Legacy Bancorp, Inc. (the �Company� or �Legacy�) (NASDAQ: LEGC),
the bank holding company for Legacy Banks (the �Bank�), today
reported a net loss of $591,000, or $0.06 per diluted share for the
quarter ended December 31, 2006, which represents a bottom line
improvement of $4.9 million from a $5.5 million net loss in the
fourth quarter of 2005. For the twelve months ended December 31,
2006, the Company has generated net income of $2.8 million, an
increase of $5.0 million from the same period of 2005. In addition,
the Company today announced that to fund the Company's 2006 Equity
Incentive Plan, a trust was recently established which has been
authorized to purchase shares of the Company's common stock in the
open market with funds contributed by the Company. Purchases will
be made from time to time at the discretion of the independent
trustee of the trust and will amount up to 412,344 shares, or 4.0%
of the Company's issued and outstanding common stock. Stockholders
approved the 2006 Equity Incentive Plan at the Company's Special
Meeting of Stockholders in November 2006. For 2006, the fourth
quarter loss is primarily a result of a partial balance sheet
restructuring through the sale of approximately $64.5 million of
bonds which were yielding an average of 3.89%. The Company incurred
an after-tax loss of approximately $1.3 million, or $0.14 per
share, on the sale of these bonds. Proceeds from the sale were
reinvested in securities averaging 5.57%, and the transaction is
expected to increase interest income by approximately $1.0 million
in 2007. Furthermore, the Company incurred an additional $659,000
in tax expense in the fourth quarter of 2006 as a result of a
reevaluation of the realizability of the deferred tax benefit
resulting from the contribution of 763,600 shares of common stock
to The Legacy Banks Foundation (the �Foundation�) in 2005. These
non-core items were partially offset by a gain of $605,000 on the
termination of the Bank�s defined benefit plan in the fourth
quarter of 2006. Excluding these non-core items, the Company�s core
earnings were $855,000 in the fourth quarter of 2006 as compared to
$1.3 million in the same period of 2005. Year to date, core
earnings were $4.2�million in 2006 as compared to $4.5 million in
2005. The total shares outstanding resulted in a book value per
share and tangible book value per share of $14.55 and $14.25,
respectively, at December 31, 2006. The losses in the prior year
were primarily the result of two non-core charges recorded in the
fourth quarter of 2005: a $7.7�million charitable contribution made
by the Company to the Foundation as part of the mutual to stock
conversion, and a restructuring charge of $2.4 million paid by the
Bank to the Federal Home Loan Bank of Boston (FHLBB) for the
prepayment of $19.5 million of longer-term advances with a weighted
average rate of 6.64%. These two items were partially offset by a
gain of $905,000 on the curtailment of the Bank�s defined benefit
plan. Legacy completed its mutual-to-stock conversion and related
stock offering on October 26, 2005, with the issuance of 10,308,600
shares, including the shares issued to the Foundation. J. Williar
Dunlaevy, Chief Executive Officer, commented �We are pleased to
report that Legacy generated steady deposit and loan growth
throughout 2006, including the fourth quarter, despite the
challenge of an inverted yield curve and an extremely competitive
retail deposit market. Pressure on the net interest margin due to
the inverted yield curve is endemic in the industry, and Legacy is
no exception. This was mitigated to a great extent by the capital
we raised a little over a year ago with our stock offering. We have
continued to closely monitor the net interest margin and have
utilized certificate of deposit specials to grow our retail deposit
base while at the same time reducing borrowings from the Federal
Home Loan Bank. Consistent deposit and loan growth is integral to
our overall long term growth strategy.� �We anticipate completing,
relocating, and opening our new office in North Adams, MA late in
the first quarter. Our new office on the north side of Great
Barrington should come on line early in the second quarter. This
current year, 2007, will be our second full year as a public
company and we look forward to improving our efficiency both
through revenue growth and controlling and/or reducing various
expense categories. However, one negative contributor to the
efficiency ratio will be the expense attributable to the Equity
Incentive Plan which we have elected to do on an accelerated basis.
