Listed on this slide, what I believe there’s some often overlooked points of peer and market differentiation. Peer is defined as the KBW Regional Bank Index minus First Financial. First, our profitability on a non-risk-adjusted basis over the last 12 months is above peer median with a return on average assets 15 basis points higher and a return on average equity, 174 basis points higher than peer.

Our capital levels are also well above peer median. Our tangible common equity ratio is 9.91% relative to our peer at 8.73% and our total capital ratio, which is bolstered by the low risk weighting of our earning assets due to the covered status that what was acquired through FDIC-assisted transactions is 18.42% compared to peer median of 15.33%. It is because of this robust capital position that we have continued a total dividend payout ratio of 100% resulting in the current annualized yield in excess of 7%, both of which are substantially above the peer median payout ratio of 37% and dividend yield of 2.7%. And our quarterly adjusted return on risk-weighted assets of 1.92% is 62 basis points above peer median as our risk-weighted assets to total assets is so much lower than peer. Said in another way, we are delivering above peer median performance on a lower risk balance sheet.

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