Because all companies do not calculate operating earnings and cash operating earnings in the same fashion, these measures as presented may not be comparable to other similarly titled measures of other companies. See page 10 for further disclosure. See page 10 for further disclosure. Net interest margin excludes negative carry from escrowed financing proceeds and reduced reinvestment income from net proceeds of equity offerings. Efficiency Ratio equals general and administrative expenses excluding merger-related and other integration charges as a percentage of net interest income excluding the negative carry from escrowed financing proceeds.
Book value equals equity divided by common shares outstanding.
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