We continue to emphasize growing the company and the revenue base
over the long term.� The Company�s balance sheet increased by
$30.0�million, or 3.9%, from $778.3 million at December 31, 2005 to
$808.3 million at December 31, 2006. Within the overall asset
growth, the gross loan portfolio, excluding loans held for sale,
increased by $31.3 million, or 5.7% in 2006. In particular,
residential mortgage balances increased by $17.4 million, or 5.6%
to $325.4 million, and the commercial real estate and other
commercial loans increased $12.6 million, or 7.0% to $193.9
million. The investment portfolio has decreased by $3.8 million, or
2.1% due primarily to the bond portfolio restructuring in the
fourth quarter of 2006, as previously discussed. Cash and cash
equivalents increased $2.4 million, or 12.5% at the end of 2006 as
compared to the prior year end due to the receipt of funds at year
end. In the twelve months ended December 31, 2006, the Company�s
deposits increased by $43.8 million, or 9.2%, to $518.2�million.
Driving the success was the growth in certificates of deposit due
to the Bank�s promotion of CD specials, as well as increases in
LifePath Savings and certain money market accounts. Advances from
the FHLBB have decreased by $18.5 million or 12.7% as of December
31, 2006 as compared to the end of 2005 due to the success in
growing deposits. The overall increase in stockholders� equity of
$3.8 million during 2006 was driven primarily by a contribution of
$2.8 million from net income, as well as a decrease of $0.9 million
in the unrealized loss on available for sale investment securities,
primarily due to the restructuring of this portfolio, as previously
discussed. These increases to equity were offset somewhat by the
payment of four separate dividends of $286,000 each. Stockholders
Equity was also impacted by the release of 54,979 shares of common
stock within the Company�s ESOP. Asset quality remains strong at
the close of the fourth quarter, with non-performing assets as a
percentage of total assets at 0.11% as of December 31, 2006. The
provision for loan losses decreased by $377,000 in the fourth
quarter of 2006 as compared to the same period in 2005, resulting
in a $12,000 credit in the 2006 quarter. The full year 2006
provision has decreased by $608,000 as compared to the same period
in 2005. This decrease was a reflection of both the difference in
the amount of and mix of loan growth for the respective periods, as
well as the receipt of loan recoveries in 2006. The allowance for
loan losses stood at 0.80% of total loans at December 31, 2006 as
compared to 0.77% at December 31, 2005. The Company�s net interest
income decreased $478,000, or 7.8% in the fourth quarter of 2006 as
compared to the same period in 2005, but increased by $1.7 million,
or 7.5% for the year 2006 over 2005. The net interest margin
(�NIM�) was 3.00% for the three months ended December 31, 2006, a
decrease of 11 basis points from the third quarter of 2006, and 31
basis points compared to the fourth quarter of 2005. The 2006 full
year NIM was 3.15%, a decrease of 7 basis points compared to 2005.
The 2006 NIM initially benefited from the increase in
higher-yielding commercial and home-equity loans as well as the
proceeds from the 2005 stock offering, but also saw significant
pressure due to the yield curve being relatively flat and then
partially inverted during 2006. Non-interest income for the quarter
totaled $147,000, an increase of $42,000, or 40.0% compared to the
fourth quarter of 2005. For the year, non-interest income increased
$75,000, or 2.2% to $3.5 million in 2006 from $3.4 million in the
prior year. The increase was due to the FHLBB restructuring charge
in 2005 being higher than the net loss on the sales of securities
in 2006, more than offsetting a decrease in customer service fees
in 2006. Operating expenses decreased by $7.3 million, or 55.9% for
the fourth quarter of 2006 as compared to the same period of 2005
due to the contribution of $7.6 million to the Foundation in the
fourth quarter of 2005. For the year, operating expenses decreased
