<]MU2POR]0/1N6%^G7Y?94T2M3C2B4IN]-P
MO,;0TV^BP;-Y<L_&M=IK)5==90H-0H//=M\VD4,!-ZV[H&G^\O_<O<Z:7X=J
MNOV8Y:@.G\5*ZT2VC")4K4"#7:RT5([?8:7%2FNV_9CEJ Z?Y4KKM=EZ-*B#
M!M>O07L0$:FBPDK[D)7V>N)_K6LM4O_?I?XODNHL*Y#EIVX_:"!A/YP"JJN-
M,_"([+# *4#X;;;]6&Q(V(_%ANHLY@P<(I7C6&RPV)AM/Q8;$O9CL:$ZBSD#
M"^E.^C3=,]U9E9_K<5*\V7*VNJ:N?ZG/CTF3E:(\7>8_MU52%5EQ)I*Z5DTM
MFE(L^'O<7UK^@:'^"^T?N'; ?[:#AIPK=?M! PG[00,)^T$#"?M! PG[00,)
M^T$#"?M! PG[04/W]E^/]L$'"?M! PG[D6&FFKJT!W:'3=>?B113<I+_/BH1
MN+EAQ-CO_=Q% X;I]F,)P1*")01+2"_G+AHP3+<?2PCA)<3!$D)M"7E@E[[-
M#9ZCGP8,T^T'#23L!PTD[ <-).P'#23L!PTD[ <-).P'#23L!PW=VS^-1']M
MDF&N]-<TNUS\.WXKIO'J])OI/],GK4([_YG^_L/.T;$.DW4LG2?C^K8LSBV
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M66QWD&% +O*Y#EE85B2=E6L3,@U$8)AN/V@@83\F8Z*3L2<#WY*>P]9SPQQ
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M=_^99,V7!_K\9,?7+2NT\0! !!$ 7(@ #D(XL#BN:W'\0XW+.FOJ5UCTZ ,
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M O64!N P'@"(( * "Q$L<""]UL4IH=U_QZJH<4S(%  @@@@ $$$$ !<B6.#
M,:$.U_7%HKX]5$F5%6=B=*Y&?[</OBOA2T:C<O+,]7LHIW_JW>E(QE&$E#(Y
M' PU-W]Y+%T'BJ.'@Z_B7%?&O@W)$<+!?2OF]I(OL$6'K:L:O9!$C1[BC^_.
M#"67.MBHE\'%[,0[I['%=O%=#JY QO:JHT&F<67^ZLM6<_.7A]*/42=%#P=?
MQ<72<S''4<+!U6==>*PQ(@P#V+J*,)P0$0;%"..=JIKL-!LEC:I%>2I2-2[K
MK.$TN-@NOLO1Y432]N#QT</!4'2+TQB>]"(DE>GAX"NYR)-1Z$%RA'!P]5N7
M9]=O]UI!%QVZKL*, &$&R3#C][*JRL\J%:>3(D6/,S-'5^C**, "#/5UL:?A
MR3! O 'M=:&]6,8^TBN4<'#U9._NX@NVZ+!U%7=$%,*.GA_"_*;'F9J=PT2L
M8=*(FK_<MD,9VZMN.6#<Q@.=IKI6GQM(.^BEPP?M==URRHJD8_=2>V1Q<'5?
ME\&&BVC# +JNH@WO=L*PR]'A2#J87N7RV![+9 <6V[5W.;)<JXT[<*<?/1P,
M5;<LWK-E% 70'#D<C#7G.=(+<8LD)1Q<W=;%$2'$&.:0=<_3&L^>A.WYCL91
M55YF=586XK2LQ*A2:=:(O*R?^<)Z)/>>;5M#6NX3>7HZ9L&Z"]'=9S=#6C;"
M"WHX&$M.AA;N(Z6$@[F_NFW[""\,H&N9:/4]$A53V,*XQQ:&2$[U]V+\I,$(
M"@W6/@8W-[X)\N- 1OT\PWN#GJ##CE)-022C?J:BH4(Z*O0L&0;HRTP)!U<G
M>!$DXR)[$]BZ:K)#KN@*\\0J',8# !%$ ( ((@"X$,$"!PXVKO%VR8.RV%[>
M,+DW3<OA@DE# ( ((@! !!$ 7(A@@0/;;1TN[>^5PD$A<Y)!\Y<'TO(>>-W!
