#version: 0.2 i n Ġ a Ġ t r e h e Ġ o o n a n Ġ in t e Ġt he s e t i e r a l Ġ c e n o r Ġo f Ġa n Ġ f e s Ġ p Ġ m Ġ l in g Ġan d o m a r i t s t Ġt o Ġ re Ġ b Ġ d a te l l Ġ 2 e c i s Ġ w ti on e d en t Ġ2 0 u r Ġl o Ġ s m ent Ġ $ Ġ e i on i c Ġin c Ġlo an Ġa s r o a se i ll Ġ n Ġf or l y an c u n a s ill ion re d v e Ġm illion om p Ġ r Ġ20 1 g e T he a tion re st te rest t s Ġt h q u a t i m Ġ20 0 e t re ase Ġ 3 l e i d Ġo n Ġ C a b Ġd e o l Ġ D Ġin terest Ġ se e m b er Ġc on u l i ti a ge Ġloan s Ġo r a c Ġe x em ber Ġ3 1 o w o s ec ember ĠD ecember Ġ h Ġ is v er it y te d e ar or t ate d Ġinc rease anc e Ġr ate Ġa c iti es Ġ g Ġa t Ġp ro u e i l om e ment s Ġa re se s te r 0 0 Ġc omp Ġ v Ġb y Ġ y u s Ġw e i al i o an y Ġb e i f ab le Ġre s it s Ġf r i g he r a in it h i tion es t Ġex p Ġfr om i r Ġw ith en d ĠC omp Ġas se o un ĠComp any Ġp r Ġinc ome Ġ st Ġc h Ġlo s Ġc o Ġth at Ġp er an k Ġo ur Ġse c Ġy ear u c ' s a y Ġa d Ġde p Ġd ec u t Ġ 1 ll ow Ġ F t her I n u d Ġw as Ġasse ts ti ve u re un d u m ur ities Ġ B Ġw h om m Ġdep os Ġ S o t f f Ġv al Ġ im Ġn et Ġl i c e Ġim p in anc p er Ġ A es s Ġre p n t l ud Ġ ( ation s Ġm ar d ition i v ro w inanc ial u st i e t h ic h Ġc omm Ġsec urities ar i Ġac c Ġlos ses or m a p an age a red Ġwh ich Ġn on Ġdec rease Ġp re Ġres ul p p is k an d Ġh a ac t a x oun t Ġo ther o c al ly ur ing Ġs h ver age i z ort f an g anage ment Ġcomp ared ortf ol Ġcon s Ġa m Ġinc lud Ġp ortfol Ġl e Ġr isk f orm Ġto t Ġtot al Ġincrease d red it ab il Ġrate s Ġexp en Ġmar k Ġ u Ġval ue Ġin v Ġ end 00 0 ĠB ank Ġre c a ir Ġportfol io qu i Ġd ue llow ance t ain Ġf o u b r i u al ar y Ġc redit Ġn ot p ec Ġre l Ġt ax Ġwe re ase d ing s Ġcon t Ġdepos its Ġpr im Ġa pp c h Ġf inancial Ġmark et Ġa verage Ġend ed Ġa llowance Ġ qu Ġinv est if ic Ġm o er s it al i es ap ital ec t Ġpro v i p d s se d Ġ its Ġha ve is c ang es tion s Ġ est or s Ġ un ari ly ter m Ġm anagement Ġ N an t re nt Ġper io or row ti m Ġf und Ġ200 9 Ġli abil l s Ġ T f er Ġe ar a m Ġ L ate s Ġ R Ġd uring Ġ200 8 i st Ġch anges l o Ġb orrow Ġexpen se a re Ġb al Ġch ar Ġprim arily Ġ201 0 Ġs ub as h Ġ P Ġin d iz ed or d as is Ġre al Ġ201 1 Ġresul t ate r Ġc apital an s Ġ200 7 r v Ġ201 2 Ġ es Ġear n Ġ und a il Ġ M Ġb asis er c er al Ġas s ort g Ġ200 6 Ġb ank Ġ201 3 Ġs al l in Ġt r Ġp ar d uc Ġes tim Ġp o p or Ġund er Ġco st ig n Ġa g Ġof f Ġre qui ar d Ġc ash % , a d Ġlos s Ġ200 5 ol d Ġ en Ġliabil ities st r Ġo ver l d Ġthe se Ġn e erc ial l ow Ġm ay Ġ201 4 Ġre g ur ch Ġe ff Ġad dition ec ted Ġo per Ġdepos it a ti is ion Ġm ortg Ġco ll at ing anc es Ġa ll Ġ O Ġest ate Ġg en oc k Ġf air Ġapp ro Ġinvest ment u g ul d Ġth is Ġe qu ate ments Ġfo llow Ġa b Ġ " Ġm at tive ly Ġ In re c te m W e i ed or y Ġm e Ġh as c ip Ġt im Ġb ased Ġc ur te n Ġcomm ercial oun ts in terest ug h Ġ201 5 Ġperio d Ġd isc id e Ġle ve Ġsh are id en Ġth o Ġe v Ġrel ated re e Ġmortg age ig h uc h qu id ti al Ġre v o g Ġw ill Ġp ay er tain Ġse rv ar ter Ġdecrease d Ġm on Ġres pec Ġam ount Ġcon dition se n en c e p o d fer red Ġserv ic Ġqu arter Ġfollow ing Ġw he ĠS t Ġn o an ge a tive Ġg row Ġcur rent f l Ġth an Ġtim e ls o ate g Ġy ie k e Ġp a s u v ail Ġf act or por ign ific ignific ant c ent Ġbal ance term in Ġs uch iv id Ġyear s on om ol id ri b Ġst ock ear ing quid ity Ġ he us in al l Ġf e Ġde termin ed eral Ġu p T h ount ing y s i or ec onom o ur Ġt able Ġp l Ġ econom ut ure A s Ġgrow th ur ity Ġs ignificant Ġin s Ġreg ul n s se t urch ase Ġlo w ro ugh Ġrequi re t o b le Ġa lso t u form ing Ġcont in olid ated Ġa vail Ġasse t Ġf uture re n ate ly Ġo b ater al c c ĠN o Ġfund s Ġprov ision on g Ġfact ors Ġval u ol ic Ġrespec tively Ġ 4 Ġsal e qu is a i Ġcoll ateral Ġdec lin quis ition Ġequ ity Ġc l Ġan y Ġth rough Ġb usin Ġavail able er m Th is ure s Ġmo re ac h Ġr ati Ġp os Ġinclud ing c es Ġgen er Ġ201 6 Ġd if ie w c ess Ġst atements air ment Ġre duc Ġt erm t y Ġd o Ġac quisition w e Ġc ertain Ġ E Ġli quidity s ion Ġ I in cip Ġm ain Ġ200 4 ti v form ation Ġeconom ic o uld Ġrec ord Ġimp act Ġass um g in Ġresul ts ust om per forming Ġper cent on s as s Ġchar ge Ġpr incip al u Ġde b orpor ation Ġis su Ġan al Ġpo in Ġp olic Ġh ig Ġpar ti Ġin formation Ġcondition s Ġst r Ġre fl a g Ġbusin ess Ġc ustom Ġo ut ti f Ġf low Ġme as Ġimp airment ys is ĠC orporation str uc Ġ J Ġha d e f Ġbe en og n x im Ġrep re p tions Ġs pec st and io us Ġhig her Ġexpen ses Ġtr ans o ff The se o ut Ġad j i le n ing A t Ġearn ings Ġaddition al Ġev alu Ġleve l o ver Ġb illion Ġwhe n Ġyie ld Ġqu al Ġ 5 ab l ec tive ig in Ġ it Ġrec ogn r y Ġrecord ed Ġoff set ow n if ied Ġcomm it Ġrev iew Ġv ol ĠF inancial xim ately f e m p Ġinclud ed i x Ġ U Ġg ain Ġpr ic Ġor igin Ġfe es Ġwe ll v es Ġs our iden tial on d ĠL o r ual Ġle ase e qu en ef Ġ 8 Ġlow er us and se nt Ġborrow ings se r ai red Ġe ach b earing Ġ3 0 Ġtho usand Ġregul at he et Ġch ange Ġoper ations Ġcont r am e end ing il ity Ġd ivid Ġm a Ġacc ounting Ġappro ximately Ġthe ir H L r ic ur ance Ġprov id Ġinclud e Ġchar g Ġcost s Ġac tiv Ġne w stand ing Ġb enef 1 0 Ġon e Ġre m i ve Ġexp ected ac c ti es Ġcontin u HL B i ted Ġc ateg he d l ie l ig Ġacc ounts Ġgener ally abil ity Ġbal ances O ur Ġres idential Ġa ff Ġ if Ġanal ysis Ġg u u red Ġpro per Ġcomm on Ġexp er re s ed s Ġimp aired Ġag ree F or Ġcl ass Ġ us Ġbe lie i rec Ġmain tain ser ve ĠNo te i ble Ġwith in Ġexper i ent s N et I C Ġvol um N on Ġrem ain Ġbank ing Ġ j Ġmo d ter n u p Ġu sed Ġind ic Ġestim ated ec ts Ġat t Ġincrease s Ġassum ptions ĠF HLB Ġ 6 Ġac qui acc rual Ġdivid end ĠF ederal Ġpre p Ġperio ds Ġin to Ġregulat ory Ġc ar Ġout standing Ġprincip al Ġtotal ed Ġpa id Ġs u Ġoper ating Ġrati o Ġthe re Ġre ce " ) Ġflow s a u Ġam ounts Ġs heet ĠR e h old Ġdif fe Ġspec ific Ġearn ing y p os ure Ġadj ust Ġmar gin Ġ 0 Ġ 9 Ġhe ld Ġh ist Ġper form Ġ 7 Ġdeb t Ġpoin ts c al k ing o od c ome Ġcommit ments Ġcons olidated Ġsub j Ġpr ior Ġas ses Ġpre sen Ġtrans ac Ġw ould 1 5 Ġm et o re Ġ G Ġdisc us Ġb et ti z or tiz A S u ll irec t Ġestim ates Ġtho se ir st ot h or ic lo y ti tu Ġfund ing Ġcontr act i er Ġco uld c ul off s c lud Ġse ns In terest M anagement Ġsens iti Ġacqui red Ġpro duc abl is Ġup on Ġc an 1 2 Ġad v Ġd ate Ġad equ D uring Ġmat urity Ġpos ition Ġsh ort Ġob lig o p Ġ1 0 Ġest ablis Ġvolum e l ic Ġrep ort Ġleve ls Ġt yp Ġ H w n Ġrequi red Ġcons id e e Ġl ar ĠLo an e l o ve Ġ The Ġdeclin e Ġl im um er Ġmon th Ġp urchase Ġs ame Ġpolic ies Ġl ending Ġe mp Ġs im a v Ġhist oric D IC Ġam ortiz d er w ill Ġgen eral Ġb oth re as Ġrecogn ized 2 0 Ġs old Ġl ong str u Ġasses s ad e Ġl in Ġpro cess 1 4 isc al r a we en hold ers Ġab ility ood will Ġbet ween Ġf iscal Ġinvest ments Ġl ess igh t g r Ġins urance Ġatt rib enc y Ġf ull Ġre t ĠSt atements te nt Ġ( " Ġnon interest Ġterm s Ġins titu iz e Ġfo ur Ġrece iv struc tion ĠF DIC p ment Ġeff ective 1 3 Ġservic es Ġissu ed ar ious iv al % . ti l h ip Ġpa st L o ĠC omm ay ment ac k en ce Ġqual ity oc i ear ning en s Ġin stru a st ot al w ard ir on Ġv arious Ġs c v iron g ment Ġp ur Ġtr ust ide red u ted Ġcons idered ) . Ġen viron Ġbe low Ġsubj ect Ġmet h ĠC ons Ġrepre sen Ġall oc 2 5 Ġo cc Ġstr ateg Ġde f Ġb ec Ġimp ro e ts Ġsal es Ġwh ile Ġvalu ation Ġcomp on Ġpay ments Ġvalu es 1 1 Ġt w se rv Ġind ust Ġcar ry Ġass oci Ġb ut f ter Ġo wn R E Ġsour ces Ġclass ified Ġpre ferred Ġex ce Ġpar t Ġemp loy Ġcon struction Ġrequire ments Ġactiv ities Ġparti ally v ed Ġj ud Ġcustom ers l i ater ial Ġprim ary Ġrep ric p o Ġgain s Ġf ederal Ġoblig ations oun ted Ġc al au se Ġfo rec Ġeff ect Ġacc ord Ġmo st Ġenviron ment Ġhistoric al r u ĠA s Ġassoci ated Ġtw o al e Ġv ari l es Ġrep or ĠCons olidated Ġprov ide Ġservic e Ġd es l ds Ġinstru ments Ġan n Ġst at Ġrep urchase Ġmeas ure Ġu se he rent Ġm aterial 1 6 Ġcontract ual Ġin herent ut able Ġde m Ġdividend s Ġb r Ġborrow er ix ed Ġagree ments Ġshare s Ġattrib utable Ġs p ve lo Ġmat urities Ġmeth od v ity os ses ic i Ġ iden p ri Ġm in Ġth ree ten tial o ard urch ased ur n Ġme et p t Ġcons umer Ġrev en Ġcustom er ĠJ un Ġg oodwill Ġth ir Ġsec ond ur ther Ġde ferred qu ent ang ible ec tion Ġperform ance Ġresult ing um m Ġst ate ival ent Ġp or s id Ġm ade Ġmon it Ġconsid er tif ic Ġexperi ence Ġbank s Ġab ove ĠIn come e ver T otal Ġh old ver se tem ber ep tember Ġrec over Ġf ixed Ġresul ted sid i f ore ĠS eptember ar ds Ġadv ances Ġcons ist Ġrel ations Ġyie lds Ġen ti Ġthir d Ġde velo ĠJun e Ġ V ec urities Ġb ro Ġdetermin ed 1 7 in ed a k Ġdem and Ġa fter Ġrelations hip ay s 1 8 Ġpo tential Ġ1 5 ec ess Ġrepre sent Ġpro j cc ounting f or Ġ201 7 Ġsub sidi Ġnon performing tern al Ġg re Ġaff ect Ġbr anc Ġdiffe ren Ġover all Ġcarry ing ten d Ġex ist Ġbelie ves Ġestablis hed Ġmark ets Ġcontin ue Ġpor tion Ġa l Ġcharg es Ġcal cul Ġrepor ted Ġpercent age Ġst and Ġind ivid iv en Ġ W Ġpro f enc ies Ġexp osure pp ort Ġb earing Ġn ecess Ġiden tif Ġun c Ġf irst Ġdiscus sion ow ever Ġpur po O n i ly ĠU n b ased Ġse ll in ated Ġcateg ory Ġmin im ter s Ġreport ing Ġt ren Ġpl an at a Ġliabil ity er iv gr am Ġo p t ual ul t o us Ġsensiti vity Ġ1 2 Ġborrow ers Ġmonth s Ġrefl ect ) , Ġsec urity ari es Ġpay ment end ent 1 9 Ġcontinu ed te e Ġg r Ġmod el Ġappro pri Ġinclud es ac y al ized Ġoff ic Ġrati os O ther Ġco re ĠB oard er g er tific Ġcharg ed Ġin t Ġcateg or Ġpre v ation al ly ing Ġfour th ĠM ar Ġbenef its v est Ġu til Ġcomp le A d Ġsec ured i a ag es g ments Ġpolic y Ġstat us i se Ġnon accrual Ġus ing o ll por ary Ġm an Ġreg ard ack ed ti cip al ance Ġquarter ly Ġpro b Ġlin es Ġlease s Ġre struc te s Ġtax es over n Ġproper ty Ġappropri ate if e Ġre serve clud ing ĠT r Ġprovid ed ur red e y Ġbenef it Ġpre sent T I Ġindic ated Ġp urchased e x l ed Ġdo es Ġprev ious Ġd ays Ġd eriv Ġsour ce ĠT ier igh ted Ġtransac tions Ġreduc tion 3 0 al s om b Ġpric e le ment Ġpresen ted Ġlar ge r it s s Ġre as re g Ġcomp e , " j or Ġproper ties Ġun re ver s Ġfor th Ġestim ate A P Ġad verse ol og ĠRe serve ĠA ccounting ĠL osses Ġrisk s Ġd own ord inated i b Ġma jor Ġaccord ance Ġne g Ġthe y Ġl ife Ġtren ds os ition Ġf urther Ġ200 3 5 0 Lo ans on t av ings Ġc ertific ĠA c 2 3 ĠM anagement Ġs umm ific ation ti c Ġrepric ing 2 4 tain ed irect ors U n Ġa ut Ġli ke in ation Ġcomp any Ġg ro Ġcompe ti Ġassess ment Ġac tual enc ed Ġinv ol Ġdetermin e ĠIn terest A verage Ġunre alized m i Ġcategor ies C O am ily ens ation ur y ĠUn ited Ġprob able Ġinstitu tions ep os Ġc omb Ġreven ue 2 6 ic ally Ġevalu ation Ġindivid ual Ġapp lic Ġown ed u ally Ġpo ol c ed Ġtotal ing Ġne eds Ġtransac tion Ġf l Ġan ticip Ġadequ acy overn ment Ġproduc ts r iti Ġpoin t Ġindust ry p ar iti ve Ġimpro ve I f ĠE x 2 7 in ce Ġin fl Ġexist ing Ad dition Ġh igh inanc ing or k qui pment lin es A L Ġprovid es o ugh F AS Ġac ce Ġunder lying Ġa llow Ġcons is Ġfor m Ġregard ing Ġcomp ar Ġservic ing Ġpro gram Ġsim ul Ġpl ac Ġremain ing il ar ay ments et ail Ġma ke 2 8 Ġsh ould Ġde lin Ġamortiz ed Ġpresen ts Ġactiv ity b acked uc tu Ġbe ing Ġc or Ġab out Ġshare holders RE O Ġearn ed ĠP re Ġrequire s ĠC apital Ġacc ount ble m Ġreceiv ed Ġgu ide Ġcertific ates ĠTr ust ĠS ecurities s ale ac ted lo sed S ee g an he s Ġdeclin ed cent r Ġcomp ri Ġacc ru reas ing Ġse t g reg o king reas ury Ġfor ward Ġreduc ed Ġmon ey ĠA S Ġrepresen ts 2 9 us ted Ġse e ĠA n Ġcont ro Ġret urn Ġunc ertain an ti olog y Ġe quipment The re Ġsignificant ly Ġrefl ects Ġguide lines 4 0 Ġpurpo ses um ber Ġpro ce tem s Ġf ive Ġin iti Ġreas on Ġb ase Ġadequ ate Ġsim ilar Ġbec ause A n Ġpre mi e w Ġex cess se quent ĠComm it ĠA L Ġcont rib l ied 3 5 Ġn umber Ġann ual Ġse gment Ġpro blem vest ment Ġd ata Ġmonit or Ġsub ordinated A AP ĠI tem Ġs avings Ġadjust ments f ul Ġ i Ġag ain Ġin ternal Ġlo c Ġdiffe rent l osure e b Ġcon centr Ġse ver o k Ġlar g Ġgre ater Ġon ly Ġagree ment Ġf ac L i Ġprep ayment r ate Ġgu ar Ġ9 0 ke red Ġsubsidi ary v ing Ġc ap Ġs ome erg er Ġbelie ve Ġcompon ent ent ures Ġnecess ary t ing c tion Ġminim um 3 3 an u Ġpric ing Ġre serv T E a tively Ġcomp ensation Ġe l anu ary ĠJ anuary Ġm ix ici ent Ġemploy ee th ough Ġm anage Ġf in Ġequ ivalent Ġprovision s Ġbranc h Ġdifferen ce Ġ1 9 Ġd etail se ts Ġexp ect Ġex tent Ġcompri sed Ġev ents Ġse ts Ġsc en Ġprevious ly Ġamortiz ation Ġsp re Ġm ul is ing Ġrefl ected a w riti cal Ġagain st 2 2 Ġlike ly Ġcompon ents Ġtax able un ity Ġproce eds Ġhold ing Ġf oc Ġad op Ġexce ed Ġfe e u tion Ġint angible 3 4 l os Ġex am Ġtyp e d ed ub lic ĠNote s W h i i Ġex tend Ġrepresen ted Ġdecrease s ĠMar ch Ġsub st Ġreduc e Ġa r Ġaff ected Ġor der te red Ġwe ighted Ġadj usted ed i 3 7 Ġdiscus sed Ġh ome Ġsensiti ve o ing Ġacquisition s b alance Ġunder w Ġdisc ount Ġ1 4 Ġrec ent ff icient C omm Ġd ates th an Ġlim ited ĠO REO Ġof fer Ġdif fer Ġbro kered Ġrelationship s 3 6 Ġfull y ĠB anc H owever Ġle g Ġg ap un ic Ġjud gments Ġreserv es il uted if y Ġthousand s Ġc red Ġexperi enced Ġmeas ures Ġf inancing Ġinstitu tion Ġag greg Ġjud gment k et ac ter A N lo oking Ġ1 1 um ul Ġrep ayment Ġchar acter ĠR isk t ax Ġinc urred 3 9 p tion it her Ġpric es abl es Wh ile Ġres p t he Ġwith out ad ing Ġstrateg y O N Ġdevelo pment v ision is tic ĠF AS Ġsu pport ĠS er Ġlim it Ġimp acted Ġno tes cul ar Ġpremi um Ġanal y he ns re hens rehens ive we l Ġfl uctu Ġn orm Ġborrow ing wel ve at ure Ġidentif ied ĠC h 3 8 Ġb u Non interest ve red b y Ġco vered A ll Ġd irect Ġl et Ġlo cal Ġunderw rit p r ĠLo ans Ġparti cular ĠD irectors p en T able em ed Ġt welve Ġwhe ther Ġmul ti Ġg overnment Ġsimul ation orpor ate Ġp en Ġorigin ation Ġguar an ĠCommit tee an ies Ġin ter Ġd is Ġcurrent ly ĠR ep ang ing Ġs ys Ġneg ative Ġwhe re ĠT reasury g ree Addition ally Ġeff ects Ġsc hed Ġ Y Ġstate ment u ts ĠP ro Ġ1 3 2 1 Ġocc ur Ġdes c 4 6 Ġtyp es Ġalloc ated Ġbe gin st ances or p Ġdep endent Ġe ither ign ed Ġdef ined Ġs ince Ġcomp anies Ġorigin ated ĠH ome Ġper s Ġcomp osition l ated Ġfollow s O R ĠC on Ġhe d Ġu ses i os Ġli quid d ra Ġstand ards Ġdetermin ing Ġag encies 4 5 Ġinc reasing Ġd iluted Ġportfol ios ĠSt ate E S Ġsu fficient ter ior Ġlin e ar t Ġi tems ari z Ġs o Ġcharacter istic Ġman ag ĠAs sets ess ion Ġcomp rehensive h are Ġpos itive Ġsumm ariz R e Ġpos s v al Ġs w Ġreal ized Ġm ust ĠT ax Ġrestruc t y ear ra is ortg age ĠSt ock Ġdeb entures e op res p res s 4 8 it ative Ġmethod ology ir c P ro h or Ġn ature 7 5 ĠA llowance Ġre d al ysis Ġspre ad ĠFAS B ch ange Ġmortg ages Ġcharacteristic s Ġ1 6 resp ond Ġd ist Ġre f E x iz ation I N Ġaggreg ate id ance Ġf lo unic ip Ġsh ow Ġsw ap Ġde terior Ġstrateg ies Ġcoll ection iti g I T g oing Ġcor respond 1 00 Ġlet ters unicip al irc um Ġare a Ġcontro l Ġcred its e es A R ul ts v en Ġsever al . " Ġparti cip Ġc ircum tem porary 4 9 ar s Ġunderwrit ing Ġapp rais un ction 6 0 Ġvari able In come Ġmain ly Ġgu idance m all Ġd id Ġapplic able 4 7 Ġg iven Ġevalu ated Ġdelin qu Ġcircum stances ĠC redit Ġob j ĠPre ferred Ġaut hor Ġne ed o st Ġnorm al Lo an es ses Ġm erger Ġbe fore Ġmeas ured Ġprocess ing Ġrecover y r ange Ġd r ĠN on Ġconsis tent anc y Ġp ublic ĠAc t an ts Ġstock holders Ġret ail al th ati ves ar r Ġalloc ation igh ts Ġreview ed Ġle ast Ġdesc rib Ġm unicipal Ġ1 8 Ġde emed Ġpers on Un der Ġb o Ġdetermin ation Ġrel ative Ġmajor ity Ġanticip ated Ġreview s ĠF irst A l is sion ĠR es clud ed ec h ti ble Ġsub sequent Ġforec losure ĠAS C B ased Ġm any m in Ġstr ong Ġinfl ation Ġbegin ning Ġc ase Ġpr ac Ġwh o Ġre str D R Ġlong er Ġc all em porary up ancy ĠS FAS Ġtim ing Ġdevelo p Ġconsid ers Ġon going ĠEx pen Ġpar ty Ġlarg est Ġacc re Ġrestruct uring or ts Ġreceiv able Ġeconom y Ġam ong un ities ak en los ures ech n Ġrestr ic Ġ1 7 Ġor gan equ ivalent ep endent 5 5 r ation Ġo ptions ac ts uc t ĠO per 3 1 ur se Ġl and ĠAn alysis Ġproj ected Ġim m ĠI I Ġsecond ary Ġpl ans Ġacc ounted Ġdo ll Ġc orporate Ġt a tu red ĠL e Ġcomple ted Ġl aw Ġcalcul ated our ces a ff Ġconsist s Ġprac ti Ġprep ayments g ed Ġprof it Ġregul ations ing le Ġdef a Ġgro up epos its he n Ġab s ove red Ġlarge ly ĠL i Ġo pport Ġpl us ul ed ĠN et re lated Ġs mall v ic ĠF orm Al though Ġcontinu es em pt Ġrecover ies Ġconsider ation ĠIn c ĠV al a id Ġun it ĠBanc orp Ġeff orts Ġ1 00 Ġmeasure ment E R Ġderiv ative Ġt echn i te in e ĠC D at urity Ġcon c 4 4 Ġun til 5 8 Ġ Q Ġdr iven L I anti ally ari os Ġsys tem Ġp red Ġfoc us av or Ġcon ver r ial 3 2 E N Ġc ard Ġrespec t Ġev ent 5 6 ax im Ġh owever Ġsu pp Ġr at Ġam ounted T o Ġrestruc tured 7 0 Ġcomb ined Ġscen arios Ġprincip les C I Ġforec losed he c Ġqual itative Ġcompeti tive Ġestablis h Ġm axim Ġleg al T S Ġassum ed u es iti z Ġw ri Ġs ingle Ġper m ĠAs set 5 9 Ġdescrib ed Ġadverse ly Ġ2 5 Ġmat ure Ġbo ok Ġare as o red Ġv ary Ġr ating Ġbranc hes li ability Ġdist rib iv ate et y Ġgro ss Ġemploy ees Ġcon n ar ge Ġmo ve Ġspec ial Ġcollateral ized Ġsec tion Li quidity Ġag ency Ġgener ated ĠRep ort Ġcar ri W hen k n Ġop tion Ġ ke N o Ġimm edi Ġplac ed Ġl ast Ġsched uled Ġorigin ations Ġcur ve ro ub Ġthe n Ġre le Ġconn ection Ġindust rial re ment Ġregul ar Ġw arr s pec l and ĠP eop range ments r act ici ency Ġsummariz es Ġmat uring Comm ercial Ġt emporary r ing ĠAL L Ġsubsidi aries Ġt est Ġbu il Ġadjust ment Ġr ising ĠP olic ort h Ġsh own Ġguaran te roub led ing ly Ġshow s Ġpro ced Ġrel atively Ġthrough out Ġpl ed Ġacc rual ĠN ew Ġen h 6 8 Ġen s epos it Ġtyp ically Ġenti ty Ġvol ati Ġcoll ect Ġ We Ġissu ance Ġup d C h se c un ior Ġstr uct Ġsal aries f amily Ġaccru ed u tive Ġmaterial ly Ġc ritical iz es Ġimprove ment Ġdif f ĠR ate ĠExpen se Ġse par iz ing Ġpurchase s Ġdifferen ces ar ket Ġimpro ved ession al Ġc hec w ork Ġper forming Ġg o C omp Ġlim its l ass Ġapp lied ab ly Ġwri te Ġposs ible om es f t Ġb on Ġproced ures Ġin tend 6 9 li ance ĠT DR 5 7 Ġad min B ank Ġle verage Ġc au Ġbusin esses Ġind ependent ") . is on Ġch anging G AAP Ġremain ed 6 7 8 0 Ġsubst antially usin ess d ow m en Ġproduc t uc cess Ġdisc ounted Ġ kn u sed Ġpool s ol es l ac A cc Ġevalu ate Ġob tain Ġreven ues ati s Ġre ad Ġ2 1 Ġaccru ing e red ang ed Ġinvol ve A lso Ġe le p ted h ic ĠT able 4 2 Ġa ud Ġn ational Ġexp and Ġabs or Ġop en ĠO ther Ġex cluding Ġj unior e ous Ġsh if Ġconc er Ġrel ating Ġcontinu ing Ġadjust able Ġbro k 4 1 Ġequ al Ġfluctu ations Ġear ly Ġdeterior ation om o Ġcontr acts S ecurities Ġmulti p I mp Ġoffer ing ĠD isc Ġenti re Ġf amily ) : Ġthe m Ġopport unities Ġrepresent ing Ġanaly z Ġcapital ized Ġconcentr ations ĠState ment Ġreflect ing Ġs l Ġrepric e Ġr ights Ġbuil d Ġappro val ĠCon dition avor able Ġac tions 6 5 Ġr ange oun d Ġtr ading iden ce ĠG AAP S t ĠOper ations ut ory Ġre n Ġs uccess l ess ĠSt ates Ġcarri ed Ġun f ĠA N Ġdeclin es Ġam end Ġreason able I t i ation Ġinfl u Ġabsor b G en ĠP r A llowance 4 3 u le Ġfac il 8 9 oll ars ") , u ly n ot ec tiv Ġloc ated S uch ans ion i vers Ġad d Ġens ure o ther Ġdiff ic i re s urance Ġsl ight Ġeff iciency Ġprincip ally Ġ ro Ġset t Ġutil ized l an Ġse gments Ġnecess arily ĠA m Ġimp ort 7 7 Ġappro ved Ġmonitor ing Ġthere fore Ġex ec r ap Ġt aken Ġplac e Ġ( $ Ġke y Ġcomp liance Ġcap ac ti rement umul ative Ġt angible ĠJ uly 6 6 Ġacce pted Ġst aff es ted Ġocc upancy Ġocc urred oles ale Ġqual ify ul es Ġexp ansion 9 0 Ġco urse Ġmaintain ed In vestment Ġen tered ĠN ational l ity su ant TI ON Pro vision ĠBank s Ġadop tion ĠSer ies Ġcapac ity Ġcl i r al Ġmaintain ing Ġcontrib uted ĠO ff Ġuncertain ties ex empt 9 5 ĠO F Ġvari ety Ġdec ision Ġs ize ib ility ag ed Ġdefa ult Ġoffic e F inancial ĠE qu ĠTax es j unction Ġcon junction x t R es Ġmonth ly Ġpremium s Ġcomm ission Ġdoll ar Ġperform ed Ġrecogn ition Ġsubj ective ont in d own stand ard Ġdo ub Ġcompeti tion Ġacce pt g ing Ġpurpo se te p A c m aturity on th und ed 8 8 Ġm itig ar ing or n ĠS B al f Ġad ded Ġsumm ary ĠD eb Ġab le serv able Ġfin ance ĠPolic ies im e Ġwh olesale Ġd ur Ch anges Ġst able ĠI N Ġc ause Ġwe ak Ġn ear tim e Ġborrow ed Ġacc omp ous ing iv ision Ġallow ances ist ration F urther Ġwith dra fe ren Ġse l Ġoffic es l us S ub ĠAL CO ĠS u in ations R B ĠF und Ġpracti ces Ġposition s Ġ vers Ġperiod ically 7 9 Ġkn own Ġre tained Ġta ke Ġ2 2 Ġpen sion Ġma king ĠSt and Ġcont ing Ġt ables n ess h ie m onth Ġac hie Ġvolati lity Ġcoll ec Ġprofit ability E C Ġrecogn ize O LI ur ring Ġbon ds Ġs ix Ġevalu ating Ġbec ome Ġdec l Ġenti ties Ġvers us Ġimport ant D eposits Ġt roubled Ġal ong Ġob tained Ġex ternal c overed C ons o ds ĠM ortgage Ġresp ons Ġal tern Ġcompar able Ġchec king Ġorigin al I S Ġf all Ġcomb ination c to Ġimp lement cto ber ic t 7 8 Ġde gree Ġex erc Ġdisc losures Ġstruct ure ĠBank ing ĠO ctober Ġ2 4 Ġidentif y Ġc oun 2 00 ĠL I lo se v ant Ġs low Ġconsis ted w ards Ġfact or Ġdur ation art ment anti t Ġreg ion Ġse n Ġswap s Ġwithdra w Ġaccre tion Ġrep ayments Ġdelin quent Ġl end Ġexam ination Ġregulat ors Ġ2 3 antit ative ĠE n ti ally rit ten ĠA d Ġiniti al is ted g es ĠC al ĠComm unity c y ru ary eb ruary Ġexce eds Ġne xt B OR an n er ally Ġcon duc Ġprof essional Ġbrok er ul tim Ġ ultim C on i qu Ġinvest ors Ġt arge ang ib angib les v iew ver y w ise ed uc as ing n ight ĠF ebruary ĠSer vic Ġs ur Ġass urance ĠA gree Ġperiod ic O W tion al 9 9 Ġrep ay T TI 7 6 ai ly Ġsen ior p re Ġfo re ol um Ġappro ach Ġmonit ors sec ured ival ents sen s Ġfund ed Ġadop ted Ġcan not ĠAN D Ġs ti T M o u og rap Ġoblig ation par ty Ġobj ective Ġrespec tive ar io Ġmanag ing O ver ust ain Ġinvest ing m ber Ġflo ating g th Ġs ustain Ġexceed ed Ġd irectors ve mber ĠNo vember ur al 5 1 Ġin st Ġdis p Ġderiv ed Ġres ol ĠEqu ity Ġapplic ation Ġclass ification Ġ3 5 dow ns if orn hare s Acc ord iforn ia Ġd aily Ġdep end Ġre tain res sed Ġover night Ġh ousing Ġass igned Ġpr ivate Ġcorrespond ent Ġen ter Ġar rangements umul ated Ġdelinqu ency f low men ted apital ized 5 2 Ġb est Ġdeclin ing 9 8 Ġpay able ĠQ ual Ġaffect ing Ġd ivers Ġcomm unity ĠCal ifornia Ġgre w ĠRes ults Ġaccord ing Ġtrans fer Ġ ge Ġcalcul ation Ġcon tain Ġproduc tion Ġo uts Ġpen al ĠIn surance an ted oc ated Ġfin al Ġdetail ed Ġcau sed Ġ2 8 pr il ĠA pril Ġpur suant Ġst ren Ġd oc Ġsti ll Ġex ten ĠPeop les . , Ġapprais als te gr k s Ġreduc tions Ġslight ly % ) Ġ2 6 atis f ĠA t Ġrele vant Ġsubst an Ġex change g ul Ġpro spec Ġm ember ific ations Ġrat ings Ġassess ments tion ed ri ter Ġequ ivalents ontin u N B on e Ġcon tained Ġh alf ĠF RB Ġprovid ing Ġcommission s Ġ2 7 ĠVal ue Ġin p A pp ĠS ub et ary Ġmod ified Ġre qu Ġintend ed ĠStand ards F r Ġin tent ec ause Accord ingly Non performing 6 3 Ġscen ario Ġprim e ortfol io Ġs atisf Ġapprais al Ġw or ir m Ġred e se e Ġdoub t Ġf avorable Ġissu er d ollars Ġ5 0 Ġco ver D e Ġmarket ing Ġevalu ates ĠLI BOR ĠT otal ve l ti cal ĠS out G oodwill Ġpro te Ġmaxim um Ġw ritten RE S ers hip 6 2 Ġge ograp ĠSB A Ġac tion Ġother wise Ġdes ign em n Ġrep lac Ġconcentr ation Ġcoll ected Ġvolum es V E Ġr ise n er st ate Ġperson al B ecause Ġc riter Ġgr ad Ġsh ock le y Ġsubstan tial Ġf re Ġlarg er Ġst ated Ġc umulative Ġpled ged u tions Ġpro por Ġgener ate m ier Ġint angibles Ġreason ably Ġev idence Ġ2 9 Ġdistrib ution he re Ġdirect ly su red Ġunf unded Ġhed ge Ġresp on Ġun p Ġdes igned Ġoffic ers n ed Ġc lose Ġlaw s i ance we ighted ĠIn vestment ĠS heet Ġen g ĠB usiness p ric l p Ġco up Ġren ew ĠA r l er Ġcommit ment 5 3 Ġalloc ations S ince Ġhe lp Ġinc orpor Ġre in Ġin tegr Ġproj ect Ġa ri er ic Ġann ually Ġno ted op ic ĠPro gram Ġdelinqu encies S al Ġstrateg ic A B Ġr ules 6 4 Ġmaintain s Ġred em Ġstand by Ġneg atively ati c Ġc re Ġdoc u 5 4 Ġres ources W ith ĠM ay umm ary Ġun secured Ġal though Ġindivid ually Ġexpect ations Ġcriter ia s ing Ġemp h Ġenh ance Ġ31 0 Ġinherent ly O f Ġover dra Ġfacil ities orrow ings Ġshif t rec iation ĠMar ket ro ss all ocated 6 1 ĠO TTI Ġco verage l ier i able Ġquarter s Ġre fer o sed Ġinvol ves B S Ġw ork Ġcomple x Ġob servable 8 7 Ġprep ared Ġm er S FAS Ġstat utory Ġparticular ly M ortgage C apital " , ĠP lan Ġacc umulated Ġimmedi ate Ġrespon se in ion ĠP ortfolio own ed n ual Ġd ow Ġtechn iqu Ex cluding u te ten tion ĠD ata Ġind emn ĠI mp Ġf il act ors Ġqu o As set Ġacc ess ĠALL L Ġele ments l or ĠP en Ġdetail s ĠTDR s we ll ĠIn d ic al Ġutil ize w h Ġbe gan ric ult ontinu ed Ġcorrespond ing in ance Ġpre ss Ġsub standard her n Ġforec ast sens itive at ory Ġ4 0 Ġorgan ic 9 7 Ġr ai Ġtr a Ġinp uts ut ing Ġun allocated B anc Ġremain s Ġh ow Ġfl at Ġd ra Ġyield ing dition al Ġs us Ġhistoric ally up ied Ġmon etary Ġconsist ing Ġsepar ate ĠAgree ment Ġbe h Ġear lier an eous Ġavail ability Ġspecific ally M arket li ke Ġgr ade Ġaltern ative Ġwarr ant os s ĠAS U flow s in cluding le mented Ġl es t on Ġsell ing Ġpropor tion Ġaccomp any Ġcompar ison Ġattrib uted Ġhe re Ġmanag ed ectiv es Ġfr ame Ġdep ending Ġproj ects Ġaccept able M EN ie ld Ġm en Ġindic ate Ġredem ption w are Ġliquid ation Ġ8 0 Ġexce pt E T Ġcomp are Ġobj ectives Addition al ir ing ur ns e as Ġrece ive n el Ġaccompany ing A TE An y Ġat tem Ġtrans ferred Ġlimit ations Ġrep osses T r Ġgeograp hic an ing em p ĠCD s o se D ue Ġt en P re p le b lig Ġdef in ĠAn nual ĠC ont 8 2 i sed itiz ens ic e ĠQual ity Ġm is Ġbet ter Ġend ing Ġouts ide ĠAm eric e ls S R id a Ġsp e A ccounting Li ability Ġcons ult Ġ K Ġstand ard Ġexp ects Ġassess ing Ġfore ign b ur Ġ3 4 Ġderiv atives ag n Ġno te Ġdeb it In cluded Ġupd ated Ġaud it Ġin tern Ġdecl ared Ġissu es Ġprogram s us sion Ġinflu enced Ġsett lement