$5.1 million as compared to 2005, also primarily due to the
contribution to the Foundation. Offsetting the decrease in
charitable contributions in the quarter and year to date amounts
were increases in most salaries and benefit categories and
occupancy expenses, as well as the costs associated with being a
public company, including audit, legal and consulting fees and fees
related to complying with the provisions of the Sarbanes-Oxley Act
of 2002. Additionally, during the fourth quarter of 2006, the
Company�s Compensation Committee awarded 892,200 stock options with
an exercise price of $16.03 per share and 346,500 shares of
restricted stock with a grant date fair value of $16.03 per share
to directors and certain officers on November 29, 2006. These
options and stock awards were granted in accordance with the
Company�s 2006 Equity Incentive Plan approved by the shareholders
on November 1, 2006. The stock options and awards granted vest over
a period of approximately five years. The Company is employing an
accelerated method of expense recognition for options, whereby
compensation expense is measured on a straight-line basis over the
requisite service period for each separately vesting portion of the
award, as if the award was, in substance, multiple awards. The
scheduled opening of a new branch in Great Barrington,
Massachusetts and a replacement branch in North Adams,
Massachusetts in early 2007 will also serve to increase operating
expenses in the near-term. The Company�s core efficiency ratio for
the quarter (GAAP efficiency ratio net of effect of non-core
adjustments) increased to 81.2% from 69.1% in the year earlier
period primarily due to the increase in operating expenses and
pressure on the net interest margin as outlined above. Year to date
the efficiency ratio has increased to 75.8% in 2006 from 69.9% in
2005. CONFERENCE CALL J. Williar Dunlaevy, Chairman and Chief
Executive Officer, and Stephen M. Conley, Chief Financial Officer,
will host a conference call at 3:00 p.m. (EST) on Thursday,
February 1, 2007. Persons wishing to access the conference call may
do so by dialing 877-407-9205. Replays of the conference call will
be available beginning February 1, 2007 at 6:00 p.m. (EST) through
February 11, 2007 at 11:59 p.m. (EST) by dialing 877-660-6853 and
using Account #286 and Conference ID #226423 (both numbers are
needed to access the replay). FORWARD LOOKING STATEMENTS Certain
statements herein constitute �forward-looking statements� within
the meaning of the Private Securities Litigation Reform Act of
1995. These statements are based on the beliefs and expectations of
management, as well as the assumptions made using information
currently available to management. Since these statements reflect
the views of management concerning future events, these statements
involve risks, uncertainties and assumptions. As a result, actual
results may differ from those contemplated by these statements.
Forward-looking statements can be identified by the fact that they
do not relate strictly to historical or current facts. They often
include words like �believe,� �expect,� �anticipate,� �estimate,�
and �intend� or future or conditional verbs such as �will,�
�would,� �should,� �could� or �may.� Certain factors that could
cause actual results to differ materially from expected results
include changes in the interest rate environment, changes in
general economic conditions, legislative and regulatory changes
that adversely affect the businesses in which Legacy Bancorp is
engaged and changes in the securities market. Readers are cautioned
not to place undue reliance on these forward-looking statements,
which speak only as of the date of this release and the associated
conference call. The Company disclaims any intent or obligation to
update any forward-looking statements, whether in response to new
information, future events or otherwise. NON-GAAP FINANCIAL
MEASURES In addition to results presented in accordance with GAAP,
this press release contains certain non-GAAP financial measures. We
believe that providing certain non-GAAP financial measures, such as