MY@9)KKA,;7PUYTO'Z^4N&7$<?!472@M5?*1P<-UC6>R(H8C/!+:N^A#8N#:2
M9%3Q>U+\O5U^+E0J\NRTC3#J2944(P091HVO4#HQ%F!Z.!AJ;JDX/\!1(7HX
M^"HNDK:-LCM*.+BZK<OF60@R#&#K6I!Q>YTD@HR.3PJ]G)W_^46<)3K&$&4A
M:C6:5%F3*=Q5;^!@LQVLQ:1P6$P5-W_Y2R?R?H'B*.'@KCC7@N HX>#JP%[E
MR+&K80)?5P&'C[OJ:48<A\VYJN;E4H@NS!M9MO1QQ!;GNSLI+9".AXT-2*\#
MZ3G2#;&+2PD'5Q=VV5$% 8<!;%T%'"Z),JJ>'[*<W1Y9E,7V-^W/9I'&@^,-
M-/DA--1L7UIN+R]76XXVB*^S-LP];3 %Z74MO5!Z 4(02CBX.K7SE^.R%Q/(
MHGR0 _,$.D 8@,-X """"  N1+# @;1;5[W-=O\=JZ)&<S-3 ( ((@! !!$
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MTO-[N70_[%0OU/B4:K2M4/I!+TOP(;_NY3>?#&-'QD$OYT"R.)A[Q$&,^,4
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M  V5KE>E<^]^8#D$/"DL&;<N&9L;\T5C$6!CX> ])*V!@[PK-$I<H]&M&D4
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MD=:K.E(95Y%TRPQG/  0000 B" " $00 0 B*  PLQP=DJ(- $00 0 BB
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MGO3\5<=O& <%D!\%^=E1!#>-$ [F88&%H,  ',8# !$4 .#P%T$<Q@, $40
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M_(CD6.<R9S$C H%.Q\U<Q$B_:Y4-)TU6%DC0T < (H@  !%$ ( ((@! ! 4
M';7"R-7I=T <;_QOO[RLIA2%:GVK^0G5B_D)U76EBM&S#"5(+ ;2\^X68] \
MVZ!9Q\%'%"/UI\2"[U Q,4F/:B3"0X59( ,BB ! <T6".(P' "*(   11 "
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M1E6HK1J^?5]6HCE7XN2SRB^5V-?O=UZ+W2)5Z1T556L4X6/I(C,O/!,0\Q&
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M^-N@[+4C@]B3GK^J/@XG4Z"[I]==&,<R#G#\FQ(.YEMUVQZVZ@S 83P %D3
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M\"O$ A%$ ( ((@! !!$ (((" #A/:W3%]Z>':=_/#M.VK7[$T>(0+:Y]-P0
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MD+!)$@Y=Z=O8D*6$@[L+;J-FD!0.[GIS;]^-76/(!^'=%X?Q $ $$0 @@@@
M$$$$  LBKJ_:VE.HQTGQ9LNVGOTRBYYG;5_:OXB]8I1/4E6+%W8T"(3^N_FT
MF^X+QQMXBV^G[71?N-:UGY2G7YVP;I)_,W&ATF3ZV^U*Y4FCTOG!ZZ01?ZB1
MNABJ2KBV%([E6'(6KAZK<3/_A37[Q?1O??-T.Y;M?2AC-6JR2Y5_&9C@_CG>
M^%^,;0I,8)(%$;1P& \ 1! !P(((^'_=^'_.=?\O&/C7W+_PRAF<>7^V-7"O
M>W_5M>KHK[V_6QP^<6]?;^8:_K##MT[E,!T0:X35-1*XYU@#B>$P'@"(( (
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M-*D2E>29)6(YDVE>3'199(DPJU='S2I53J/ZUQQOJ&0<RQ'(R>D ;2:X!-I
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M6J%R$<YD&5Y)D>9A5HGF%8V,H^T!VTR?[K*[MO,KET7IF 0X_LC93<B98Q2
M,P6XQAAGCE$ SA3@>@".D@[^P/DK@<.,)D$=Q@N $40$P @B F $$0$LC)@?
MM5^J<)1*O8V3V?+Q]EWSE^8/\S<UR5V^II\?'YQ_T&F%SCW2L*A672ZV0O%]
M6CHBDFE:%6&49%?['7OQO CC^.;Y*"]C6=8_WF8A^NOU7V3['<=>:P.X5%X^
M7PYIR@3NCK,KCK(HG<:R$BK\G(B)C,,T3?)L.8.;7XH77M<3>G?2>4>+%SM.