A TION ĠC ar C ash Ġc en Gen erally C B itig ation Ġoff ered is ory ĠG overnment B alance Ġhigh ly ĠD eposit lin e Ġind irect Ġguarante ed olum e Ġsustain ed F S loy ment in t Ġindic at Ġrepor ts F HLB w here Ġha ving 7 4 lor ida Ġd irec Ġass ist ĠY ork ract ual C ritical Ġmove ments Ġmodel ing C redit ur itiz p ro Ġperson nel Ġel se Ġqu antitative Ġd educ ĠPre mier Ġli ves pp lement ĠLe ase C F Ġhist ory Ġminim ize ĠY ear Ġperm it Ġt end Ġdetermin es Ġcoun ter 7 1 es ts Ġneed ed C ertain Ġuse ful Ġguarante es 8 5 il i ĠL O Ġunc oll Ġindic ates Ġgr anted Ġestim ating ri es ĠF lorida Ġpred ict Ġanticip ate as ic a im R ec ount y blig ations Ġinc en Ġmitig ate Ġelse where O ff Ġdisc losure Ġconver sion Ġadv ance ro up Ġman ner Ġindemn ification ĠR ec le ase Ġterm ination s ue Ġsh or Ġexten sion is h ĠII I Ġp h Ġag ricult ch anged 7 3 anc ed ĠT opic ten ance F air c apitalized Ġtechniqu es Ġp e Ġop inion ĠW es Ġm agn Ġoffset ting og en 7 2 Ġin sured Ġan other ud e Ġquo ted Ġun less Ġqualify ing ll ing ĠDisc ussion Ġf unction ĠF or ug ust ent ral om ogen lass ified y ond Ġbe yond Ġme aning ĠA ugust Ġauthor ities 9 1 8 3 oun ce ud ent ĠSu pplement ver ti Ġadmin istration ie f Ġs tep Ġguaran tee Ġprof ile o f Ġun used Ġspec ified Ġnet work Ġret urns Ġdec reasing 9 6 he ets ĠO bligations Ġinv ested Ġmeasure ments oll y Ġinter im Ġinvol ved S er Ġmat ters Ġde fer Ġmagn it Ġb oard Ġutil izes Ġrestric ted Ġrep urchased Ġwh olly Ġr ated Ġcli ents iti vity Ġorigin ate Ġf ail Ġown er Ġre ferred Ġother s Ġmain tenance Ġhere in Ġv iew Ġaddition s Ġmagnit ude ĠD e all en F irst Ġregular ly Ġcor rec Ġexerc ise A m Ġconsider ing Ġpo st Ġbec omes ĠP urchase verti sing 8 6 in a ec tions Ġmeth ods Ġdesign ated ec tively Ġreduc ing Ġdevelop ed Ġun able ou se Ġpro ces se y Ġpre vail ii i Ġdisc ontinued Ġanaly ses omo b ĠFund s am p Ġtim es R isk Ġdiffic ult C ont los s Ġdocu ment Ac tual re at Ġr ight Ġsec uritiz Ġatt ract Ġcoup led abil ities C E Ġdivid ed E ar Ġimp lemented 9 4 S B Ġel im ro p Ġoverdra ft Ġunder standing Ġappro xim Ġuncertain ty ĠS ens Ġimmedi ately 8 1 Ġre tirement S h Ġch allen Ġcl aim ĠE state Ġmultip lied ĠM SR 8 4 h ib s h Ġth ings ĠN OW g ress Ġgr ant om in Ġcommit tee Ġindividual s ons ored Ġre nt Ġapp ly Ġinstru ment ĠD ep Ġse r Ġultim ate 0 5 Ġun its There fore Ġparti es Ġrel ates Ġli st Ġin ten ĠVal ley Ġa ver Ġrestric tions Ġt e Ġhe alth Ġmod els Ġaut omob ĠSupplement ary Ġvary ing Ġrestructuring s ĠA TM al le 9 3 App ro r ai ase l emp loyment ĠO ur Ġsu per on ounce Ġmonit ored Cons umer ĠC ounty ĠDeb t feren ce pre t ĠEn ded anc h ac tion 0 1 9 2 ing ton Ġmeas uring ir gin ĠRe al Ġconcer ning Ġloc ations as on Ġdeposit ors Ġles ser Ġof ten ĠP art clud es Ġar ising rec urring ar ation Ġ3 3 alle l Ġpr omo vest ments Ġdoubt ful Ġ6 0 Ġcollect ability Ġsal ary S E Ġapp rai ĠT h Ġstren gth I tem Ġconting ent b ank Ġ3 2 ĠS EC Ġexam ple Ġproj ections ĠV irgin Sal aries ĠDep artment Ġbuild ing Sub sequent Ġ ill RES T Ġdow nt In c ĠN orth Ġfall ing M A Ġexec utive ĠM erger Ġiniti atives 0 4 m arket TE REST Ġdep reciation ĠI s Ġcontract ually Appro ximately n ings Ġcl os CO M Ġh omogen Ġdown ward iz on Ġagricult ural ĠO r C C " . a e Ġacce ler Ġs a Ġframe work 0 6 Ġcomp ly ol ina Ġexist s i an Ġb acked ĠB OLI Ġachie ve M O Res ults k es Ġb ond Ġimprove ments Ġtest ing Ġprevail ing = = ff ective Ġdisc ounts Ġun employment b s ĠA g ĠM id Ġevalu ations Ġbroker age ĠG roup ĠM eas od d Ġestablis hes ĠC itizens Ġunp aid Ġ & Ġtrust s l ing ĠA C L e Ġsel ected Ġac tively Ġresol ution r up at ch Ġwithdraw als s tim ce p Ġrat her Ġse ven Ġdiffic ul Ġtra ditional L O l ies Ġvalu ations an ent p ite Ġsh aring S pec Ġwe alth Ġexp ire hold er pric ing 25 0 On e Ġrespons ible t angible Ġma kes Ġincen tive IT Y a ds Ġeff ort ow er Ġform ul oun ced riti c Ġcompare s Ġmost ly Ġpenal ties uctu red ĠVirgin ia U N Ġac tive ull y Fr ank Ġtren d ac tive Ġe m Ġinst all Ġsus cep Comm it Ġflo ors ĠN P ĠRe gul Ser vic ad ed ĠSens itivity Ġl ate Ġcase s 0 2 Ġtechn ology Ġrequire ment Tr ust tific ation Ġextend ed onounce ments Banc o if ies Ġimp lied Ġreas ons Ġreposses sed Ġunder t ĠM BS Ġsys tems t able Ġcon serv Ġh or Ġf irm Ġa wards ĠComm on Ġfluctu ate Ġfoc used Ġsuscep tible Commit ments ĠComm ercial Ġm ight ur rent Ġt reasury Ġcon form Ġfre quent Ġm ig Ġoper ational Ġmat ch ĠCar olina ĠAc quisition Ġatt r Ġch anged E ach ĠRes ources Ġsuccess ful Ġta king omp t 0 9 T ax Ġperm anent Ġto ol vail able Ġhe ad Ġclose ly ĠD odd AL CO ĠR E Ġre vers val ue te ad Ġfac ility Ġwho le ĠLi quidity is hed U R ĠOff ic Ġdisp osition Ġs ound Ġqual ified 5 00 Ġupd ate s hares 0 3 ĠF air on c enc ing ak es Ġuncoll ec Ġd ivision ĠS ummary pr ime ist r Ġpar allel Ġadd ress rease s Ġsec uring en ess Ġexp os Ġun changed ge ther Ġinv ent Ġacqui re Ġann ounced ĠH old Ġsupp lement Ġman ages Ġgo al Ġrede em urch asing ĠE VE AR S Ġ3 6 Ġb asic Ġprep aration Ġpool ed ti b Ġe lig iz able M C Ġ200 2 n et Res idential Ġoff ers Ġimpro ving f our Ġproces ses L C v o 0 8 Ġpa rent O REO tu ally ru ing O cc in d Ġsmall er ĠB asel Ġfe w F ederal Ġdirec tion c ost TI N Ġmember s Ġshor ter tib ility ol ving Ġiniti ally P ER Ġis sue Ġrel ate Ġimplement ation Ġexp ir ĠPeop le ivid end Ġ4 8 m ore ar ison Ġrel ation Ġplan ning Ġtarge t Ġref inancing Ġr un Ġev en ĠImp airment Ġcli ent hare holders Re al ĠOffic er ar ch Ġde l Ġpay ing Ġbec ame Ġestablish ing Ġexpos ures qui red Ġregion al re es Ġb ack ĠA verage Ġsched ule Ġcomp uted ash ington Ġcontrib uting Ġallow s 12 3 h ouse re tion Ġcon f Ġth us Ġexpir ation as ter Ġexp ressed Ġadv ant Ġn umer Ġd ay De ferred fl ation t ure MEN TS Ġdownt urn ear t Ġso le cess ion eart land ĠM ae po sed Ġreceiv ables Ġl en Ġcomple te Ġinterest s Ġari se Ġind ex Ġdoll ars Ġ very ĠTr ans Gen eral ac e Ġopen ed Ġpermit ted Ġdisc losed Ġspre ads No te t ors Ġad vertising Ġexpand ed Ġcontain s Ġinstall ment 0 7 Ġm uch Ġac ross Ġpr udent ĠSub ordinated Ġtime ly s c it u Ġdecision s Ġr ule Th rough AN CE G E ol iti Ġs itu f ully Ġr anging IN G Occ upancy oliti cal Ġc losed Ġcal ls Ġuncollec tible ter ling Ġno tional Ġindic ative Ġautomob ile St ock Ġapp lying Ġpresent ation im p H E olog ies Ġsimul ations ĠAr rangements is l Ġform er Ġsee k ĠB alance por arily ĠJ er Ġassum ing Ġst ates Ġf ound Ġ3 7 Ġestim ation Ġoper ation g the Ġprote ction enc es Ġsatisf y Ġbro ad Ġparticip ation ĠF r Ġaccord ingly Ġpr ompt Ġremain der D eposit L E Ġclaim s TIN G Servic e Ġdra wn Ġemph asis is tered ren cy ĠW est Ġi tem N MA Ġcon cession ĠIn ter a fter Ġto gether Ġoffic er ĠDeb entures Ġincorpor ated ch ant ĠP CI Ġme ans Ġso ft Ġpe er ĠJer sey it ures ĠD eposits Ġ ) Ġse ason Ġspe eds Ġqu an in n ĠCommit ments ĠPro vision Ġpremi ses ĠPr ivate ie lds Ġsur ren Ġelig ible ĠCh ief ĠSout h ĠL oss Ġres id Imp aired Ġrel iance Ġel ect Ġmaxim ize Spec ific Ġindust ries Ġindicat ors ritic ized Ġprep ay Ġclos ing Ġor d onc il ut ual ĠCh anges P P ĠB orrowings ATION S b urse Ġgroup s Ġnon c Un ited Ġcompar ing Ġcall ed in ary Ġcons olid R ep in ess Ġ3 8 Ġp urchasing ĠT CF COM E Ġs heets Ġst ress Ġrepurchase s P ar Ġex cluded ĠS avings Ġutil izing F o Ġbeh av Ġacc ur Ġhed ging Ġde al Ġidentif iable ain s Ġp age Ġenviron ments Ġl itigation Ġre im Ġenter pri Ġadvant age orth iness Ġpre ced Ġill ust Ġamend ed o b O L u ses as ses ĠA l ĠA ll F G Ġgrow ing Ġexp end n o Ġmethod ologies g rees Ġinvent ory like ly Ġaut o Ġ$ . Ġde grees Ġregul ation Ġaver aged Ġser ve Ġfrequent ly c t Ġp olitical Ġcategor ized ĠLi ability Ġnumer ous Ġquan tif ĠAc tiv ĠM at ĠBanc shares U L Ġanalyz ed F DIC ec utive Ġrece ip Ġwh at ĠR ates Ġassum es Ġe ight Ġenvironment al ĠO n Ġel ected Ġreal izable ĠLe vel ĠO CC ass isted res sion R et Cont ractual Ġdep artment re ed an ticip lus ive Ġhor izon acc ruing ĠAmeric a Ġt reat Ġeff ectively Ġcomple tion Ġwho se n esses o ti Ġde li Ġsurren der te en Ġleg isl Ġhomogen eous gress ive Ġsummariz ed id ent Ġallow ed Ġdefin ition t or Ġadequ ately Ġguar ant on str Ġproblem s Ġsepar ately Ġpercent ages stru ments Ġweak nesses Ġfo ot Ġinvest or Ġgo als ĠServic es a rent e or ĠF inance form ance Ġdisc retion Ġre ver ill e Comp arison Ġaff ili Ġocc upied Ġcalcul ating ex pec Ġrai se Ġag reed ĠNon interest ic o b ack Ġw ide Ġdepend s Ġattem pt v ille Ġ ve Ġdistrib utions Ġb re ĠO ver wh ich y c Ġ3 00 Ġes sen Ġdem onstr Ġm id oll ateral AR P i red Ġc are Ġs um ĠLO AN in ate Ġissu ers Ġre st Ġ z re tirement Ġ3 9 Ġconsult ing Ġvalu ed ĠIn struments F actors Ġpro posed Ġconduc ted Ġhead qu O per Ġsubsequent ly ĠEx change ĠW ashington Ġfil ed ĠMeas ure ĠC ash Ġn ine lus ion ĠC MO ist oric iz ations Ġ7 5 ĠM ac Ġn or Ġprospec ts ĠL ending ĠP er Ġass ign Ġvari ance Ġsever ity CI AL Ġmeet ing Ġve hic Ġexceed ing Ġpress ure Ġrec ession ar m t le ant a anch ise Ġposs ibility P er Ġsub d pec ial rec ogn Ġme ets Ġrev olving Ġpreced ing Ġpre c Ġmig ration R R h ood Ġissu ing Ġmer chant Ġwe ight ar tered ĠA cc ri or Ġex empt Ġmultip le a verage Ġdivid ing rup t Ġn ow Ġmen tion ĠH eartland ĠF IN For ward ves ted Ġrep aid Ġele v Ġout flows Ġcorrec tive Ġm edi u tes Ġbu y bur g ian a Ġo w C ore ap id stim ates Ġparticip ants 1 14 Ġauthor ized Ġcollec tibility Ġrefl ective li hood Ġadv isory Ġ4 5 S P Ġoper ate lac e Ġoccur s Ġt akes Ġdown gr Ġresid ual ĠAg ency f ers r ated Ġc yc AB LE Ġbehav ior I I Ġconcer ns s titu ro und Ġy et ren ce y n he st Ġst abil ex cluding B usiness Ġoper ates Ġmod ification Ġlike lihood Ġasses sed Ġaud ited Ġexam inations Ġl ight ĠS h are house a ke ĠC od oc c Ġadmin istr Ġrever sed Ġexpend itures ar k Ġpart n Ġli en Ġag gressive Ġmod est Ġt ied Ġmargin s w est Ġdeposit ory d en Ġfac ts Ġauthor ity I E Ġintegr al ĠSt at ĠS an Ġrevers al ĠYear s Ġreplac e Ġre tention Ġinter pret Ġsubd ivision Ġformul a Ġcontinu ous c hed M ost Ġmet ric AS C Ġelev ated c onom Ġinten ds Ġup ward Ġread ily Ġrent al Ġapprai sed Ġsee ks Ġhed ges ĠG eor Q u Ġenh anced ĠSout hern alu ation UL TS Ġultim ately Ġdocument ation Ġtreat ment Ġrequ iring ĠOr der Ġpar tial ĠF actors Ġcred ited Ġfacil it Ġr apid er o Ġprob ability AN CIAL Ġcollec tively A C Ġhig hest Ġdifficul ties as ted ĠLi abilities Sh ort Ġcontro ls H istoric Ġpenal ty Ġcalcul ate p et ĠF OR ĠP u e v Ġbelie ved conom ic at her Ġprep aid Ġrem o ven ue Ġm and ĠC ON Ġiden tification ĠAs s Ġconsider ations ĠS ec Ġ4 6 Ġcons titu P rior Ġexperi encing CO UN Ġcon cluded Ġc riticized Pro f ĠC entral Ġ4 1 Ġlen gth Ġloc ation ann ie Ġm erg Re gul iv es Ġrede emed red d er to Ġpracti ce Ġemph as ĠWes Banco redd ie Ġgo ods O P P eop ex as Further more Ġintern ally Ġreview ing R ate a ud IT F ĠStat utory ĠR ico Ġmat ured Ġfr anchise y l est r men tioned ten tially P S Ġrev ised it ure Ġcl asses Ret urn Ġcomm unities verse ly al ances ic k in dow ent ure mp loy Ġforec asted Ġopen ing Ġcomm od ĠNP V pet ual V ER Ġcontinu ally Ear nings B orrowings Ġwor king Inc reases Ġacceler ated oncil iation Ġadministr ative ch anges Imp airment Ġari ses Ġsecuritiz ation u ar Ġoff s COUN TING ĠComp ared b ed ri ption Ġen c ĠPu erto s heet Ġthere after ĠIN COME Ġclass ifications Ġown ership ĠSu per Ġth res ĠRe g v an A fter Ġl ed d ate ĠO wn ĠO PER yl van ad es ylvan ia c lusive ĠS ignificant Ġb p st ant Ġshare holder Ġanticip ates Ġrecent ly ĠS terling ĠMSR s Ġus ually Ġamend ments bs ter Ġz ero F IN Ġcredit w ns ylvania Q U Ġm utual ic ial Ġapproxim ate occ upied Ġ4 2 ff er e g is a ĠT ARP 15 7 I TI Ġstr uctured Ġsoft ware Par tially clud e Ġinter change Ġcall able ĠC o ĠS e Ġmen tioned Ġcommit ted oc ation ectiv eness Ġpro hib Ġasses ses Ġbank rupt Ġexce ption iv ed ĠPen nsylvania ĠAC COUNTING B oth iv ing Ġsp onsored Over view ro ll ear ned Ġpo tentially ĠComm ission Ġd ri Ġpartn ership Ġimpact ing Ġcre ated ĠF annie Ġreal ization Ġsitu ations Ġre ference ĠHold ing Ġrecogn izes n on end ed Ġle ad Ġmarket able Ġpay offs Ġwithdraw al B C R O bed ded Ġa fore ĠS ection Ġcertific ate Ġform ed Ġafore mentioned Ġmeaning ful S im imp aired Ġref inance p lace Ġst atis Ġsa fe ĠIn vestments Ġse greg ap e Ġinst ant l anta t led Ġreim burse As sets Ġreplac ed ĠB enef Ġpositive ly Ġcontrib ution ĠF reddie Fr om Ġt it d e w ide Ġnew ly Ġa ware Ġrec lassified Ġcur rency ĠC PP ag ing S ignificant Ġt urn Ġstren gthe Ġcommod ity Ġcalcul ations Ġsupport ing Ġcon stant Ġdemand s recogn ized D I P O Ġp ower Ġeng age Ġ7 0 Ġpor tions Ġweak ness Ġlend ers Ġdivers ified Ġassum ption Prof essional Ġthere by Ġen acted ĠIn tangible Ġmetric s No tes Ġinstant aneous ĠT exas ĠCons umer Ġdevelop ments ol ds ĠActiv ities Ġv i om ing c ash Ġcomb inations Ġte am ĠC RE re am Ġrec urring ĠRe form Ġcen ters e ld Ġl ag ĠAd v 1 15 Oper ating Ġrespons ibility P o ĠCont ing A GE it an ol itan rop olitan re ments en ted is s Ġl ack Ġle asing Con struction Ġorgan ization Ġ4 3 S S Ġun earned l ished r on lo ok ĠV isa Rec ent Ġeng aged ce ll ist rib Non accrual d ay Ġt ests se l ce pt T ier Ġn ation 3 00 ĠComp ensation Ġg overn Ġsec ure Ġtrans ition tif amily end ar Ġobtain ing Ġhold ings Ġoffer ings P B ĠAt lanta wh at p l Ġcal endar Ġref ers Ġv est S ummary Ġenti tled j usted Ġf le ĠC ity Ġmedi um D ollars Ġorgan izations Ġcreditw orthiness yp ot ĠOper ating r id v als Re fer ul ation ier arch Ġcen ter Ġinc ur Ġmod ifications ĠM et Ġimp air ici encies Ġunf avorable at ter Ġrec lass ypot he Ġst atic ividend s ar b feren ces Ġminim al ĠIs su re ad Ġin ability ĠS al Ġrev ision Ġin flows Ġ4 4 Ġaccre table ĠIn flation Ġh ypothe Ġorigin ally FAS B Ġtr ade Ġpred ic Ġprec ise Ġcl ar Ġconcentr ated Ġ - row th y ield Ġord inary Ġsec tor ro duc Ġtho ugh Ġrenew ed Th ose ĠCD ARS Ġvari ances Ġcap s p ts Ġterm inated u ish 15 0 S A r is Ġincorpor ates Ġbankrupt cy Ġwarr ants e iv Ġdes pite b e T DR Ġp ass Ġgr ading ertific ates Ġsome what ĠDisc losures ) ; Ġgre at Ġreal ize V olume Ġmod er Ġrein vestment Ġhypothe tical Ġpress ures ĠAmeric an Y S Ġachie ved ĠRegul ation Ġfle x 10 9 Ġthere to ierarch y Ġm ed F TE qu ency for ward ĠAss oci Ġstaff ing Ġdefa ults D ec ĠL LC Ġl ater ĠR ati ĠOPER ATIONS io d Ġqu ick Ġserv es Ġcounter party p h Ġmarket place Ġanalyz e ĠIN TEREST ĠOwn ed ĠP o Ġservic ed P r Ġf aster G iven urn iture W est Ġfo reg ĠE S Ġreturn ed tax able Ġhed ged Ġconver ted ol ute d le Ġextend ing Ġconsolid ation ĠServic e Ġvolati le Ġst ar Ġorigin ating Ġ200 1 Ġperform s ĠWes tern ort hern ĠM aturity U M ear s ĠS ale or ted 12 5 at ures ĠOver view S hareholders ĠPolic y Ġattr active Ġcon sec inanc ed 14 2 Ġreceip t G ains ĠR ES Ġ5 5 Ġre ac ag o Ġutil ization Ġem bedded ĠF TE Ġcons um T R Ġ4 7 Ġmin us Over all Ġconsec utive Ġpre tax ĠG oodwill Ġmul tifamily le ments Ġpred omin u ter en ior Ġw arehouse Ġapp lies Ġrai sed Ġcondition al Ġre act ĠP l ten ing ut ine AS U Ġprospec tive Ġattem pts cell aneous Ġfoc uses Ġinflu ence Ġforecast s Ġconting ency f act Ġabs olute tiv es Ġwhere by lin ed at h An alysis or ds Ġun recognized oti ated Regul atory our se M any ĠC ertain c ore Ġh ierarchy Ġopport unity Ġbre ak Ġh omes ul k C D res idential Ġsupp orted ĠEx ecutive Ġsh ortf Ġag o 15 9 13 3 Ġ201 8 Ġfe atures 14 1 Ġbr ing Ġsubdivision s F C Ġrec omm ĠB alances Ġcar ds ĠExpen ses Ġtarge ted ĠMeasure ments Ġeff ectiveness C urrent se qu Ġre verse Ġnorm ally Ġl isted Ġsole ly Ġpay downs Ġindic ation sequent ly Ġbuild ings ĠA FS Ġconsum ers ĠP ric uar an ign s Ġadjust ing Ġanalyz ing Ġ6 5 Ġro utine Ġprote ct c tions Ġa ward Ġst ability Ġ5 9 su fficient Ġdesc ription par ties Ġplace ment Ġwor ds Ġbase s Ġdivers ification Ġgrad es sc rib ĠA ud Ġunderwrit ten 14 0 Ġrecord ing Ġintegr ation ron ic Ġimpair ments Ġresp ond Ġ5 1 ting uish r ue Ġcon sequ Ġvi ol in es Ġun likely Ġcompeti tors IN TEREST AL YS % ), am a E ffective ĠPen n in c 10 2 ons olidated Ġar range ALYS IS Ġb ulk Ġs out ir tually ĠF SP s ive Con versely Ġ + Ġbu ffer Ġconduc t Ġre ly qu al f ield ot ing Ġ12 3 v i Ġannual ized Ġgrad ed read y Ġ4 9 ĠQ u Ġac tu Ġpr onouncements ut ation ĠG AP ĠO ld Ġfre quency ĠC en EN T re et Ġal ready ĠInd iana Ġrec onciliation MEN T er r p onsored Ġemploy ment L oss ten ed Ġproduc e Ġadjust s Ġquantif y Ġarrange ment Ġval id h io Ġcomp uter Ġpre scrib ef ined D es Ġc e Ġflex ibility Ġle ased res ses ĠSuper vision Ġtrans fers istrib ution ab el Ġsuper v Stock holders In formation ĠPr onouncements tif ied Ġvari es Ġquick ly Ġtr aded ĠW h erg y ris is ĠS T 10 8 u fact Ġman ufact Ġproce ed Ġpled ge Ġnon recurring ef in ĠG en Ġrequ ests am ortiz ch ants um b Ġ19 95 ify ing Ġessen tially Ġint roduc Imp act Ġidentify ing Ġs tead Ġfr aud ad justed M B Ġaccrual s ag ency Ġmet ropolitan Ġshock s Ġrein vested Ġmis cellaneous ic ago Un like Ġlend er ĠServic ing Ġd en Ġplan ned bur sed s ight ĠNon performing ĠE stimates Ġout look Ġro se Ġheadqu artered Ġt ested Ġin f Ġimp acts Ġlegisl ation Po tential ĠO hio g ia un ctions Ġch o Ġke ep Ġa vo Ġtax ing Ġamortiz ing Ġf ree Ġb l ĠD uring Ġpric ed ob servable ĠAud it ti ce Ġp ace Ġ5 2 Ġ5 4 L ong Ġ$ ( Ġ5 3 Ġcounter parties Ġcomp osed Ġprofit able F uture ĠP arent Ġc risis tem porarily Ġindicat or Ġrele ase Ġstep s ; . s um Ġover sight 10 5 B OLI Ġcoun ties Historic ally Ġdel ay lic ation ĠY ields op e Ġop tim B y rec losed Ġsp l Ġthres hold te es ĠC O Ġparticip ate ro kered isc o ĠFr anc ĠC lass Ġcomm unic 1 10 S ome Ġnon e ĠGeor gia s tep al ls Ġsh ape Ġavo id Ġtr anc Ġfore see ĠA b Ġshif ts ĠFranc isco C R Ġ5 7 v olume Ġsub prime 11 8 Ġex clusive ĠL itigation 10 4 10 7 Ġloc k Qu antitative Ġw atch ab ama Ġhold ers ITI ES F OR Ġmo ved 12 0 Ġmand atory V B ĠMat urities Ġe very Ġ5 6 ĠAd min Ġprof its Ġdiscretion ary uc tion it n set ting for ce Ġdevelop ing eriv ative Ġindic es i ver Ġus age AL ANCE ĠLO SS yn am w ith Ġf unctions ĠU p ĠBanks hares efin ite Ġen ergy Ġorigin ates yield ing il es on ly er ing Ġbenef ited Ġinvol ving Ġmove ment B e R M a h ĠCont ractual at or T ABLE r ates Ġw indow Ġcyc le Ġinc orporate ĠFHLB B ĠRec eiv I ES Ġflo or Ġnear ly Ġelect ronic t r ar g Ġ6 1 ĠF NMA Ġmunicipal ities V IE Ġ8 5 I D Ġv irtually N ew An other c om Ġwe aken Ġd il Ġd ynam Ġcontro lling erc apitalized Ġchallen ging Ġinc rement Ġmis m ent y Ġlet ter in s Ġv s Ġun observable ĠCh icago Ġgovernment al Ġind efinite Ġcre ate Ġfacilit ate Des pite Ġrec overed ĠE ar ortiz ation Ġcompri se Ġsur round Ġfollow ed f ts Ġh and == == ĠSt reet ser s Ġsett led U p b al Ġc entral Ġ5 8 D ata Ġex cludes Ġdefer ral Ġfoot pr DI TION in vestment Lo oking Ġaccre ted Ġkn ow Ġexpand ing Ġto ok ĠC ol rough t Ġdisp os ĠConting encies 4 00 Ġcomp ression Ġexp osed Ġdra w Ġdeli very T V he ad Ġcon ven ĠH eld Ġp ut Ġchallen ges Ġat tention Ġen ters Ġ6 4 pec ts ĠM on 10 6 Ġforesee able Ġfootpr int 15 8 Ġcontrib utions ĠCod ification Ġsurround ing m it ĠR estr Ġwork out el ected Ġgr ants Ġimp osed ans as pecial ly own er Ġpredict able ĠCMO s Ġrapid ly Ġreac hed C ollateral Ġform al pric e mploy ee Ġadmin istered au ses itn ey Ġrecomm end Ġdynam ic ĠRep ublic T ime Ġcl auses Ġforec losures ve re Ġref und er it Ġeconom ies ĠCON DITION E D ur suant Ġli e Ġassum e Ġex clude Ġex tinguish ĠJun ior oll ar Ġsuccess fully s ponsored omm od ont ro Ġestablish ment Ġst ream ĠM ary term edi ĠWe bster B I Ġconserv ative F in Ġenterpri se m ost r isk ĠDe velo Ġde ath Ġacc ommod Ġes pecially Ġsever ance amortiz ed Ġlie u ĠA pp Ġf urniture Ġ8 9 Ġfac e ĠRep urchase r ay ĠS enior Ġcapital ization Ġproduc ed Ġmatch ing ĠAl abama as tern Ġse vere ĠS HE 15 6 Ġrestruct ure , . Ġf avor ĠC omb ĠAssoci ation N Y ĠE ITF Ġann um ĠF o Ġ6 2 Ġvest ing Ġlo ok ĠC ritical ĠP ac Ġpost retirement it tle Ġex t Ġdow ns Ġo ld Ġ8 20 ro ve OL IC Ġst ri Ġund ue Ġconserv ation VIE W o res Ġe lement In vestments 15 5 ĠG re ĠSec urity I M Ġpre ference Ġforeg oing Ġgener ating 10 1 Ġanalyz es H ome Ġrec ords 16 0 U AL Ġac tually serv ice ĠAdmin istration ĠP OLIC IC AL ĠRe venue Ġparticip ations Ġt ier led ge Ġaggreg ated a king at ors Ġpay out Ġcompar ative Ġex hib 15 4 Ġret ro RES ULTS er chants Ġb rought im arily Ġ6 6 Ġmer it Ġg ive Ġimp rec 10 3 St ate b ury Ġissu ances ĠLOSS ES S FG Ġgener ation Ġvehic les ĠIs land ĠMary land f unded ĠB u ĠL ife Ġdisc ip G rowth P ursuant u is w ay ĠIn stitu Ġextension s Ġreserv ed c redit in o ĠB l Ġrecogn izing Fin ally Ġn ame Ġacc rue Ġpredomin ant f ree ĠT SFG IT ICAL Le vel ll ed C ertificates Ġgreat ly ĠPOLIC IES Ġsell s anticip ated Ġsec tions Ġpart ly Ġsuperv isory ontro lling uc k ad equ Ġno tice UR ITIES . ) spec ific Ġmed ical er ks Ġpled ging Ġbrok ers Ġimplement ing Ġconsequ ences c omp l ights A vailable es tim Ġtw enty Ġamend ment Ġconduc ts Ġl ittle ain ed Ġappropriate ness Ġproportion ately amp a Ġsystem atic ĠWe alth Ġundert ake Ġincrement al s ub Ġrele ased Ġrenew al Ġsegreg ated Ġspl it Ġin stances Ġconstitu te Ġmoder ate d ependent F I Ġrec ourse HL MC Ġexpect ation Ġg ood ĠAgree ments Ġbreak down Ġpos ses Ġdeb enture Ġwarr anted R S Ġ educ ustom er Ġdec ay W es h ire w o Ġup gr Ġaff ects Ġ6 3 Ġ6 8 Ġd rop ĠS heets Ġass ured ĠRe view ĠCon sent erks hire 11 1 ĠUn ion AC T in come Ġto ward act ory Ġadd resses Ġg ather Ġ6 7 ĠComb inations Ġrel ied ad a Ġhe av 11 7 ĠAcc ount % ; c ertain d eposit ch m Ġde em Ġrepric ed lo bal expec ted Ġper petual arter ly 12 1 Ġconver tible ĠS hare Ġdevelo per Ġt em be lie Ġoccur ring ĠPric es Ġ ver dition ally ĠU S Ġenterpri ses Sim ilar Ġcomplex ity Ġconf idence ar ial On ce Ġmitig ated Ġundert aken Ġleg acy Ġrep osition Ġun anticipated Ġpublic ly Ġchec k ĠFIN ANCIAL PO S ĠC W ĠD istribution 13 0 Ġenc our Ġpartnership s Ġb ear ĠST ATE 1 13 ĠF NB Ġconf irm f ety Ġa uction Ġun amortized Ġ7 2 Ġtool s d ic e ffective 11 9 ĠOff ice p ayment Ġpay s Ġ7 6 Fo reclosed Ġc ount Ġinc ep ĠS ys ĠCh anging ost on Ġfew er M ore O MC Ġincep tion ĠS mall per formance Ġfe ll acc re Ġclass ify Ġemploy ed AP IT Comp ensation APIT AL ĠAN ALYSIS Off setting Ġrel ies ĠI RR Ġ7 1 Ġconver t Ġexec uted D A N ON Ġco ven Ġillust rates is bury ĠD ef Ġregard less De termin Ġactu arial j ust Ġto ler Ġslow down D S Ġsh ared ĠH ill c ase Ġdemonstr ated P lease Ġserv ed 12 4 Ġfail ure Ġrestric t Ġsa fety llow ing VER VIEW % ). Ġdeposit or Ġ4 00 Ġf if iden ces Ġj o ĠMar gin With in Specific ally Ġprecise ly C ES j ect Ġconsistent ly Ġslow er T erm Ġde vi ĠIn ternal gin ning Ġreceiv es ĠAc quired Ġv end Ġdocu ments Ġsus p ĠE conomic Ġtit le D ividends Ġres idences ĠF low ĠM ain Ġelim inated F und Ġinterpret ations Ġknow ledge ĠH aw Ġaffili ates P A Ġproper ly Ġreposses sion Am ortization Ġconform ity Ġf ed ĠR AL Ġunc onsolidated ough t LO C Per forming ur ate Ġem erg Ġin termedi en chm is ten 12 2 k er Ġper ce Ġaut om re alized ĠR O Ġtem porarily m an r s ĠF ed ĠD el Ġperm its erit age is tent ap pro Ġaggressive ly us ing Ġmat ures ĠSHE ET Ġpar ame pret ation Ġextinguish ment T A st antially Ġreclass ification ĠD ue 11 6 Ġon ce em and ĠRegul atory Ġsupplement al Ġ , Ġprovid er Ġh olds 16 1 Ġredeem able Y ields l ong it able Ġun expected Ġcl im ĠES OP Ġpr iv 20 11 ai i Ġpresen ce 12 8 Ġpur su Ġ15 7 tic s to p Ġdefin es D iluted Ġo pp Ġmerg ed it ing Ġconcession s Y ear ac le Ġper tain Ġinter vals Ġsupp ly Ġconcer n f r is ons ĠIn formation ĠB oston Ġhe ading Ġregulat or Ġappropri ately Ġparame ters Ġp ending is ors le ph Ġno vo Ġcollec tions 1 12 ĠCD O St and ll ino ĠB e Ġph ased llino is e ff as k Ġund ercapitalized Ġout p inn acle Ġt re Ġto p Ġaff ord Ġ6 9 Ġguarant or Ġv ac ĠS hareholders 13 9 ĠPr ime Ġadd ing ĠRati o anc ing P CI Ġre ach ĠN II 12 9 pr imarily Ġseason al ĠSys tem Ġcon tem Ġb enchm leph one t ary ĠR ules Ġob serv ĠCredit ors Ġsupp lies Ġprescrib ed D ep h y Ġc ampa In surance T CF led ged ĠDef iance The y id ed Ġpre ferences Ġlow est we ep Ġcoup on S ec Ġc le Ġvari ables Ġcare fully R A Ġinc lusion Ġover head MB ER e termin Ġpr om ĠI llinois Ġexce ptions Ġdeterior ating Con sequently Ġattract ing Ġproceed ings Ġeduc ation ra struc Ġmin or Ġsimul ated ĠTrans action D isc ĠUp date Ġen able ĠO TS Ġpro gress Ġ7 3 Ġph ase Ġbenef icial Ġdeduc tible 14 8 Peop les ĠHaw aii re l Ġiniti ative Ġro ll Ġgrad ual s on 13 1 Ġlimit ation Sub stantially Pre mi Ġinf rastruc Ġun s Ġ7 4 Ġimprec ision Ġr anges 16 5 Ġsp ending Ġviol ation In tangible ĠA vailable Ġexpen sed Ġdecl are Ġev iden Ġparticip ating In d 14 4 Ġdeterior ated Ġintern et Ġvehic le ĠPac ific Ġse en Ġrel iable ĠL TV for wards Ġposs ib QU ID O TE r if Ġproduc ing EC E com ings Ġ err Ġdirect or D eb 13 4 Ġinfrastruc ture Ġins tead 16 2 Ġaltern atives ĠInter pretation ĠU CB Ġview s QUID ITY os ite Ġli ens Ġconting encies g en Ġreg istered Ġsub mit Ġrecover able aw are Ġexerc ised E VE c row p os Ġc orporation or gan Ġl atter Ġ9 5 13 5 Ġren eg ustom ers Ġouts our L ending l im if orm Ġthere of IC O Ġser ious Ġsh all ĠT A Ġbelie f Ġcap tion Ġdifficul ty 6 00 ig her ĠM ich igh tened Ġsc ope Ġrequ est TDR s Ġtarge ts Peop le V aluation Ġes crow uct uring Ġsatisf actory arg ain Ġshort comings Fo llowing Ġw orth ĠE X Ġ201 9 Ġreplace ment isten ce ECE MBER h od Ġbp s i ence ĠR ATE G ross l osses Ġ8 3 Ġbeh ind Ġclar ifies Ġen force 14 5 13 8 Ġeviden ced Ġdetermin able 13 2 accre table Ġl abel Ġpro long ĠW il OR T Ġdispos al Ġfavor ably Stand by he ast Ġex istence ĠCO M b rid Ġ1 20 qui rements Ġlow ered Ġcontrib ute Ġobtain s OW ANCE Ġnation ally As