core efficiency ratio, provides investors with information useful
in understanding our financial performance, our performance trends
and financial position. A reconciliation of non-GAAP to GAAP
financial measures is included in the accompanying financial
tables, elsewhere in this report. LEGACY BANCORP, INC. AND
SUBSIDIARIES CONSOLIDATED BALANCE SHEETS (Dollars in thousands)
December 31, 2006� 2005� ASSETS (Unaudited) Cash and due from banks
$ 10,442� $ 12,281� Short-term investments 11,202� 6,951� Cash and
cash equivalents 21,644� 19,232� Securities and other investments
176,132� 179,921� Loans held for sale -� 126� Loans, net of
allowance for loan losses of $4,677 in 2006 and $4,220 in 2005
578,802� 547,500� Premises and equipment, net 15,416� 14,236�
Accrued interest receivable 3,552� 3,235� Goodwill, net 3,085�
3,085� Net deferred tax asset 4,474� 5,258� Bank-owned life
insurance 4,424� 4,153� Other assets 789� 1,584� � Total Assets $
808,318� $ 778,330� LIABILITIES AND STOCKHOLDERS' EQUITY Deposits $
518,248� $ 474,464� Securities sold under agreements to repurchase
5,575� 4,999� Federal Home Loan Bank advances 127,438� 145,923�
Mortgagors' escrow accounts 944� 931� Accrued expenses and other
liabilities 6,116� 5,847� Total liabilities 658,321� 632,164�
Commitments and contingencies Stockholders' Equity Preferred Stock
($.01 par value, 10,000,000 shares -� -� authorized, none issued or
outstanding) Common Stock ($.01 par value, 40,000,000 shares
authorized, 10,308,600 issued and outstanding at December 31, 2006
and 2005) 103� 103� Additional paid-in-capital 106,094� 100,202�
Unearned Compensation - ESOP (9,519) (10,252) Unearned Compensation
- Equity Incentive Plan (5,375) -� Retained earnings 58,863�
57,202� Accumulated other comprehensive loss (169) (1,089) Total
stockholders equity 149,997� 146,166� Total Liabilities and
Stockholders' Equity $ 808,318� $ 778,330� LEGACY BANCORP, INC. AND
SUBSIDIARIES CONSOLIDATED STATEMENTS OF OPERATIONS (Dollars in
thousands) � Three Months Ended December 31, Twelve Months Ended
December 31, 2006� 2005� 2006� 2005� (Unaudited) (Unaudited)
Interest and dividend income: Loans $ 9,296� $ 8,196� $ 35,905� $
30,988� Securities: Taxable 1,884� 1,578� 7,308� 5,146� Tax-Exempt
62� 54� 239� 178� Short-term investments 167� 476� 463� 666� Total
interest and dividend income 11,409� 10,304� 43,915� 36,978�
Interest expense: Deposits 4,102� 2,370� 13,808� 8,252� Federal
Home Loan Bank advances 1,584� 1,744� 6,395� 6,713� Other borrowed
funds 36� 25� 136� 89� Total interest expense 5,722� 4,139� 20,339�
15,054� Net interest income 5,687� 6,165� 23,576� 21,924� Provision
(credit) for loan losses (12) 365� 233� 841� Net interest income
after provision (credit) for loan losses 5,699� 5,800� 23,343�
21,083� � Non-interest income: Customer service fees 839� 1,306�
2,832� 3,344� Portfolio management fees 261� 222� 1,001� 890�
Income from bank owned life insurance 80� 80� 222� 218� Insurance,
annuities and mutual fund fees 90� 48� 211� 168� (Loss) gain on
sales of securities, net (1,888) 21� (1,736) 160� Loss on
impairment of securities -� (200) -� (225) Loss on impairment of
other investments -� (24) -� (24) Gain on sales of loans, net 86�
50� 210� 236� Gain on curtailment and termination of defined
benefit plan 605� 905� 605� 905� FHLB prepayment restructuring
charge -� (2,351) -� (2,351) Miscellaneous 74� 48� 107� 56� Total
non-interest income 147� 105� 3,452� 3,377� Non-interest expenses:
Salaries and employee benefits 3,226� 3,320� 11,897� 10,964�
Occupancy and equipment 597� 572� 2,482� 2,211� Data processing
516� 479� 1,987� 1,876� Professional fees 463� 258� 1,564� 652�
Advertising 194� 178� 747� 694� Charitable Contributions 4� 7,671�
10� 7,846� Other general and administrative 782� 619� 2,649� 2,155�
Total non-interest expenses 5,782� 13,097� 21,336� 26,398� � Income
(loss) before income taxes 64� (7,192) 5,459� (1,938) � Provision
(benefit) for income taxes 655� (1,739) 2,653� 297� � Net income $
(591) $ (5,453) $ 2,806� $ (2,235) Earnings (loss) per share Basic
$ (0.06) n/a� $ 0.29� n/a� Diluted $ (0.06) n/a� $ 0.29� n/a�
Weighted average shares outstanding Basic 9,580,275� n/a�
9,559,791� n/a� Diluted 9,580,275� n/a� 9,559,791� n/a� � LEGACY
BANCORP, INC. AND SUBSIDIARIES SELECTED CONSOLIDATED FINANCIAL
HIGHLIGHTS AND OTHER DATA (UNAUDITED) (Dollars in thousands except
share and per share data) Three months ended December 31, Twelve
months ended December 31, 2006� � 2005� � 2006� � 2005� � Financial
Highlights: Net interest income $ 5,687� $ 6,165� $ 23,576� $
21,924� Net income (loss) (591) (5,453) 2,806� (2,235) Per share
data: Earnings (loss) � basic (0.06) n/a� 0.29� n/a� Earnings
(loss) � diluted (0.06) n/a� 0.29� n/a� Dividends declared 0.03�
n/a� 0.12� n/a� Book value per share � end of period 14.55� 14.18�
14.55� 14.18� Tangible book value per share � end of period 14.25�
13.88� 14.25� 13.88� Ratios and Other Information: Return on
average assets (0.30) % (2.77) % 0.36� % (0.31) % Return on average
equity (1.63) % (17.40) % 1.92� % (2.90) % Net interest rate spread
(1) 2.16� % 2.67� % 2.39� % 2.84� % Net interest margin (2) 3.00� %
3.31� % 3.15� % 3.22� % Efficiency ratio (3) 74.9� % 219.4� % 74.2�
% 104.2� % Average interest-earning assets to average
interest-bearing liabilities 127.81� % 128.30� % 127.61� % 117.30�
% At period end: Stockholders� equity $ 149,997� $ 146,166� Total
assets 808,318� 778,330� Equity to total assets 18.6� % 18.8� %
Non-performing assets to total assets 0.11� % 0.12� %
Non-performing loans to total loans 0.15� % 0.16� % Allowance for
loan losses to non-performing loans 532.08� % 467.33� % Allowance
for loan losses to total loans 0.80� % 0.77� % Number of full
service offices 10� 10� (1) The net interest rate spread represents
the difference between the weighted-average yield on
interest-earning assets and the weighted-average cost of
interest-bearing liabilities for the period. (2) The net interest
margin represents net interest income as a percent of average
interest-earning assets for the period. (3) The efficiency ratio
represents non-interest expense for the period minus expenses
related to the amortization of intangible assets divided by the sum
of net interest income (before the loan loss provision) plus
non-interest income. � Three Months Ended December 31, 2006 Three
Months Ended December 31, 2005 Average Outstanding Balance Interest
Yield/ Rate(1) Average Outstanding Balance Interest Yield/ Rate(1)
(Dollars in thousands) Interest-earning assets: Loans - Net (2) $
571,783� $ 9,296� 6.50% $ 536,626� $ 8,196� 6.11% Investment
securities 174,663� 1,946� 4.46% 160,140� 1,632� 4.08% Short-term
investments 12,905� 167� 5.18% 49,279� 476� 3.86% Total
interest-earning assets 759,351� 11,409� 6.01% 746,045� 10,304�
5.52% Non-interest-earning assets 41,632� 40,292� Total assets $
800,983� $ 786,337� Interest-bearing liab-ilities: Savings deposits
$ 52,968� 59� 0.45% $ 67,034� 76� 0.45% LifePath Savings 91,094�
1,017� 4.47% 73,940� 498� 2.69% Money market 53,049� 447� 3.37%
55,458� 277� 2.00% NOW accounts 36,071� 49� 0.54% 40,491� 23� 0.23%
Certificates of deposits 220,837� 2,530� 4.58% 182,216� 1,496�
3.28% Total deposits 454,019� 4,102� 3.61% 419,139� 2,370� 2.26%
Borrowed Funds 140,121� 1,620� 4.62% 162,356� 1,769� 4.36% Total
interest-bearing liabilities 594,140� 5,722� 3.85% 581,495� 4,139�
2.85% Non-interest-bearing liabilities 61,618� 79,462� Total
liabilities 655,758� 660,957� Equity 145,225� 125,380� Total
liabilities and equity $ 800,983� $ 786,337� � Net interest income
$ 5,687� $ 6,165� � Net interest rate spread (3) 2.16% 2.67% Net
interest-earning assets (4) $ 165,211� $ 164,550� � Net interest
margin (5) 3.00% 3.31% Average interest-earning assets to
interest-bearing liabilities 127.81% 128.30% � (1) Yields and rates
for the three months ended December 31, 2006 and 2005 are
annualized. (2) Includes loans held for sale. (3) Net interest rate
spread represents the difference between the yield on total average
interest-earning assets and the cost of total average
interest-bearing liabilities for the three months ended December
31, 2006 and 2005. (4) Net interest-earning assets represents total
interest-earning assets less total interest-bearing liabilities.
