The Association is a community-oriented financial institution engaged primarily in the business of attracting deposits from the general public residing in the Association's market area. It uses such funds, together with other borrowings, to invest in various residential and commercial real estate loans, consumer and commercial business loans, mortgage-backed and related securities and investment securities. Interest income reflects an increase in average interest earning assets, offset by a lower net interest rate spread.
Net income reflects higher employee compensation and benefits.
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