sum Ġ7 8 Up on Ġgather ing Ġtre ated 13 7 Ac quisition E qu s hare Ġb argain ig an Ġ7 7 ĠTrust s Ġprolong ed F ees ĠP res Ġprep are ĠG SE Ġinterpret ation Ġcontinuous ly ĠH eritage Ġprof ession Ġclim ate Ġin sufficient Ġstock s 14 3 Ġdel ays ev ada ĠMich igan c on Ġcompar isons i um Ġattrib utes ĠD ECEMBER Ġun iqu arr ant Ġde ed ĠG uaran Ġstead y CR ITICAL ĠDel aware Ġex isted Ġdep loy AN AGE ĠBenef it ANAGE MENT ur b 17 5 Ġoccur rence Be ginning ĠA RM 12 6 A A L F O UR en n ust od Sh ould g ap E conomic Ġs olid Ġprofession als Th us Ġp ub Ġdoub ts d efined o ub Ġpromo tional Ġlo oking Ġidentif ies Un realized in al ud ge Ġ7 9 Ġal most M at ĠC orp ĠN evada ĠSt aff P EN a ment s ized Ġc a ber ty ĠIn tern Ex pen Ġequal ed Ġte lephone Ġunre lated sh aring 7 00 Ġ ent Ġretain ing Ġstar ting ĠWh itney t ful ĠD ivision Ġdiff ers ĠK ent Ġuniqu e rease d ĠC oun Ġcomp ens IS K Ġdivers ify uck y E ff Ġvari ability Ġstatis tical Ġ9 1 CO N B ALANCE H igher K ey ĠT roubled ss ue Ġinstitution al Ġlimit ing 15 3 Ġel ection FIN ANCIAL Ġcomp r ĠS pecial 14 9 Ġiniti ated Comp any Ġoverdra fts oub tful C itizens Ġb id ur ances ĠRe quirements Ġch ann Ġcon d Ġr amp Ġ8 8 Ġpur sue Ġprospec tively Ġre set Ġdeterior ate ĠRE O ĠPres ident qu iring de al Ġpossib ly y brid Ġsel ect Ġorder ly Ġconc lusion Wes Banco Ġca using F F ĠLe g c omes Ġexam in App lication ĠLease s Ġ8 2 ĠP osition Ġamend s p lus Ġin tention Ġann u Ġow ed T opic Ġw ay Ġst udent Ġiden tical ĠCon n Ġexten sive Ġcoven ants i ses Ġlo ts Ġbegin s a ight Ġco ur Ġeff icient Ġstr aight Ġbon us Ġpub lished t ures Ġguarant ors Ġab sen Ġsc ores r ateg et ing Ġreg istration ĠKent ucky Ġaud its Am ong Ġs ug ĠF HLMC Ġpl at Ġenhance ments Ġillust rated 16 8 Ġentire ly ĠPl ans ĠR etail Ġass urances our ce Ġexp ression ĠB r Ġhelp ed Ġad he ĠL ong Ġout comes po se Ġemphas ize 12 7 Ġmodel ed ĠLi berty O TTI is su Ġallow ing Ġaffili ate ĠCo ast re m Ġb udge arm ers ind ing an es id er orrow ed Ġpay off 15 1 Ġmerg ers arter s Ġ8 1 Ġprovid ers 14 6 Ġg oing ail ure ĠRe lated M AR Ġsec tors pec ted 14 7 16 3 Ġview ed Ġindex ed Ġfoot no Ġplat form ĠR iver ĠH E Ġtotal s 18 0 p e 13 6 AL L Ġtranc hes Ġretro spec Ġdef iciencies Ġcarry forwards Ġelim in Ġabsen ce c omm ers on ĠRestr ucturing A g Ġn orthern Ġform s Similar ly or ies Ġl ic Ġv ia ĠI ssue arb or Ġexpression s c ing 16 7 ĠCen ter Ġ8 4 Ġ8 6 ontin ue Ġdeveloper s F ailure Banc orp ĠGen eral Ġg lobal Ġfund ament Ad vertising Ġstrengthe n omes tic ĠFlow s E POS Ġestim able Ġreceiv ing EPOS IT T emporary ain ing ĠP innacle Ġdefer r es see C overed ad o Ġref inanced Ġrun off Ġ3 20 reg on Ġmultip les over ies 17 0 Ġachie ving ĠQual itative ĠHold ings umb o per iod Ġle ver Ġtr ig FOR M Ġac quiring ĠSTATE MENTS ag rap Ġaccomp lished ĠRES ULTS agrap h Ġle ading es tern ĠF ICO ĠO regon Ġfocus ing Ġden om ĠReceiv ables Ġas pects Ġse ries Ġout come Ġaccommod ate ĠA RR Ġrec ip Ġfil ing Ġintern ational We alth Ġnon performance ĠM o aff ili ĠF OMC we alth Ac quired ĠSB LF Ġdeduc tions Ġdowngr aded is bursed isc ounted ĠG overn Ġtoler ance o usand t in o per Ġa ug at tle Ġapp earing Ġs ide enef it qual ified ĠC or eb ted Ġdevi ate Ġcap ture Ġunp ledged Pre mier Ġroutine ly Ġmism atch Determin ing ebted ness S F Ġs igns Ġs weep ist ing Ġ8 7 Ġcommon ly Ġsee king ĠFund ing Ġoutp ac Mat urities se en Ġthir ty Ġaccur ately Ġdil ig Ġoper ated Ġsp ace ur is Ġapp reciation Ġresult ant Ġ4 50 15 2 ull et Ġdescrib es Le g Ġdeal er Ġow ns ĠBu sey orpor ations ĠW all ĠReport ing Ġun iform ĠR ule Ġgener ates pp ed o ok 16 6 Current ly o te ut ations ĠP R ĠM erchants Ġfil ings B rokered Ġs ought Li ke Ġfin d sel f T roubled ĠM iss sh ould P urchase p ort Ġit self Ġfirm s ĠCommon wealth Ġexp l ĠV olume Ġrepresent ations Ġheadqu arters Ġapp ears Ġpredominant ly or ado Ġ200 0 ĠPen sion ĠT HE Ex cept Ġ ). Ġnon accruing ĠAr k Am ounts Ġaccur ate ĠPer petual Ġlegisl ative T yp Ġprincip le Ġoblig ated 16 4 Ġy ou ĠL ine ĠStand ard Ġreimburse ment OUR CES Ġcomp utation Ġd omestic Ġeff iciencies Ġamount ing Ġfail ed Ġhomogen ous Ġpro ve ĠT enn ertific ate f inancial Ġde le Ġpost age affili ated tin ent ĠTenn essee Ġgrow n Ġ0 3 Ġprior ity Ġelim inate ĠPer formance m ay Ġqu es Ġserv ing Ġshortf all ĠArk ansas Ġhe ightened ĠH ed Ch arge Ġenhance ment ousand s C MO Ġc orporations Ġre ti ĠM D ĠUn der Ġcor rel Ġcharacter ized Ġslow ed Ġreneg otiated qu e lo ans am es Ġind ebtedness Ġwhe reas 17 2 Ġstatis tics y al U S se ll Ġ9 2 par t 2 25 Ġins ignificant Ad just ĠMat ters ĠLOAN S ĠInstitu tions Ġwhen ever 18 5 Ġcontro lled Ġcontrib ut Ġg iving Ġwe e ĠW arrant Ġbl ank Ġalloc ate Ġremo ved 8 00 ĠS hares ĠG reat Ġheav ily ) % T C ĠC B Ġstruct ures sh ire H AN I ON ĠR ights Th at ĠSub sidi te ction Ġper tinent ĠS c ĠCol orado ĠEX PEN Ġ9 9 19 0 Ġessen tial Ġdri ver he m or ing Ġh ired lo an Ġadop t C ar Ġc ome In flation ĠB ro ĠLo uis ĠOn e as ion Ġpar agraph ĠFor ward Ġsusp ended S elected Ġdeli ver deal er M on ul ted 18 3 etermin ed Ġmeet ings ĠAll iance T H c are ĠA ff Ġfair ly ĠPro blem ĠDisc ount Ġperce ived v ities Ġpay roll D erivative im in Ġunder stand ric ing Ġ0 6 Ġsett lements Ġcompr ising d ue Ġh iring Ġass ure 20 10 27 5 Ġliquid ate SE TS E stim Ġc ance Ġf ile i ented Ġcon te ul ative ĠR o 18 6 uc i ĠP ublic ĠO B Ġprep aring 18 4 LI QUIDITY LO AN O r 20 4 Ġdes ired Ġdowngr ades Q ual re v id uci ul f ĠO p 17 9 Cons olidated ĠMeas ures ev alu D ollar Ġd i ĠE v ĠG r Ex ecutive F l ĠEx p Ġimm aterial ĠSal isbury Ġbenchm ark Ġautomob iles ĠTh ousands Ġaccur acy Ġex changed Ġh ybrid Ġbeh alf Ġshortf alls c lassified 17 6 Ġro lling ĠImp aired izon a ĠSe gment ĠP ark Ġcompar ability Ġbuild ers olum b E ITF ĠE m Ġemploy er Ġconfirm ed N P av ing ra ditional Provision s Ġcon str ĠN orthern ord inate Ġstr ives Ġvari ations Ġpred etermined c ons lo ys Ġund isbursed Ġdisc ounting Ġbec oming E stimates L osses in sured Ġv oting Ġcur ves Ġdef ine Ġpresent ly ĠPr incip Ġsound ness Ġdiscip lined c ard Ġin adequ or ough Ġh ouse ri ve Ġcredit or 17 4 C ustomer M id ac ro ĠRes idential Ġpracti cal iduci ary Ġdetermin ations Ġdes ire Ġhigh lights Ġtit led c hes Ġauthor itative Ġaver ages rup tion Ġdeem s ud den 17 7 Ġund iscounted R etail an ties Ġmat ched Ġcalcul ates Ġparticip ant Ġresol ved ĠAr izona Ġreduc es ĠCh ar Ġ40 1 Ġproces sed ent r Ġph il burg h M BS Ġd imin Ġun us Ġmanag ers ĠCod e ac tions Ġmod ify Ġrecover ability Equ ity ĠGovern ors ullet in 3 50 he l en tion Ġdep th Ġpa per Ġanaly tical omin ium ĠBenef its Ġexhib it Ġlic en os op am s Th an Ġcompe te Ex pected Ġregion s Ġincen tives Ġreceip ts Ġphil osop h olds ĠC ur ĠE quipment Ġemp loys it ts Ġs udden ĠM ANAGEMENT Ġentire ty Ġconsult ant Ġjo int ĠC ent ĠA CI ari able 17 8 Ġcau ses VER AGE st atements N OTE ded uc Ġinflu ences ĠNorth west Ġf inanced Ġp atter Ġg ives ĠA PB ĠP itts ach u Ġdiscussion s Ġcomple ment Ġneg otiated Ġpatter ns ec tic Ġcustom ary 20 6 Ġdefa ulted Ġsel ection dle burg Ġminor ity rem e ectic ut ĠComp rehensive TR ACT Ġadhe rence ĠP ayment 19 5 ĠAS SETS Ġtechniqu e TRACT UAL al ity Ġs igned Ġrep air Ġcons umm ĠR ISK EPOSIT S LI G Ġwarr anties Ġfif teen Ġafford able Ġun fore Ġposition ed Ġ18 0 Ġcond ominium Ġques tion ĠS im ĠV iew 18 1 Ġenter ing Ġmid dle Ġinc rements Ġcon sent abl eness 17 1 eriv atives Ġ80 5 expec t Ġprohib ited ĠEar nings E quipment Ġpromo te ĠSh ort ĠT O am atic Ġout lined Ġcount ry Ġintermedi ate ĠConn ecticut LIG ATIONS Ġp lease Ġm acro ĠD ividend Ġsub stitu Ġen abl ĠIn cludes 19 2 19 6 rit ing Ġenforce ment Ġdi verse A E ĠBank ers equ acy Ġmargin al Ġsupp lemented ĠAm end FS P ĠGuaran tee ĠOB LIGATIONS S u ĠE N Ġreason ableness Ġshif ted Ġconte xt 2 23 a ising w ays Ġc ame 16 9 anticip ate Ġreposition ing ĠPitts burgh Ġw ages ĠJ o 17 3 ĠGre en ĠC umulative Ġsuper vision E mployee 19 3 Ġhelp s Ġhealth care Ġseason ed ĠGeor ge Ġext reme ti g er y Ġminim izing Ear ly belie ve 3 10 Ġr aising ĠO ption Ġresol ve Ġspe ak Premi ses S AB V ES ĠT erm 20 5 Ġbr and Ġ14 1 rif t Ġblank et N ot Ġal ways Ġwri ted Ġpe ers Ġattr ition ĠOp inion al low ĠP ost Ġadv anced 19 7 Ġbon uses ĠDevelo pment er ce Ġe t ĠC olumb econom ic P ayments ate st state ment roll er ĠHed ging D emand 9 00 Ġclass ifies Ġgre atest ult aneous 19 1 Ġiniti ate ĠInd ust bank ing ter pri Ġdec ided 20 2 HAN G 7 50 R estr m ond Ġvend or ĠHE LOC B asic P urchased ĠP C ost s ĠSEC URITIES ĠMet ro inanc ings Ġchar tered Ġdisc lose Ġrepresent ative AR D Ġdistrib uted Ġphilosop hy Ġw ays Ġex it pec tive Ġwill ing Ġsur plus ĠSe attle Assum ptions Ġf iduciary ĠM ass Ġar rive Ġpromo tion Ġmanufact uring estim ate i res Ġto wards Ġd one Ġcon forming 18 7 19 4 ĠAdv ances Ġpriv ately organ ization Ġ1 15 18 8 Ġexp ired od el Ġill i G ain Ġc entr ar row Ġ3 50 ĠC orporate ĠBl ack Ġc olum ĠCon struction CD ARS ĠEm erg t angibles Ġa round Ġg over Ġapp ear Ġterm inate ĠI V Ġprev ent 2 17 Ġc ustod Ġapplic ations arb anes Fl uctu Ġunfore seen V arious t roller il ities ĠS tep isc ons rec i Ġspec ulative Ġbenef ici Ġstruct ural Ġdeal ers iscons in L ower Ġc ross un tary ES A Ġquo tes 2 12 Ġa part Ġequ ally 20 3 Ġexec ution lease s x ley ĠComp troller set ts tiv ity Ġpertain ing achu setts 2 15 ĠB ulletin MAR Y ĠMass achusetts s uch Ġcon struc ac hes We bster Ġplac es ĠAd equacy Ġapprai sers Ġqual ifies ĠH igh ĠH ousing O VERVIEW Ġconsider able 18 2 Ġgrad ually UM MARY Ġn arrow ĠT ime ĠG u Ġpredic ted ses s Ġmat ter ĠB ased Ġne ither Market ing Ġdeduc tion Ġweight ings Ġrevision s Ġcommit tees ĠALL OWANCE Ġeng ages E v I B Ġd ro tion ary ĠComp osition Ġcontinu ation Ġj uris Ġown ers TS FG Ġjuris dic 2 11 Ġo il ar p ĠS arbanes oc ations Ġsc ore ĠV IS Ġspe ed I F 20 9 Ġsout h Ġrecommend ations Deb t Ġ . olid ation 18 9 24 0 Ġinp ut ĠIssu ed Ġtrig g se es at ural th rough ĠW isconsin Ġdemonstr ate Ġcho ose ĠAb out 2 19 a vailable o uts Ġexp ose Ġexpand s deduc tible Ġet c Ġlo t Ġrev ise ru ed 22 2 ĠAcquisition s Ġ k Ġdr amatic lan tic ĠCW B c oll Ġs cal ase s Ġco vers ann a ATE D Dec reases appro ved Leg al Ġ / in tend Ġs lo us que All ocation Fluctu ations h anna Ġ ), Ġjud icial Ġrein vest usque hanna H A ĠT R Ġthere on Ġunderw ri SB A Ġconven tional 2 27 6 25 ĠC ustomers ĠEXPEN SE ar a is m ĠN ot ogn ition Ġens uring ĠR ich Ġstr ict State ment L G ĠC F Ġg as ĠM an Ġsecuritiz ed 2 14 Ġlower ing ĠW indow 19 8 23 5 Ġref ine Ġdeduc ted 2 30 ĠB erkshire Ġ7 40 Ġsched ules ĠC ertificate ĠF ixed ood y 23 4 Ġsimilar ly Ġgroup ed Cons istent 2 20 e ti Ġs te ĠD ate Ġadd ressed Ear ning Ġsitu ation ĠLeg acy Ġin form Ġth orough ĠD irect ain ts Ġtransaction al Ġlever aged C APITAL Ġd ated ĠN B Ġunc on c ted Ġin ver ic he Ġpro active ce eds lo ating Ġoblig or 19 9 AN GE Bank ing Ġaccept ance Ġflat tening ĠAdv isors ĠTA X Ġfundament al ĠS ee Ġcomm ens ĠM ason Ġproj ection 24 2 Ġform a Cont rib ANGE MENTS F OLI S terling k ed ch artered Ġ9 8 Ġcampa igns ORT FOLI ĠCur rency ORTFOLI O ĠF armers Ġpre serve Ġmo ving ati f Ġtend s S ever Ġ9 7 20 1 umm it Historic al Ġobserv ed Ġsubmit ted Typ ically N C S ources Ġj umbo Ġocc asion Ġar ray Ġsatisf action Ġtra vel ĠDe ferred T angible Ġ9 3 ĠComm erce Ġenh ancing Dep ending VES TM ĠG NMA Ġdifferent ly A T Ġon line 25 5 23 2 hec king Rec overies Ġs yn ut hor Ġ1 14 ĠP ORTFOLIO Ġcontr action 23 3 24 5 Ġdri vers Ġcommunic ations sub standard ĠARR ANGEMENTS Ġsu ff Ġapproxim ated S out S hare Ġtyp ical Sec ond Ġexp ress 24 8 Ġstabil ize Expen ses Ġfor g est ric 26 5 Ġmaxim izing feren ced pro duc ĠRES OURCES Fund ing Ġs ol Ġrest ated Ġmodest ly 4 50 M aturity P E V ITY Ġcharg ing 27 0 Ġpromo tions Qu arterly Ġf ix ĠO pen ecess or 23 8 Ġdist in ĠTh is Ġlen gthe inn ie V IS ch oles Ġbank ers Ġen act RE D Ġnonc ontrolling ĠPrincip les T wo l ish Ġj ust 26 2 Ġassist ance ĠWestern bank Ġbenefici ary 2 18 Ġf a Ġdep ressed Ġgover ning Ġcommens urate O xley p s Ġimport ance Ġchann els t ail Ġcertain ty Ġstr atif 20 13 200 5 Ġmembers hip Ġweaken ed ĠPost retirement Ġappro vals issu ed Ġwee k Ġsubstitu te Ġbook s ro cal Ġ9 6 25 8 lic it Ġdef iciency Ġdisp l Ġintroduc ed Ġdeferr als c o o v Ġa ge Ġd ict Ġres ale ĠH TM Ġset ting Ġfluctu ation Ġdis ruption Restr uctured Ġcomp utations Ġpo p Ġpers pective Ġro le CMO s F our O K in ting Ġn in Ġh arbor ĠCont ro Ġapproxim ates Ġstabil ization ĠRich mond N ET p ed ĠS AB Ġsp ons Ġcap abilities ĠLe verage ĠAll ocation Ġdro pped 2 28 S choles t otal ac tively ĠM B Ġassoci ates Ġhold er ĠEn terpri Through out Per iod Qual itative serv es ĠIntern et ort heast Ġdiffer ing ĠT ABLE ĠL AE over y 20 8 Ad v Ġexcess ive ĠPro tection p ments Ġn atural ĠD erivative ĠS usquehanna Ġ10 8 E ven Ġcontr acted Ġsecuritiz ations Ġdefinition s ol s ĠN ET Ġanticip ation 28 0 Ġdist ing Ġshow ing ĠRati os he astern ĠC HANG ac quired ĠM oody Ġins pec Ġfuture s 20 7 Ġwor sen hel f 2 10 Ġno tification 22 1 ĠStock holders Ġcre ating Ġrevers als ĠTrans actions Ġb ill Ġtr ack ĠO RE Ġ9 4 G ap c ontrolling per ience ri x Sever al 2 16 2 24 Ġc as ĠC l iz ons Ġexperi ences 20 14 Ġretain s Ġweaken ing ĠBe ach or ia ut standing 27 1 36 5 Ġelim ination Ġchallen ge Ġhor izons gen erally l en ing ent 26 0 200 9 Ġoutpac ed Ġste ep Ġfa ith B O R ates Ġre ferenced ist s ĠP h ĠE mployee Ġindic ations g mented Ġmark ed Ġapp arent ĠP ar EN S Ġreimburse ments Ġse gmented ĠB ay Ġnon covered ĠM ention Ġregul ated Ġsim ultaneous 26 4 Ġph ys Inc reased W here Ġupd ates Ġbelief s Mon ey u tives ure au ĠS ources Ġstabil ized Ġthres holds D ecember F RB K FC l ived st oria ĠC VB ĠSt rateg 23 1 Ġopp osite P en Ġt igh Ġd ed Ġcon sens Ġchec ks F L S EC ĠC ET Ġres um Ġnon residential Ġvol untary Ġinvolve ment ĠMet hod 2 13 h am 25 2 Ġso on Ġread ers Ġce ased D ED Ġf arm Ġre form Ġdep art ĠIn tangibles Ġpa ges ĠE PS Ġgeographic al Ġretrospec tive VESTM ENT B asel ĠM e Ġ15 9 Ġcollect ing ĠWest field i ent Ġsh arp Ġdebt or op tion 25 6 ĠY E Ġliquid ated Ġsatisf ied Ġremo te Ġstar ted Ġconsens us B B V A Ġb inding Ġmo b Ġdisc ontinue TE R Ġdist ressed Contrib uting Ġenact ment Ġc om en tive ivid ual C NB Ġd er ul ner Ġv ulner Ġcharge offs sent ation Ġconsult ants Dec lines Ġmob ile 3 25 a fe b enefit Ġfor fe Ġse mi ul ar ten cy 26 3 Ġshow ed Ġdistin ct Ġder ive C lassified o ses v ident Ġres idence ĠF l ad ers 2 26 Ġinc urring Ġwide ly rid ge ĠDevelo pments J unior W ARD ĠG ap ĠEx perience Ġexec utives ĠAd ams ING S OK ING ĠF ees Pro ceeds Ġparticip ated Ġtra ditionally Ġupgr ades Ġc oming ĠN ON 25 1 200 6 ĠActiv ity ĠTR U c urrent Ġh ote Ġbal anced Ġtr aining 25 7 I L S avings W S te ed Pre payment Ġagricult ure Ġd am Ġpl ant Sub ordinated Ġmer its Ġfail s ĠRestructuring s Ġcontribut or ĠFHLB NY 23 6 Tax able Ġcyc les b or or iented Ġre ferences 23 9 Ġplac ing st s ow ns Ġst ud own ers 23 7 24 6 Ġreplac ing ĠMeasure ment Ġerr ors O ld Ġw orthiness Ġappro ves 29 7 Re venue Ġsepar ated Ġoutsour cing 3 30 il d Ġ1 33 ĠR ock Ġtr ue ĠO ak tif y ĠRe tirement Ġconsis tency Ġcap tioned ĠRO A S e p ay p lan 24 7 Ġuncoll ected Ġreach ing Ġelimin ates v ious id es ĠF inancing ignific ance Ġstock holder 25 3 Ġoptim ize g ated Ġun affiliated Ġcost ing Ġcarry forward 27 9 28 4 29 0 kn own Ġweight ing ĠQu arterly ĠEN DED em or ual ty ch o iven ess im ary Ġprof iles 200 7 ENS ITI C orporate as set ist ry Ġund e Ġmitig ating 3 15 D etail O FF R el Ġs aw Ġdis pose ĠIssu es with standing produc ing b asis Ġs olic ĠS ummit Ġalloc ates 24 3 Ġsummariz e Ġaccomp lish Ġencour age Ġrecip rocal Ġcentr alized Ġslo pe Adv ances ut ral 26 9 28 6 37 5 ĠRec ent c ollateral Ġst art Addition s ĠBr anch Ġm ach ow a olog ical 34 4 Ġcarri es Ġacceler ate Ġautom ated Ġscal e M erger p lated ĠL et Ġpos ted ven ues Estim ated ĠContro l Ġcas ualty Ġn omin ĠA storia 24 1 27 3 ectiv ity ĠAC NB ĠCoun ties NP V VIS ION B erkshire k ins Ġrep utation Ġapp o 27 6 Ġdivers ity Ġacquire r Ġcle ar I G Ġs ignificance Ġwe ights 36 0 Ġinver ted V al ĠD es Li quid Ġread er Sub standard Ġexerc ises Ġslow ing ĠCar ver G overnment Ġs helf ĠD ividends 26 1 27 8 Spec ial emor and 3 18 f und ep t 26 6 ĠAt lantic Rep urchase urb an Ġcorrec ted Ġemphas izes sel ves Ġ * Ġv ested Ġrel i Ġlow s f ord Ġrec ap 28 2 ĠAm er More over Ġcontem plated Ġunus ual ĠC overed ir d Ġch ief Ġindic ating po int 27 2 Ġlaw su ĠSub standard Ġannu ity ĠColumb ia Ġnin ety Ġe igh 33 3 Ġjudgment al Ġslow ly ĠCDO s c ould Ġpr inting 28 7 I A Ġj ob 28 8 centr ations Ġfluctu ating ĠReg ion 2 29 29 5 Ġgap s Ġbook ed um ented ĠG innie Ġdis burse vious ly 3 17 M SR Ġnon taxable el ec 25 4 ĠS ENSITI Ġutil ities 26 8 Comp ared ĠMid dleburg Ġw iden ĠV aluation 24 4 aud ited ĠAmend ment T reasury w riting ĠS elected Ġu sers Ġrec re ĠL CNB ĠUn certain 37 6 Tr ans ĠReg istry Sim ulation Ġfootno tes ĠSim ulation Ġinv ests Ġmat rix ĠE ESA 30 2 27 4 Ġrenew als Ġposses s Ġexpl ained H eld f it in ter Ġre organization Ġd rove is able ĠB asis ĠA AA Ġinv es 26 7 Ġindirect ly Ġconstitu tes T B Ġ ir as sed Ġearn s ĠP ast Ġen ables Ġcur tail Ġvalu ing 20 15 Ġorgan ized Ġtranc he FL ATION 3 23 ĠB KFC 29 9 Ġexec ute Ġphys ical 3 35 B asis h ically ĠM ore 30 5 ĠPre mi 35 9 Ġprom ul Ġconstr aints C S ti se ti ties ĠD IS ĠM O ĠE ff M S he ld our i tic able Ġguide line amp les top ic ĠCOM M Adjust ments Ġjurisdic tions E n Ġp ort Ġchar ter 33 2 Ġbuil t Ġsel f ĠMiss ouri Ġwrited owns 3 40 ĠC APITAL ĠA M ĠI owa Ġexper tise Ġnonc ash Ġassign ing le vel Ġcon sequently In cluding Ġcredit ors ash ion 20 12 30 3 Ġauthor ization Ġdri ve Ġgovern ance g o 28 1 Ġmis statements ĠTrans fers ĠReceiv able Ġinadequ ate Ġf ashion st ream ĠC ore Ġchar t Ġlin ked ĠDisc losure ĠRec ognition Ġinten se Ġmism at DA Q O CI S ET h ing In cludes Ġnecess it 24 9 Ġ19 34 Ġ19 98 ĠHill top ĠWil shire P ast Ġf ar Ġh is ĠS ched ard ing Ġsubj ectivity AS DAQ Ġpurchase r vers ight Ġminimum s PER FORM inn ati Ġprohib its inc innati Ġemerg ence Ġautom atic Ġaug ment ĠSc en A M re al Ġl a Ġas certain ĠC RA ĠC incinnati Ġdis allow 5 50 C W M D er tified ab or ry ing Ġimpro ves Ex amples De lin Sal ary ATE S uaran teed Ġopp osed CON TRACTUAL C SB T BI en ing ur ric Ġun known Ġcontr ast Ġpurchase rs Acc rued ĠK ansas Ġbudge t 3 24 B ook Ġs cho ĠC ard Ġcompeti tor pr incip ĠPro vident Ġfound ation Ġnation wide comp any ĠDirect or Pen sion Ġ1 40 ĠF I Ġne utral Ġamortiz e ru ptions ĠW ritten eas ure Ġcommunic ation Ġstream s Ġmacro economic ; ' Ġfor ces 28 5 200 8 Ġattempt ing a ts Ġin acc Ġor al ĠE ffective Ġ10 9 Ġleg ally Bank s Ġele ven ritic ally Ġbuy er ĠSubsidi aries 3 13 a ve r ating on ial Ġfor ced Ġcomm enced Ġbank card Ġneg oti 29 4 Comm unity Ġdirec ted Ġfail ures Ġaddress ing Ġassign ment Ġdilig ence Ġuniform ly Ġfind ings Ġ20 35 Ġrep len 34 5 Ġstrong er coll ectively Ġre b ent al are n Ġpar ts Ġmanag er Ġprompt ly Pr imary Ġexamin ing Ġcomp uting alu es 28 9 Ġcap tured Ġassign s evalu ated Ġenabl ed or rec ke ts Ġrepresent ation 39 0 ĠEqu ivalent Ġdepend ence Tr ading d es m aking Ġr ank Ġimp ose 30 8 27 7 Ġred ep IN COME Ġconduc ting Ġrepair s Ġre sell 29 2 ĠLe h Ġgrant ing Ġenc omp port ation Or igin emorand um 4 40 B orrowed U sing Ġen ough Ġposses sion Ġvac ant H C d ec Ġ These Ġf ulf Ġw ai ĠF ound ĠP urchased 33 7 ER I Ġcare ful Ġkeep ing Ġcour t hem ical Ġfulf ill ĠE QU ĠRe investment 40 3 40 5 36 7 39 3 RO E 3 11 F ixed R OW Ġlo st id ge ĠC ertificates Ġpro pos ure rs sen ts Ġdecl aration Ġtop ic Ġsug g ĠEnterpri se H eartland n al omp kins qu arter Ġexpen sive Ġappro aches our nal ric t ĠUn funded Ġdis ag Ġcarri ers ĠSENSITI VITY 4 17 S ale ear nings ĠT emporary Ġcarry over ĠV ol Ġal ign TI M Ġinter val Ġcollec tible ĠDe termin Ġmanufact ured ĠMain e 3 27 4 10 C ontinued L arge Ġf ig ip e Ġaggreg ating COM P Ġstead ily Ġfed erally lim ited Ġdenom inations Ġrecre ational L s Ġ % Ġcomp l Ġcomp eting pri etary Ġal ter Re alized Ġaccept ing Ġdoc umented Ġredem ptions Ġlist ing ĠNP As SP E Ġrelease s Ġrec ru ĠL ake ĠM AT ĠJ ournal Ġprec ision Ġdimin ished Ġweek ly Ġchar itable 30 6 Ġlicen sed Ġw estern 37 0 Ġexerc isable Ġcompens ate v oting Ġt elec Ġc ents IT MENTS Ġro b ĠOr igin G roup l abel ĠC ollateral Ġexp edi Ġcollateral ize Ġrem edi Ġspecial ized Ġapprai ser Ġstri ve A FS g uaranteed i pp qu encies Ġis ol Ġreport able 37 3 Sal es Ġreclass ifications umb ered Ġerr or g un Ġm ixed Ġbe gun ĠT yp Ġdiscus s Ġcontem pl Val ley B ro ount ain Ġrec oncil Ġappro ve Ġrespec ts Ġdeb ts Ġexce ll ĠW arehouse Ġ19 33 RO VISION Ġinacc urate an e tim es lo on 29 8 39 5 Ġacceler ation belie ves V F o ice ll er Ġapp e ĠL os ĠI R Ġvalid ate LG P Sout h L AS ver aging ĠO VERVIEW Ġlease hold Ġar re Ġdevelop s Ġclos ings Ġdowngr ade Ġcolum n 3 20 3 19 ol is 28 3 ĠCon ver H old per ty Ġtr us Ġservic er Ġspec ify lie f Ġshor ten ĠGen erally 3 26 3 29 F ee ion s ig ail In vest ĠS un Ġcomm encing 34 9 38 2 Ġdr iving ĠFor ce ives ti Ġstrengthe ning S OLI ĠC hecking Ġalloc ating Ġfluctu ates UR ITY adequ ately SOLI D 4 25 Ġf alls Ġde eds ap olis ĠN IM Ġsensiti vities 35 2 Ġcre ates ĠATM s ĠApp lication SOLID ATED M ain o rec ĠT ask ĠO versight Ġfe ature Ġstr ingent Ġout flow 35 6 33 9 Ġincreasing ly Ġincorpor ating sh ock Ġsug ges Ġded ic Ġbal loon 20 16 39 1 Ġanaly sts pro ject fr om ĠRo yal Ġextreme ly 3 28 O C m o ay ed Ġ10 5 40 2 33 1 Comm ission rais als Ġdeduc ting Ġilli quidity or ation ĠC ateg ot no ĠM ad Ġform ally 29 6 Re serve Ġtechn ological Ġdisposition s Ġaward ed qual ity ĠAb igail Ġpursu ing ĠVIS T Ġnomin al 3 22 4 75 C umulative U TION W ashington ĠN ASDAQ 29 1 38 0 ĠSouth west expec ts TH ER Ġrob ust 8 50 V PE ĠB ALANCE ĠS F ĠN SF ĠRe lief odel ing Ġreplen ish Ġsugges ts an ite Ġwe ather ĠA D Ġmarket ability 29 3 37 9 ĠLeh man d ered n ial and er Ġun limited Ġrecover ing Fund s 8 75 b ear ĠM r ten nial 25 9 Ġstrateg ically ĠAs pects 30 1 ĠCh ase 38 9 orn e Ġresidual s ĠRAL s 4 48 Y ou in cluded ol ution Ġdep reci ib ilities 37 4 37 7 Ġcomplete ly Ġpop ulation Ġport ray p ublic Ġs ign ĠT e Ġsub sc Ġpar ce 33 8 36 1 Ġpers ons 45 5 Ġindependent ly uar ant Ġstrengthe ned Ġsout hern Ġext ra Ġsimultaneous ly PERFORM ING 4 14 S tep ĠT PS Ġeconomic ally 38 6 47 4 Ġrespons ibilities ĠTh rift Ġundert akes 4 34 ĠB o Ġ5 00 38 4 Ġcover ing RO A West One ĠIndust rial 3 16 4 15 S ched or se ic ts ĠD TA Ġag ent Un less 36 9 All ocations ĠY ield Ġformer ly pl it b rokered Ġn orth ĠT ri ĠT ERI Ġstat utes Ġsome times 34 8 Comm on Ġinter pre Ġdis s AR IS 44 2 Rep ublic Ġbuy ers ĠCW BC Ġreti red ĠTyp e C PP N OW ĠS p ot a ant ander Ġtime fr Ġar r Ġinflation ary pre ad Ġeng aging LO OKING ider ation Su per d oubtful z z Ġv is ĠComp liance ĠS pr ĠE l Ġtechn ical ĠES TIM Ġ+ / ==== ==== Ġcorrel ation cons isting Ġk ept P ortfolio Ġp ipe ĠB orrowed Ġsub ordinate RE C ĠW hen 40 9 33 6 ĠQ UAL ĠOff ering pre ferred Ġforecast ing anticip ates ĠTAX ES p ass in ten oun ded omm unic ĠI RS Re g Ġmitig ation Ġrequ ested ĠMid west Ġpromul gated LAS CO 3 14 4 31 M unicipal P erson ĠS WS ĠL E ĠP aid Ġsu ffer 39 7 ograp hic Ġgovern ed Ġvend ors Ġcampa ign b able w ould ĠC NB Ġcon clude ĠB B ĠA VERAGE Ġtrans portation par allel 35 5 39 8 lan ation ann er Ġinvent ories Ġquantif ied Rel ated ĠUncertain ty ur ation Ġst orm Ġun enc Ġbase line 34 2 ĠDe terior Ġintroduc tion 6 75 C ard D if c ker Ġwe bs est ablis und er ĠS old all as 30 7 Ġmedi an Ġexcell ent O utstanding ĠF S ĠS UMMARY Ġrel ocation ect ing Ġ10 6 37 8 36 2 36 4 ĠRisk s eop le 44 4 Ġteam s ĠRO E Ġpursu ed m at an ine al m Ġco ast Ġpre lim Ġcl osure Ġdo ing ĠE ast Ġdis ruptions Ġbuil der Ġinves tig zz anine P art ul ate Ġover view Ġderiv es 38 5 Comp eti Ġhere of ĠCen tennial Ġexamin ers ĠGr anite 4 20 Y ears w estern Ġc ounty Ġfr ames ĠComp arison ord ination 37 1 49 0 Ġdur ations ĠIN B Ġopinion s Ġinten tions Ġsuper ior Ġdeploy ed al one Ġp eople Ġwh iche ĠM ont Ġfact ored Ġanticip ating 38 7 Ġwhiche ver d ollar Ġp assed Ġcomp osite ĠF SB ond on Ġint r Ġfin ite Ġce ase Four th ĠTRU P Ġmismat ches Ġportray al Ġunenc umbered 3 21 5 18 on ds ĠC P Ġcon den Ġpro prietary ĠA UM Ġover see We ighted ĠFHLB ank Ġcarry back Dep reciation Ind ividual Ġnon accretable ĠL end ĠMar in ER S Ġscho ol ARIS ON C orp K ET por ts 34 7 Ġsett le sens itivity Ġhouse hold Ġconden sed 6 50 x y In ternal ĠN Y ĠN ortheast ĠM SA Ġpo se ide lity ĠH o Ad option 34 6 ĠGre ater Ġannu ities comm ercial bear ance B orrow a jor Ġac t Ġexp ires Ġover sees Ġ16 0 Am eric ĠMid WestOne Ġrecap ture orse ment 4 33 M erchants m ortgage Ġs ite tain ing ĠV IE Ġpen et 46 1 Ġren ov Ġexten ds Ġdesign ation Ġcen tered Le ase ĠChar l Ġsyn dic ( " 4 23 rec ed Ġsim pl ĠBanc Trust 39 9 45 1 ĠGSE s Ġdepart ments 5 10 Ġa id an ied 30 4 35 8 36 6 46 6 Comp ar Servic ing OL UM Ġdemonstr ates err or Ġspons ors ĠScen ario Ġprelim inary OLUM E Ġt ur Ġco inc 46 3 Ġens ures Ġaccomp anied ĠAg encies Ġdedic ated reced ented 4 16 4 21 5 75 ĠC hemical Ġne ver Ġorigin ators Ġ8 60 Ġal one ĠPre sentation 40 6 45 8 Ġstruct uring Ġwarrant y ĠWashington First ĠSal es ĠRestr uctured 4 12 4 22 A TM Ġs aid ce pted Ġwithdra wn ou ses Ġconsolid ate Ġrecession ary Ġdict ate mo il ĠT ables Ġdifferen tial 56 2 ĠIN FLATION ĠPeoples Bank Ġgeograp hically 4 28 s old Ġin active Ġe astern Ġloan ed ĠD EPOSITS ĠB ridge Ġequ als Ġterm in osses sed ĠW ill Ġcap tures 39 2 Ġdefin itive Ġseason ing oper ating Ġforg iveness easure ment 5 20 5 30 D irect Ġan ti Ġs tim