MU]V]>UXWM=#OZ-V]4LJJD)%*9C*]ML1E7@HUEOI?*:68Z-T=5T)FL8S%&QG)
MR4B6PG,LX=JN;8D/LE#+U^R;U^IO^,=;G6#QO8[3#6Z^>/F*W74?W)5/,IT]
MM"_SC]O>JK^K^YAL^I;C?NL8N[WB\_=P;'#4OW__C0OZL(&JC'N'^!H.59M^
M8-*'F(MOCQB%#N@R4_JG.MYKP+*],,NF8:KW(1:CL$JJYF!];Q(E]'^O]=M"
MH;_Q<K]SY3C#_K"?YE=Y][_%E1:33*Y$54;?_DJH1-4*,_GIXW5>_N]CE$\F
MTRQ1UQ]'81;E9?$Q7;SQ4Q*K\7ZG9VMVQK+F5'/D!5_G1"_#^0[?[I)8/%L"
MN<3R;M=?OQSE\;7>C-4DU>_[/U!+ P04    " !103M28>?WTF4%  #$&0
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M__^PBP8LJUWL2CFCHUNIW5P6P)GS=X=E 0#_D<^(E%45DXCB>7$JLF+<8UP
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M(Y^K7Z]:"?564T8ZE,VZ_5[OK!N?W8I.7QV<_WJFSK8N+BZZZJ^;4SE..U'
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MC$\J, @H>%%HP.2-7:Z"@X$8K1+AP2*.#Q9Q@,!EA":,7UK=1+4G[KMW3G)
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M5XY#FM@L($T6,/'$;"WJM2>! D %-Z@,V\+A%ZDIK.$;S1/=C*GKV0Q@4,(
M+#55WYXTF*Y<R(2%<55W9+5G>NZ/\)4B!,Y"-\QB7'<0I.7(9\&X?H<&;=5Q
M7()-=*1-UIAJU*743VR#!0E- NF+6> #9FE=[RF#)=# *,TU$'(19..BI'&$
M3&R05)5;"R#B5D)UEW(K2&Z@BG .Q=DF;&CUDEM@2=(8@WXR2]A29'#*&:C!
M!+?&#8 ??][&<]-S[6S&TX&TDX&+"A/@PQ*0]N5-HPK)S1<V2ZAN#80 _31*
M;A.7)C7T!JX4B]J%A0G-AJ#7?LS@\CFK,&F4R^6,*AU+@!0+9;><@=*XXHLN
M9Z4<B]LT&$LY#[R<:127Z86PQACF@"=!#%6-S+>[WUM6C_5I>EZ9\.&B$0S4
M/*C?4;U/JLOD^I.J&2FH&W0\T5?*'7O*IW4S;1:F.DD##68ZBFGRLWY*$RHM
MI@\JUY32LHS:^+_/)%5F*<W^.>!/%ZFJYTKDSD>0BA2QPJ>+E&1#F5&M20;;
M22X=!C]0::9+/_X>ZTP-ZD!Q)BX_S\0CH;5H_ 8&PP7K*ID@3VB/3"T?VZVV
M9X\NSVW^1 (Y<MA%RN:![] 1"C!#H/_MG \KV!T3^!0^<MMFKGI4SU"W$8HQ
MX2!_MW_7\0\0X](^=LEXY0J,L8T&^=:AW6B*0]ED'9B\JEXV=+V8'4]I_"-U
MV:%.P,XS,^/\;&QS>NR:"X@956%P09VZ:[/A%S9:#X9):1(@ZMT44A NP3H,
MU0 +(EA1HBJ!8GL8DBBIK: :O$@%O.\[* /J74\@1(K&8P(/ SLNIL(2'E)J
M9=E=0WVLJA4NSS.S\YG@86[B(2X";R FJ% N1B7"OR+;S_"OVL4-F:)G]"Y^
MR6U\W>' XPHHEBC/U?J766+.-XY'RB0,%8WD ]T]>VYX4&-"HN-X.?$8XTXF
M9;-M0"(6M(A+9H&9'CA^%R%Q-<1&7E!+0M\HBU6'!L%]IR4]Z\?5D =QA:K7
M[WNN>GW'^FTF]H$D8TRS+L(>OPU?VP#"T'>XQ64(,;$YU KCB6A6E87S3EW&