(5) Net interest margin represents net interest income divided by
average total interest-earning assets. � Twelve Months Ended
December 31, 2006 Twelve Months Ended December 31, 2005 Average
Outstanding Balance Interest Yield/ Rate(1) Average Outstanding
Balance Interest Yield/ Rate(1) (Dollars in thousands)
Interest-earning assets: Loans - Net (2) $ 564,446� $ 35,905� 6.36%
$ 523,696� $ 30,988� 5.92% Investment securities 175,006� 7,547�
4.31% 137,180� 5,324� 3.88% Short-term investments 9,386� 463�
4.93% 19,139� 666� 3.48% Total interest-earning assets 748,838�
43,915� 5.86% 680,015� 36,978� 5.44% Non-interest-earning assets
41,187� 37,740� Total assets $ 790,025� $ 717,755� Interest-bearing
liab-ilities: Savings deposits $ 56,759� 248� 0.44% $ 69,088� 299�
0.43% LifePath Savings 78,628� 3,049� 3.88% 71,188� 1,686� 2.37%
Money market 52,911� 1,556� 2.94% 59,016� 952� 1.61% NOW accounts
37,633� 130� 0.35% 39,507� 85� 0.22% Certificates of deposits
213,448� 8,825� 4.13% 177,613� 5,230� 2.94% Total deposits 439,379�
13,808� 3.14% 416,412� 8,252� 1.98% Borrowed Funds 147,421� 6,531�
4.43% 163,328� 6,802� 4.16% Total interest-bearing liabilities
586,800� 20,339� 3.47% 579,740� 15,054� 2.60% Non-interest-bearing
liabilities 57,185� 61,049� Total liabilities 643,985� 640,789�
Equity 146,040� 76,966� Total liabilities and equity $ 790,025� $
717,755� � Net interest income $ 23,576� $ 21,924� � Net interest
rate spread (3) 2.39% 2.84% Net interest-earning assets (4) $
162,038� $ 100,275� � Net interest margin (5) 3.15% 3.22% Average
interest-earning assets to interest-bearing liabilities 127.61%
117.30% � (1) Yields and rates for the twelve months ended December
31, 2006 and 2005 are actual. (2) Includes loans held for sale. (3)
Net interest rate spread represents the difference between the
yield on total average interest-earning assets and the cost of
total average interest-bearing liabilities for the twelve months
ended December 31, 2006 and 2005. (4) Net interest-earning assets
represents total interest-earning assets less total
interest-bearing liabilities. (5) Net interest margin represents
net interest income divided by average total interest-earning
assets. Reconciliation of Non-GAAP Financial Measures This press
release contains financial information determined by methods other
than in accordance with accounting principles generally accepted in
the United States of America (�GAAP�). The Company�s management
uses these non-GAAP measures in its analysis of the Company�s
performance. These measures typically adjust GAAP performance
measures to exclude significant gains or losses that are expected
to be non-recurring and to exclude the effects of amortization of
intangible assets (in the case of the efficiency ratio). Because
these items and their impact on the Company�s performance are
difficult to predict, management believes that presentations of
financial measures excluding the impact of these items provide
useful supplemental information that is essential to a proper
understanding of the operating results of the Company�s core
businesses. These disclosures should not be viewed as a substitute
for operating results determined in accordance with GAAP, nor are
they necessarily comparable to non-GAAP performance measures that
may be presented by other companies. Three months ended December
31, Twelve months ended December 31, 2006� � 2005� � 2006� � 2005�
� � Net Income (Loss) (GAAP) $ (591) $ (5,453) $ 2,806� $ (2,235)
Add back: Contribution to Legacy Banks Charitable Foundation -�
7,628� -� 7,628� Add back: FHLBB prepayment restructuring charge -�
2,351� -� 2,351� Less: Gain on curtailment of defined benefit plan
-� (905) -� (905) Less: Gain on termination of defined benefit plan
(605) -� (605) -� Less: Loss on sale or impairment of securities,
net 1,888� 203� 1,736� 89� Adjustment: Income taxes (496) (2,535)
(411) (2,463) Add back: Adjustment to Federal Tax Valuation Reserve
659� � -� � 659� � -� � Net Income (Core) $ 855� � $ 1,289� � $
4,185� � $ 4,465� � Efficiency Ratio (GAAP) 74.9� % 219.4� % 74.2�
% 104.2� % Effect of contribution to Legacy Banks Charitable
Foundation -� (123.6) -� (28.6) Effect of FHLBB prepayment
restructuring charge -� (38.1) -� (8.8) Effect of gain on
curtailment of defined benefit plan -� 14.7� -� 3.4� Effect of gain
on termination of defined benefit plan 6.3� -� 1.6� -� Effect of
loss or (gain) on sale or impairment of securities, net -� (3.3) -�
(0.3) � � � � � � � � Efficiency Ratio (Core) 81.2� % 69.1� % 75.8�
% 69.9� %
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