ĠR idge Ġev ident 40 4 34 1 ĠCh ange Ġdescrib e 57 1 Ġcorrec t Ġlist s Ġremo val Ġfootno te Purchase s ĠEmerg ing Ġexpedi ent ĠQUAL ITY 5 60 c ount ĠG rowth Ġ19 99 38 1 Ġunp recedented Ġpredic tive 6 12 Ġc ult Ġd iv Ġ20 20 Ġann ivers 40 8 AN ALYSIS ĠSub topic ĠESTIM ATES 4 30 C RE al ent ĠP A An nual 46 0 ricult ural Ġachieve ments Ġdelay ed ĠSched ule 4 35 N A us h ĠS antander ren ds 46 2 46 5 Ġspecial ty spec ial Ġles sen omogen eous Ġbroad er ins ic Ġquestion able ĠFound ation inten ds ul ti ure r Ġ15 0 greg ate 48 3 AR N 49 5 Acc umulated Ġsel ective ĠCOMM ITMENTS establis hed 5 15 6 16 I P L ast c ill Ġa way er n ent h Ġ1 25 um an Ġno tified ĠI B Ġdiscus ses 35 3 36 8 LI BOR Ġpredomin ately Ġdiscip line Ġtur moil cill ary E mploy Ġin flow ĠC am quis ite 30 9 36 3 Ġrestric tion ĠEqu ivalents Ġtransfer or ĠInd ependent Ġrai ses ĠClass ification Ġsol utions Ġtigh tening Ġannivers ary u se Ġm aster Ġd ivesti Ġass isted Ġcoll ective Ġfe as ĠV alues AR TER ĠEn tities ĠTrans fer COMP ARISON 4 38 5 28 O wn Ġh ard Ġun iden 46 4 ĠInc entive Ġte ller ĠPart n Ġoutsour ced 5 46 ĠC lassified Ġle ft li est TI VE tic ally 46 8 ĠFirst Bank ĠQu arter ator ily t own Ġ X Ġc uts ar ks Ġex act ĠA A Ġ10 7 Ġform ation 45 2 Ġshock ed Ġpe ak sess ment ĠYE ARS 4 36 c ies d eposits t raditional Ġan cillary Ġw ire In s Ġfinancial ly ĠIn iti Ġj us Ġadv isors Ġ12 4 35 1 34 3 48 1 Rep ricing iss ory ĠSal aries ĠFo otno Not withstanding ĠMe aning Detail s ; , ĠC an Ġac ts Ġpro actively Ġst ood ut o Ġear liest ĠInterest s Ex cess emn ification ĠCent ury 3 12 4 26 6 30 d isc Ġr anged at he Ġ8 10 ult ing ĠAc cepted Al tern ĠMBS s Ġhead count Ġdilig ent Ġtelec ommunic Ġarre ars C oll E O M er S O ti ous Ġfor bearance ĠD erivatives ĠCh arter ĠSh ock Ġencour aged oper ative Ġwiden ing ĠVol cker Ġfig ures Sched uled Ins tead it ch ĠF idelity Ġsell er 49 6 47 3 Ġcau tioned Ġintegr ated pro fit Ġsuper sed Ġdynamic s REC ENT ĠDeterior ated E X Ġt error on ents Ġf am is ter Ġas ide il ad ĠB an ĠR ed ad vant ra ft 38 3 Re venues Ġabsor ption net t ĠFr ank ĠPrivate Bank Oper ational ah o ĠHELOC s 6 19 F ull c oming m b Ġb ears Ġfor wards ĠT E ug g ong ress ĠFHLB C el ph ĠV ari ex pen 45 4 47 0 Ġwork ed Ġquantify ing Ġintr insic ilad elph iladelph ia 4 24 4 27 4 45 4 32 5 25 d ing l able ĠM utual 50 5 50 9 37 2 38 8 48 6 Ġguarant y Ġforeg one 4 13 ic es ĠT ompkins cul ated 48 4 47 6 59 8 Ġpropor tional Eff ect Period ically ĠMarin er P ACT Ġinc lusive Ġcon cept Ġprov en Ġloc ally Ġso f 48 5 49 8 200 4 ann ual Sal isbury Ġproportion ate market able ĠRE IT ĠPh iladelphia Ġcult ure Ġl abor Ġpro xy Ġtr ades sen ted Ġconsider ably Ġfil es ĠIssu er Ġemerg ing ker age Ġremedi ation Ġtrus tee D erivatives Ġrefl ection Ġdes ir 39 4 Ex clusive Ġfactor ing ĠInd ian Ġbre ach estric ted Ġextra ord 4 19 H I S enior U se w w Ġun vested ĠL ondon ef ore stand ings 47 8 con struction S ource c ont c umulative d eb Ġc lo st one ĠB ureau Ġstat ute Li abilities Ex p Ġthem selves Ġdra fts Ġrefund s ĠCor rec R educ Ġn am and ing iz ability Ġcapital ize ĠM AR Ġprincipal s ĠAL M 45 3 69 5 Ġcau tionary athe red f arm u ous Ġf ro ĠR et Ġstand ing Ġutil ity 35 4 Ġsupp orts ALL L Ġoccasion ally ĠFl ag Ġwebs ite ĠBan Corp 6 48 F urniture Ġo pt Ġp ack Ġpr onounce ations hip ch or Ġprac ticable Rec eiv ĠPurchase s LOAN S expen se Ġpronounce ment 6 35 d aho at r ĠD allas ĠB O Ġme zzanine 40 1 40 7 44 1 Ġconver ting 56 4 Ġenh ances 68 0 ĠCommission er Ġhote l urric ane ĠCard inal ĠSF R C osts Ġde serve Ġst ation Ġst ages Ġwh om Ġassoci ation App raisals ĠMo ines 5 14 Ġr ata os p tif iable Ġcoun sel ĠRATE S Car rying ĠEv ents Ġfro z 5 29 6 18 Ġvalu able Wh itney Ġconc urrent Ġsoon er MSR s Ġpenet ration 4 11 5 42 G SE L Y t wo Ġs tem ĠS OP ap p Ġpre sum pp ing Ġab sent 49 7 Ġresol ving MA T Per formance Ġconven ience eff ectiveness Ġautomatic ally f ive red ecessor ĠC osts ĠO N ĠI daho 35 7 ĠCon centrations 45 9 ĠEn g Risk s imp airment ĠCol onial DS I Ġelimin ating D EPOSITS ĠD IF em ption iti vities pec t rec ourse AS SET CO RE 33 4 Ġfin alized Ġparticip ates 49 9 Ġcau tious Ġdramatic ally Last ly 4 18 Ġd on Ġpre serv Ġreal izability Ġcollateral izing we ight Ġ15 8 los ing 55 3 lus hing pro vision Ġrepossession s ĠLiberty Bank Ġwilling ness Super vision Ġpipe line ĠFootno te 6 20 8 25 h a i ers u ild re sents ĠN M ist rict Ġrem ed Non e 39 6 47 9 Ġshif ting ĠRec onciliation CE MENTS iss ipp Ġcance ll issipp i C entral O UN Ġf ue ĠB orrow ĠT ower Ġ10 2 Ġdis bursed 47 2 Ġbo x Ġrest oration Ġprohib ition Ġapart ment ĠStrateg y Ġfarm land Ġlawsu it ĠTe am 6 65 R ef llow ances ri te ĠL aw Ġposition ing Ġann ounce 50 2 ON OUN 58 6 57 4 67 1 FOR WARD IM PACT ĠPR ONOUN ROW INGS Receiv ables ĠPRONOUN CEMENTS 5 12 U CB f air te st Ġc omes Ġexp lanation Ġ1 10 ĠS anta ĠN A el ect 50 3 St rateg ĠImp rove ĠInd ex Ser ies ĠDe fer Ġdownt urns ĠMon arch ĠMO U 4 39 4 47 5 33 M IC ar gin red its ĠC EO um s ĠA re ĠT LGP ĠL and Ġcor related AN D Ġref ined 44 3 56 3 Ġrespons ive ĠImp act Ġaudit ors Ġdele veraging 5 16 I V N CI Ġc ut ĠC ongress per ties ĠE mploy alu ations 69 0 ĠPo tential uarant y 5 34 8 10 b r b oth Ġre lying ce ed Ġthere in ĠH amp 48 8 59 0 57 8 Ġwork s ĠInd emnification Eff ects ĠMiss issippi Ġla un 5 17 P ROVISION S OP w in Ġfor ce Ġnet ting th at ĠIn vest erg ers 50 1 50 4 Ġrestruct ures 67 9 ĠAm ounts Ġgeograp hy NON INTEREST ĠCateg ory mat uring 5 43 6 29 R P he less Ġd well et heless ĠT o Ġhome owners Ġ14 2 48 0 Ġref inancings 55 2 Ġrest ored osp ital 7 80 red ict ĠC urrent air man erc ent Ġappro ving Ġout standings ĠJ ack 50 8 irc raft 49 4 60 5 Cons ideration 4 49 Ġm ail Ġre quisite ur c ance lable Ġacc umul ĠM aster Ġ13 2 56 1 Comp aring Ac tivity Ġwor se irm ed Ġrefer ral ĠPremier West Ġuns ound ĠIntern ational ĠJo bs h alf re p Ġb if Ġcontin ual 60 2 Ġresol utions Ġproject ing Expen se Ġsugg est Ġtimefr ame Ġbif urc it ation Ġto day ĠO CI Ġj eop Ġsegment ation IN VESTMENT 55 8 ĠQu antitative Ġconsumm ated Ġdesir able Ġjeop ard 5 24 H igh b p ĠS plit ĠM ountain Ġcollateral ization ĠE lements lic al ĠH ann Ġfac ing ĠCh oice 60 3 Ġstabil izing Ġchann el C ustomers Ġinc orrec ro te ĠD istrict ch arge ive red ĠV ariable Ġlife time 49 1 NB T ĠReg arding Ġconsequ ence Ġsystematic ally rev ised Ġconsumm ation ĠCHANG ES Ġreli ability ĠIndian apolis Ġincorrec t 5 22 te cted Ġs aving ĠB anner hes ter Ġprote cted ĠNP Ls Ġgovern ments ĠApp ro rev oc Ġcontempl ate 5 38 6 45 6 55 ĠC TBI Ġle aving Ġthir teen ĠMar kets Ġapplic ant 45 6 48 2 Ġreim bur ĠSh aring Ġemphas izing Ġvac ancy 8 80 A VERAGE V ariable Ġs y Ġper f ĠF HA ĠT reas ĠE ur ĠI tems 46 9 59 1 eg ative Ġdisallow ed F NMA V OLUME h omogeneous Ġco ordinate ĠF lushing ĠT echn ĠM inn ĠH VB ĠW ith 48 9 47 7 Ġcre ation Ġmis statement ĠSupplement al ĠPl ains 4 29 7 25 S heet s ingle st ar 49 3 59 6 Accord ing ĠSens itivities ĠRE G Ġdivision s IE L Ġuns afe ALL OWANCE ĠSubsidi ary ĠEQU ITY Ġcompl eting 5 21 5 41 6 67 C A C ost c apital er ly ĠC our um p 46 7 49 2 60 7 ĠPr om Ġpermanent ly cost ing ĠAdv isory Ġconclusion s Ġtrigg ering 6 17 J ud U C U E r am os ing ĠS elect Ġestim ations Ġprocess or Ġprote c Ġeigh teen 5 35 M ajor s able ic it ĠD is ĠF B Ġrepric es Other wise Ġcompeti tively Ġbranch ing 58 2 58 7 59 4 Ġ40 4 Ġcho sen Ġheav y Ġretrospec tively 9 50 M uch N II c all in ted Ġm ort Ġe ver est ate ap ter tain ment ĠM or ivid ed Ġ8 25 au tionary Ġ15 6 50 7 47 1 ĠLe asing 58 1 59 5 ĠInter bank Ġord ers Ġaffili ated Ġstri ps Ġsuff ered ate way Ġ20 34 Ġh ospital Ġexp licit Ġmark e Ġtrans p IC ES Ġjud ged 58 0 59 2 57 2 65 2 ontinu ing pric ed Ġdel ivered ĠConting ent Ġprescrib es Ġefficient ly Ġdisag greg Ġextraord inary 5 49 5 47 6 47 c ritical in ity ĠB SA velo ped Ġcategor ize Ġdeterior ates 56 7 feren tial ĠOr gan Ġpriv ile Ġcle aring Ġramp ed Ġcustod y Ġreconcil es ĠSp ons 5 19 L IC Y ield p osition Ġsh r Ġtax ation ĠLo oking Ġsubj ected ĠG uaranty 50 6 Ġoption ality Ġread y Ġsustain able Ġten ants Recent ly Ġselect ing Ġunderwri te Ġir revoc Ġwai ver i tes w atch he ther an a it ted ur pose as ters Ġad ap Ġend s por ted Ġ15 5 Ġrepresent atives 55 9 58 5 Imp rove Ġ310 35 Ġparagraph s 4 46 6 24 C o G Bank R ather d ated h as Ġw rote Ġde ep Ġdepos ited ad v ES S 68 5 Acc rual Ġord ered Ġaug mented Ġsubsc ription 5 26 ĠD or In ter iz ational Ġins ight Ġeconomic s Ġout lines ame work 48 7 Under writing land s ann ually Ġrenew ing ĠGu idance Ġfix tures ĠConver tible 6 58 7 15 7 17 Ġp at Ġcomp lying Ġbal ancing Ġprovision ing Ġrece iver ĠRe ports ĠAn chor Ġsever ities 70 3 Ġdivers ifying CB T ĠHigh lights Ġpat tern 6 33 7 16 8 15 Ġw ant ĠP ay ore ign Ġsc r Ġbr ief Ġhigh l Ġallow able 45 7 60 8 Ġcau tion 80 5 ĠEar ned Ġsevere ly PA RED rif ts Se gment orec ast ĠEng land 4 37 5 39 n e ut in Ġimp oses Ġfund ings Ġag ing Ġattrib ute Ġcap ability 70 5 57 6 Ġprudent ly Ġconstitu ted ĠSe gments Ġpropos als 6 70 a ult y ing Ġin effectiveness Re serves 75 5 ER AL Ġexec uting Pre ferred istr ant Ġredep loy ĠSpr ing ĠJack son Ġscr utin d emand st all Ġre ward Ġco de Ġun like ĠR hod ĠG D Ġminim izes ont ory 56 8 57 7 Bank shares 67 6 77 1 ĠFr amework ĠMet ropolitan ĠEmerg ency 5 44 6 26 h istic l aim Ġa ircraft Ġf inancings id ing Ġdep loyment Ġeff ected ĠIn tegr op histic Ġprob abilities ." . 55 4 56 5 79 6 tr acted uis hes Ġprom issory Ġuncon ditionally Ġdisting uishes ĠPlains Capital Ġmarke ted ĠRhod e 6 13 6 27 t ract ac king ĠB AN ĠA uthor ĠM PS ĠThe re Ġreas ses Ġfac ed AN CES Ġemphas ized Ġviol ations ĠDIS C Ġfroz en Ġstem m a uthor Ġs ophistic anc ock ĠC as Ġrep e ust on Ġpre sid ĠT angible ĠR B ĠP VF ĠM od og ram AS E Ġdis asters Ġsufficient ly ĠNon accrual ĠQ SPE Ġconsult ation Ġrest ore Ġbring ing ĠBl ue Ġdepreci ated ĠHo uston Ġmort ality 5 23 7 26 A TING c orp s ide Ġch ose Ġrep os Ġun audited ĠSt abil Ġrati f centr ation 58 8 Ġreplac es 5 40 5 36 6 59 7 20 7 43 ĠComp anies ĠG ulf Ġ10 1 TI ES ĠBanc Group 65 1 ĠCor us Ġsuff iciency stall ment 7 12 7 35 B enefit D istribution I ts r un Ġt iers ĠN LASCO ĠM emorandum ĠO ut Ġ8 15 Ġ7 15 Ġ7 18 ĠAc tion 55 5 77 6 Ġten ant Pre viously cept able Ġappo inted B alances R C Ġas pect Ġth rifts ort heastern Ġst op Ġrep urchasing Ġoffic ial ĠTr aders Ġadop ting 60 6 66 4 ĠTh an Ġnonc redit Ġenc oun Pr incip ĠPric e ĠEar ning L TV ĠD oubtful est on ĠB OR ĠN OTE ĠP NCI ĠCommit tees 59 9 Ġinflu encing Ġstandard ized Ġillust rate Ġupgr ade Hold ing Ġcancell ation 5 27 7 13 7 18 8 35 r r Ġh ouses ĠF UN Ġsub ordination ĠNet work 68 9 Ġsur v Ġfacilit ated Ġfacilit ates ĠMan ag ĠRegion al Ġinterpre ted ĠCour t ĠStabil ization 7 10 F HLMC P R m on r ac se arch or igin Ġ20 33 Ġs izable qu are Ġcon tig Ġup coming Ġout we Ġproduc es On ly 60 1 Ġlate st Ġindex es Ġdraw s ĠMon ogram Ġcontig uous 5 11 F OMC j ected Ġw a Ġth re Ġasse r Ġdep icts ĠS ource am ination am ple Ġ10 4 75 6 55 7 68 2 68 3 80 4 Ġopen ings Sub ject Ġles see emp loy Ġent ry ĠLet ter 6 14 6 39 6 69 7 75 7 41 A CI C al w ap st ated Ġw ent Ġth rift ĠC ost Ġnot ably ĠM VPE ĠO THER omb ined ĠAn ge 68 4 66 1 Ġwor ld Ġmand atorily Ġinspec tions orne ys advant aged ĠVari ance 7 70 f loating i ors Ġde recogn Th ree fe rent Un til 75 1 69 3 Ġelig ibility Ġtrigg er 5 45 7 24 9 23 L and e ither Ġb ur Ġcon versely ĠY CB orth y ĠK ey Ġbuy back CD s ĠIsland s Ġvulner able 7 14 c il e te p ayments Ġex c Ġst ay Ġmar ine Ġrel ief Ġequ ities Ġocc up Ġpart ner Ġnumber s Ġperson alized Ġbo ards 55 6 Ġpred ecessor 57 9 Acc ruing Ġmultip lying ĠInter agency ĠIndust ry Ġreimbur sable tract ing ĠAnge les 5 32 8 30 T ARP ig or Ġst age Ġcomm ence ĠP ass Ġterm inal Ġdis posed 60 4 ĠQ U 70 2 65 4 66 6 88 4 Ġmoder ately ĠPo inter Ġent ail ĠFS GBank 6 34 6 49 7 47 A llowances te g Ġc ertified at t et te 75 8 67 7 77 3 Ser v ĠTh at Ġow ning Be low ask a Ġencomp asses . ' 6 15 6 40 7 28 7 44 es ota Ġb od Ġs ample Ġr are lig ible aw back Ġinter company Ġliquid ating Ġorgan izational 70 4 Comp liance Ġbehav iors ĠAcc ounts Ġactu aries Determin ation ĠCoun cil ĠPR ICES Ġcom ments Ġclear ly 6 56 8 64 D IT i Serv r able Ġcomp ute ay lor Ġdep le Ġtax pay Ġun ions Ġme an ĠRe v ĠRe serves Ġ10 3 Ġrepric ings ĠTax able 59 7 57 3 89 2 AB I Ġadvantage ous pl ans Ġdil utive ĠLouis iana ĠCHANG ING aren cy Ġtransp arency 5 37 9 30 A b I TION t aking ĠC R Ġv ast ĠF L ĠF T Ġqu anti ĠP ayments ĠO ce Ġatt orneys Ġacqui ree au ge ĠG ateway 58 4 Ġshor tening Ġinstantaneous ly Ġprepare s Ġvulner ability Ġforfe itures ĠNM TC 6 43 7 19 8 38 R ATE p urpose u ished ot or ĠG lobal Ġimpro bable the less ĠLi quid 69 7 Pr ivate ĠRet urn teg ra 7 45 8 70 M od Ġb ought Ġv enture ĠT aylor ĠO m Ġfe el Non etheless 58 3 65 3 OL D AC NB Ġvi ability Ġrefund able Ġdeferr able ĠFI FC Ġadap t 5 13 6 36 6 42 7 46 8 31 Ġ ' Ġs ized Ġexp iring ĠP CB ĠH ar ex t 58 9 68 7 Ġaltern ate ĠAd just Ġ50 4 Ġintegr ity estim ates Ġdispl ayed Ġdisburse ments princip ally 6 22 7 39 7 38 ĠD FI Ġaddition ally IN ESS LI TIES 77 2 Ġexclusive ly ĠCOM PARED US INESS mb ol igor ous ĠQU ARTER 9 49 S UMMARY o pping r iven Ġe as Ġimp rac ĠR T Ġev ol 56 6 69 2 Ġuncoll ect LC s ABI LITIES 7 40 9 37 H B t roduc Ġproduc tivity ĠH am ĠW or Ġcompri ses Ġevent ually ĠCo operative ĠMon ey ĠMad ison ĠMinn esota ĠDor al 6 57 8 22 8 59 M eas S ens d iluted p aid Ġa im Ġw ww ic ation Ġg auge form erly ĠI CS Ġyield ed 55 1 Ġevent ual 66 3 Ġmer ge Ġproportion ally Ġshor tened ĠPo int IEL DS ĠOrgan izations Ġsophistic ated 6 10 6 28 6 21 6 60 7 88 8 24 8 66 B et R estricted o ted Ġcon cludes th ree Ġnon qualified gr ade ĠCons olidation serv ic Ġsimul ate Wh olesale Ġsubst ance ĠOF F 78 4 98 5 int r Ġclos ures LC NB ĠAss um ĠCRE DIT Ġexhib ited appro ximately Invest ing Ġuniden tified 7 60 8 69 e alth Ġthe ore ĠA venue Ġreal istic Ġcost ly ĠCh airman 60 9 Ġdefer ring ĠAcc umulated ĠSTATE MENT Disc losures Ġworsen ing ĠMAT URITY ĠPartn ers Ġsof tening 5 31 9 62 M an W rite p urchased re quent Ġf it ol k ĠD if Ġdec ons ĠT MS Ġreal l Ġ19 96 70 8 59 3 80 3 79 2 Ġwork outs ĠTh ree Ġconstant ly Sec urity Acquisition s Ġsouth west ĠCF PB Ġcoast al 6 31 ; ") d il i am Ġs urch ĠS U ĠA OCI ĠBank corp ĠM ex rec losure erm ont av ann Ġ15 4 tend en ĠCh apter dra ft 67 2 66 2 76 2 ators hip Wes tern Ġobserv ability Ġdimin ish Ġsteep ening Ġshr in avann ah 5 70 6 38 7 23 7 37 M in P ublic S U it tenden Ġ20 36 io t Ġsh opping Ġqu ot Ġfac es 68 8 Ġconserv atorship Ġunderwri ters ĠAM CORE Dif ferent Ġirrevoc able 8 16 in ing Ġre evaluated ĠC le Ġh uman und ercapitalized ĠB AL ĠS avannah ĠU SA Ġmod ifying Re fl Ġsupp lements 77 4 Ġhealth y ĠSh ared Ġclar ify TR IB comp ete ustod y Ġdenom ination CW B ĠLend er ĠBorrow er intr ust TRIB UTION 6 44 6 41 9 25 9 46 F ully Ġnon financial aw ay 75 4 70 6 70 7 lass ification uccess or 88 7 Ġnetwork s Ġsegreg ating Ġconven ient Ġver ified Ġilli quid Ġlengthe ning Ġnecessit ate Ġdiss olution Competi tion Ġsy mbol ĠCR ITICAL 7 49 7 42 7 66 9 75 r als re t Ġc at ac quisition ac ceptable ĠB Y lin ing Ġcontrib utes ĠOff ered 78 1 Ġsti p Ġreac hes Ġcance lled Ġunde tected Bro kerage Ġjeopard ize Princip al 8 27 ĠB P ĠA T ch ar ĠP e ĠP ort Ġpo or ĠCh arge 56 9 68 6 7 34 7 31 G NMA P olic Ġc ure Ġm ission Ġto o ĠC CB ĠF ort ĠS ol oc al ĠO b ĠIn tegra ĠV ermont ex isting Re aders 69 6 Ġbrok en ĠIN VESTMENT Ġdecl aring 76 4 Ġsout heastern gen er Ġconstruc ted ĠPremi ses ĠMex ico 6 23 6 32 9 45 D ING F A M argin f orecast ge red Ġend e ĠL a ord able Ġreal ign Ġes cal ke ep ass away Ġjud ge ĠW SB 69 9 ivers ide ĠProgram s Subsequent ly Ġexception al Ġcour ier Adjust able Ġcontribut ors Ġinform al ĠDetermin ation ĠAD C Ġperf ect ĠAuthor ity ĠBAL ANCES 8 33 9 55 P lan b ook is or Ġ3 25 Ġ3 82 ĠC uts Ġst ressed Ġind etermin ĠM erc ĠE astern Ġsp ite ER P Ġindemn ified Ġconsolid ations Ġupgr aded Car olina Ġinadequ ately ĠMethod ology ĠLet ters Main taining 7 22 7 32 8 20 8 45 8 76 8 62 9 31 Ġc ush ĠF iscal ĠF CB Ġcont act ĠR iverside Ġsecond arily Ġmanage able Ġfluctu ated Pro perty 76 3 Tax es no v ĠPo or eff erson Ġenabl ing S hares c ontinue Ġ : Ġ Z re pre Ġb ad as sets ol ed ĠD efined inanc es ĠI PO cal culated av al Ġinter ven ĠPro f Ġgroup ing 77 7 ĠRec overy Ġuncollec tibility Ġquantif iable Ġcyc lical ĠCON TRACTUAL Ġstri p Ġcomplement ary Ġreinvest ing Ġdam age Ġisol ation Commission s ĠDefer rable Ġdwell ings 8 29 9 35 V ari h an t arge es sed Ġh on ĠG assaway Ġconcentr ate ĠCh ittenden 69 8 80 2 90 5 Ġles sees Ġquantif ies Assum ing CON SOLIDATED Ġinvestig ation Ġtelecommunic ations 6 11 7 21 8 60 9 65 F inancing I s j ects on y Ġexp lo Ġ1 18 Ġli ter Ġli ving ĠR DSI Ġen for ric ts Ġsu itable Ġinstitu ted viron ment ĠEx tinguish 75 9 Ġdist ricts ĠOper ation ĠEn d ĠAC TI ĠAl t ĠSec uritiz Ġprohib it Ġmed all ĠWh ile Ġbl ended Ġcustod ial Mer chant Ġnam ed Bet ween 5 48 7 36 D FI L et ĠI den lic able Ġcompar atively Ġsel ectively Ġpropor tions Ġattr acted ĠOwn ership Ġrespond ing Ind irect Ġcolum ns Ġstud y ĠFlag star ercent age 8 55 9 10 B earing U B c ade re tary ur ning le verage le ased Ġex ha Ġcl awback ĠV ice 88 1 76 1 Ġturn over Ġpass age Ġmed ia ĠARM s ĠGu ide ĠCollateral ized ĠCam co Ġscrutin y ĠBOR ROWINGS aval ry 8 48 ti cular Ġm otor ul ent Ġad ds Ġ1 11 ĠU PB ast rop Ġdef icit AP R St atements 88 8 Ġrefer rals Ġformul ates Rep ayment estric tions Ġsharp ly Ġclo ser Ġliter ature 7 68 9 47 D ividend V APR Ġc ritically Ġ2 50 Ġw ar ab ers est ing In stallment Ġnon payment Ġapp reci Ġprev alent Un used Ġ19 97 Ġdis aster 75 2 75 3 Ġpled ges 78 5 Ġfree z Ġrecommend s Ġexpress ly ĠBB VAPR Ġconcurrent ly adv anced Ġquot ations abers ham 7 29 9 76 D oubtful O uts c onsolidated d riven m erger ti ty im pro ĠC redits Ġexp lor und red Ġli vest Ġpre clude Ġreal izing ĠM ir Ġpl ays ĠH arbor Ġret urning 69 1 80 7 89 7 88 2 78 3 Ġjoint ly Ġlaun ched Jud gment Ġlivest ock 6 37 7 67 8 21 9 61 Ġun acceptable Ġdisc laim 67 4 89 1 79 4 Ġconversion s Cont ing Ġce ases Ġden omin ĠFo reclosed Ġoutpac ing Ġuncon ditional Ġpresum ed ĠEmploy ees ĠSpons oring ĠFUN DS Ġsurv iving 7 33 8 67 9 32 g overnment m ission t ar v ii re te ti er st own Ġn iche ul a ul ated ther s air y Ġrev aluation ĠG ib ĠH ancock Ġpool ing Re v ral tar Ġreim bursed ĠSec retary Disc ussion ĠBro ok ĠBro thers Ġstratif ied Ġratif ied 8 41 9 26 9 70 ] . Ġre wards Ġre action il ed Ġad here ren ces ĠRe l Ġvari ation Ad justed 88 5 78 2 ĠLI QUIDITY ĠQual ified no x Ġsusp end Ġroll over Ag ency ĠVIS A Employ ers ĠProm ontory author ized 6 46 8 13 8 40 8 49 om a ĠC avalry ig hed Ġfour teen Ġsubject ing Ġpresent ing Ġfee ls Ġexam ine Ġcriter ion Ġwork force ĠRE P Ġrule making Regul ation West field ĠFo x Deb it Ġparce l Altern atively Ġaccumul ation ĠIntegr ated Ġstemm ing troduc tion Man aging 7 27 8 11 8 42 9 18 9 59 9 63 L ines M ANAGEMENT c ustomer r ong Ġd om et t ĠC oll ĠS FG ĠO k ĠO range ĠI ts ĠJ efferson Ġgain ed po tential Ġcomb ine Ġbo at Ġadmin ister ĠAm ortization Ġinst ance sc hed II I Ġaware ness Ġincur s Ġrecomm ended Ġoptim istic Premi ums ĠARR A Ġunde veloped ĠAmer iServ 6 68 8 65 8 63 9 40 9 43 m edi Ġs uc Ġmark s Ġsub tracting Ġgrow s erg ies Ġflo at 70 1 80 9 90 6 79 7 79 8 ĠOPER ATING tr ans Ġstri ke Like wise Ġreasses sed ĠOce an keep ing 7 30 8 51 h abil Ġse nt Ġor iented ut y ĠS m Ġimp lements oc u ĠT read Ġrem ove Ġdiffe red Un funded ĠEx cludes 75 7 Ġoption al ĠInd ic Ġbenchm arks Ġrecip ient ĠDif ferential ĠMir ae ĠTread way 9 22 9 67 H OLD f ixed Ġ er in arily st ance Ġmillion s ĠF ac Ġdisc rete Ġus ual Ġvari ed Ġdem ographic Ġorgan ically 90 8 88 3 Ġunp redict ind ex ĠFOR WARD Ġold er FF EC Ġunus ually 8 19 8 79 M ulti P C w ood Ġp i Ġwith stand Ġimp licit Ġdisc ontinu ĠH urricane ĠW al Ġexam ined Comp rehensive 89 8 90 7 Ġmitig ates 78 7 Ġcontain ing Ġchallen ged Ġvalid ated Ġintroduc e Ġfif th ĠMetro Bank ĠSpring field Ġdecons olidation Ġdenomin ator sched uled C ol Ġ20 37 Ġlo se Ġg athered Ġnet ted Ġun impaired ĠR en Ġadv isor pt on Ġmunicipal ity Ġmer chants ricult ure Ġmanufact urers Person al alm er Ġcoinc ide Ġpresid ent ĠGib raltar ocu ment H TM N L P ayment R I Ġin effective ic ter ĠS C Ġpre fer ri ptions Ġund ivided Ġstr icter ĠV ant 78 6 AB IL Ġeven ly Ġpredic tions Equ ivalent Ġintention ally Mid dleburg Ġconstruc t Ġdivesti ture Ġannounce ment Ġexc lusion Ġcush ion ABIL ITY 7 65 8 47 8 58 9 66 9 90 L D M il c ritically f ort g om Ġre habil ĠF amily ust ry Ġun available AS H ech an Ġrestric ting 67 8 ĠAm ount Ġaltern atively ĠLI ABILITIES ĠK nox ĠExp ress ĠIR LCs Ġsupersed es atr iot Ġrare ly Let ters ĠOk l ĠIndic ators gom ery 8 23 8 32 8 52 E B U T g u ur ies ĠD ay ĠL H ĠH SA IT H ĠAl aska Ġvalid ation eff ect urb in Ġlever aging Ġdele g Ġcorrel ate Ġstrict ly princip al Ġnorth west Ġexplo re 8 17 9 29 9 44 N R R ISK T echn Ġrec onc ĠM ergers 77 8 Ġenter tainment Ġrein surance 97 2 ae han ĠUS DA Ag ricultural Ġresum e impro ved 7 90 9 15 9 20 9 17 9 36 C ombined F oreign I R L P m et n ecess Ġc iv en sed ac hed end s ĠB all Ġwh y ĠS te Ġnot able ĠN OL ĠI BC ĠH SB ĠW ITH ĠPro perties Re view Ġprofit ably 69 4 67 3 Ġdepend ency Ġindemn ify ili ations Sh ock Ġdeal ing lace ment ah oma ĠAff ordable Or gan Ġnarrow ing ĠOrigin ation ĠMAR KET HOLD ERS Ġpi ec C or b usiness om ent Ġb ureau Ġw ider lic ations Ġrecover s Ġcategor izes 89 9 Ġweak er Ġcorrec tion ĠFTE s Ġcount ries ĠOkl ahoma 7 69 7 95 8 89 9 21 9 60 T raditional W il Ġf urn Ġl ump ro por Ġr aw Ġst ores ĠS aehan Ġun ivers Th ird Ġmin d ĠForm er EN ERAL ĠWe ighted 80 6 Imp ort 90 1 90 4 Ġdisp ropor ĠSub sequent Ġsatisfy ing Rep ossessed Ġcoven ant Ġtoler ances Ġcompens ated Ġappo int Ġdisburse ment ĠMont gomery Ġtaxpay er 8 12 8 46 9 38 M aterial N ever P redecessor a ur m anagement Ġ20 25 ĠF itch ĠB ut ĠB CSB ĠB HC ĠS ur ot t oc us Ġun necess ĠT wo Ġag ents ond ensed RE N Ġgroup ings Ġsystem ic 70 9 Ġconcer ned 95 2 Ġprospec t FS B Ġassist s Ġcurtail ment ARN INGS Ġbur den servic ing Never theless 8 43 U SS Ġre sets Ġd ues Ġw ater Ġw riting Ġlo yal In iti ĠM VE ĠPro duc 98 2 97 1 Ġdirection ally Ġmand ated Ġlead ership istrib utions Ġwrited own sess ments Ġsyn ergies OC K Ġprivile ge att an Ġaim ed Ġhon or USS ION 8 26 9 28 I den U TIVE d ep Ġre search Ġd ental Ġde v Ġex changes Ġv int Ġour s Ġ1 17 Ġtax i ĠG ain Ġ19 56 ĠRep ricing ontin ues EC UTIVE 98 7 87 1 Ġmig rated Ġsegreg ate cons umer CW BC dec rease Ġprotec ting 9 14 G eor P arent T As Ġm oment it le ĠL ines Ġind enture ĠM ill ĠEx amination ĠRep resents 68 1 90 2 ĠSout heast 97 4 ĠInter vest Ġbuy ing iss ible Ġver ification ĠAmend ments Ġreform s Ġhote ls Ġpreserv ation ticular ly 7 48 B oard F orm W M Ġh undred ĠF our ĠT ru lo ses ĠP VE Ġdebt ors rais al Ġren ts 89 3 Ġaver aging Ġrest aur CD O Ġspl its Ġrecommend ation bor o Ġstim ulate ĠFrank lin Ab sent Import ant * * 8 37 8 39 E L m illion Ġc r Ġw age ve y Ġcomp ounded Ġrel ocated ĠN i Ġassoci ations Ġdifferen ti ĠW atch ĠAn d Ġabsorb ed Ġsix ty Ġtrig gered Ġstorm s Ġfeas ible ĠPort land ĠEnd orsement ocument ation 8 34 8 44 8 54 a a i sen Ġo mit en nett ro se Ġr isen Ġde te os ter ĠF arm ĠF inal ĠF loating In troduction ĠS O ĠS CSB Ġmo ves ord ed ign ated ĠE mp ag ara lie u Ġadv ice lic ated There after Ġexam ines Ġauthor izes Ġspecial ist Ch ar Comp utations Acc retion 98 6 Ġdirec tive ĠPer iod Ġflex ible Ġimprec ise issu er Ġresum ed Ġsolic it Ġdiligent ly deb t origin ated Refl ecting ĠNi agara 8 36 8 56 9 33 M odeling p les ti ces Ġd uty ĠC ustomer ĠD urbin ĠP ER ard less rec overy cess ing Ġcontinu ance ĠV A ĠW intrust Ġexam ples Ġcarri er ĠCondition s Ġdoub le 99 8 98 1 Ġtransfer ring Ġrespon ses ĠTh rough Ġsupplement ary ĠReg istrant ĠAssoci ated Ġbl ock Ġlengthe n collateral ized Ġrecru it ĠCharl eston 9 68 I RR P ricing er b ro e ĠS and Ġam ple Ġun authorized ĠM IS Ġev olving ke e Ġspec ifies ĠW in Ġcap able Ġopport un 90 9 Ġpermit ting Ġinten s Ġintermedi ary con forming SEC URITIES Ġcom ment Ġterror ism ) %, c ar Ġa rose it t Ġe th et h ĠC LO apital ization Ġall e Ġequ ates ĠJ ud Ġhist ories ĠW AB TE D ĠWe ll ĠIN FORM Ġrefer ring oss ible Ġdownt own Ġinstall ments Ġproceed ing Ġinf requent Ġrefine ment Ġsponsors hip ĠImprove ment ĠCas cade Ġdispropor tion ĠINFORM ATION 9 34 9 79 P M S mall l t t roubled re fund se ction ll able is statements ac erb Ġex acerb Ġh ab Ġdec ide Ġ1 13 In stitu ortg ages Ġbank er Ġup stream ass um Ġsepar ation Ġobtain able 98 4 87 2 Ret ained ĠCON SOLIDATED Ġdispos als Ind ustry Ġreneg oti ĠCent rue Ev idence ĠDIS TRIBUTION Ġmanager ial Ref e ĠDISC USSION employ ee Sens itivity Ġunpredict able B efore B ennett J B m ark Ġm echan im um Ġpro tracted ty pe Ġ6 60 Ġtransac ted Ġaccre tive Con current ĠYE AR Ġparce ls Ġmedall ion 8 78 9 41 9 64 C H F E c ancelable Ġr ul ĠM in ĠIn cluded ĠAs he 89 5 Ġachieve ment HE LOC ĠAl though Ġpartn ers Ġcreditw orthy Ġperce ption Estim ating Americ a char ged Is su Ġmoment um 9 24 9 42 T exas ti t ĠC all ĠC hester Ġv ice ĠF ive ĠA uto ĠA RC ĠT own ĠR V ĠP RE ĠY IELDS Ġstrong ly Ġsix teen 99 3 SB L Ġsuper market ĠSouth side Ġbankrupt cies Ev ents Ġstud ies ĠCan ada ĠCorrec tive Ġperfect ly ĠFac ility index ed 8 14 9 89 G ENERAL v isory se lling ĠD C ĠD ec ear ly and ed Ġun scheduled ĠP L Ġprior itiz Ġpresent ations Ġfin ished Ġperm issible Ġupd ating 79 1 99 1 87 3 Ġattem pted ĠK NBT ĠPac West Ġemerg ency Ag gregate Ġdeliver ing Ġforfe iture ĠCharl ot Ġcat astrop Ġindetermin ate Ġunnecess ary refund able Ġhab its 9 48 9 77 G AP in ery ro bor ĠB asic ĠR est ĠI F Ġassoci ate Ġmaterial s OR Y 77 9 Ġtarge ting With out lease back Ġretro actively Ġrecru iting EX ECUTIVE 8 68 8 77 9 12 9 16 P innacle W ords k ill Ġd airy id ual Ġde tection Ġnon deductible Ġend orsement Ġpl ay Ġnew er Ġgr and AR M ĠDeb enture 97 3 Ġprepay ing Prof it ĠPo ols Ġfam il Ġstation ery MIC s 9 39 C autionary st ock Ġ2 20 Ġn arr us sell Ġst o ĠF C ĠF uture ĠP atriot ĠE ach res no titu tion ĠH abersham Ġunc omm Ġcor robor Ġaccre te 89 0 89 6 99 2 Ġaudit or ĠDe lin Par ticip Ġbre aches Ġce il Ġroll forward Ġinform ed Ġhard ware Ġsurch arge Ġinterven tion Ġsuc ceed 7 11 G e G reat N either d a Ġe ase Ġn ortheastern os itive form ed Ġun will As iana Ġclass ifying Ġforec lose AN T Ġnorm alized Ġneed ing 80 8 Imp ro 95 1 88 6 Ġph r Ġmig rate PO s Ġwee ks Borrow ing Ġbifurc ation Ġdeleg ates Ġunwill ing F armers N SF m ont r acts Ġm il red ited ac tional ow ers ĠO R AP B AR Y Ġconver ts Ġaccess ible emp has Ġjo bs ĠConn ect ĠAmer iana Origin ated Americ an Ġtermin ology Ġuncollect able ĠMIS N Ġphr ases 0 15 8 28 H ad H TS P ac Ġ = ĠC ertified Ġcomp lied Ġexp oses ot ment accrual s pen sion orn ey ili ar Ġlook s Ġent ries Ġfue led ĠSol utions ĠExtinguish ments Ġopportun istic . ). 