M55[,_#R3V/T8IDP24!^4>U!E7?,.2#K4L.]]M),-3[+@J\MEBX%?Q"5GP0=A
M*<1&965T'/EL/3Z[Y4-F/WJWC@?NF-MM0MT6#,R"JX;G0N@_<"AF"!Z8\)D<
M4.=!F27![(^DU10+;@)3'X<[(Q=FRE\)G;O8 3[/@*\,_^&7'[O,V#A-'=YU
M*Q9,EHG/?2JZW$VW/2F]?D7W9?Q&>KYZ5$VXB]Q0T3]][@ $Z6>&N9E*VW/L
M\$7 _\4JA@'5U6.']KDSJCP""P2DP9Y)T^M3-ZJ*D(!;"M&)$W8^#E>4)Q_6
M>J*"4QB11!53EU\;]<?:#6D]7CW66N<9__) YM6J5;\VZX_U6HM<-6Y([5OU
MKU>-WVJD>G]W5V^UZO>-+4UV,K?4Y1\TZ('$2<\](S=:52.FGL^5_^M/1D'_
M_ ;#;W6@71#U]KYY1Q;'?-GIF"_._TY%U"N&>J7TE_D8[PUP^ '(!Q+9K#4>
M2;/V<-]\G)_8?K/[&NB)4!M-^Y<P]C 0P0!>$>D1<!C5XH21)9X@1O[$/B5>
MA\@>(Q-?DM2&5H^Z788+)%ALE+.Y]ZYJ#IS(:K4)2-5DOB<D.8F?&07?A 62
ML"=<QQ*JF-FG%7(>^-2=F;O-+$^HO&1E ',2F+2$KI<HRUR2LGQ0SE$M=)S6
MTIHD3(Q>I/A05FQT2*%MSZ:C$4R#N:G+OU%W0,6(F,4SM6#U4L7BI(Z:=B.:
M=F4&6<P?^LL$:I-U>8  R :4K&=4&[4_R/?[YA?E@*'3^9U<7S6J]\V',U)O
M5+6W90=%@O(;R_E);4A!*2-64;S%&)N$!B3PF85AH4VX2[@,"*AQS->?;M=,
MAK',N:1MAY&V)X S+E) >HLY#A# 4NOOT;-/;3M^G@&F0@?2^QRV3EN>XU _
M8)7XQV?RS&W9JP!K?/JL5D&DBJ.D'?<2EINFEB]AC?.,M),J&"7-6%I>UDKF
MT@HYK9A=5L&$"H7I"ID(U!C@)\5ZP(:>/\9!A+:8(H'G<)OH6C'O2_*G4)3"
M:?\*$T>/#NM(]3Q+97RQ0P.V6(GD7RJ1N@N*R(]TD4I=5,-ESZIGO][DX/H=
MI@@D\X7WA&.BS;EA#GT&\Y/DSD_QP+I455CQT:S).<INBHY+;8*BL3XGR[\P
MG8_.I(673'K+'08UVTRL9^5PS3Y?R+\[?DNV#T>>>C5/%5_RU",=UJ/DKZ64
MWVL83"^DC6RQF#7-93RVCME"1.^>=*6W]L64Y<% VH, 6I!_0/P<V#R,L,$Y
MX]-62E437>KR?ZGGTR7"\;[,P<<D/J[Q\D#MU$1%3T)!/!+U71/UI*XUM99&
M:GW?\48@TK/*EC0\[31!1V94Z',9K^H<TY&OLW>EE_;NRK8%"X+HW^_<9<9Z
MMJY@Y,D=$S#2#W+UQ-S!"S_^;$E^J[P0HBK\O!>/WK.['CQ_L$"V!V*T!A1&
M0A8E@D(9H'OQ .$*5_L?-QKY( ]\]\2/>5B7@&HL!/7!@_Z=_^/^VB':I6'D
MR_H.5E/6S/*\6NE$&$*7P1= 1^Y3A[ ALP:XI ZO0?^PX$42Y_TFQC^67C-F
MMI&BXK@2C*XO!B=YHW"ZABS.K&3^[EG4>>@!_*^)& JE;#H'I0<LA).\]'\'
M1#*'^8@LXBILG:$O[PPP<TD@A*: /)L=D$"^I9PT/$FHCQN T&DZ( ZZA5_@
M,H:I>:',*SS24+D#!W5(N*IJDP"--7%H$"_([2$K8;>%R2A3XRX<Z*V]]:D5
MZW =A E KO]RN3N<NF&>M,>KW5<6]+2Y99'"&T]]C]9?XB@RQ-JXU[!^-JME
MS4^?GWM<LC3"@I-]%M1_LS@R61.LQ*JO)<XC'J )%]^M'K%P0^5:8H?RBDNK
MZ5X(.SY/A>4M%9;CRXB8XT8+<;:7P?;2G,0<-\4S51,I:N;4Y-595#67^,UC
MQ"'Q\_4$'Q.NS'TZ:!84%*>^ ;.ROW,,1GT8[F25P&BSTO0>,EE'X=H>XS6B
MS1=*O;-HK]Q!BYKG$C#A,-N)GW44NE6$;I5%M!E/Z8#%9G&F8B;-&GGU(\-L
M*T=J2:9BHR<1PTI$U3HC?]8UW2 ^%4BR 2,^'M3IO6X;R ?0KW@L>B!&I&7U
M/,]I>]Z/+?&*.9-,B]R<EO($WHI1&M^KUT<NV"T7Y),T1KQM_2<;2S?)#"\6
M4= =F%\_"77*>%?]KVZZ^/#VPM2W92]^^>SQI#$)6Q-L3K#Y^( %'I&;3^('
M@S$-I[";_S3K1)GZI\]X P>WJ!.16>TL:-V1\PQT\2(?OU%O:J<YKI59W#@,
M%C>VR>+;.O:L^@6TI^.>"79-PK[)%9GIG8R[)^/^%WA?1VN[0T[,;L7A^F5-
MBUX8>?CZLQ7)HP9\KWR7VQK?;4O]A2QY==16.^2:PC8#@U]56IN*%HX*[A!8
MM;AM5MV2GMM2S+O#3;3_& 22=T:_LL="?V/)J?88H!=W,E#?%YX/Y1(7_X>D
MS1SO&7>;8"'N22&E]!?2X0[ZXSP@'*^%M,'7EAX).#"!I"[S!H$S(@'P0] 9
MJ991 Z\-&*+QB08LF#IRJ@X!$^J.XK*.Y\#@V [WD7+<'1]4-GCX5%]"S[44
M85G+&Y]F!DH753YE"4E;K.M!*%\GH1>R<9(NSH_/N$)_@)H "F)V:N!&&].#
M7]OYV\9L'07226 @Q&^YF,M]GI?9$.T1\J?/AB_C^]1E!"\ . WPS#:=YL!A
M)&?F(X::NXT"+Z$X,8JD>MLD9E;7H.+I@I/=!\P#LQE/3]V?!8)V!V(/G2SS
MB7?- !-@23^"]B7UC1Q-&^84 \S<03(F?T[7PIH?D -F7%NPU:@!\(94=4$1
MJG1QW^FLN;/W;3D!@$Y;4U#_5"<8.3NM=NVMQ!=AW0_(&<4EG%$/@@$3A\H?
M69;.X=<+5N&/J.ZK^>-U;LG[=C/KKHW8!\]R1"SE<@*H/\ASCZD3KW/^('B7
M0&H@'<ZF2[K">Y8])**//B(-B,TZW VO)PEMOIY/N'YJ<NM4EIS$-U8IRQ]7
MY^IJ$Q^O-L&MUB$OF.VTN>)E5E/=(F=,6DYUK+W8'KQY4AXFT]06,,!"33"O
M.9?INH1#@O%XOZGAJN%H;Z'F?GZ_T)%/EBF7SA)U@4=N$G4/?Q&&]D"S, <$
M&C2+ZRGK, B8J@7 1,$N0L25R(>7MR+)U5C." =_YC T,JD+TX42P2!\A7:=
M\7=PJ*4^K8&5\6L3-A5V$(:Y=O*I [!.)W1\X&!:#6GKB,*8]S9GM7Y^:CPA
M<=(3DVQUEZ7;@M$?:=H!55FASC,=!='G);8-VHKR\/X.1JU\W]KL%9CDOD'4
MG:;JRM%-NS;+,FB;[78_3K&\W&A3ALAB?C%EHTGW-V>TNF1]8FJZN<+*5(@#
M77NQU6CS*%CCEHH0JF)6*[X!7'NI YHL&#A2G1F_!X,6!4A@EJ:^W%;UP()B
MP91:6 FQ1D$KOP'/_]J&Z;>1R[69<I>B GH."7V1,E/+$*=KA<*1ND?JOA>E
M>.^2^8M_S\AXH3%:")$C<DW5A5O1=RI/T.M.Q='@*>&8"+,)10\?#PP[C 8L
M.G^MEL9 FTZ\?1'I5XP2L"/9$XPI_2J?F?/$B+J:&.(.%5W<,"O\LD;64/#I
MVG0&[ I(YX_7R&:&QXR)E!3"&QOS([5AC[>Y)&5@?XPD5$(B!%$[RM$ARM%[
MT))O[IN6--TXLM(^DVEE/_5>Y8EK>/E\D."&[ANK'Q79(2NR(W7?@VY)=/?0
M<ZK&"TFNZPU<"[.Z/2J5XW;M46&CAW7#!;.D)W"MR7*H4![?GW7-**HCG#9W
M!I@FML+#GNI$)[S$'*YKGQ&?CE3Z"2_U9&VA8# *(0QJOQ36[WD.Z+<@O'X?