8 53 D odd F NB M onth M erit f oc o en s al w a Ġcomp li ĠA BS Ġoff sets rec overies Ġdisc loses Ġnonaccrual s ew al Ġdis ability 80 1 79 3 ĠAd ditional cy c 87 4 Ġaudit ing Ġsecuritiz e hib it Inc rease Ġnonc ore Ġdeli ber Ġfraud ulent MAR KET ĠHE LD Ġlicen se ĠColumb us Ġtrack s ĠPh oen ĠStrateg ic ĠRock y Delin quent Ġhospital ity Ġevol ve Ġdete ct Ġmechan ism ĠIF RS ĠPhoen ix 9 58 B r C riticized G P s ix Ġr igorous Ġde vo ol ved Ġv iable ĠF F ĠS il Ġimp osition ĠBank Asiana Ġmortg aged ĠI M Ġsu ite ĠFDIC IA Pre sented ĠCont racts Le ases Ġnonc omp qual ifying ĠUCB H tify ing O S W atch Ġco d Ġ1 35 ĠN or ĠM unicipal ĠM isstatements str ateg Ġobj ectively Comp onents Ġsubstan tive Ġaccess ing ĠConting ency Ġseasonal ity HA RE Ġmach inery Ġlawsu its ĠPremi um Ġfamil ies ) - / ( 7 89 8 57 S et Ġa uc Ġre statement ve land id ering ĠF if ĠB NC form a ĠP I Ġtr uck Ġins ure Ġless ors velo pment Ġbenefit ted Ġsimul ating Ġbo ats Ġspecial ists lass ifications 79 9 BS I Inc reasing Ġpredic ting ĠHill s ĠGuaran tees Ġrefine ments Ġappe al Person nel Reduc tions ĠSO X ĠWell s b ut b ps Ġt ightened Ġf ill ĠC orn Ġtr ail ĠSt r Ġsim ple ale igh ĠW ar AL E Ġinter action Ġ16 1 Ġsl ugg CB B Ġcondominium s Ġbrand ing Ġapart ments Ġdispl ays Ġdam ages ĠTRUP s Compar atively MAT URITY Vari ances Outs ide Ġslugg ish Ġre aff Ġg ave ut ch ĠB onds ĠS ERP Ġrep o Ġrel ie ĠT raditional ĠR ef Ġsc oring Ġrele v Ġconcer ted 89 4 95 3 De terior Ġrent als Ġpromo tes ĠTh ird ĠFr anchise non accrual Ġsafe gu ĠWil ber Ġmach ine ĠDetermin ing ĠIB E ĠBAN K ĠFT P Ġciv il tit uting N orm V ol Ġto uris Ġe asing ĠF BB ĠF MD Ġun improved ĠUn ivers Ġland sc LI ABILITY kn ow Pre payments Ġseven teen Ġsout heast Ġver ify allow ance Ġencomp ass Ġdon ations Strateg ic Ġderecogn ition Geor ge ĠAshe ville Ġtouris m V ITIES c her re fl Ġp owers ĠA B ĠT rends ĠO utstanding our ced irec ted Ġoblig ors ĠW S Ġcomb ines ĠStock holder Ġ16 6 99 7 98 3 Ġintegr ate Ġz on Up dated Ġpertain s rel ationship Sout hern Western bank ĠGuide lines Ġsto pped Ġuncomm itted 8 61 9 57 D istributions F ive L arg P F P ositive S T Ġin nov et cher ĠD ub ĠF ocus ĠB al Ġover come We ll Ġdisc ontinues Ġnew s Ġaff irm ") ; Ġdetail ing Comm unic All iance Ġpers istent istr ants Ġnumer ator ĠPC LC Ġredep loyment Ġsyndic ated Coll ection strateg ic " ; % - 9 27 M L O CC d uration p ing s ignificant Ġc ities Ġp ath Ġ20 21 qu a at on ac r Ġ1 16 ĠF ee ap s Ġno tices ty p ĠRe organization Pro duc 90 3 ĠSuper visory tr ading Car ver ĠChar ges Ġmach ines Delin quencies Reg ardless Ġfam iliar ĠManag er Ġtheore tical 9 11 9 19 F B W B k y Ġs acr her ing Ġad hering Ġdec onsolidated ĠT ra ĠR aleigh ati cal ĠSt atis Ġ14 4 Ġnear by ĠEn core Ġrepay ing ATE G Ġapproxim ating CD C ĠRepurchase s sub ject Ġlandsc ape Ġsacr ific 8 18 9 13 9 56 E TS U til Ġ ==== Ġt ac re en re ferred Ġre ve Ġinc ident ĠD ie ĠF PB ĠA RB iv est ĠT C ĠL P ĠR em ateral ized out h Ġorigin ator Ġexper ts IC S Ġmod ifies Ġsim p Ġdis l Ġproced ure Ġcau tions St ar Ġuncoll ateralized ĠFr om Ġlock ed Ġfundament als Ġdisting uish Trans action Ġnecessit ated Ġfeas ibility weight ing ĠMaster Card ĠTru PS ĠDie go 9 80 E F R en U s Ġa head Ġa wa ĠComp onents Ġour selves Ġimp osing Ġimp lications Ġacc redited ect ronic ĠL LP ĠR ML duc ation mp qua Ġshort ly Ġsell ers tic les ĠPro perty Ġcircum stance Ġauthor izations Ġlend able ĠAd ditionally Ġdefin ite Ġpost ure ĠSHE ETS Disc ontinued Ġenforce able ĠGeorge town Own ed ĠHamp den foc used 0 25 0 46 C ustody M utual N early ti le Ġm emorandum Ġfor ty Ġpro xim ĠF resno ĠS CBT act or Ġind entures rib usiness Ġ12 1 Ġconcentr ates Ġspecial izes 99 6 99 9 ĠNorth western fr ont IF IC Ġreli ant Ġappe als Ġdisaggreg ated ĠPay able Ġdisclaim s ĠVant us 9 95 H ow P s T rends V irtually d ers ur able Ġs ites rest ric Ġv ote Ġpr omin Ġco des ĠS weep ri sed Ġnot withstanding Ġstr ugg hold ing Ġamortiz ations Ġmaterial ity Ġhome b Ġsuccess or Ġsus pension ĠBenef icial ĠAff ili Ġjurisdic tion collateral ization ĠBo ards Ġvis it Own er ĠAre a Improve ments Ġredeploy ed Ġthre ats ĠCle veland M ember f ederal g er u y y ber Ġ her is cellaneous Ġ20 31 Ġse v Ġh our Ġac ted Ġcomp licated Ġy e Ġ1 75 ff olk tim ore up on Ġadv ised Ġalloc able uccess ful Ġformul ated ĠWil son Ġreti re Ġstratif ication Ġomit ted Ġrelev ance ĠUnivers ity 0 50 P ost T ables Ġc rop ll ar Ġs izes qu ir ĠC A ĠC OLI Ġac know end ix Ġst ore Ġsec ures ĠT a ĠP rior ĠP erson ati lity Ġdef end Ġop ted Con centrations irm ing Ġaccommod ation ĠEff ects MAT URITIES Ġgrand f Larg er typ ically Ġawa iting D is E ESA O D P G d ale l ist o ices Ġf ield anc ies Ġv ital um et Ġcomm its air s Ġequ ated ĠI TIN alu ed alu ating ĠU se Ġemploy ers Ġstand point Ġminim ized Ġman if Ġdown stream Ġdis charged ĠCon centration ĠCal umet Banc shares ĠInter Bank Rep ort Ġrest s ĠAssoci ates aren d Ġjus tify Conting encies ĠHSB C C TBI R em b inding s per Ġf al Ġl ad ĠS JB Ġnon deposit Ġle v Ġinv oices Ġrec ur air ments Ġun adjusted ĠT esting ĠL im ĠL ee Ġcash flows ĠO f Ġfe lt Ġrem easurement Ġsubj ects ier ce Ġdef ects ĠAs ian Ġ12 2 Ġprev ention Ġcompe tes To gether ĠOff er Ġdesign ate ĠAr row Ġdeduc tibility Ġstrength s Ġz one Ġremo ving Ġsafe keeping Ġdil ution ĠMon roe Ġramp s ĠOne ida Ġdispl ay ĠCl ara ĠHamp shire ĠEur ope Mod ifications ĠJud gments Ġexacerb ated Institu tions C ontinuing E QU N M m ons re w Ġm ir as ant ac on ĠB ase ĠB USINESS ĠS NB per cent Ġacc essed and em Ġle ads ĠT almer ĠM c Ġag rees ĠAs sessment ĠRep ossessed arr ants wh ile Rec onciliation Ġundert aking Ġvalid ates ĠCO B Ġfif ty dil ution Ġrehabil itation Ġnarr ative A uto F reddie G O O F h igh Ġ 000 un changed at ings ĠD TAs und ering ĠS ponsored ĠP ercentage Ġreal izes Ġne igh Ġout l ast le ced ures Re tirement 95 4 ĠSu ffolk Rec ognition omob ile Ġredeem ing Ġdeal ership ĠLouis ville ĠMO RE ĠMont ana ĠTechn ology UC TION Ġquanti ty Polic y Ġfreez e ĠBal timore restric ted 0 45 E PS M e T RO n egative o le on ounced Ġb i Ġb ols Ġs quare Ġs kill ĠD utch ac ent Ġcomp ress Ġpr onounced ut omobile Ġ1 12 ĠF ully Ġnon maturity ĠBank RI ĠR ussell rib utory Ġregul ate equ ity Un secured Ġel ects unicip als 99 4 Ġdesign ates ĠSens itive rupt cy ĠAccount ants gen eral Ġcompr om Ġisol ated Ġ+/ - Ġencoun tered ret urn Ġdom ic 0 75 F loating O ption Ġw ish ab ank Ġex emption Ġpro g Ġ1 19 Ġqual ifications ĠV ill ĠUn it Ġcontro llable Ex ternal Ġcorrespond ents Ġren dered Ġapproach ing Ġrevers ing Ġbuy out Pr imarily tr ust arg o Ġname ly NON PERFORMING Ġinspec tion ĠIB T ĠIniti atives Ġhighl ight ĠJackson ville ĠGD B Organ ic ĠSil ver significant ly Ġye arend 0 43 9 88 B ase D efined F ed N ational b ro Ġt andem on abank ul ations Ġh arm if iable Ġcont acts ĠP B ign ation ep end ĠH an Ġamortiz able gr aded ĠW ay anti le TE RM Ġ19 91 Ġoptim al tr aded ĠInstitu tional Ġbid s Ġplatform s evalu ate Ġconstr ained ĠCF B Ġspons or ĠPar ticip Ġdepart ure ĠFl etcher ĠEff ect Ġdivesti tures ĠTreas uries Ġrepe ated Ġeas ily Ġloyal ty ĠARC s O bligations e er s ite Ġt ail ĠC S ĠF argo ĠN ara Ġmat hem Ġins urers ĠI RA Ġtrans l IC PA Ad verse ex p Ġfin ally ĠBanc orporation ĠQ SBL St reet vant age Over draft non interest ĠInstitu te Ġcond u ĠTRU PS call able government al Ġdemographic s ĠExpress o Ġfurn ish Deterior ation B A G r O THER V aluations 00 6 ĠS l ĠS wap ĠR estrictions Ġtr acked ens ing ĠBanc o ĠLe ad pro jects place ment Ġviol ated pos al Ġpropos al ĠLE ASE Ġoversee ing Ġrenov ation ĠHam pton Ġstip ulated Ġvint age Ġnoncomp liance Ġmathem atical 0 40 9 78 L T N orth N IM ĠC ass ĠC ASH Ġres ource ig it Ġapp or ĠP ad Ġreg ards Ġadj acent ĠW ater AR s ĠIN D Ġrenew able ĠK ore ĠAg riculture Ġmig r ĠProvision s Ġsurren dered Ġexpend iture Ġretro active Eff iciency Su pplement Ġspeak s Second ary Ġlengthe ned Trans fers Annual ized Exp osure Ġfue l ĠTeam Bank Ġalle ged ĠPad res F iscal H ealth M iscellaneous f inancing v ent Ġ ======== Ġt ab er a un e as da ĠC ap ĠC ree ĠC MBS Ġnon vested Ġemploy ing ĠV AL ES OP Ġ16 2 Ġdist ress Ġspe aking Ġcorrec tions Ġnonc umulative Ġoptim izing Ġpursu es Ġcentr ally UTION ARY Competi tive ĠCP I Ġoutwe ighed Ġshrin k ĠKnox ville Ġauc tions asda q ĠCree k L ow O b S uccessor s ize v iii er ge ol a ĠD A ul tifamily Ġfr actional Ġexpen sing ĠBank United ad ded ĠIn cluding Ġmon ies ĠE ducation ĠH ybrid Ġdef en Ġ12 9 als o ĠCapital Source ĠAS SET Ġsegment ing Pro blem Ġcorrespond ingly ĠFirst Merit ĠForm al Cons olidation Ġinst ability Ġfre quencies Ġremo ves Ġexhib iting Ġphase s Ġuns old Ġexpl ain ĠCB F Ġstim ul High lights ĠCharlot te 0 20 0 24 0 39 l ities et ro Ġpr omp ĠB lo ĠBank ruptcy Ġun guaranteed Ġtr y Ġover seen Ġpay outs Ġsale able ĠE AR ĠG ross ĠH BC CO SO par ticularly Ġunderw riter Ġflo od Ġcall ing Ġvolati lities Ġro lled ĠInd ividual ĠRegul ations ĠInter im Ġord inarily Ġnonc ont ĠReg istration Ġengage ment ĠST OCK ray stone Ġver ifiable ĠMain Street Ġdenom inated Detail ed ĠMAT URITIES ĠTE A Ġimprac ticable Min imum Ġrealign ment ĠWS FS Ġmir r ĠVill age Ġtail ored % : 0 28 D UCTION O T T ra h aps r amp ur ally Ġn ames ĠC ould ĠC ology Ġex ited ig ration ĠS pec ĠS ier ap se Ġha z ied mont erm an sion s tiv eness RE IT Ġcomple ments ex cept Un audited centr al Ġ16 5 Ġrat ably Ch ange ivers hip inc reased Ġintermedi aries Ġprom oting ĠCB T Ġterror ist forecast s ĠMerc antile Ġexplor ation sper ity TRO DUCTION ĠSier ra 0 60 0 52 0 85 0 93 A K O RE S ES S afe W arrant b alances k a o blig Ġin te is hes ĠC astle ĠD av Ġcon tent est anding Ġexp resses ĠS imp per m ĠN YS ĠN asdaq ĠT BO ĠM E Ġag ribusiness Ġany time Ġgu ided Ġrece ivership Ġmargin ally Ġmet ro St atic St rong ĠEn vironment ĠAg ricultural Ġformul ating istr ative Occ asion ĠOver all Ġlag ging Ġpass book Ġaccommod ations ĠLeg isl Ġadhe res Ġhouse holds ĠMan h VA IL cont ractual mon etary repre sent Cor respond Ġhaz ard 0 59 0 99 P ass Ġl if Ġb orne id ers ĠC ape Ġh it Ġh ire ĠA BI Ġ( . Ġnon traditional Ġcons tituting ĠT IB As s ĠI T enef its ĠV NB Un certain Ġ16 7 aff ected Comp osition ĠAg gregate Ġbuy outs Ġcompens ating ĠUnder standing IG N Ġcurtail ed Ġnegoti able Ġdiv ested br anch Rev ised Wil shire VAIL ABLE 0 37 0 36 0 32 D C c riticized re placement en ed anc hes ac ra Ġcomp ressed ĠB et ĠB rokered ĠS pread Ġim balances row ard ch ie ĠL ow Ġsub urban ord in Ġreg istrants Ġpay down Ġissu able ĠG old Ġsp ent IN B Ġrestric ts Cons ulting Cons idering ĠMid Carolina ĠSec ond Ġexception ally ĠBl ock Ġ* . ĠEff iciency Washington First ĠIniti ative deb it Ġpack age Ġremed ies rep urchase Ġhighl ighted Ġdiscontinu ation Ġcatastrop hic Ġrelie ving Occasion ally ĠManh attan IGN IFIC 0 80 0 51 0 63 M DA S L a qu e ven g round t uring en ter ment o Ġcredit ing Ġinvest able ĠP NC ans on ision s Ġrev ises ĠE rr ef ault ĠU mpqua RE G Ġlend s Ġhelp ing Ġflat tened omogen ous Par k de termin Ġlag ged ĠNB N Ġsugg ested ĠMad era ĠLend ers ett lement Ġrecruit ment ĠME ASU acra mento 0 19 E FFEC S C j o k in u que an while Ġ3 60 os ion Ġv oted Ġper haps ut ational ĠB V Ġmo te ĠT RS ĠT itle Ġtr acking Ġno tify Ġatt orney Ġcontract ors ĠV ERS ĠW hether ĠUn ivest AL LOC ting uished Ġ19 94 Ġfre estanding Ġdirec ts ĠLO OKING Inc entive Le asing Ġadvant ages Ġsegreg ates ĠIssu ance Ġinf us IM E ĠInvest ors Ġreall ocated ĠSm ith Ġer osion Me anwhile ĠDA TA IGNIFIC ANT ĠErr or ĠVERS US ALLOC ATION 0 11 0 18 0 30 0 67 ; ) D U E l M arch P I c rib Ġf ire ic s ase r Ġex tinguished 00 4 oun ter ĠF TB ĠS acramento Ġle ave ĠT IME Ġunder go str act Ġdisc overed ĠI f pri ate Ġgr an lement ation Ġinter ruption AR DS Ġfall en Ġexerc ising Ġreclass ify Ġhand ling FI EC Ġactuarial ly ĠBe acon AA A Ġlic ensing ĠExp ansion ĠGreen ville ĠCVB K ĠCorrec tions AND ARDS ĠTreas urer ĠGD P ĠOm n ĠWor ld Ġexha usted Ġprospect us ĠEmp ire Profit ability BSI DI ĠDub uque Ġproxim ity epend ence 0 33 0 47 0 90 c er Ġt ight Ġt alent ti ff Ġex er Ġcomp utes ig ure ĠF alls ĠT D ĠP alm ĠM odel Ġcontr ary Ġacqui res Ġcontract ing Ġ12 8 Ġsumm er Ġloc ks Ġpers isted avor ably ĠK e Rec ogn ob j ĠAll eg POS ITION Premier West Ġconstruc ting Ġtigh ter Ġeigh ty Borrow ers Ġsimpl ified Ġentail s Ġbod ies ĠLH FS ĠStatis tical Ġmanif ested ĠSpec ific - . 0 35 g ate n ew Ġc ited en tial Ġth reat ue ens ĠS HARE Ġimp lies Ġrel oc Ġchar ters ĠP UB ĠP iedmont Ġunder performing Ġen jo Ġterm inations Ġ8 55 res ted gr ading Ġneg ligible ĠPr ompt ĠAm ended Ġtend er Ġresid ents Ġconsolid ating Ġcho ices Ġcommunic ate ĠApp endix Ġreposition ed pos als Ġexpl ains Ev aluating ĠNON INTEREST urric anes Ġinterpre tive Ġstation ary ĠSU BSIDI Ġreaff irmed Ġsimp ly ĠEurope an ĠBlo om 0 10 0 14 0 58 A r C lassification F T O ptions f all re pricing Ġc yber Ġw est Ġ20 30 ur a Ġs n 00 1 ain tiff dition s Ġun w Ġprior ities ĠH istoric CO RP Ġar m ĠNew Mil Ġrespons iveness ĠInd enture Ġcommod ities Ġbudge tary comm it ĠJo aqu ARD ING ĠEnterpri ses Ġlessen ed gener ating Ġende avor Ġpiec e ĠSur plus Ġhour s Ġlev ied ĠJoaqu in 0 23 0 34 0 42 9 69 M P a ug i us on es Ġin quir st atic Ġw inding Ġ20 32 Ġlo d ĠD en ver sion ĠB roward Ġinclud able ri ses At lantic ĠG raystone ĠH e av ored li en ak ers Ġ12 7 Ġregard ed Un ion ĠOper ational ĠCD I Ġunf avorably Con cession pre viously ĠK Y ĠK ing HE DU Pr ompt TR U ĠST ANDARDS with in Ġdevi ations ĠCOM P ĠEXPEN SES ĠREG ARDING ĠOut look Ġdeple te ott om Member s determin ed HEDU LE B ridge L ived P ay S o f o al ed or us or tions Ġm unicipals Ġs tems Ġco ordin ĠF O Ġimp ly am ount ĠIn sured Ġme ant Ġins iders Non accruing ĠG ains ĠH arr Ġdistrib ute Ġge t Off ice LO P Ġcho ice Ġbl end Ġencour ages ĠFNB PA accre ted EVE LOP ĠAff inity Ġla undering Ġrenov ations Ġoutwe igh ĠACTI VITIES Ġadminister ing ĠPB M ĠTBO M E mp l ock m ain Ġin j at ab ĠD ocumentation us sed ain t est ar Ġdep ic Ġdec iding ĠN CS ĠP lacement ĠE ver ĠFHLB P On going Ġtren ded ĠPro cedures IN TRODUCTION Ġdescrib ing EN TS Ear lier Ġacceler ating Ġquan tification Rep resents ob ile ron ically Ġavoid ing Collateral ized Ġdeploy ing ĠJo int IV AL ĠAppro ach ĠCCB G ĠRel ationship Ob servable ĠNCS LT M r l aw n orm Ġt enth it r Ġwe igh ĠB ill ĠS E oc ial Ġmo tiv ĠL ist ĠL akes Ġins urer ĠE stim ĠI r ĠU MB Ġ9 91 der ived ĠV I ĠUn iform Ġcomple tes ĠTr ading Ġcor resp ĠPro fit Pro jected ĠAm ortiz Ġsize able %) ; Ġwork ers ĠK atr sh ort Ġnonc ancelable Ġtransition ed ĠBu ild pos itive ĠLeg al ĠBr anson Dif ferences ARN ING Employ ees ĠRen asant Ġcompli ant Ġdealership s crib ed Ġcorresp onds ĠKatr ina 0 70 B acked F annie N LASCO m outh w as Ġl ay Ġde als ig g ĠA VAILABLE th ird Ġsub sid ĠP RO Ġund uly to ok ĠJ ames out look li ers ĠW arrants Ġ12 6 Ġ14 8 ĠCh ina Ġpers ist Ġproced ural Ġhelp ful Ġintegr ating Ġdirec tional Ġelect ronically Fo reclosure ĠAl ter ĠAcc ruing Ġfacilit ating ĠPo ol Ġver bs ĠPension s ĠSim mons Ġdisting uished Delin quency Origin ations Col onial Ġsacrific ing Ġlod ging ) " 0 84 L im h and m od w orthiness Ġf ounded Ġd atab Ġ2 25 ĠC SB ĠD EVELOP Ġh ires Ġ1 36 ĠR ome Ġunder took ĠO AK Ġterm ed ĠI t ex clusive Ġcompar ables Ġdis per Ġspecial izing sec urities Ġoverdra wn Real ization Ġprohib iting Dec isions ĠFo reclosure Term s Ġdevi ating Ġdisallow ance des ignated Invest ors Ġsyndic ation Ġoccup y ĠSte llar ĠPER FORM Ġdisproportion ate ĠPRE PA ĠRest ated Ġdomic iled Ġtab ular 0 98 0 86 C od C orporation G H H ORT a per i ams Ġa ided Ġt ie Ġc rises Ġp ict ĠC ondensed ber g 00 5 end er ĠF i ĠP redecessor For k Ġ0 31 ĠH un Ġimpro per ĠEx cluding Ġdis in Ġ13 1 Ġperm ission Ġplace ments month s Pre sent COM M Ġformul ation ĠCON TING ĠSuper ior Ġpredic ated Ġcle an ĠBro ad ĠConver sion ĠLE P ĠWill iams Ġtelecommunic ation ĠBO S win nett ĠMor ris ĠCorn er ĠDutch Fork Ġmigr ations ĠVAL UE Ġstimul us ĠPERFORM ANCE 0 16 0 55 0 57 0 95 F ICO H TC M ark U l e ge f irmed l ington s ourced Ġa ir al ers or ity es ides red eric le g Ġse qu Ġac ting Ġv ision Ġ1 30 ĠN J ĠL ib Ġdisc losing Ġins ulate Ġsc hem Ġunc orrec Ġreas sessment ĠQ ueens Bank card ĠIN C Ġdirec tives Ġgrant or SE D ĠOr ders Ġcustod ian Period ic Ġded uct Ġexplicit ly mon ey Ġwa ived Ġ==== == Ġneigh bor Concession s Ul tim Ġuncorrec ted 0 71 C ET F H K NBT b asic m easurement Ġ qui in ds Ġo we se x ation ally Ġex iting Ġcomp ound Ġfr anch ĠS ingle ĠS ky Ġrep utable Ġnon bank Ġnon public ount ry Ġrec al Ġun advanced Ġdeposit ary onom a Ġpl aintiff ĠJ ose ĠEx hibit ĠCapital ized ĠCapital Bank Ġcap tive Ġ16 8 Ġimportant ly Ġregion ally ĠEn tity ĠMid dle ĠInter financial Ġassign ments eg a Ġhand le ĠCol ony Ġknowledge able Ġlabel ed ĠRo ad ĠEv ans NOTE S Ġrank s Ġdon ation ĠBut ler Br anch Ġtrail ing 0 65 C ertificate E W H eritage m ington Ġt ri Ġt roub Ġf ast st ore Ġd et ĠC amp Ġat tain Ġcomp lies Ġad verti ĠF IS ĠF rederic ĠS IGNIFICANT Ġli able ĠA uction ĠN VB ĠL uis ĠR A ĠP SB ĠP ierce rec iable Ġtrans fe off ice li abilities Ġal igned Ġsupport able Al abama Ġrestric tive Con centration App licable Le verage ĠRE FE Dec lining man aged deal ers ĠCent ra Ġnegoti ations Ġenfor cing ĠSecuritiz ed trans action REN CE Ġdevo ted Tra ditionally Ġinte rested ĠREFE RENCE 0 41 0 91 A UM C all C apitalized I EN P ortions R ising c rest c ontinued in surance ab eth uc ks Ġ1 37 iz abeth ĠT ampa lo ut ĠP ROVISION ĠM onth Ġequ ival fl at Ġthere under ĠW orth Ġderiv ing ," . Ġar b Banc Trust Cont ingent Pr ime Deb entures Ġsol ution Ġdict ated ĠEl izabeth Ġjus tified Ġcommence ment ĠFL OW Meas uring ĠSand y Ġcorrobor ated Pac ific ĠDEVELOP MENTS 0 68 0 83 s ome Ġt emp Ġin struc Ġc ured Ġd u Ġd iver Ġ20 24 ĠD EPOSIT ĠD EB ĠS CB Ġu ser ĠR PG Ġall iance Ġsp ot ĠV CB reg istered ĠEx ce ĠPro cessing Ġoccur rences Ġauthor izing ĠInc orporation Ġmaxim ized Ġsuccess ive Ġexpansion s eas ured FHLB B ĠOffic ers Ġadvant aged Ġsoft ness be low Ġwai vers Ġvis ibility ĠInvest or iam i ĠProf ile Techn ology Ġunivers al Ġprioritiz es ĠLead ership Ġpict ure 0 48 0 53 0 96 I m J A J umbo T e st on Ġb uc Ġw ind ĠD an ĠB ecause Ġpre cip Ġmark ing Ġpo sed rec orded We ak Ġspec tr At lanta Ġadv i Ġsimul ates Ġred es AR IES ĠQ CBT Ġaccept ances Ġvers a Ġseason ally Sim ultaneous Ġstar ts ah u OUR TH ĠUnder writing rev olving ĠWill ow Ġpreserv ing uild ing Ġappoint ment Ġlad dered Ġgran ular ĠSUBSIDI ARIES Ultim ately Ġqui te Ġequival ency Ġspectr um 0 31 L ate en e Ġb ottom le ted ĠC BI Ġde ad em bedded Ġh urricanes Ġco p ĠB BB ĠS ettlement ĠA BO ĠN C ĠN ash ĠM S ĠM organ rec y av ors ens ive Ġcomb ining Ġcap turing Ġ14 5 Pro perties Ġref inances min ent ĠSub urban Ġden ied Ġoptim um ĠHill crest evalu ates NP As Ġarr iving disc ussed ĠDis position ĠPCB NA Ġnoncont ributory represent ing El ectronic Ġprecip it ĠABO UT A gree A OCI Y C b efore o up or king Ġto w le ar Ġh urricane Ġpro gressive Ġst ake Ġ1 34 Ġprov ed Ġun issued ĠM agn ad ence og a Ġservic ers Ġfact ual to gether tern ally 20 17 ous ly Ġgr ap Ġconcentr ating Ġsepar ates EC TED Ġsix th Ġwor st Ġdefin ing ĠAC H Ġnonc urrent ĠPer forming ĠSec recy ĠMet a Ġhand led Ġposses ses Ġeduc ational Origin ation Ġsimpl ify ĠPartn ership ĠTechn ical ĠIden tifiable Small er Ġrenegoti ation ĠFif th Util izing ĠFO BB Ġdu ties ( $ 0 76 E A T LGP d ays l ending Ġw are Ġe ast Ġse arch Ġv entures Ġexp ed ĠF lo ĠB ar ĠB ond ĠS ince Ġnon governmental ĠBank er Ġun insured ĠR and ĠR ou ĠM iami Ġoper ators ĠO VER Ġmain land lic an li quid Ġ19 90 ĠPro ceed IN FLATION ivers ification Ġcapac ities CF P Ġfail ing amp us PER IEN ĠAdv ance ĠCen ters Ġintroduc ing termedi ation ĠFo llowing Ġencour aging Disc losure ĠEX PERIEN ĠJo h ĠLegacy Texas Ġpop ular En tities ĠFS C Ġuniden tifiable Ġpack ages Ġprohibition s Improve ment Ġthre ate Ġescal ation ĠPI Us Ġpromin ent Ġpromp ted ĠEstim ated ĠStellar One ĠCorner stone Ġware h ĠEXPERIEN CE 0 62 A rr G oing M ergers W ritten c lass d irected g rowth p urchase r stown or age Ġd up ion al Ġ1 38 In tangibles ĠS onoma Ġsub mission Ġreg ister Ġab ilities Ġins ider ĠE NB ĠG winnett Ġoblig ate ĠH ow Ġ19 93 ĠBanc First ivers ified lan ned Ġindemn ifications LO SU Ġadministr ator Ġstrengthe ns ris ti ĠInstitu tion Ġjo ined ides pread IG HTS ĠX X Ġcautious ly Ġencoun ter Ġwa iting Ġimprac tical ĠProf essional ĠSC HEDULE ĠTa ft ĠAlter ra ĠLib or Arr iving 0 22 E ARNINGS F IC g ov re ce Ġf inances Ġw idespread Ġs ocial ĠD UE Ġat taining us ually ĠB y ĠB AS Ġ( + ub urn ĠN LIC ĠR urban Ġunder funded su ing Ġdetermin ant ai re ĠE SB Ġamortiz es ĠAs sessments Ġprob ably ex istent Ġ19 86 ograp hically Ġunp lanned ĠAr ticles Am end Ġexpos ing ĠAl am UL AT ĠOn ly Ġpredic tion Ġbreak out ĠMain Source ĠWil mington ĠSc out ĠTerm s Ġreb r Coll ectively Ġnam ing Ġreconc ile Ġeth ical Norm ally actor ily irming ham ) ( B P E AR N egative R o V isa y ers Ġp utable Ġm or Ġto wn Ġb as ve ys Ġr ises ĠC CO ĠC ontinuing Ġat test 00 7 Ġch ance uc e Ġdep reciable ĠS ound ĠS quare ĠA uburn Ġpre cluded Ġrec oup ĠP al ord er ĠO pport ĠO blig ĠO ahu Ġaff inity oth ill ĠW HI ex ington Un allocated Ġcor rid Ġinter agency ĠAN B allen ges Ġem erge Ġmig rating Ġattr action onc iliations QU ARTER ĠAud ited estim ated Ġreti rees Ġcorrel ates Ġnarrow ed Ġworsen ed Ġrank ing Ġsign ing Ġwant ing ĠMod ification ĠManag ers Ġquanti ties Meas ures Ġrul ing sal es Ġinnov ative ĠMEASU RES ĠBloom berg ĠNash ville ULAT ORY 0 44 0 61 B enefits M ortgages N ext d ividends l ife p ledged Ġthe ory al y Ġ20 26 Ġn ortheast ve ls ĠC ountry ĠD o ĠB irmingham ĠS ALE Ġrisk y ĠL exington Ġover l ren e Non controlling ") : au kee ĠV FG ult on Ġdis charge ĠPro sperity ES CR Ġ18 1 ĠAd vantage Ġsatisf actorily Ġrein stated Ġassist ing Ġclaim ed ĠRE VIEW AC Y de ferred Ġclar ification Long er Ġdispos ing ĠApp raisal ĠPrime Lending Ġdele verage ĠRock land ĠAD EQU IP TION ĠOm ega Ġmotor cyc ĠRef und Produc ts Ren ewal Ġfal lout ĠProceed ings Ro yal ESCR IPTION ĠADEQU ACY 0 92 b i t d in vested re ward Ġl ing Ġb and 00 3 ĠS OURCES ĠS onabank th ir Ġnon farm ĠN BI ĠR atings ad ian tem pl Ġdisc our ep ar ĠH ealth po ses Ġaccru es Ġ14 9 Ġanaly tics ER CIAL Ġsupp lying Ġconn ected Ch icago Ġmis sed Ġguarantee ing Ġapproxim ation Ġstatis tically Ġbreak s Ġcho osing Ġbudge ting ĠCor respond Ġdisag ree Ġdifferential s ĠBO E call ed ĠQUARTER LY gener ated Ġjudge ment ĠACTI VITY Iden tifiable Ġzon ed Ġtow ns 0 12 0 29 0 49 0 56 0 66 C HANG M I U ED b ase it z ent ura Ġinc ons ĠD O Ġco ordination In herent Ġtax ed Ġest ates am ine ĠL ess ĠL td ĠR anch ĠM il Ġshare owners Ġup wards Ġprovision al ĠJ u Ġsour ced equ al Ġcontinu ity au tion cul ation ĠV III ĠAn y Ġsw itch year s Ġdist rict Ex change Ġsupp lied Ch anging St aff Res idual Ac t Ġcontain ment ĠFRB SF ĠImp airments Ġflat ten Ġte aser ĠAl b be ll ĠCO SO CR A ĠGre ens eff ected ĠTA GP eti te Ġsolic itation Bro ker Ġreconcil ed CA UTIONARY Ġmechanism s Ġsafegu ard Ġdefen se ĠBV AC Ġdepic ted IVAL ENT Ġschem e Ġtransfe ree Ġgrap h 0 38 0 54 A utomobile C hecking F BC G IN G innie L ess u ition Ġin versely ti ll it oring Ġre ading ĠC autionary Ġse em Ġres c oun ds um as Ġun restricted am aw ĠL arge ĠP age ign ature ad em ĠO cc Ġeconom ists Ġob s acc umulated acc amaw op ted ĠV II Ġmeaning fully Ġinstall ation Ġconf ident ĠAmerican West ĠQu ad Ġavoid ed ins ula Ġdraw ing ĠMain land ĠAff ect ĠCF P ĠMan aged ĠCateg ories ======== ======== ĠEur o Ġbod y ĠAssum ptions Ġshrin king Ġrestaur ant Ġblock s Star ting Ġbols ter Supplement al Ġinquir ies GH M thir ds ĠRanch o 0 78 B USINESS K T T ompkins l et w hen re ach se ason Ġc ul en tives Ġp leased qu ette ĠC hes Ġh ost Ġat tend Ġst orage ĠF W ĠB ook Ġun il ĠR ating ad kin Ġcur ren Ġstr ain ĠFHLB s Ġadv ise Ġ10 31 RE MICs tee per AL M Ex cludes Al t ĠRes olution TS L ĠOver night Po int Ġclar ified Ġvac ation enn ium Ġbid ding Ġdele gated ĠOak s Main tenance ĠImprove ments Ġbifurc ated targe ted ĠREP OR Ġreconc iliations Refe rences ĠTC JA Ġgrandf athered ĠAlleg iance ĠCamp bell Ġtemp ered risti ana QUARTER LY CHANG ES Ġcurren cies 0 27 0 87 0 82 0 74 C aution c ription f ax p redict r ill Ġ %, se ven Ġf oster ur ches Ġs anc Ġex em Ġv o ĠF M ĠB arb ĠS SB Ġim minent Ġli ve per son ĠL od ĠP ul ĠM and Ġeconomic al Ġproduc ers li ent ĠV entura ĠW AL Ġmake up TE A ĠCh ic ĠCh artered ĠRes ource hec k Sub topic atisf actory pro cess Ġattr acts Ġrever ses Ġnine teen istrib uted Ġactu ary Ġoptim ization ator ium Ġextinguish ments estim ation Disc ount Ġent r ider ations ĠEv ent Ġforg one AM EL Ġsubsc riptions ĠVIE s ĠCan adian ĠBAN CORP run s Ġende avors targe t chie ve ĠREPOR TING 0 72 M easurement R DSI T ATE a z l ocal n ine o ods v ency v ale Ġt reas re ater on ent Ġthe ft ĠC ed ĠC NL Ġres ort Ġpr int ĠF ulton iv an Ġtotal ity Ġun affected ĠN TM ĠM ed Ġen gin Ġtrans act Ġlease back ĠFHLB I ĠG VA ull ivan Ġcomple mented Ad equ Ġjudgment ally itig roup EN DING Ġren ted Ġdoub led Ġdisp utes Ġtransfer able Ġprote ctions Ġfunction ing Ġpromo ted ĠAC L rup ted ĠES TATE Ġsuperv ised ĠFo othill con templ ĠRo ads IL L uild ers Ġremed y Ġasser ted Ġworld wide ĠZ one Communic ations Ġtac tics ĠAffili ate Ġvisit or ĠSilver ton ĠOblig ation 0 17 C am D r W ILL b orrowings c ateg f ace ur s un it Ġr ural ge t ĠC itigroup row ing Ġnon voting ri ment Ġun even Ġmat uration tiv ities Ġreview er ĠU SB Ġ6 00 Ġmaterial ize Ġunc lear Ġdis inc Ġconcer t Ġreprice able Ac tivities Ġrein vestments Ġcounter act Ġformul ate Ġtrend ing FDIC IA Ġlead er Ġmoder ated Ġvalid ity amortiz ation ĠAmer is ĠAdjust ments ĠSecuritiz ation ĠFour th Ġrestaur ants Month ly refl ected OD WILL ĠWay ne Ġdisin termediation Ġdet riment Ġmor atorium 0 13 M ultifamily S epar p arent v ariable Ġb ore Ġs teeper ĠC FS ĠC riticized ĠD ee ĠD ak Ġli ved Ġnon sufficient pp lies Ġrec apitalization ĠP P ĠP ee eral d Ġover runs vail ability all otment ĠNo tice ĠE ARNINGS op ular Ġdef icient Ġtw ice ĠPre sent Ġ14 3 Ġimm une Acc ounts Ġbroad ly Ġdemonstr ating Ġbehavior al Ġmand ates ĠPric ing ĠWh ite Ġafford ed Ġuns uccessful MBS s Ġappe ared ĠWill iam Ġdiv est Ġdeple ted ĠRev ised Ġintens ified Vol atility perm anent ĠFLOW S Te lephone Ġprogressive ly Cam co 0 69 M G i ate p uts w aukee Ġ vel Ġt ask Ġin ject it ations Ġ2 60 le ading Ġde serv Ġat tained 00 8 00 9 oun g Ġnon impaired Ġpre s oc ity ĠN ortheastern ĠP OS Ġind ependence Ġen suing orpor ated Th ough Ġ7 00 Ġsubj ectively ĠG rove ĠH ong ĠH ierarchy Ġdes ist TI FIC umber land Ġi i Ġ14 7 Ex ce ER TIFIC St one Ġren der BOR ROWINGS Ġsur veys ĠK ong Ġpost ing pret ations ĠFair fax Ret urns recogn ition Ġdowngr ading ĠCod orus ape ake ĠPl umas Ġoutp ace ĠPrincip al Ġk ind Ġuncon firmed fund ing Ġdiss olved Ġenfor ced dep th Ġincident al Report ing Ġcoordin ating Ġtie red ĠCONTING ENT ĠChes apeake Ġvel ocity 0 81 H e O ut S ection S ummit b o e ight l u s im Ġt urb Ġre issued Ġw ishes Ġs ure ĠC adence os a 00 2 Ġst agn Ġch aired Ġ1 39 ĠF ear Ġwh oles ĠS uccessor ĠS NL Ġrisk ier Ġun qualified Ġun accreted am m ĠR estricted Ġborrow s Ġcur tain ivid ually set tled Ġreview ers Ġdes k ĠW accamaw Ġhome owner Ġunderw ay spec tive ĠPr ince Ġro und Ġexec utes ĠAd opted ĠRec apitalization Ġph one MA C Trust s ĠAcc ord ev aluation Ġclar ity ĠCen Bank ĠAdmin istrative Ġvac ancies comm only Ġ320 65 Typ ical ĠEv aluation ĠHigh lands ĠNY NB Ġprivile ges medi ately Initi ally ĠMill ennium Ge ographically Post age Ġadverti se ĠBAS IS Ġrebr anding Ġattest ation Ġdisinc entives B PR C DI L itigation d ates e ligible m ise n ational Ġ urban se gment al though st orm st ablis Ġn ur Ġr ad le veraging ĠC res ĠC OR Ġwith holding Ġco ordinated Ġyear ly ĠB ow Ġapp etite ĠP lease Ġequ ation As ide Ġmeas urable ĠU BPR Ġ8 2005 Ġ30 5 HL IGHTS op ee Ġaccord ed Un employment Ġdelin e An n Ġsw ings Ġsw ept AR RA rap ol ĠSB IC ĠK ern Ġback ground inc ol Ġext rapol ĠCoast al Ġbudge ts Leg acy Se attle IG HLIGHTS ĠScen arios dec reased ROW ED Ġfig ure Ġtimefr ames Reg arding Ġcut ting Ġlaun ch ĠOb ama vironment al Ġsponsorship s Ġceil ing ĠHan mi ĠWater ford ĠSmith town Ġenjo y ĠAmortiz ed Agree ment Amend ments Ġling ering ĠChic opee 0 77 0 79 0 94 A ud C redits G B G uaran G MENT R s R ental S eptember w ich Ġt er on tier an o Ġb ullet Ġ2 10 Ġw inter at in at um ĠC C ĠC ase iti m Ġch urches ĠS NC ĠS PE Ġim bedded Ġrep utational Ġsh ap ail ed ĠJ UN acc rued ĠRe alized AS ES op olitical Ġdef ers Ġmin utes Pro bable Ġflo ored Ġbo ost Ġstrong est ft ware Ġro les 200 3 Ġge opolitical Ġelim inations Ġelect ing ĠAll aire ĠReg al Ġsegreg ation be ginning ĠPo in ope ka Ġupgr ading Ġconfirm ation ĠTA YC ches ter ĠMe eting under w rep rene ĠDISC LOSU ĠRev olving medi um Refe rence Ġceil ings Impro ved Impro ving Ġdisl ocation oblig ated ĠBet ter Ġfranch ises Ġbas ically ĠBarb ara incol n 0 88 0 64 B anner C ateg R ed W hether r im y le Ġ rough Ġd igit is po un less as tic ĠD I ĠD BO ĠD GHM ac tiveness Ġy our Ġst ag ĠS TR ĠS ullivan ĠN os ĠT opeka ĠO ptions Ġfe ed Ġpl ayed Ġins ol ĠE B ĠE R Ġinstitu te ĠMar quette Ġaggreg ation ĠCh ristiana Ġliquid ations Ġswap tions ĠCD E Ġsustain ing Cont ro ĠRE AL Ġpreced ent ĠOver draft Ġlag s Ġclar ifying Ġquick er ID EN Premi um Ġpossib ilities Ġent reprene Typ es Ġunderwri tes ĠMAR GIN ĠDis posal ĠOb ispo Initi al Ġacknow led ĠOmn i Ġ====== = Ġrough ly 0 21 0 73 D EN F avorable O B b est g one s avings t ah on oc Ġr ation The n The ir id son Ġde flation ol ph Ġcon sents Ġac res Ġres titution ĠComp onent In tegr ĠB aton ĠS ix per formed Ġpre mier Ġfo od ĠL ees Ġchar ts ĠM odeling ad or ide lands ĠU tah Ġcontr a Ġrem odeling Ġaff ords ĠH or el tic ). " ĠCons titution Ġnecess ity Ġpolicy holder Ġsee ing Ġiniti ating Ġreserv ing ĠY adkin ĠNon refundable Comp uter ĠAm ador ivision s Ġachie ves Ġfre ight Ġcoup le ĠMarket ing emp h Ġ60 6 Ġexpend ed Ġpass ive Ġrespond ed Ġindefinite ly ĠHeritage Bank ĠPark vale Restr ucturing ĠRed ding Reduc ed ĠREG IS estate ment ĠFT N Form er Char ges Ġsev enth ĠKore an norm al Present ly ĠRou ge ĠEuro bank DEN SED onoc o 0 26 A ff C EN D IS N ature N ortheast S ix d ost s plit re y it ary Ġ2 80 Ġs izing Ġinc orporation ĠC d ĠD emand Ġcon ve Ġat tainment ir s ĠF MB ĠF oster ĠF ailed ĠB H air ie ĠL SB ĠL yn ĠP opular Ġcapital izing ĠM er ai se ĠJ PM ĠU FBC Ġexper t op ac Ġcategor ization ĠAc tual Ġiniti ation AN K Ġanaly st Ġnorm s Re ported Ġ18 4 Ġ17 3 ĠVal dost Ġsupp liers ĠOther s Ġinflu x Ġdefault ing Over night Ġflat ter Rec urring ĠRec ogn atch ing LO SS Ġformul as ĠFr ontier ah opac ĠBu y Ġlicen ses ĠEN L Ġwiden ed Ġinves tee ĠOrigin ations ĠSun Trust ĠBo ise ĠMeaning ful dil utive Ġappreci ated ĠBrook line ĠREP ORT Ġcod ified exp ressed ĠRand olph ĠValdost a C om N AL W AL d oc i end u x Ġt uition an tifying te ch er ate en a Ġb ound is sue Ġ20 27 un allocated Ġde recognized Ġcon fl Ġfr ont ch anging ĠL CFP ĠL incoln ĠR ob Ġreal tors ĠM FB por aneous Ġunder st Ġequ ate we e ĠI SS IC E Ġsu it ĠG e ra w po oled Ġbr ings Ġreas sess Ġfin ds Ġorder ing OR S ĠLe vels Ġgo es Ġimplement ations ĠCommunity One Ġsur tax Ġdepend able ks burg Ġinstrument al Ġattr activeness ĠAll ocated ĠAll ocations ĠMat uring UL ATION be it Ġprescrib e ĠExp osure Su pplies ĠPC A Ġresum ption Ġcom fort Ġsolic its dec reases ĠTransfer or ĠAdjust able ĠWor onoco ĠPe lican Polic ies ĠBHC A ĠProduc ts Iden tified Ge ographic Recogn izing Ġdatab ase Ġcorrid or ĠMand atorily ERTIFIC ATES ĠJUN E Ġration ale M art S HE S OURCES U D b order g roup p ons in der in clusive Ġc ampus Ġp ure Ġd omin Ġas ked Ġ3 65 ĠD ays Ġv ault ay ette ĠA aa ess amine Ġacc ident Ġnon agency ĠL PO Ġreal ity Ġunder lie ĠJ essamine res ulting ĠRe verse ĠG l Ġbenefit ing Pro v Ġ16 3 Ex isting Of ten ĠInd irect wh ole cep ts Fo rec ĠReg istered QU IS ĠQu antifying ĠAb ington bal anced ĠUS T Sec uritiz ĠCur ve co verage ĠPar ty Ġforfe ited Ġmismat ched ĠEl m annual ized ĠLaw rence Ġexplor ing CDO s Concurrent ly ĠTD F main ly Ġstake holders ĠGreens boro Ġdetriment al Exce ptions ĠRecogn ized ' t 0 89 D aily E very G reen L S P ric T O d isbursed d ivisions j ud m ember m argin t a Ġin ac al b Ġp as ar ound Ġd rought ic ro Ġr ational ĠC losing if f Ġst resses Ġim age ĠA ust ĠP olitical Ġund istributed ĠM ulti ad th Ġdisc overy olid ay ys ville As sessment Ġbet a ĠH al Ġsc orec ĠV entures reg ul Ġcertific ation Ġdesc riptions Ġ17 0 Ġpred efined sec urity Ġdisp ute Banc Group Am er ĠRE MICs UR CH Ġbre adth Ġow es ĠWh olesale ĠMon mouth ĠCB N HAN GE ĠBro ker ĠCVB G Ġtrus tees ĠSpr ings ĠMutual First ĠEmploy ers Ġdeep ening Ġjudge ments Col ony ĠNOL s ĠProduc t ĠLegisl ation Ġinstruc tions ĠJu an SHE ET QUIS ITION B l C ondensed D ENT E PEN F igure H FA S wap V I r ata w orth Ġ2 70 Ġ20 22 ĠC ontin ĠC eltic ĠB ur ĠS ignature Ġim aging ĠA CBB Ġnon monetary Ġam id ri p Ġun ion ĠT CE am rap ĠP ine ĠP amrap Ġover funded Ġmat ches ĠSt ability av en gr ad RE P Ġdes ires umm ariz Ġal beit ib us Ġacce pts ĠPre viously Ġproblem atic TE RED Ġ14 6 Ġbu ys Ġ16 9 Ġunit ary Ġcard holder Ġweak ens ĠRec lassified Ġinten tional Ġinten sive Ġrun s retion ary DI F ĠSal ary Dec reased Ġdiscip lines Ġcour ts ĠCenter State Ġk inds LG IT TER NAL Ġdam pen ĠFI RM Ġaid s Ġtermin ates Ġdwell ing Ġtheore tically Ġrul ings Ġpath s ĠIND EPEN ĠPUB LIC ĠJoh n Aud it Guaran tees ĠREGIS TERED Ġinac tivity ĠPamrap o ĠINDEPEN DENT - $ D own K alb R estrictions S pread i est m unicipal Ġ ur Ġl ang om et Ġb igg et to id ian ab bi ber ry Ġfr action ĠF oreign ĠA H and id Ġtotal led ĠL POs Ġrev alued Ġregul ates Ġ4 25 Ġstr ains ĠRe venues ack s Ġcal ib ĠW MS ĠAS IC AN S umul atively All ocated ĠY et Ġ16 4 ĠNew Alliance hic le Ġsur vey Ġcoup ons Ġdefer ment ĠDe Kalb COM POSITION CC R Ġconserv ator OL TA Oper ations ĠCo le ĠCo verage roll ed ED ERAL FI FC ĠSys tems Ġpursu it Ġoutsour ce Ġnarrow er Ġnin th Ġnegoti ating ĠFound ers ĠIR GB Ġexact ly ha ul Ġdisaggreg ation ĠAssum ption Ġhomeb uy EFFEC TS ĠIr win ĠDEB T Ġcop y ĠDO J AMEL S ĠAccord ance Ġnur sing Ġbigg est 0 97 D B G S L ENDING M obile P VF P eer i ents p red al er Ġf as Ġl ap ed ed Ġinc omes ly n ĠC PB ab ove ses sing Ġcomp iled Ġdec ides ĠB acked ĠS D ĠS ections ot ola ĠA chieve Ġnon specific and on ĠT X Ġsub tracted ĠM ost Ġall ev Ġcl ub ĠI ps Ġshort ages Ġapplic ants Ġaccount ability AN Y Ġpers ists Ġsw ing ĠRes idual spec ified Ġro om ĠEqu itable ĠLI P Ġrespon ds Ġprevail ed ĠRE POs Rep urchased Ġpriv acy Ġques tions Ġexpress ing Ġbill ed Ġsemi annually pay able ĠUncertain ties Ġscho ols Hold ers under writing Ġcarryback s Compar isons Ġclo ses ĠDefer ral ĠMor rill Inter change Ġasser t Ġappreci ate Ġwater fall ĠCLO s Ġaffirm ative Ġcondu its Ġfurnish ing ĠSHARE HOLDERS ĠMeta Bank ĠDak ota Ġdeserv ing ĠSTR ATEG Ġfas test ĠIps wich A G c hecking n ic an hand Ġre organ Ġw itn ur rence Ġv igorous ĠF A ĠS HORT ĠA U ĠA wards ĠA HB Ġnon owner Ġpre ferential Ġsub sec Ġund ra sen tially Ġup state Ġstr atum Ġdivid es ĠRe fer AS ED li quidity po ols Ġmin ing ak er ĠTr up als on ĠEx pected Ġdis advant Ġpublic ity Ġ17 1 Ġ17 6 ĠIN S ĠAd justed Ġsustain ability Ġdepend ant Ġrein statement eas on ĠK DFI ĠTh om ĠNP A Ġconf idential ĠWest on ĠPu get de lin TR OL ask i Ġoutp ut Mat uring ĠSpecial ty Ġextensive ly ĠAPB O ĠCF O Ġdict ates Ġsolic ited Ġreb uild Ġtermin ating ĠCam den disc ount Ġsupersed ed weight ings ĠHar alson WB F ATEG ORY ĠRem aining Ġprog ressed Ass isted Ġexer ted Ġsn ow Ġoutweigh s ĠLod estar ummariz ed anhand le Ġwitn essed Ġundra wn E stablis I tems M odel P ercentage R ent R ock W arehouse b on m ann r n s pread w orthy Ġ [ Ġm ile Ġinc oming ĠC FG ĠC CDC ol f ĠD TC Ġcon cepts Ġex clud Ġg ar uc ial ĠF FIEC Ġli es ĠA a Ġnon banking Ġam ending Ġrel uct Ġind uce Ġpar amount Ġcoll ars ĠIn land Ġpolic es ĠH en Ġlin ear Ġbr idge ĠW ood ĠUn its ĠTr us Ġanticip ations Ġcap tions ĠCredit or Ġobj ect ĠCD ARs ĠPr airie ĠStand by Ġrein force Ġcomplex ities ĠK LS SB LF ĠRE BC no tional ĠAcc rued SP V ĠPo oled Ġincrement ally Ġexhib its RS L isten cy Ġcontem poraneous Ġsweep s Qual ified Ġsouth western Ġthorough ly total ing Ġbill ing ĠNON PERFORMING ĠRecent ly Ġrank ed ĠEQU IVALENT Ġcompl aints Ġarr anged Ġarr ived ĠCP F Altern ative Ġmail ing repre sentation Ġdiscontinu ance ĠLH FI Ġpiec es Ġcr ucial Ġopportunistic ally ĠIFRS s Ġtroub le Simultaneous ly ĠCed ar ĠCres cent emph is wee k ĠISS UED A U H aving M et R AL T ech c en c ur c ut n eg Ġt al Ġp ari Ġm uted Ġm icro ar kets Ġre occ tion ment un t ĠD FA il ton ĠA ICPA ap pr ĠR estatement Ġsub set ĠM A Ġsal able ĠSt one Ġins ures ric o Ġaff airs Ġatt ached Ġ0 8 Ġstate wide ĠW ick Ġform at Pro vident Ġ18 5 Ġ18 6 Ġbo om lac er Sub prime De velo AB C Ġmis leading Ġintern ationally ĠCar ol Rec lassifications ĠMid South back s Ġlength y Regul ations Ġver sion ĠTA F ĠExp lanation Ġarre ar ĠLand mark Ġdeep en ĠColl ege Ġcomment ary HELOC s ĠDelin quencies Ġoutl ays Ġcomprom ise ĠRelationship s Ġwareh ouses ĠPul aski lu ent Ġunderst ood Ġpas su Ġlang u F lorida F UN G u H ed V est e ach r ie al o Ġf armers Ġp us Ġre setting Ġb acking Ġ2 30 Ġ2 75 le asing ĠC ERTIFICATES Ġwe ighed end itures Ġst ating Ġch urch ĠB arr ĠB ern ĠB akers th qu Ġrec apital qui res Ġun equal Ġun settled ĠN ass ĠL as Ġsub lease ĠM emphis lin ess Ġcommercial ly iden tification su pp usin esses Ġcustom ized own ership ĠV SB ĠV OLUME TI OS ĠAc tive ĠAc tions ĠEx cept ĠAL ES Ġleg itim Ġinter bank Ġwhere in ĠY oung ĠNon controlling Al ong Ġ28 5 BS F Ġbeh ave Ġbond holders Ġconserv atively Ġmand ate ĠCON TROL Sim ulations Ġclar ifications amortiz ing Mon arch Ġunderstand s ĠNB G Ġpipe lines Ġpeak ed Ġbox es ĠAppro val Co ast car rying ĠConnect One Ġdefend ants GO ODWILL Ġskill ed ĠIndividual s Ġinfus ion ĠExce l Ġpres sured ĠGe ographic regul atory Ġexclud able ĠBakers field ĠNass au ĠALES CO Ġlegitim ate B u B ut C RED C ounter L ocal M s O pen P ending d ef e em i ke k ers m ight s urers in as Ġa venues re tail ti tion Ġc er Ġc umulatively ar ations Ġd ual Ġr an le vision ĠC ow ĠC umberland ĠC ATEGORY Ġor ient il der Ġst ance Ġpre mise ĠR F ĠR ose ĠM y ĠM ortgages Ġtr ucks Ġ" - Ġdetermin ants Ġout line ĠG erman Ġenti t ĠV ision Ġal tered Ġel ections Ġauthor ize No tional ĠNew berry omo tive ĠSu pport ĠCal First pre mi ĠSub divisions irm ation De fer Tr ade Ġmis representation Ġte levision Ġem b ĠRE PO Ġcho oses ĠApp licable Ġbudge ted Mon itoring Ġcance led Ġstud ents Trans actions AM CORE Ġdepreci ating ĠTri ad Ġsimpl ifying Ġcoinc ides Ġjus tification ĠPCB B ĠAdjust ment Ġuncollect ability Ġexha us Ġmind ful Ġdev aluation Ġdifferenti ate assum e emphas ized ĠTra ditions Ġappor tionment Ġmote l COMM ITMENTS ĠFrederic ksburg Ġthreate ned Categ ories Ġentreprene urs unt arily ĠCarol inas CRED IT eem able A ICPA B KFC B ANK F amily F inance L ECTED P OR U ses c he d ist f lo w ater y m re pos al ing Ġc andid is her Ġ20 28 le ep ĠD aily ĠD iversification ul ates Ġst ayed Ġco pe ud son ĠB en ĠS W Ġpre sold Ġrisk ed ĠR apid Ġtr act Ġpo ses Ġreg istrant erm anent ĠJ ones Ġspec ulation Ġtrans formation out standing ĠU ses ĠU FSB Ġ30 2 Ġgu ard ĠG BC ĠH art Ġlong est ĠCons ulting reg ular Ġlike wise TE M Ġ19 0 Ġ19 92 pr ompt ĠCon stant Ex ten Ġstaff ed Con cer ontinu ation App rai Ġaccess ibility ĠPen insula Market able ĠCar roll SE LECTED Ġconcession ary Ġresid es TR I ĠPl ant Ġold est ĠTA G ĠAff ecting Ġstratif ying ĠPar ties ĠRock ford MD As Ġtopic s ĠNY SE Strateg y Cal ifornia Ġfreez ing ĠBrook lyn assum ing ĠMin otola obj ection ĠHistoric ally Ġdisper sed Ġarb it Ġdup lic ĠPal is irs Tech ĠContin ental Ġorient ation leep y ĠRapid s F BB G R M axim N e O TS R ever S I T AL Y PE d iversified f avored h ies w ick re fer Ġc ity or ce ro st Ġon es Ġh ap Ġg aug Ġpro p Ġres ignation ĠF HFA ĠF rost In puts ĠB C ortfol ios ĠN LC rent on ĠT YPE ĠR BC Ġtr ial Ġpar ity Ġcoll e Ġcoll ects ĠO z Ġab andon ren ewal ag le fe e Ġ30 3 ĠComm unities Ġsp ring ĠV ers for fe ĠW he ĠW CC ĠUn realized ĠMar ine vest ing Ġaut omotive ĠAn n An d ting ham Ġar ch Ex cluded Ġdistrib ut arge t ĠALL OC Imp lementation ĠIN TERNAL olum es ET R Ġsuscep tibility Ġow ing occ up Ġwatch list ĠCoun sel rem ain ĠBro kerage En vironmental ĠCP G ĠHo llow Direct or Ġdiv orce ĠVari ances Ġremed ial ĠBorrow ing ĠDelin quent Particip ation Ġhomeb uilders Ġsev enty ĠSNB V Ġoutl ay itr us ĠMil waukee atin um ĠDISCLOSU RES Ġacknowled ges ĠCd os Ġconfl icts ĠThom as Ġarbit ration Ġhap pen ĠALLOC ATION D irectors U RE V NB u ff in cludes Ġin appro Ġb orough ĠC he Ġde reg Ġde vic if t ĠComp ar Ġdep ict Ġdec ade ĠF ree ĠS ent ce ler Ġtot ally ĠN ap ĠL ew ĠR oll ĠR SA ĠP lacer ĠM igration ĠI MC Ġrecogn izable ĠRe quired Ġ7 50 ĠG ATE AS T ĠH udson stru ment ens ity Ġ15 3 tes ted Ġform alized Ġref unded Ġ18 7 Ġsel ects Ġdesign ations Ġshock ing eric a Sal em ĠImp ro Ġpredict ability ĠRec orded ĠOr rstown ĠAg ents Ġsum s Ġrecession s Regul ar ĠSe ll Ġturn ed Ġoutlook s ĠAb stract ĠHed ges NP Ls ĠNB T ĠCl ar Hold ings Ġsign ature Ġsyndic ations ĠNA FH ĠFB BI Communic ation Ġappor tioned vent ory ĠPalm etto Ġarm ored ĠAlb any ĠOcc upancy omet own Ġprop ensity D uration U SA e ase s burg t t w hether x ity Ġth in le ysville ĠC are ĠC TB ir a ĠF isher ĠB earing Ġcons c ĠBank Mer ip rocal ĠP RES ĠP ines ĠM ix ĠM PB Ġover time Ġpay day Ġup per ass igned ĠJ anes ĠH ouse Ġless or Ġminim ally Ġprev ents Ġfl ag Ġtechn ologies Ġbuild up Ġrein for ĠRec lassification Ġpe tition hib its Ġill ness burse ment Ġelev enth ĠSh ore Ġtransition ing Ġaccommod ative ĠComb ination comp rised ACT ORS ĠFNB NY Ġautom ation deduc tibility Ġtrigg ers Ġinver sion ĠContro ls Ġpromul gate ĠOrigin ated ĠProm issory ĠSpons or Co verage Ġeas ier Ġreall ocation ĠIden tified Ġcr im ĠWin ton Ġsucceed ed ĠWar renton Ġstrugg le Rem aining ĠCS V Ġtransl ate Ġcondu it Ġreloc ate ĠCOMP ANY ĠEver Bank Lim itations Ġdead lines Ġunil ateral Ġstagn ant ĠJPM organ ĠHal sey Ġscorec ard ĠBankMer idian C enter D efault H omogenous P l c ontro f irmation g oodwill h oods m ulti x i Ġt ext Ġo mission Ġ2 40 Ġ20 29 Ġs amp Ġas cribed ĠC itrus ĠD i Ġh op io ds ay mond ĠF actory ĠB er ĠS L ĠS FSB Ġnon affiliated ĠBank Mobile Ġrec ons ĠT LG Ġcash ing Ġover rid ĠO NB Ġtime liness ry forward Ġaff luent op t ĠH ometown pri or Ġaut os ĠPre TSL Ġ19 88 Ġref r Ġcorrespond ed Ġconc urrence ĠQ CR Comp rised Ġpension s pre sented ĠPlan ning Ġconform ance Ġsupplement ing PER VISION ĠMac ro roll over de velopment ĠPl atinum Ġpledge able RM BS ĠIsland ers sub prime comm on comm unity Ag riculture Ġfundament ally Ġgover ns Ġbill s ĠSched uled Ġtelec om ĠFrank fort Ġsof tened GSE s Ġdiminish ing Ġwar ning Conting ency met hod ĠWin ston REG ULATORY Ġneighbor hoods ĠMS As ĠOpport unity ĠPP NR Ġextrapol ated underw ritten ĠBH G Securitiz ation ĠBern ard Ġinappro priate - " B oston E ARNING R T S ummarized V alues W ay f olk l ake t ude re ign it a st an Ġ20 23 le ts ĠC om ĠD ollar ber t ul ence Ġpro c il ion Ġwe b Ġres ide Ġexp ort ĠB usinesses ĠN EW ĠT idelands ĠL ocal ĠP ers ĠP AR ĠM ahopac Ġpar king Ġtime lines olid ations ns on ĠJ HTS ile y over ability Ġrem easured yp ress el i av ilion ast on Ġiden tity Ġmin i ak ings Ġgr ace ex erc ĠEx tend Ġ19 9 Pro cessing Ac tions Con version Ġsur ge Pre paid Ġsa ve ĠFair field Ġbroad ening ĠInter pretations Ġresid ing Ġmerg ing Regul ators ĠSal em FC H Ġput table sub ordinated ĠGuaran teed Eff orts ĠPosition s Ag ain ĠGovern ance Leg isl ĠExp anded coll ection ĠPremi ums Borrow er Ġannounce ments LIC ATION Ġer od Ġsucceed ing Ġunwilling ness ĠNor folk Ġmirr ors leg acy ĠEvans ville Ġexped iti Ġter rit REP ORT ĠFA IR rn st contro l Ġomission s Ġsamp ling ĠMacro lease C l C ASH P D S ERP T aking T itle b orrow j umbo o oga p aper es ville ing e ar ty Ġ20 38 Ġn ull id ents Ġcon vey Ġfr inge Ġst ale Ġco operative ĠF FCH ff alo Ġnon parallel Ġnon profit ri st ĠT or Ġear thqu ĠR aymond ĠP LGIT ĠP avilion Ġmortg ag Ġequ ating Ġhe aring Ġins ide ĠE VB res pective Ġatt acks ove reign ens us ĠCons istent Ġforec losing ĠW NC Ġunre ported ĠAL T TE L Ġfin es Ġ19 40 ĠCh allenges ĠRep o Ġ18 3 ĠDisc over ĠPr iv ĠALCO s De velopment Pre tax ĠDeposit ory ĠDep reciation Fo x Ġsubd ivided de veloped ĠBu ffalo Ġobserv ations ĠCoun ter US DA ĠGr amm ĠExp enditures ĠChar itable ĠPC M Ġsouth central Share holder pay ing Ġinvestig ations ĠIniti al Strateg ies Jud gments Ġpresid ents Ġderecogn izing attan ooga Ġdisproportion ately Ġmil itary GO banking ĠDav idson ĠProfit ability ĠFi serv Im mediately ĠMagn a ĠXX V Ġincons istent Ġcul tiv Ġturb ulence Red emption Ġinsol vency pred icts Defer ral Ġdereg ulation D ef L ife S ALE U I Y IELDS e id e hicle i kes k ind o a s afe Ġin ev ar ges Ġ20 5 Ġde tected os ted Ġdep ress Ġimp er Ġrel ax Ġmo tion ĠT welve ĠT FC am ore ĠP lace ĠM ajor ĠM MDA ĠM ETR Ġappro ached Ġhe aded Ġfe et ren d Ġstr ained ĠJ H res tim ĠAs h ĠUn registered ), " Ġaccount ants Ġloc king ĠPro posed Ġretail ers ĠBancorp South Comp anies Acc ount Ġabsorb s Ġro unded lan ations ĠOff setting Cons istency see k Ġrun ning Rep utation ĠOPER ATION non performing BC N Ġthough t Pr om ĠCO SB Ġdraw down ĠFo rest chm eid Ġcompens ates comm itted ĠSc ott Ġbenefici aries Ev aluations IF RS Ġinform ative BO C Ġaccomplish ments ĠCOMM ERCIAL Ġnegoti ate ĠRed eemable Ġofficial ly Ġsurch arges ĠBP L trans fer Issu ance Ġdeliber ately ĠIM N Ġpersistent ly ĠOffer ings bro ok ĠSwap s ĠCOR POR ĠElm ira Ġcontemporaneous ly Concer ns chmeid ler A CCR C ent C VB c ombined f avorable g ain g ence g reen l itz n ut r ati u til Ġ id Ġp ick it atively Ġb ounds ro utine Ġh inder if ton Ġch airman ĠS ar ĠS leepy th is Ġnon marketable ĠT y ĠL BI ĠR educ Ġtr ying ign ment ad ow ĠO xley Ġab stract Ġhe s ach ute Ġgain ing Ġaff irmed IC ING ĠRe search Ġcontract or ĠH O ĠH ard hip s RE E RE MENTS ĠV en ĠW ag Ad min Ġgro und par ticip ĠAn ne Ġaggreg ates ĠPro jects dra w Ġtechn ically pro b Rec overy Ġdocument ing Ġbroad en yc amore ĠAcc retion ĠStat us Ġ- . Ġpass ing err ill Ġsuperv ising Ġcommunic ated force ment Sec ured Ġworth y Ġworth less Ġcompens atory Ġdro pping through s eti tion Ġinspec t ĠCl arks WS FS Val ue Ġir respective go al easure ments Ġcompl aint shock ed RECENT LY ĠRed emption ĠGain esville ĠFarm er ĠStr uct Ġreve aled Correspond ingly ĠDen ver So ftware ĠHarr is ĠHun ting Ġadvi ser ĠAlam ance ĠBow ie ĠSD N Bu sey ĠCow litz Apprai sed Ġgaug ing forfe itable stan tial Prom ontory ĠClarks ville A vailability B HC B esides F ore M PS N ine P ig f itable r b Ġ ign re quires Ġc ritic Ġp etro ar king Ġre appr ver ted ter pretation Ġv ic Ġper pet ĠF HB ĠB urn ĠS ever ĠS ER Ġim balance oc hester Ġinv oice ri ed Ġun rec ĠN OT ĠN WBF ĠT ipp ĠL NB old en rec ession Ġins uring ĠI WM ĠU N ĠU rb Ġthere with ĠH uman reas on ra ud Ġdes iring Ġsp an Ad versely tes y Ġ19 6 Ġ19 7 Ġsubst anti ĠLi ke Ġsur pass pric es Ġrein terpretation Ġdra ft Ġuseful ness ĠMat rix Ġbre ached Ġessen ce AC COUNTING ather ing ĠSuper intend Po oled Ġstream lining Ġlook ed ĠDel ta Ġclim bed ament al Ġcour tesy ĠCB NA ĠChar les ĠNot tingham En terpri Ġremedi ate otno tes ĠLE ASES Exp ansion Ref inancing Ġstemm ed Ġinfrequent ly ĠChester field ĠFif teen Ġreve als Correspond ent Ġmote ls ĠDen om ĠHe ad Ġweigh ing Ġrecal cul ĠRA TIOS Ġoverl ap Ġsanc tions Adequ ate Ġlangu age arty Pig ĠCORPOR ATION ĠVen ice Ġcritic ism ĠSuperintend ent B iz C lient D allas F ebruary H omogeneous M VPE O PER P LICATION S uccessful U RES V irgin a ac c ounter d ens f ull v alued y th Ġt ies Ġp uts Ġm ask it ory st able is ters Ġ20 4 ur bs ro c anc aster Ġ3 23 id us ĠC FC ab lo ĠD DA ĠD owners Ġcon serve ac a Ġh ind ig hest ĠF OURTH ĠB erg ĠS en ĠS ius ĠA llowances ors yth am ounts ĠL ancaster ĠR R ĠR MBS Ġsub urbs ĠP as ĠP ercent ĠM V Ġpar achute low er ren a ai sed ĠE FFEC Ġanal og Ġout lets Ġspec ifying Ġtrans formed Ġqual itatively Ġ8 00 Ġrem itted ĠH ARP Ġsp in ĠV eg AP PLICATION ĠPro v ĠCon cer Ġred irected Ġmaxim izes ĠNew port ĠAN NB ĠPr ac Ġro t Ġsubstan tively Ġgrad u ĠImp lementation Ġdirec tions pro v Ġtend ed ĠIs aac ĠAC T gthe ning Po tentially Ġavoid s ĠUp state ĠUp dates Ġstream line Ġposses sing Ġrecip ients coll ec ĠNB H VIS T ĠPar agraph ĠDes ist Ġrecap tured PERFORM ANCE Compar able ĠAppro ximately ĠIntegr ity Ġbur dens Ġevol ved ĠSm artyPig ĠRest oration ARM s Ġinfus ions TRU MENTS Ġpopular ity Ġmotorcyc les Dr amatic ĠLyn ch ĠMer chant pons ibility ĠImpro ving Ġcrim inal ĠTipp mann ĠUrb an ĠSius law ĠVeg as ĠConcer ning C AL C olumb D ocumentation M edi M etro M atching S ingle S chmeidler T esting V oting W BC h ighest v ol v ard w an in el re tained Ġin verse Ġre app Ġb esides ed e Ġ3 63 le ans ĠD ESCRIPTION Ġh ierarch ver aged Ġwas te und ance ĠA rena Ġnon etheless act oring ĠT ai ĠT arget ĠR EC ĠR ural ans ide Ġtr ained ug ene Ġme als our ism As sessing ĠE d ĠE VPE ĠE ARNING ĠE ugene Ġcharge off Ġvol untarily Ġma ker ric om ĠG len ĠH FS ĠH TH Ġsp end Ġ15 2 TI AL Ġunre al Ġdown wards ĠCapital Mark Ġcap ped Ġmix es Ġ19 89 Ġ19 87 ĠCh attanooga Ġcomposition s Ġ18 8 Ġ17 4 Ġ17 7 Ġcollect able Acc ess Con firmation ĠCar rying of I SE GMENT ĠOr leans ĠRegul ated ĠRE POS ĠAll en Ġdeli vers AC COUN ĠCo Biz ins dale Ġperce ptions Ġaug ments ĠWall a ote l ĠGr ant Ġbill ings Ġtigh ten fund s Ġir regular ĠFI MAC Ġreb ate Ġreb ounded Ġexpedi te Ġnorth western Reg ional Rev olving ĠOcean First ĠRen o ĠNor