ME)[RW.!AW")J$"X@'67AT&3A/6BZ-W?9RD>7;<_)M+++-DD@CK<7AYG%*#H]
M^G&'S)*;UV[;.WFR&T$ZL9?=W7YDJYT3Z&I11HT'21DXE19LCV9<3.^E#XK^
M7YB*VW"J,"FS]]:'(0YQF?R\+4AF;H_.<1/#OE"G]NVO]>OZ(ZDW;FK?=KZY
M90=#[NM^!R.K%0_+'JS.DY&QB+_EL>:J^18]V_4Y;#60P3\I?5!BW[# $MQ_
MS?Z(8DXK;0UMKR?UZF[Z-F5\6ZRZK]*UFIM=RFO&UMSL]\XRN]$4TZ'!D0W?
M+1G/*8& JW.1L@VC5"@5;#8LEPVM)_MK&(,']0&6M6-";6PYZ"O388<K5H:>
M^]!2=4VM'UWA 9>A8^Z)RI]NU=\FLE]1A]$GV79([*KWQ 1Y@%B:U#%4I9:Z
MVNN&2AI^%N\$DQTV)C[PA 5WE435710[\NVZ^3NQHZ_&GVX_#;*#R/!XFF+O
MXX!6_;?&U>/79NTC)B%>-V1.I8QW2-R'J=-6X6&P?PZXB):J5CL">I9TBLP>
M."-BT4&@]A:,]U[B,&U& I $*  _ !/ ;=:C3B=V$A1'115Z3+"!"VU4=W0@
M>YX --G:,=DT;SES6O[ W%$P?:Q"5O=\BH?F_ZVL>%]XT^NF84S W1[&U"N[
MC;FR5CZP[%NC]@?Y?M_\0JKW=W=?&_7'[^3ZJE&];SZ<D7JCNG03^VI(,TW-
MW$^B'QEUQ\FK(P,=&>C(0.^,@9; ;&CEP[*.*[M&F2!#6M1YHM(3C/Q-(S?\
MCN(Q-6]M'ZFDZ4?).TK>?JKNW8CA(LDZLN<^P?QAV?..NK2+)Y+CLRQ'SMPO
MF#\L9\8,B2?LGU@@\>H]YDS=/=*"?B3K<HL\.-1UHR_0[MFBSGFF[=DC!4E/
M]AWX\?]02P$"% ,4    " !103M25V[]43S4  ";DAL $0
M@ $     9#$Q.#8X-F1E>#DY,2YH=&U02P$"% ,4    " !103M28>?WTF4%
M  #$&0  $0              @ %KU   ;GEC8BTR,#(Q,#$R-RYX<V102P$"
M% ,4    " !103M2SGF=474&  "6-P  %0              @ '_V0  ;GEC
M8BTR,#(Q,#$R-U]D968N>&UL4$L! A0#%     @ 44$[4IGHHH;["   W6(
M !4              ( !I^   &YY8V(M,C R,3 Q,C=?;&%B+GAM;%!+ 0(4
M Q0    ( %%!.U(#?)S]' 8  )$Z   5              "  =7I  !N>6-B
M+3(P,C$P,3(W7W!R92YX;6Q02P$"% ,4    " !103M2S[4O[T(2   [M
M%               @ $D\   ;GEC8BTX:U\R,#(Q,#$R-RYH=&U02P4&
/  8 !@") 0  F (!

end
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