Cal Ġdisl ocations Ġbuc kets ĠFW BS Ġborough s ĠTai wan ACCOUN T B ASED C PI D ade F TB H ancock M IS S hor d efault e ering n ce p assed in vest re serve re ference te enth Ġw ord as ota ol ine il ford any an uc ed Ġad vers ud es und ry und el ĠB ulk ĠB anyan ĠA ir Ġnon operating ĠN e ĠN ature ĠT ender am ed ĠR aise Ġsub group ĠP ossible ĠP SL Ġover statement Ġover stated Ġcoll apse Ġcondition ed Ġhe nce Ġins pected Ġdiscus sing Ġdef ensive ici ans ays ide Ġ15 1 Ġstand s tic le Un favorable Ġ17 9 Ġwithdraw able ĠEn h De alers ĠAr undel Sh ared sh ot MO U ĠNP R Par ticularly Ġturn around inc rease New Alliance termedi ate ĠShare holder Ġconfirm ing Ġsusp ending Ġbenchm arking Ġbeneficial ly Peoples Bank ĠLTV s ĠRo ano ĠGu ilford Contrib utions VESTM ENTS Ġfix ture ĠCl ark Ġsteep ness ĠPar ish Se ven Ġeigh th Ġaugment ing Ġcarryover s Ġdepreci ate Ġwebs ites Ġdiv ide ĠPA ID test ing star ting Inter vest author itative ĠPe er Ġescal ating Form ula ĠFF HI Positive ly Ġtac tical ĠKore a ĠSimp l ĠWilliams burg ĠJose ph season ed Ġtreas urer bo x Ġrad io Ġfeed back ĠRob ins Ġdomin ant URCH ASE ĠBur lington ĠTX UI Ġreorgan ized ĠNap les Ġflag s ĠDi ablo Ġhes it Fore gone ĠSER V collec tible Columb ia ĠPSL RA ĠRoano ke ' ' B V C lass F ort F FIEC Q SPE S usquehanna o es w orking Ġ > Ġin jected Ġm ut om ated Ġb ar Ġ2 15 Ġs ay ic ious Ġ3 64 ĠC AP ĠC irc ĠD we em porarily Ġpro pose ain der end ous Ġst yle ut omated ĠF ayette ĠF ACTORS ĠF orsyth ĠS us ĠA FI ap shot Ġnon earning ĠT im am erica ĠL u ĠR ochester ĠM MDAs ĠSt udent Ġout reach Ġnew est Ġ0 4 ĠH op ival s Ġmin eral ĠOREO s Ġbu ff Ġdis rupt ĠY our ĠPro cess ĠCon c Ġdr ill Ġ17 2 ĠPr imary TION S Ac cept App lying Ġwor sens FHLB NY Ġfunction al ĠRE QU Ġnumer ic ĠPrivate Wealth Significant ly ĠLLC s Be ing New Mil Stand ard Ġprom ised issu ance ĠGr ade entr alized Ġphys icians cho ol TB s MS I ĠMutual Bank employ er Ġtaxpay ers ĠWal nut Ġexclusion s Ġrehabil it Cor us Ġfurn ished REN T ĠFC AL cyc lical relationship s Ġacknow ledge ole te Ġmirr or ĠKe ys ĠMonth s Ġband s Ġexem ptions Ġadvertise ments ĠLees burg Ġlap ses Ġallev iate ĠINS TRUMENTS Ġentit les Ġcolle ges ĠVers us Ġarch ite ĠSent inel ĠRoll forward ĠNOT ICE ĠBerg en Ġhierarch ical Ġmut ually ĠDwe k Accept ing * . A part B uilding D P F ac G MENTS G rowing H FS H VB I BC P u T welve T PS W orking b ig d is e ll t rue z ern Ġ # Ġ iron er ated al ia Ġre evaluate Ġb ulletin Ġ20 8 ro spective rest one ĠC ay ĠC IC ĠC VA ĠC AMELS ĠC ease Ġcon sented Ġare n if th Ġwith held ut h ĠF N ĠF urther ĠS RP ĠA RS Ġprov es Ġun specified ĠT est ĠT SB ĠL abor Ġover ly Ġab undance ĠIn nov Ġrev ising ĠE FT ĠI OLTA Ġout dated ĠU s ĠH aven Ġassess able ĠCons ists ĠCons iderations ever ly Ġenti tle ex ternal ĠCapital South ok ed anu fact Ġel astic Ġ19 3 Ġ19 85 the se ĠPro gressive Ġflo ats arr anted Ġsmall est When ever St ress ule vard Ġdecl arations Ġslow downs ĠSout heastern ĠAr lington Sal le ĠRec overies Ġmagn ify Le ach Ġback s ĠPo ors ĠPl az efin ition ED T comp ared RS T Ġrequest ing Ġescrow s Ġconte st Ġconsumm ate Ġslo ped ĠEQU IP ĠBo ulevard Ġarr ivals Ġnever theless ĠBridge port cont ract Min ority Ġdom inated ĠMill er itt ance Ġeth ics ĠFC EC emphas izing Ġnews paper Gr ades ramp ed REIT s obj ective Ġreloc ating Ġunw arranted mod ified Ġbuc ket ĠDan vers Ġentr ance Ġwholes alers IDEN DS Bl iley Ġreocc ur celer ated Ġproc ure ĠHunting ton ĠLu zern ĠHop kins ĠPlaz a ĠEQUIP MENT ĠLuzern e C row F OURTH I ssue P L P ossible b anc d ict d iscounted d igit e ter h omogenous m art p on u id u its u ters Ġt ic Ġin hibit er t al k Ġl ent st at Ġ2 35 Ġw alk ĠC heck ĠC raw ol i ĠD ivesti Ġg am Ġdec el ĠS till ĠS ycamore Ġcont amination Ġun rated ĠN I ĠT CB am ar ĠR IG ĠP ursuant ĠP IB ten ess Ġpay ables ĠSt atic vail ing As sessments we ights ĠE agle Ġprep ays Ġcar s ĠRe wards ĠH insdale ast a Ġpur ported ĠV ail ĠW y Ġcomple teness Ġforth coming Ġinfl ated Ġform ing ĠAn other Ġred irect AR C Ġrestr ained ĠDisc ounted St ation ĠSub stantially see ks Ġdesign ating Pre sentation pro blem Rec onciliations Rec overability Ġcorrec ting Ġlist ings bs olute MC orp ĠWest chester Ġprepay able oti able ĠSh asta Qu oted RO AA cell ent Ġtransition al Ġincur rence Ġoptim ism Ġcommunic ates Ġlock box ID EA ĠCW S TA F Ġtre m Disc ounts Ġroll s Ind ividually ĠBr in Ġfind ing port ing Ġslo ping Ġsolic iting AM L Ġalign ment Bro ad Sched ule Compar ative ĠTransfer ors EX T Ġpresum ption ĠMod ified ĠMod ifications Ġstop s ĠHar leysville Ġappreci ably Ġvint ages Ġcod ification Norm al Ġbi as ĠParticip ation ĠParticip ating ĠSl ades fo otnotes Cod ification Ġsequ ential ĠFIS CAL ĠRA MCorp ĠCorrespond ing Ġobs olete Ġshap ed ĠPoin ts ĠHor izon CEN TER Ġconve xity QUISITION S cur ve ym met Ġearthqu akes ĠBurn ett Virgin ia Ġtic ket A D B IC C HANGE D TA F P H ill H SA L ine N OL N ASDAQ S ponsored V FG f iscal g reater m its v is re ported he ading Ġin ex ti cell Ġ2 44 anc ou Ġr ail Ġ3 30 ĠC re ĠD over Ġse min ac ing Ġpro poses Ġexp lanations ĠF II ud oun und ant ĠB est ĠB everly ĠS idus ĠA G ari ed Ġsh ip qui re Ġun exerc ĠN umber ĠL amar Ġsub urb Ġsub servicing ater ally ĠM ach Ġsal aried Ġag ed ad dle Ġreg ression Th ir Ġcl ause over able Ġ0 9 ĠG L Ġshort age ĠH omes ens ington Ġeffect ing ĠW FC Ad ding Ġi ii Ġsome time TE N TE RS Ġmanage ments Ġ19 1 Ġ19 5 Ġexpect ancy Ġadop ts ĠStock ton ircum stances ĠDisc ontinued St able ĠSB M Con sent Ġpredict or ĠRec onciliations Ġcontingent ly Ġacceler ates ĠMid western ĠMeas ured sc row Ġpreced ed Ġfle et FC S Des cription Some what ĠMon ticell comp liance Ġgather s ĠBe ginning ĠMo ore Qual ity achu a Ġsol ar ĠStrateg ies emorand a ĠAM T Large ly ĠEl k Ġsimpl ifies Mer ton SO X ĠCas tile ĠRev ol ĠExtinguish ment met ropolitan Wil son ST OCK ĠRem ainder ĠSweep s North west ĠSTOCK HOLDERS Ġhazard ous commit tee ĠHarr ison person nel Integr ated DIS TRIBUTION Ġur ged Met hod ĠHart ford Ġdistribut ors ĠPRES ENT ĠSL TB Ġrefr ain ĠPers ons ACCR UAL ĠHarris burg Ġbuff ers Ġdrill ing Pu erto ancou ver ĠMonticell o F CB G IB H IGHLIGHTS T AN T PP T elec V ehicle W A W I h ome l ot m akers r tle s bury z e in strument Ġm ass Ġd ig Ġlo go Ġs overeign Ġs mart un audited le x le um Ġac re est in end ero Ġdec entralized ĠF au ĠS FS ĠS VB ĠS addle Ġnet working Ġimp ede per ing per form ĠA fter Ġnon refundable qui er Ġfinancial s ĠT BA ĠL CR ĠR osa Ġsub section Ġdisc rim ĠSt an Ġno tion ĠI PC ric al Non recurring ĠH y ra ising ĠV oting ĠW ork ĠUn recognized ĠTr uman Ġfurther ance Ġfl uid Ġhigh s Comm encing ĠPro posal ven tional ĠLI HTC Ġsen se BOR ROWED Ġindemn ity Ġwarrant ing ĠCar ryforward Am ortiz Ġclaim able Commit tee Ġnumer ical ĠInter state ĠSec ured non accretable FTE s Dec rease Ġdynam ically bal ancing ĠCOM POSITION Ġcance l ĠGr and Ġoccasion al Ġspons oring Ġreb ound ĠOrigin ating OC L uarant or ĠPA TRI Ġfroz e IV ATE IEL D Ġprotec ts ĠJefferson ville ĠCorn el Ġinnov ation Ġstrugg ling ĠAffili ates rew sbury Ġcompress ing Ġprog resses ĠHan over Ġlif ted ĠEver green ĠFi restone Ġadvi sers Ġ(+ $ iend a ĠSTRATEG Y borrow er ĠFayette ville big uous Ġtrem endous TAN GIB ĠFau quier ĠPATRI OT D K M oody O hio W AB a el f ect h asis h istoric p ulation r ont s o t ra w rite re table se ver se mb ti pulation Ġc attle Ġre state Ġ2 21 Ġfor cing rest r ĠC H Ġcon stru Ġcon vers ac ed Ġex tr ver tible Ġg one il iation Ġv ir if ts Ġch ip Ġdec rements ĠF SA ĠB BCN ĠS chool iv oli Ġnon forfeitable Ġpre fers Ġrec ast Ġnot hing term ountain ĠN R ĠT all ĠL IN ĠR UC ĠP AB ĠP BOC Ġpar alle Ġno tific ke y ke ley ĠJ umbo Ġaff iliation Ġlin king Ġtw ists umm er ĠV PM Ġop ts overn ight istic s ĠCh ine Ġinter ruptions Ġref orecast Ġbo osted Al most EN D Ġ29 4 Ġintegr ates Pre vailing CB I odd le UN AU Ġinstall ed ĠNP L Ġconf ront ĠSouth land no ted ĠSh rewsbury roll able DI TED Ġmoder ating ĠES F Ġintroduc es comp leted Ġver dict Ġbid der Ġsubstitu tes arp on Ġforg iven des cribed ĠTri Stone ĠEl ectronic ĠRet ained ĠLaw s win ds Ġsy nt Ġreasses ses Ġ' ' requent ly SU PERVISION Ġindetermin able Ġimplicit ly ĠVant age Ġunivers ities ĠPL RMBS ĠTra vel ĠLP L Ġpromin ence Ġsn apshot Emp loyment ĠCorrespond ent Ġdeline ated doc umented ux ury Ġcomfort able ĠCBN V Ġtal ented ĠCarroll ton ĠAnn apolis ĠBer keley ĠAsh land ĠWag ner ĠSimpl ifying Ġinex act DK N Ġconstru ed Ġnotific ations ĠChine se UNAU DITED E m G ATION H H H aw H ann I RED M V N LC R ules S old W intrust c ertificate m easured m arkets r anging t ory w enty in sc al ena Ġc ounted Ġf avored Ġto uch Ġre balancing Ġ2 67 Ġ2 76 Ġlo g Ġn at as see red uction qu artered at ur at able Ġ3 26 le ven ĠD B ĠD ow Ġex ternally ow ered ain ier Ġst all ĠF actor ĠB riti ĠB aa ĠB rist ĠS he Ġsh ore Ġsh ale ĠL essee ĠR ange Ġsub heading ĠP AGE ĠM s duc t ĠO MSR ĠIn termountain ĠSt ren Ġ4 70 ĠE s ĠI X ĠLo udoun Ġgu ides Ġj ury Ġproduc tive serv ed ĠUn consolidated TI GATION reg ional CO B Ġ19 8 Re ports ĠTax ation Ġref res Ġswap ped ĠInc orporated Ġspecial s ĠNew Bridge Bank United ĠIN TANGIB ĠLI TIGATION Ġslow s Ġdisp uted Ġpenal izing Ġcomplex es ware house Ġcounter balance ĠRec e ĠRec lassifications Appro priate ĠReal ty ĠRE FORM Ġrun offs Ġbroad ens Ġillust ration Ġsafe ly Ġden y ah assee most ly Ġ820 65 Ġconfirm s ĠBe ll CON DENSED Ag encies Ġsweep ing ĠSc ot Ġconstr ain ĠMan aging Ġstratif y BO E ĠMethod ologies current ly Repurchase s ĠVol untary Ġrecru ited ĠIR As ĠNY C Ġopt ing pect ations ĠMaster card Ġirrevoc ably ASE L ĠHar Vest ĠRel ating Techn ological Review ing Important ly eth nic ĠDC M Ġdeliber ate Ġcrop s Ġexer t Ġsubsid ized ĠBroad us contempl ate contempl ates Ġvigorous ly delin quencies Ġrecapital ize Maxim um Ġconsc ious ĠTor rey MIS ES Ġarchite ct historic al sever ity ĠTall ahassee Ġnat urally ĠBriti sh A CBB C losed C hemical F all F EDERAL F requently M igration N EW O versight Q F V EN W AM c ence d rew l arge m and p ossible r ight r ather u ed Ġ ed re sent re leased re porting es sentially Ġp ush it ably Ġ2 58 Ġ2 66 ed ical Ġs hel ly le qu arters ĠC ustody ĠC uy ĠC ontinuation ĠC ensus ĠD IV Ġres ili und iscounted ĠS ome nt on Ġrisk iest ĠN RS ĠT CPP ĠT arpon ĠL BSF ĠR SU ĠP TPP Ġreal tor Ġund es ĠM PF Ġass uring Ġunder stated ad just ten ant ivid ing ons ideration ĠJ r Ġtrans lated Ġ30 1 Ġsu ited Ġ0 5 AS SETS ull a ĠH AR gr is ĠV ancouver ak ulla Ġminim ization Ġprev ented ĠTr ade ĠAS S ĠCommit ment Ġcharacter ization ĠY IELD ĠY DKN IT DA Ġsupp lier oles cence Imp licit St ated Sub stantial 200 2 Ġsur face ĠAt t De aler Ġunp ro SR O Ġtend ered bank s Ġformul ae Ġhead winds no vo ĠSh op ĠRES TR Ġstream lined sub stance ĠDef ault Ġtoler able Ġprepare rs ĠStandard ized ĠHigh way Ev aluation Ġscal able eti tive produc t ĠCl ifton Ġcurtail ments ĠAM F Ġnegoti ation ĠBo one ĠTri ple Ġcoinc ident IP C cont rolled ĠMinn e UC T Ġrepe al Ġrepe aled ĠFUN DING ĠLa Salle ĠMerc ed Ġbols tered exp ensive Pay roll ĠBuild ing Ġredes ign ĠENB I Ġdiscour ages Ġobs olescence He ad ĠRF HB ĠMy rtle Ġcandid ates ĠPalis ades Ġinev itably ĠTy gris Ġunrec overable reason able ĠInnov ative Ġgam ing ĠHAR BOR $ . C ap D IN D ESCRIPTION F oll L ondon N or R urban S ize T ri T emporarily c losing f irming r ising u it u ser w s w ri en ith Ġp anhandle Ġm isc Ġl apse Ġto x Ġre balance Ġw in ĠC ontinue ĠD u ĠD FCS Ġh al Ġh ikes us ive Ġwith drew Ġst ations ĠB ry ĠB ASEL ĠA WBC oc ate ary ing Ġrel ocations Ġun res Ġun recorded ĠN E ĠN NB ĠN BC ĠN egative am inations ĠL insc ĠR ivoli are r ĠO x Ġab usive ĠI A Ġout going Ġsour cing ser ver ĠG aston ĠH V Ġemp owered ĠV eter ib b Ġcompeti tiveness Wh at Ġar ticles ĠBanc Shares Ġgap ped pr ivate pen ter ĠInc reases Ġbook ings Ġren amed ĠOF AC BOR DIN Ġsur pl ĠSub prime Ġcover ages Ġfil er ĠK ensington pro prietary Ġconf ig Ġsitu ated ĠAcc ounted ĠSh ine Ġforeg o Ġabsolute ly Ġsuperv isors Ġden o ĠUS VI ĠMain tenance con firming CON O ĠTO TAL ĠGreen Point Ġstratif ies ĠCl aim Ġsteep ened Pen al Ġneutral ize Ġfulfill ing ĠCP R Ġextraord inarily Ġpack aged UCB H Ġsuggest ing ĠWith in Ġprotec tive position ed ĠAnchor age Ġbuyback s ĠLa ure ĠMerc er Ġdev iation Mutual First bro ker Uncertain ty Ġundergo es lock ed Ġmotiv ate Ġdisper sion Ġclean up Ġtri ple Ġdiver ted Ġflatten s Ġvo id ĠMed ic categ or Ġsure ty ĠSix teen Ġrational ization Rever se draw al Ġpetro leum ĠREC ENT ĠRobins on Ġhesit ancy ĠConc ern Ġelastic ity Hill top Haw aii Foll ette Ġunres olved ĠVeter ans BORDIN ATED Ġsurpl uses - , A TIVE C V C CO C LO C ircumstances D L E Y G reater L NB M VE N EXT N FP P red P TE R IC S onabank T en V arying g ent i ter l ight m odeling re financing Ġin expensive Ġl uxury Ġ2 14 Ġ2 24 ed a ed ford Ġ20 6 un c un k as ks le te ĠD etail ac ienda Ġfr ag ĠF igure ĠB edford ĠA EA Ġam biguous abil ized Ġend uring Ġcont acted ĠT NB ĠT LNB lo g ĠM ount ĠM obile Ġreg ime Ġcoll ar ĠSt op Ġstr iving fe es IC IP Ġ6 20 Ġ6 19 Ġ0 70 Ġ9 41 ore l serv ation Ġdemand ed ex cess Ġcompe ted Ġcertific ations Un earned ew itt Li berty Pro per Ġ18 9 Ġprac tic Ġ17 8 ER VE Ch ief Ġequal ing Ġsen d ĠCal culation NB N Fr anchise Ġrein surers ĠK en Ġsecuritiz ing SB IC Ġsound ly Ġback log ĠTrans portation Deposit ors ĠAss ignment ĠSterling South Ġreac tions Ġrecomm ending Ġknow s Ġlook back PA IRED ĠBr anches ĠAff airs ĠGreen b Ġoccasion s En h COMP ON ĠTri Co ww w app ing Ġaccumul ate ĠREG ULATION ĠFB D ĠAssum ed ĠSU BORDINATED ĠBP AS Outs ourced Ġcatastrop hes emphas ize Ġsafegu arding Ġdefend ant ĠLim ited Emp hasis ĠSE PTE mod ification leg al ĠAlam eda Ġmotorcyc le Separ ately ĠSNC s Contro l Pric es ĠAust in Ġreluct ance Ġpus hed Exten sion ĠDenom ination Ġprocure ment Ġconvers ations ĠVantage South ĠINTANGIB LE Ġunpro fitable CONO MIC ĠSEPTE MBER ) ). A storia A aa A DC C omb D ividing H abersham L ATED P CB P CA P ermanent S HARE T D b oard h art p ot r ays he rence en te Ġ2 11 Ġ2 17 Ġ2 31 Ġlo ses Ġinc omp Ġas ymmet Ġr am ge e le vant id av ĠC MSI ĠD estin Ġg olden Ġres igned ĠF re ĠF irsTech ĠF DL um ers ĠB ON ĠS tipulation ĠA WB Ġcomm erce Ġpre re Ġun seasoned ĠT H ĠM I Ġestim atable old t Ġme re ĠSt ar set t olic ited ĠE V ĠE CB ĠE WM ĠE QF ĠE CV acc ounting ĠFHLB A ĠG alena op per ĠH on ĠH umb ĠH acienda av ie Ġprocess ors Ġint act ĠMar cell Ad herence ex cludes Ġcor ner Ġspre ading Ġinter segment ĠPro ject IT ATIVE ĠForm s Ġ25 7 spec ulative ĠEqu al Cons iderations IS A ĠEn forcement Ġconduc ive see able Ġ40 5 Ġshor test ĠFor ge Ġhead ings ĠAl achua ĠRES ERVE Ġproceed ed Ġinf used Ġfree ly ah a Fin al Ġ820 35 Ġheav ier Ġemerg ed enchm ark TA GP Ġuns olicited Ġserious ly Ġ320 35 Ġreti rements IB NR Sever ance plan ned Rel ative Ġport rays Ġcontempl ates ĠIR SA Card inal disc retionary Ġmail ings Ġratif ication Ġasser ts Cal culated Cal culation ĠLiquid ation ĠRel ations Ġprefer able Ġintens ify ĠRV s Ġcompli ment ĠPerson al Dis position NM TC Fed erally Ġtransl ation ĠSl avie Ġshrink age ĠOmn ibus TRU Ps ĠBroad way ĠFrederic k Ġarb itr Ġdead line base line ĠFoothill s Separ ate sim ilar Ġhomebuy ers ĠHen ry Ġarrear age premi um Ġexhaus tive ĠWCC A ĠSell ers ĠCounter party Def icit rati o Ġreappr aised Ġhind ered Medi um Telec ommunic Ġsynt he ĠRSU s Ġram ifications ĠHumb oldt ĠMarcell us C heck D M D ER F iduciary I RS I TEM J uly M ove M aking M MDA M edical R SA S HORT T Y W N W HI a um c ounty c enter f actors h ur l ay m a m el n one u ity Ġt ep Ġt ex Ġt asks re ll Ġ2 32 ec k ent on Ġinc on un ately ĠC U ĠC oddle ĠD rive ow son Ġh app Ġat ten il ene ter ing Ġv oice us ual Ġwith hold ĠF t ĠF irm ĠF VNB In ventory ĠB IC ĠB ucks ĠA lso Ġnon brokered Ġnon recourse Ġha il ĠT owson ĠL ad ĠL AS ĠL ittle ĠP UL ĠP ledge ĠP NFP ĠM errill Ġunder going Ġag ri Ġcoll abor ĠO cal Ġ" ) Ġrev oked Ġins urable ren der Ġ4 27 ĠE asing Ġstr ata ĠU TBs ves ts Ġrem it hed ging Ġaff idav Ġagree ing Non covered ĠG E ĠG olf ĠH B el f ĠV er Ad vantage ticip ation tes ville vers us Ġfl ight Ġaccount able ĠAn ticipation Ġmix ture Ġ19 74 ĠRes ult ĠVal rico ĠQ A LI ABILITIES ract ually Comp utation Acc retable Ġsett les Ġsur passed Ġsenior ity Ġfinal ization AB S ĠCont rib ĠCar mel Off s ĠReal tors imp lied ĠInter change Ġlegisl atures ark ed Ġfacilit ation Ġmanufact urer ĠAb ilene Ġafford ability con version ĠSc ope ĠGr anted Ġphilosop hies Ġpop ulations fund amental Ġrecre ation Ġrenov ated ĠFB CC ĠFB EF PR ICING ĠRT s Review s Ġdifferenti ated ĠPL ANS ĠCharlot tesville Vol cker ĠAB MD ĠTC T Ġvisit ors Ġskill s Supplement ing FT P Ġlay offs Ġplaintiff s Call able rece ived Ġresc ission Ġattend ant Ġexem pted Ġsubsec tor Establis hing bon us FUN DING ĠPlant ation Ġduplic ate Ġnull ifies Cent rue Admin istrative Ġvic inity Metro Bank ĠTim ber Ġunexerc ised ĠMach ine ĠStan ley semb ly ĠEs sex ĠNE PF hur st Ġtep id Ġhapp ens ĠLAS G ĠPUL SE ĠOcal a ) ) ) ), * ) - %. A uthor C PF D s E lements J ust M E P osition S eason g athering m ake n ow x ii in ey al a Ġf os Ġf ires Ġm emoranda Ġl earned st abilized Ġ2 26 Ġ2 22 ic hes un adjusted at astrop et a le veraged ĠC ro Ġde grad ĠD omestic ul ing Ġex changing os tic Ġpro forma Ġv ig ĠF DI In struments ĠB enchmark ĠS endero Ġ( -$ oc using Ġrec on pec tives Ġun an am pton ist on ist ant Ġsub scrib ĠM ission ĠM ultifamily ad en ĠO s Ġequ itable ide lines ĠSt rong Ġtime line all ocation Ġins ights ai ser ĠI SO Ġcustom arily ile ge Ġrem ix ĠG iven Ġadv ancing ĠH ay ĠH UD umer ous Ġsc ored ĠAs ia ĠW akulla pport unities ĠMar sh Un recognized CO LI ĠAS R Ġiniti ates Ġi GObanking Ġ19 2 acter istics Ġdis rupted ĠRep lacement ĠPro posals Ġpers pectives Re quired Ġperson ally Ġrestr aints Ġamong st LI HTC Ġdistrib utes Ġspecial ly Ġspecial ize Ch allenges month ly Ġsatisf ies Ġdesign ing Ġdesign ee Ġ29 6 BS LO Ġfil ers ĠK aiser agn ostic of ten Ġmagnit udes CE O Appro vals ĠOr land CC DC LO OK UN ICIP Servic es ĠRE PRICING Ġnonc on Rep ric Ġstress ing Ret rospective ĠStat utes ĠSe ven ape lo ĠGen oa ĠAdmin istr with out ĠGovern or Fl ag Ġprevent ing ĠCommerce First Rel ationship ĠDes cription ĠSENSITI VITIES Ġreplen ished ĠMAT TERS Ġcontempl ation Ġcontempl ating ĠDeterior ation Ġanti trust Ġpack aging ĠInvest ing ne utral ĠGulf stream Ġoccup ying ĠOce anside ĠHam ilton Ġstip ulates ĠBP NA Is land Ġmedall ions UT LOOK Ġdifferenti ates ĠCA UTIONARY Dis posals ĠGDB F ĠSimp ly Recogn ized ĠBuild ings Ġcompound ing ĠDan ville Ġprecipit ous Ġexped ited ĠFlo or Out look Ann ually Ġstag g Ġinstrumental ities rip tive ĠAU MA Counter party ĠRose ville ĠSW CB Ġreinfor ces Ġadvers ity banc o Station ery Ġdig ital Ġdegrad ation Ġvig il UNICIP AL ) "), F HA H ousing I REMENTS R epos S D S yn T HE e per f raud h our m akings r ant s wap Ġin ad te sts en tered ing ham ar on Ġ2 12 Ġ2 90 Ġ20 7 Ġ20 9 ro lling Ġn iches ts ville at ters at uck im ously le tion ĠC a ĠC r Ġde eper ĠD iluted ĠD efinition Ġse w Ġcon cluding Ġex its ver tent ance llable Ġcomp ati Ġby pass Ġst akes Ġlos ing ĠB F ĠB ack ĠB EN ĠB MC ĠB efore ĠB aker ĠB ayside ust rial Ġnon discretionary ĠBank card Ġun aware ĠN els ĠN ext ĠT BC ĠR abbi ĠP ower ĠM any Ġpo ised Ġall otment ĠO l ĠO WN Ġpos ing ag er Ġma kers Ġ9 39 ĠH IGHLIGHTS ĠAs sembly Ġsp urred sid ers ĠV BI ĠV olumes ĠW au Ġgr ain Ad equacy Ġreas sessments Ġsumm aries Ġcomb at ĠEx hibits Ġform ations Ġexpect ing ĠCh ap Ġinter related Re investment Ġref ines Ex plan Ġflo ods Ġ18 2 min ority Ġsupp ressed Ġlast ing Ġadmin isters Ġsuccess ion Res ulting ĠDeb it ĠLI ABILITY antit atively Ġwithdraw ing pre payment App raisal ĠInd ebtedness ĠCar lyle ĠCar penter Am ount Ġexpir ations Stock holder Ġresid ent Ġelect ric Par tial ĠSh aron Ġcomputer ized ĠUS ES Ġjo ining Ġperce ives ĠRO AE Ġunexpected ly Ġobserv ation Adjust ing Or der ĠEv alu Ġunfore seeable HA MP ĠMe zzanine Ġascertain able SPE CIAL disc ounts app ear br anding ĠDis bursement Ġdisaggreg ates ĠBOR ROWED Multi ple Char itable EF IT Ġdefen ses Ġendeavor ing aug atuck ĠHun tsville COMM ERCIAL ĠElizabeth town Ġgranular ity Ġtown house ĠDo es Ġtreas uries ĠWilliam son Ġround ing Ġenjoy ed Ġstag gered LOSS ES Ġbound aries Ġamid st Ġdisadvant age Ġmile age ĠTrus tee ĠBarr ington Ġemb arked occup ant Ġthin ly ĠPriv ilege Ġimper fect Ġid led ĠSar asota ĠStruct ure Ġperpet rated OPER ATING ĠREQU IREMENTS anufact ured stat utory ĠPRESENT ATION SHARE HOLDERS Ġunan imously Repric e Ġinad vertent atters on ĠNels on B HI C ypress D F G erman G REG I PO L TEA M anage N CDC N umerous P VE Q SBL S NB T op Y CB a an b u c laim f uture f orec g n h igher m n m ans o used Ġin eligible er dale Ġm iles ar tile Ġ2 42 is p Ġs ides ic ations ill er Ġr abbi at ton et ric ĠC row ĠC IS Ġex emp us tice oun cing Ġco al Ġper cen ut or ĠF K ĠS R ĠS EL ĠA utomobile ĠA nton th rop th ousands ap sed ang er ang le Ġam pl Ġrel ig ĠN eb ĠL aud ĠP HH ĠM ax Ġtr adem Ġunder served ign ations Ġcoll ege rec ision Ġeconom etric Ġ4 75 ĠE TR Ġinformation al ĠJ ustice Ġtrans itory ĠU LTEA Ġactiv ation res hold res ident ĠRe insurance Ġmargin ed Ġ0 1 Ġ0 7 Ġadv isable ĠH ewitt ĠH isp gr ades Ġann ouncing osses sions tific ial ecess ion Ġunc lassified Ġcompe ten tic k Ġcomb ating Ġ19 70 aw s Ġar tificial Ġinter relationships Ġsummariz ing Re quirements ĠStock mans Ġpublic ations Ġbuil ds Imp airments Ġthem e Ġaccept ability ĠSB LOC Ġsustain s Ġwork sheet ĠCont ra Le ading cost s Ġback up imp l Rep ossessions ĠCON DENSED Po ols Po inter ĠCity wide eff iciency Ġvac ated Ġramp ing SF L US T ĠCB H ĠOB A ĠNB B Ġforma ts Ġstratif ications ĠMB T Ġchief ly En ergy Ġnecessit ating ĠLake ville Invest or uarant ors ĠCan aan cont ributory app licable Ġcancell ations ĠREG ULATORY ĠQSPE s ĠCost a ĠLa Follette Ġescal ated IR LCs Ġunivers ity ĠAnd erson Particip ating Particip ants ĠStr uctured ĠRef e Ġzon ing Ġlad der ĠIND US ĠGold en Ġrecal culated ĠMiddle sex Ġtroub les EAR ING ĠOpport unities reach ing WAL A Ġpure ly Prov iding ĠAH FC Gu idelines ĠBC TI Ġdevic e Ġoverrid ing Ġterrit ory Ġign ores Ġsubstanti ate Ġanalog y ĠCirc le ĠElk hart ĠMinne apolis atastrop hic ĠBEN EFIT ĠEvalu ated GREG ATE ĠCIS I ĠSEL ECTED ĠAnton io ĠLaud erdale ) ") A wards C ass D O D iversification E s I OR L HFS M ar O blig P CBB S antander S till a us a ults c ap p lac r d t ree Ġ row er ry Ġc ounts Ġd rew ll i Ġ2 41 Ġ2 65 Ġ2 78 Ġ2 99 is alia Ġw rong Ġr and le b ĠC RB ac ies Ġ31 7 Ġpro pri Ġexp orts end ers Ġasse mb oun der Ġco oper ĠB a ĠB VF ĠS uccess ĠS helf ĠS TEL Ġimp orts ĠA IM Ġinv oking ri a Ġun at ĠT ul ĠT ricom ĠP AST Ġreal igned Ġcash ier Ġab rupt Ġ" . Ġdisc rep ĠSt rip Ġup front ces ses ĠE BI ĠE lim up s ĠRe ward ĠH all ĠH CC av ig Ġtw ist ĠV isalia ĠW B ertific ation ĠMar ion TI B Ġcompe tent Ġapplic ability Ġ19 82 Ġdis m Ġdis ap ĠPro xy ES TIM IN VESTMENTS AR GE Ġnormal ize Ġsystem ically ĠPolic es sec uritiz Gen er Ġro ad Ġro yal Cons umers pre sent Ġsti ff Ġ28 3 Ġrede velopment ĠInd ependence Rec ourse ish ing ĠTh reshold UR N ĠWest america Ġconsolid ates ĠMac on IE BANK Pr inting inc hester tr ained ĠMon te ĠPac Trust ores ville appro pri TA G ORT G Citizens Trust FF E Ġexamin er Ġexpl aining Ġdi agnostic cons ists ĠCent re Ġconstruc tions ĠNB M Ġdistin ction Ġmembership s Ġinspec ting Ġinspec tors Ġdam aged ĠLeh igh Ġfulfill ed Ġfulfill ment Ġalter ations Ġexcell ence South side ĠX I Reduc tion br anded ĠEur od Vari ations Ġrollover s ĠSC VB Organ ization ĠDec atur Ġdeliber ations ĠWar ren ĠBANK S Ġgrandf ather Ġcomprom ising Ass oci Ġneighbor hood Ġdiver gent Ġsuccessive ly liquid ation ĠDo ug Ġsanc tioned ĠAust ral ĠAH F ANS AC Ġdisadvant ages Ġgar n week ly flo or ĠBernard ino ĠCom Banc Ġsurpass ing Ġgradu ated Ġreapp raisal ĠBrin tech ĠMedic are Ġ070 24 Ġmere ly mn ibus Ġpercen tile B ay C as E astern E ligible I lli J anuary P FC P ledged T ree T CE W FL a f a ver e fficient f are h om m ing t ue t rends t rend w hel Ġ ] in ct in verted re ast re sentation Ġc ent en tially Ġm ild Ġl acking om en om is Ġre issuance Ġ2 23 ro y Ġon set Ġon to ĠD ib ĠD ite ow ard Ġh ards Ġh ars Ġac ute Ġcomp uters Ġv ib us ion Ġwe l Ġper tained Ġsec onds ĠF R ĠF BSLO In tern In dependent ĠB W ĠS P ĠS om ĠS ch ĠS no ĠS afe ĠS eason ĠA utomated ĠA bsolute and o Ġha mp ri ental Ġun inter ĠR ET ĠP ending ĠP IC ĠP MI Ġunder statement Ġover collateralization Ġover whel ĠO verse ĠO UTLOOK Ġab reast Ġmat ric ĠIn v Ġpay er Ġpay ee rib utable ĠE ARN ag ree Ġout right tif ies Ġqual ification Ġrem odel ĠG ar Ġbet as loy d Ġoblig ates op ened lic ity ĠH FF der iv ey ond ĠAS B Ġref urb IT T Ġorgan ize ER RED spec t Ġresol ves Ġtransfer ability Ġexchange able riter ia Ġrein vests wh o Ġreposses s Ġten or Ġcounter cyclical Ġadvance ment loss ary SB C Ġsuper storm Spec ulative Ġconform ed ĠTrans ition Ġoperation ally Ġadministr ators RO AE Ġstatis tic Ġmoder n TR S Ġden ial Ġdil ute ĠBu ilder ĠUS GAAP ĠRO AA TA X Ġcle arer ĠPres idents Ġsolid ify Ġpub lish ĠBr and ĠRo bert Ġsudden ly ĠBlack sburg IB EX ĠTR ANSAC Ġinform ally Ġforg ive Ġexcessive ly Ġascertain ed Ġalter ing SPE s ĠTe ller Ġvis its Own ership ĠX enith Exp anded Reduc ing Ġhospital s Ġreward ing Land mark ĠCle ar Margin s ĠSur render ĠThrough out car ry car ried Issu ers ĠPRE MISES Ġencompass ing refl ecting Uncertain ties EFFEC T ĠWorld Com Ġunw ind ĠHe ights Members hip Ġdatab ases Ġattain able ĠBar n ================ ================ Adequ ately Dr iving ĠPOS ITION Ġshap es ĠPoin te ĠGl ens jud icial Ġcalib rate Ġhomebuy er ĠTrus tees ĠStone gate Ġtransformation al ĠOz ark Ġmortgag or Ġrelax ed Ġground s ĠEFFEC TIVE ĠCornel sen Ġvir tue ĠDIV IDENDS sett lement ĠHay market Ġinadvertent ly Ġrand om Ġgarn ered Cas cade hom ish ĠDib oll ĠDite ch ĠSno homish Ġhamp ered Ġuninter rupted Ġmatric es ĠEARN ED A uction E PA F arm G ateway I r I owa L ag M N O VA O pportunities R atings Y E c ino d ividend f ifth g ross i ans r iving r aska in om in iti st ressed Ġre evaluates Ġre iter Ġ2 19 Ġ2 39 Ġ2 55 Ġ2 88 ro ad ro kee as ons red uced qu ee Ġ3 69 ĠC ab ĠC ond ol o Ġse s ance ment Ġg lo Ġv ests Ġco gn ĠF inancings In termediate um son ĠB oth ĠB FI ĠB ibb ĠA IA ĠA OCL Ġ( - Ġacc ords Ġnot ing Ġun stable ĠN CB ĠN itt ĠN CDC ĠN SBC ĠL BP ĠR TC ĠR SL ist ance are a Ġtr ain Ġen roll ten ts Ġrev ital Ġcondition ally od ay ys tem Ġlow ers ĠE aton ĠE rnst Ġtrans mission Ġlevel ed Ġone time ĠH erge Ġdef ect Ġal igns Ġminim is Un observable Un insured ĠEx it ĠAn aly Ġel apse Ġexam s Ġdirect ing dra wn Ġred efined Ex tend ĠRes ponsibility Ġprac tically Ġcard holders Ġ25 3 St r Ġunf air Ġabsorb ing EC L ĠEn cino Ġ26 2 Ġ29 1 ĠPlan ned Ġhere to ĠRec oncil ĠPurchase r Cont ractually Sh arp Inc lusion ĠAC MG ind irect ind ustrial Ġconf ined imp acted Ġbroad ened Ġdeal t Ġlegisl ature ĠFIN RA conom y Ġlead ers BC SB DI V ĠQu oted Ġcentral ization IM T comp uted Ġjo in TA IN Ġoutp uts Ġuns atisfactory PEN S comm ission ĠMo oresville Ġmismatch ing Ġcorrel ations Mon etary ĠExp and ĠSim ilar ĠPC CI ĠGu am Ġjudicial ly Ġgas oline Se lling ĠSched ules AM P Ġwai ve Ġdisag gregate Ġreconcil ing Ġreplenish ment Use ful ĠWith drawal ĠDor chester ĠAuthor itative Ġdeple tion Ġreall ocate ĠSU BI ĠDay ton Ġdev aluations Ġcr ude ĠPeriod ic Institu tional ĠMin imum ĠDelin quency ĠIBE s Ġsacrific ed Ġ======== == Ġinj ection ĠExce ption Ġoverl apping ĠHealth care tech n Pric e DB EDT supp ly supp orted Ġexpediti ously restim ates Enterpri se ĠWy oming ĠLaure l SNB V ĠNeb raska Ġhars h Ġvib rant ĠOverse as inom ial ĠNitt any ĠHerge t ĠReconcil ing ) / ) "). A F B ofI C M E scrow F M H ENS I VE K Y L A L RA M acro O H O ce P aid S pot T ower b ally c ustody f th f inancings i tem k o n atural p ir p ortfolio p urchasing s atisfactory t welve re verse Ġc irc en port or ial Ġf ounder Ġre assigned Ġ2 43 ec l Ġw at Ġw rap Ġ20 2 Ġs quee un s at tice le wood ĠC iti ĠC LTV ĠD own ac es Ġis lands Ġac adem Ġg ift Ġpro position Ġres istant Ġfr iend ig ger ir ts ĠB on ĠS w ĠS ut ĠS TM ĠS ARs ĠS AG ĠA P ĠA v ĠA AB Ġnon tax Ġnon accrued Ġpre emption iz ant ĠT AL ĠL ock ĠR ow ĠR ecession ist ries rv ine ĠM t Ġcash flow ad ia ad ditional Ġab ate Ġab normal ĠIn stallment Ġmon op ĠI ra ĠI rvine IC A ĠRe lease ĠRe ported Ġ0 76 Ġperform ances Ġ7 20 cal ls ĠG CB ĠG MB ĠH AMP RE HENS li ant Ġmin istries ĠW ash Ġunc ont erg ing ĠMar tin ĠTr ue ĠAc quiring Un amortized Un disbursed ĠEx ceeds hes da Ġsubst ances Ġcharacter izes the re wel fth Ġmulti tude Ġred undant Ex pectations AR I ars aw Ġdr ives ĠInc rease Ġpred is Ġoption ee Comp leted Ġmultip lier Ġpurpose ful Ġ28 4 Ġ27 3 App lications Ġprote st ĠPen land Ġhere after ĠK it Ġsa ves sc ription LE D ĠSouth Bank Ġrever ted ĠAcc rual SP A AC QUISITIONS PS LRA eg otiable arb ridge Ġhypothe tically fact oring inc orporated ENT URES Ġce leb ĠWh ose Impact ing ĠMon etary price able ĠApp raisals Ġnotice able comp liant Ġver ifying ĠFNB C ĠMargin s Term ination Ġeviden cing Ġinsufficient ly ĠPR IVATE ĠHed ge Ġcance lable ĠTerm ination Not ably Ġfix es co upon ov a ĠBranch ing Liquid ation ĠSun Coast Ġdedic ation Ġarr anging ĠESTIM ATED Ġrenov ate Lease hold Altern atives ĠEng lewood ĠLaw yers ĠImpact ing RP G Ġmail ed UE FC ĠFB P has izing Ġsurv ive Sens itive Refl ects ĠSol on Ġcontact ing WM G ** . Ġcorrobor ate ĠIM G Ġfill ing Ġfill ed refl ects ĠTra dition Ġstrugg led Post retirement high ly Ġcomprom ised ĠDav enport ĠLegisl ature Ġimproper ly ĠDEB ENTURES ĠFlo rence ĠLess or Ġentr ants Ġengin eer ĠER IEBANK Develo p Hed ging ĠOz arks ĠChe rokee Legisl ative prob ability ĠSen ate ĠEnh ancement ĠSus sex ĠDivesti ture Ġsemin ars Ġship ment RIC s Ġprere quisite opper mark Author itative ĠFDI A ĠMarsh all ĠMax Safe Ġcompeten cies Illi quid ĠTRANSAC TIONS Ġcogn izant ĠTAL F REHENS IVE Ġuncont rollable : / ; "). B EARING C op C CB E ight F ew L ake L enders M easurements N PA S NC V ANCES W all a rest b enefits d on d ig d aily g ains k en k irts n m r or s lo v aluations in ety Ġt welfth an burg Ġc ures Ġc hem en terpri Ġl attice Ġre issue Ġd est Ġ2 37 Ġ2 46 Ġs av Ġs po ro g Ġn avig qu itt le ad ĠC UB ĠD CB ĠD RP ĠD istributions Ġ31 1 ver ages ear lier uc king ĠF urniture ĠF ountain ĠF EDERAL ĠF loyd In sured In ternally ĠB S omm ercial ĠS OLD ĠS apelo Ġimp ossible per s th ose Ġpre cludes and ler Ġcons ulted Ġqu antitatively ĠN ine ĠN SD ĠN augatuck ĠR ise ĠR FC ĠR RP ĠR ainier ĠR umson ĠP an ĠP ow ĠP lus ĠP ortfolios ĠP UEFC Ġtr aff Ġtr ucking Ġen rolled ld ine Ġne arest Ġreg ain ĠO P ĠIn f Ġob server Ġgener ic ĠJ HI Ġtrans form Ġlevel ing Ġ5 34 ĠU tic ĠRe ading ĠG il AS B cul ations Ġlong standing Ġlin k ĠCons idering sidi ary ĠW arsaw TI TA Ġinvol untary par ity Ġ19 4 Ġar t AN TITA Ġinter state ĠPro jected Re vision Ġestablish ments Ġstruct urally Ġmultip liers ict ory ĠAd option ann ounced Ġbroker ing iqu es Ġdepend ed Ġretain er Ġouts kirts Ġles sens Ġhere with Ġmis ses pro f pro spective CF C ĠPurchase rs ĠNorth brook COM PARED Ġconform s ĠRE MIC tib les Ġrule makings Ġnonc ommercial Rep o asses s Ġled ger eg otiated ĠCo ok Ġimpair ing be ing Pr udent inc reasing Ġvalid ating ĠGen ala MB R ĠCol quitt FI RST Ġsusp icious fr ame ĠBe i Ġprom ise Ind emnification Ġrecip roc part anburg Qual ifying ĠOp eli VES T Ġk iting coll ected Ġsol vency Ġresum es Ġdistinct ly Ġnomin ally Trans fer Ġsign als alm outh Ġinvestig ate ĠNY CB Ġclo ud ĠBO A Ġasser tion Ġcat aly Ġstip ulation targe ts PC LC Ġdevo te ĠStatis tics ĠLim a ĠLim its Ġneigh b Ġcoordin ates Ġinj unctions ĠFHLBP ITT ĠAmortiz ing Cod orus ĠNBI G Ġswitch ing Staff ing let on Ġengin eering sim ulation Ġconve ying Ġdampen ing ĠResidual s dist ressed dist inct ĠLew is ĠReduc tion BHC A ĠUN DER Ġunreal izable Shor tening Ġsubgroup s Ġaren a ĠCraw ford ĠHy de ĠNR SRO Ġstall ed Ġfrag ile ĠMI ALCO Telecommunic ations Move ments Position s ĠOWN ED Ġelectric ity forec losure ĠRefe rence ESTIM ATED ĠAustral ia ĠSP V Ġglo bally Ġwat ched ĠIra q Ġpredis position Cop ies Ġsav ed Ġtraff ic ĠUtic a ANTITA TIVE ĠOpeli ka ( *) ) %. : " A ircraft B eyond C ER E CONOMIC F actoring G VA G uaranteed H IC K ent L ender M PB M SA N V P age P NCI R ights b orough c an c ustomers d irect g rowing h ad h omes i ances r ational Ġin sensitivity se as er ation Ġc ess en gin Ġp ull ar ke st ory st ress Ġb asing Ġ2 16 Ġ2 38 Ġ2 45 Ġ2 56 Ġ2 77 Ġ20 3 Ġ20 39 Ġs undry ic als ic ks un realized Ġ3 42 Ġ3 66 Ġ3 98 Ġ3 83 ĠC orporations ĠC TC ĠC TD ac ity Ġ31 5 ver t Ġg olf Ġcomp ile ĠComp uted Ġch apter uc kee In dic um ina ĠB end ĠS y ĠS et ĠS uch ĠS ach ĠS tern ĠS Rs ap ped ĠT T ĠT ourism ĠP anhandle ĠM el ĠM itigation ĠM ORTG lin ked ard ville Ġover seas ati tude Ġab road ten ce ke gan Ġregul ating Ġob sc ĠJ UD out ine At tracting Ġ8 42 Non current up led ĠG oing ĠG ROW ĠH ale ĠH ern ĠH erald ack et Ġstat utor Ġbr acket ĠV BB ĠW inchester ĠTr uckee Un d Un collected Ġsimilar ity ĠRep resent Ġwhere with art ments ĠStock s Ġretail ing Ġ25 1 Ġsl ump St udent Ġsett ling Cons olidations ĠAd verse Con ventional pre ads Ġ28 6 Ġ26 1 ĠAr ticle Ġintegr ations ĠDeposit ors pro jected Ġdeduc tibles Ġpe aking ĠAugust a Ġcorrec table Ġgrant ors ĠWest bank ĠWest lake Ġmid year Ġstabil izes ĠReg ency ĠOwn er non covered Refer ring Ġpredic ts Ġconsum ed ath am Ġdelay ing ĠUp per tr active VIE s Ġknow ing mit ting Ġposses sed ĠHaw k Disc retionary Ġprogress ing gap s Ġcond o Ġcour ses ĠBr uns ĠCor al ĠRule making Ġpayroll s ĠEm erald ĠChar acteristics intend ed Ġ740 25 Ġcas ino Ġfarm ing Se gments Special ty Ġreli ably En ding ĠAM L ĠTri angle Super ior Ġtermin als ĠCam b Ġdesir ability Exp anding br anches Mod est Ġeas y ĠMoney Tree iam ond ĠWal ters FNB PA ĠFF KT ĠMc C Ġwish ing Ġpromp ting ĠGold man ĠSE GMENT Ġmotiv ated Ġredes igned Ġencounter ing Residual s Ġseem s Ġunil aterally Ġrender ing ĠCC IC ĠLees port Aff ecting CEN TR Amer iServ grad ual Ġreluct ant Ġarrear ages Gu idance Pl ans Legisl ation Ġerod ed ĠHO ME particip ating Ġword ing Ġrefres hed Ġtox ins Penal ties COMPON ENT Syn dic ĠWau kegan Ġassemb led ĠEurod ollar Associ ated Ġses sions ĠAv on Ġchem icals Ġreciproc ating Ġneighb oring Kent ucky ĠCTD OB ĠSach s ĠGROW TH Ġstatutor ily Ġwherewith al ĠBruns wick B ack C ross D E D DA D airy E IC E rnst H oliday M anufactured R ussell c lusion e ed g uarantors h u h ai h ousing j ections m id m otel s or s sed s ville s impl t ton w hic in ts re im he ver on duct te aser se ling al ton Ġc he Ġf ierce Ġp hen Ġm ountain Ġl atitude ar ted st ates Ġ2 13 Ġ2 27 Ġ2 34 ur poses ic on Ġinc lined as i Ġr ich Ġth ru Ġ3 37 Ġ3 38 Ġ3 85 le v ĠC HANGE Ġde fe ol ia ĠD alton Ġcon ference Ġh oused ter y Ġv ect Ġco tton ut her ĠB M ĠB erks ĠS DS ĠS hel ĠA IDEA Ġnon standard Ġsh ut ang hai ri ers ri stown Ġun reasonable ĠN egotiable ĠL uc ĠR og ĠR amp ist a Ġsub mits ĠP a ĠP WMG ord inary Ġpar ks Ġover supply ĠO ABC ĠIn siders Ġtim ber Ġdisc ontinuing Ġhe igh Ġup tick Ġins ulates ĠE ll ĠE IC ĠI m Ġcharge back Ġspec ulate Ġqual ities Ġ8 40 tern ative Ġspecific ations ĠG A ĠG o Ġadv oc ĠH CB av an Ġsc re ĠCons ult RE A ĠAs sured Ġsp ur ĠV ista ĠW as Ġprev entive Ġaut onom Ġel apsed Ġfin e ON G ĠCh atham ĠY NB Ġdesc riptive Re levant Ġconver ge EN CI TS P itiz en Ġke en rement al Imp recision St atis ĠEn ergy ĠServic ed Ġouts ources Ġfinal ize Ġ27 2 ĠMarket able ĠMarket place ĠInd efinite Ġ40 2 FS C Rec ru Off icial First Bank ĠDep artments Inc remental UN ITY ind ic ĠPrivate Bancorp Ġillust rating Ġmid stream Ġrest ating Ġsubd ued ĠSh anghai Ġenc umber Ġreclass ifying SA FE ĠAssoci ate Ġcommunic ating Up dates specific ally deposit ory ĠFNB G Ġintermedi ation eff orts pos ures ĠCOM PENS Ġprepare r con n Estim ation ĠGreen wood Ġscal ed Second ly Ġsteep en Government al Ġrecap tures Ġir rational Ġreb ates Ġreb uilding Ġvis ible ĠQUAL ITATIVE Ġsupersed e ĠNA ICS ĠMor ristown Ġoccup ies ret t Techn iques Ġciv ic ĠProduc tion Ġrenegoti ate ĠNor Crow ĠPI K Ġreaff irm ĠParticip ations Ġlif ting commit tees fo ot Cod e FH FA ĠMagn olia Ġthreate n Ġdisagree ments ĠFW BC ĠFM DS Ġwholes aling Ġrad ius Forec ast Hed ge Ġdevic es Ġexpediti ous ĠPrac tice invest or ĠCay man ĠFN FG Thir ty ĠGL BA ĠRevol vers STOCK HOLDERS ĠHarrison burg tra ordinary ĠCH ARGE Ġmisc onduct ĠOx ford categor ized Ġasymmet rical Ġwithhold ings ĠAdministr ator ĠFK F ĠInv olved Extend ing Ġfriend ly :/ / Ġnavig ate Ġcess ation ĠJUD GMENTS whic hever ENCI ES ĠCOMPENS ATION ĠNorCrow n . ") ; " ; ). = . A IA A verages C ity C ENT C ongress D el G NB I RA J ack N ara R ush R UC S un S ENSITI V Ms W arrants Y EAR c a c l c orporate h arbor n ame o ptions o tic r ide r ative v alues z ero Ġ ide in ternally Ġo ve on al Ġc ounting en se or ated it ol Ġ2 69 Ġe qui un i as ance et ter Ġ3 44 Ġ3 32 ĠC BSI ĠC oppermark ab sor ĠD ra ĠD orado ul ating Ġ31 2 Ġh ur Ġac quir Ġv es Ġres ched its ap ĠF erry In ten ĠB ush ĠB orel ĠS I ĠS hen Ġimp ending ĠA lo th aca ap ture Ġnon qualifying Ġnon statutory oc h form ity Ġun intended ĠN H ĠN FS ĠT em ĠL A ĠL loy ĠL ocation ĠP or ĠP ledged ĠP urpose ĠP SC ĠM ember ĠM ari ĠM otor Ġover ride Ġreg istry ati le Ġall ies ĠIn struction Ġev olution ep has Ġ4 11 Ġ4 66 ĠE rie ĠE leven ĠI thaca Ġassum ability Ġstr ived ef e Ġadj o Ġrem ittance hed ge ĠRe fl ĠRe tention oth am Ġadv ises ĠH oliday oci ety po ol po tentially ĠAs surance ĠV ARI ult rie ex am omb ination ĠAc adia Un fort Un usual ĠEx port ĠPre sented Ġpremi sed Ġ19 07 Ġinter view Ġinter dependent Ġdis bur Ġwhere ver OR ATE Ex cellent ven tion Ġsupp ress Ġmaxim ization Ġ25 4 roub le Ġrele asing Ac tive Ġtake over Ġcoun tered wards hip ĠAd vertising Con ditions Con vertible ĠSub ject Ġ50 5 De flation Ġari sen Ġoverdra w ricult urally Ġtra dition Ġmis state ĠK os ĠK itsap Ġnote worthy pro perty Ġtend encies ĠRec onsideration Ġboard ed ĠMid lands ĠInter active Ġpreced e ĠAl ternative reed om Ġmid st ĠAss istance Sim mons ĠMet ric ); . Pr omo ĠPl ain Ġhomes ites ĠPenn Rock Ġprescrib ing Ġsuperv ise Ġput ting NY SE Ġtem pering ĠFed erated ĠPacific a Assum ed CON CI FF KT Ag riculturally ĠMo ultrie Ġoutpac es Ġreti ree ĠEv idence Ġcomplement ing ĠGreen field ĠGreen point Ġprevent ative ism atch Share owners Ġresum ing IA CC Ġir re En acted ĠAD VANCES Ġsign age ĠSp ain ĠSp ence Ġsuffer ing ĠCP C NA ICS ĠFootno tes Ġsupersed ing Ġsof ten Exp ressed app raisals Ref und Ġreimbur ses Ġperf ection Ġredeploy ing Ġsophistic ation ĠRB PI Ġdecons olid ĠDifferential s IR SA REN TIAL dep reciation Geor gia ĠWatch list ĠWin throp Ġeth nic Ġalle ges Ġrenegoti ating ĠDec ay Ġauc tioned ĠStr atton ST ATE Produc t Ren egotiated ĠCA I Ġdisplay ing Ġdomic ile bro kerage CORP ORATE commit ments ĠCOMP REHENSIVE norm ally Ġsequ entially ĠNC T Ġprecipit ated Ġregister ing Ġlaunch ing ĠDI FFE ĠEB ITDA DIS C Ġbound ary Ġsubsec tions Develo pments Ġpus hing Ġcer tify Ġexhaus tion Ġabandon ed ĠClar ifying ĠBernard o transfer able ARC s ĠWork out Ġparalle ls Ġed ge ĠRESTR UCT wri ters Ġdeno tes Ġcorner stone ĠTimber land iney ard Ġstagg ering Ġunat tractive Ġdiscrep ancies ĠBW C ĠKit ty dig its enterpri ses ĠRog ers conn ected ĠLloy ds Unfort unately ĠDIFFE RENTIAL B onds C ounty C LTV D EPOSIT D riven E igh E VPE E rr F irsTech G I I Z J ob L en M o M ont N ING P atriot P ortfolios R ati R oll T a T oday U RED W he c riptions f acing j ectives m e m atching m easurements n d o ly o ke r ants s a s he t urn Ġ iv Ġ %. Ġin g es aw ar le Ġd ating Ġ2 18 Ġ2 47 Ġ2 68 ur rency at che im mediately im bursement Ġ3 45 ĠC risis ĠC CA ĠD irec ĠD iversified Ġse es em arle Ġcon tents Ġex ag Ġv ill us on ir teen Ġpr ud Ġch ain Ġdec ep ĠF in ĠF almouth ĠB ull ĠB ra ĠS ing ĠS partanburg ĠS ociety ot ments Ġrep utations Ġha ven ub ble ri se Ġmarket plac Ġqu artile ĠN ation ĠN CO ĠT ree ĠT DFI ĠT WA ĠT rolling ĠL ag ĠR C ĠR ental ĠP ut ĠP ermanent ĠM ur Ġpo ult ad min ĠO PP ĠIn surers Ġtim ed Ġpay back Ġcollateral izes ĠE ight ĠI ke ĠI SF Ġ5 71 Ġcommit ting ĠLo omis Ġ8 50 Ġrem arket Non residential Ġ6 10 Ġmet als ĠG otham el ing Ġemp ower Ġinstitu tes ack ens Ġstat ues ĠW oods Ġunc overed erg uson reg ardless Ġset ters An chor Ġcontrib utory Ġloc ate Ġ19 80 ĠBanc ard Ġinter active Ġdis parity ĠPro bable Ġref ining Ġrestr aining Ġaccre ting arge ted Ac celerated Ġtake out Ġge ts Ġgeograp hies Ġ29 3 ĠInd ividually bur sable CF PB Ġfunction ality First Merit sh adow ĠTh irteen Ġill eg four th ĠTrans First OL TAs Ġtreat ments Per iods Ġpartn ered Ġreplace ments ĠCON CER eg iate ĠAdv i Po or Po ol ĠAssoci ations Ġreact ing sequ ential Ġviol ate Ġintroduc tory Ġavo idance New ly ĠBl uff ĠMain line ĠRO ATE Ġclim b Disc ounted brid ge ĠBr ad TC T Or rstown Ġimmaterial ity Ġsubstitu ted Ġsol vent Adv isory TB A Ġinacc ur Ġalign ing ĠTyp es Main tain Main Source inten sive mat urities Part ly Ġrenov ating ĠIB NR EX PEN ĠMAR C ĠBO H br and Ġaccumul ates ĠOrgan ization ĠPay roll ĠNOTE S Ġoccup ants ĠFac ilities ĠFour teen ĠTown e Ġnarr atives Br anches ĠWar burg Ġproxim ate ĠCS WFL Gr ading ĠCap Gen ĠCap itol REG ULATION ĠWorld wide Ġlay er Ġfranch ised ĠMS D rece ive Ġrecoup ed Ġsafeguard ed Ġinject ing Ġturb ulent Ann uity Aff ordable Com ments Forec asted ĠLawrence burg ĠSTRATEG IC Ġgar ner premi ums Ġemb od Ġduplic ative ĠWhe eling tt p Ġpick ed prob ably ĠProv idence Class ifying Ġconfront ing VEN UE ĠLinsc omb ĠClaim s Comb ining Ġincomp lete ĠFre estar Ġsynthe tic Ġsew er ĠCrow e Ġexemp l Ġtradem ark Gener ating techn ology ĠMel ville Ġheigh ten Ġscre ening Ġencumber ing Jack son Ġresched uling CONCI LI Err ors Ġexag ger Ġdecep tive Ġmarketplac es ĠTrolling er Ġpoult ry Ġilleg al ĠCONCER NING ) ". B al B and B NC C Y D ow F RA F erguson G FS L od L BSF M arkets N K N atural N LIC R ome R REA S TEL T ru T ourism U su U mpqua W orth Y MENT b ad c orrec c ontinues c ius c lient c atastrophic d uring e als g a p ast s aving v aluation w ine y wine an it Ġc atch Ġc eded Ġf ears Ġre evaluation Ġd anger Ġ2 48 Ġs mo Ġn earing Ġfor bear un collectible Ġr um Ġ3 40 Ġ3 47 Ġ3 70 Ġ3 74 Ġ3 96 ĠC ontinued ĠC CC ĠC ypress ol ul ĠD TI ĠD ime ĠD uration em an Ġcomp ounds Ġres ur ir ard Ġco ding ank et ut r ĠF OC ĠF actoring ure ty ĠB el ĠB orn ĠS A ĠS am per y ĠA qu Ġnon existent ortf all ub a ri ber Ġnot ches Ġapp li ip pery ant own rent al ĠT en ĠT PB ĠT amm am aca ĠL isting ĠL BHI ĠR U ĠR ound lo aded ĠP UR Ġreal izations Ġund ers ĠM BI ĠM TA ĠM CH ad versely Ġover shadow ĠO uts ĠIn ventory Ġtim et sen su Ġfe at we go ĠE lement ĠE LE ĠI DFI Ġ5 21 own des acc ount Ġj anit Ġ6 14 Ġ6 47 ") ) Ġ7 25 ĠG B ĠG O Ġadv ising ĠH ight ĠCons olidations Ġsp ans ĠW inter ĠW GNB ex ten ex port reg ard ĠPre servation Ġaccount ant Ġhome ownership ĠCon formity Re asons Ġrestr aint CI A Ġke ys ĠNew s sec ond sec tor Res olution ĠSB T ĠSB FC Ġdur able ĠEn ding pre sents Ġ28 1 ontinu ous Ġclose st Ġdra f ĠASU s eas ons FS GBank FHLB P Ġadvance ments ĠNorth rim CC A ĠCitizens Trust ĠRE LATED ĠFair ly LE P ĠPer ry ĠPer iods SP EC Ġlength s ĠReg ent ĠSe lling ath ay CD E Ġaward ing inc reases Ġoptim izes ĠApp eals ĠAccount ant Ġver tical ĠMich ael Ġenforce ability Ġadhe red ĠGreen Bank Ġscal ability ĠRich land LG D Ġste llar Ġsuff ers estric tion produc tion ĠPar tially Ġappo inting AM T des ignation LAS S Ġdiss atisf ĠBB N ĠTE Us ĠNA I ĠFB FS Inter company Inter pretations ĠOut standings ĠKey stone Ġconvenient ly ĠZ ero medi ate ĠJud gment assum es ĠIM PAIRED Ġcod ifies ĠFBB H ĠAB L Ġfamiliar ity Mutual Bank Ġdownstream ed represent ations chie ving ĠHistoric al Ġinquir y Ġinj ections ĠCONTING ENCIES Ġcop ies categ ory Rock y ĠMA Y ĠChe v Center State Ġmortgag ors Ġcultiv ating REE MENTS Ġmask ed Ġbar riers Ġrehabilit ate ĠMoore field Method ologies Ġdiscrim inate ĠBrist ow ĠCuy amaca Head quartered light ly ĠKen esaw ĠHon olul Ġcompliment ary Ġincon sequential Ġaffidav its ĠOrland o ĠSom er ĠSut ter ĠRow an Revision s prof its ĠBei ge ĠCamb ria hu etter Ġphen omen absor ption ĠAlo Star ĠRefl ects ĠKos cius ĠMetric s Ta ft Ġvill ages ĠBra z Ġremarket ing ĠAdvi sers Usu ally correc ting Ġrum ors ĠBorn huetter Ġappli ances ĠMBI A sensu ses Ġjanit orial ĠHight stown ĠHonolul u ĠKoscius ko B o B MC C en C MA C AMELS D ECEMBER F s G uaranty G uarantor I OLTA L ocated L aws M ad N inety O mnibus P e P h P ON P AR R est S W S CB T T U SE V O V SB b uilding d if d let f irst h man h ouses i en m ed s mall s preads v able w ed in ternal in ous in vestments Ġt ent an in an ey al ue Ġan om Ġm al Ġd uly Ġ2 79 tion ers Ġs he Ġe ased ion eer ic its ill ed Ġn ight Ġn umbered un secured as tically Ġr uled im il Ġ3 000 Ġ3 29 ĠC V ĠC US ĠC NC ĠD am Ġcon sensuses ter ror Ġcomp utational ĠComp aring Ġper v ĠF e ĠF ED ĠB of ĠB CH ĠS o ĠS easons Ġimp uted ap S Ġpre emp Ġend ow Ġcredit able ch anin Ġun invested ĠN OVA ĠT ests am ong ĠL G ĠL owndes ĠR epos ĠR ita Ġsub sets Ġsub committee ĠP orts ĠP urposes ĠP ioneer Ġind en Ġind eed ĠM aw ĠM MC Ġass imil Ġsal ability Ġunder lies Ġover margin Ġover haul Ġne utr Ġreg ained ati ent ĠO riental Ġab normally Ġrev alue ĠSt ress all otments ys ide Ġ4 18 Ġ4 67 ĠE G ĠI TEM Ġrecord keeping Ġstr ides ag ue Ġ8 35 Ġ30 9 Ġcontr asted Ġcontr actions ric k Ġvolum inous Ġmod e Ġ6 22 Ġthere from ĠRe liance ĠG ard AS IC ĠH ave ĠH ilton Ġdef icits Ġiden tically ĠV aluations ak ed Ġal er Ġal ert Ġunc onstr ex ecutive AP HIC ĠEx isting ĠEx ists Wh o Ġguaran ties ĠY ou ĠY ardville ĠCon roe Pro cedures Ex aminations Ġcorrespond ence ven ience Ġdr astically Ġorgan izing Ġpracti tioners ER G Ġ25 2 Ch arter lac ing St ream Ġ($ . Con n Con forming Ġ26 3 Ġ26 4 Ġ29 2 Ġ29 7 wh olesale Ġmis representations SR s ĠK BC Appro ved ĠTh ousand ĠAg ent Le ased Le hman ĠOffic es Ġconf ron PP NR ĠIssu ers Ġkeep s Ġlock out ĠUp on Be ach Ġwindow s tr anches Ġdil uting Up ward Ġcentral ize Ġdispos able appro val hy brid Ind ex ote ls ĠEv aluating Mid WestOne Ġconsumm ating Gap s ĠCl awback Ġfarm s Ġintense ly Ġnecessit ates ipe i Ġisol ate ĠIR C shock s Ġinvestig ating ĠTE Y Ġperf ecting Inter agency ĠPay out Ġrepe at run off eston es Ab out Sens itivities ĠLa undering Ġ325 35 ĠZ ions Ġinterven ing ĠIden tifying ĠREP URCHASE ĠColl ier ĠColl ectively ĠColl egiate ĠSte wardship ĠEmp loyment Issu es ĠPL MBS Ġprioritiz ed Ġmil k Ġmil estones ĠAB G Ġzon es ĠDub lin Ġaffirm atively ĠTa ipei Rem ittance EQU IVALENT ĠSimp licity Ġlif t Pay offs fo reclosed Ġmotiv ating ĠPRO SPEC Lim its ĠSCB FI Weak ness ĠFlo od Ġwareh ousing Ġrecoup ment Ġcul m Forec losures Ġinduce ment GR APHIC ĠLew iston Ġterrit ories ĠHO EPA Enterpri ses ĠPas co Ġrot ational prov ided vol atility Ġflags hip BV AC ĠCre ation ĠAG GREGATE Method ology ĠLIN ES ĠAtt orney ĠBry n PCB NA ĠLad d Ġremit ting ĠOs wego Ġvigil ant Ġartificial ly Es sentially ĠTul sa ĠElim inations ĠSeason ality Ġoverwhel ming spect us reim bursable ĠConsult ants Statis tical Ġdisbur sing Len gthening Ġsmo oth Ġresur gence ĠTamm ac ĠOuts ide ĠBraz il Mad ison dlet own ĠCUS IP ĠBof A ĠPorts mouth ĠMaw r ĠMMC apS Ġovermargin ed Ġneutr alized Ġunconstr ained Ġconfron ted ' ) A nson A chieving C ritically C lassifications C ampus C ontinuation C urrency D o D av D TI E ither F R F CC F idelity F MIC G FSB G MI H BC H TH I de I llinois J o M c M UNICIPAL O GRAPHIC P AC P ercent S ur S uccess S anta S ky T oward U P a up a fety b a c ombination d oes h in l ender m any m ade o osa r ich s weep u ate u sers x iii y er in quis in ded Ġt umul on ey Ġin sensitive se par ti ary ti ered Ġc lin or f es pecially Ġp ock om s Ġre acted Ġre jected ll y Ġ2 29 Ġ2 33 Ġ2 95 ent ry ur ability Ġas king ro ads as term Ġ3 31 Ġ3 62 Ġ3 93 ĠC lin ĠC AB ĠC ECL ĠD CR ĠD aup Ġse ar em ic Ġcon sequent Ġcon tested Ġor ally Ġh ike io ux ĠComp etition Ġst ret Ġdep arted ĠF BC ĠF CRA ĠF reedom ĠB ofI ĠS ioux ot ted ĠA ward Ġrep ays Ġrep ledge act ing Ġrec l ub b ub s ub lish Ġrel inquis Ġun law ĠN EB ĠT F ĠT us ĠR im ĠR eston ĠR uff lo ad ĠP ike ĠP atterson ĠP GFSB ater ized Ġund ecl ĠM illion ĠM CB ĠM yers Ġunder min Ġdeposit ing Ġall eg ĠO il ĠO TC ĠIn sight Ġcur b og h all able Ġins tituting Ġins urability tu ous Ġob serve Ġ4 24 Ġ4 55 Ġ4 62 Ġ4 81 ĠE li ĠE RC ĠE MV ĠI AB Ġmain frame ass as Ġout lining Ġ5 12 Ġ5 50 Ġ5 75 fe itures equ ivalents Ġ30 4 For feitures Ġj et Ġ6 50 Ġ6 05 au fort Ġ7 19 Ġ7 60 ĠG CF ĠG irard ĠH FI ĠH PC ĠH MDA ĠH ackens el ection serv ices Ġbr isk Ġsp aces ever aged Ġdown state Ġneg lig ĠAc adem Un pledged ĠEx cess ĠEx posures Ġforward ed Ġsimilar ities An aney ĠAL SC Ġfac ets Ġ19 84 Comm erce Ġdis regard ĠRep urchased ĠRep ayments ĠPro ceeds Re ad Pro posed Pro posals ven ant ĠInc reasing Ġwri tes Ġinvolve ments Ġro ads Res ponsibility RB B Ġachie vable ĠLI H Ġge ared App endix ĠMarket Safe ĠInd ices Ġmen u Ġconsult ations FS A FHLB I FHLB ank ĠRec iprocal Ġpost p ". ) Ġundert akings ĠRE PA GE OGRAPHIC Ġnonc allable no te Ġrest atements Ġmedi ation SP AP Ġformula ic Ġconstitu encies ick er Ġmoder ation Dec reasing Ġpredomin ate Des ignation ynam ic Ġconven tion ĠApp reciation sub scription isten cies ĠBe low eff ectively organ ic ustod ial Ġdomestic ally Ġcorrel ating Mid South HA I Ġinform s Adv ance Pen nsylvania ĠDes ignations Bro ok ĠEl gin ĠLE Ps mat ched Ġpenet rating Ġcoinc ided ĠPA RENT disc ontinued ĠBO D ĠBO TH uild ings Ġtransp arent Ġshr ank Co upled Ġbrief ly Princip les ĠKey Source Ġpartner ing ĠDif fer ĠColl ins Ġunpredict ability UT URE ĠPER CENT PM G Ġexacerb ate ĠMin ority sal aries Ġappeal ing Ġaffirm s Ġdistinguish ing ĠCA GR Ġfal se percent age ĠSl ippery Ġmigr ational oblig ors ĠBet hesda ĠWorld Currency Ġcyber security ĠCOMP ARISON igg ering Ġair line Ġprecipit ously BP AS Ġincons istencies Ġfoster ing Ġvo iding Ġsure ties Ġter tiary Ġinsol vent ĠER MC ĠER ISA Amer iana Ġcalib ration Ġconfidential ity AU MA Ġcer tifying Ġcandid ate ĠPalis ade TAL F ĠIMC Rs ĠFisher s Ġconvey ed ĠPriv acy transfer ability Ġrecalcul ate ĠPas o Ġunreal istic pon se Normal izing ĠHomes tead Ġdiscrim ination Amortiz ed restr uctured ĠLIN E Fall ing ĠDu val CLO s Enh anced Ġsubscrib ed ĠAIM S ĠRET A agree ments Farm er Ġreiter ates ĠCond uits Ġcataly st Ġche aper Ġadvoc acy Forecast ing SENSITI VITY ĠPlain field Ġempower ing riber s Ġtimet able LASS IFIC ĠChev iot Pe lican Ide ally Ġtumul tuous asterm oney ĠDaup hin Ġunlaw ful Ġundecl ared ĠMCB K Ġalleg ations ĠHackens ack ĠAcadem y ĠREPA YMENT ' . ; ), A IDEA C MBS D on D ivers D ynamic F lushing J US L ed M ay P ers P urchasing S olid S ettlement T im T URN c orporation c ars c ertified f unction f ayette h ope h undred h aven i GObanking m ap n yside r ance r action t reasury w ath y ock on ts Ġan emic Ġf its om inated ar ling st aff Ġb il Ġb ure Ġ2 28 Ġ2 49 ec a Ġs ke Ġinc idents ly de at land Ġ3 24 Ġ3 43 id able ĠC ities ĠC old ĠC PA ĠC itizen ĠC lyde Ġde fl Ġ31 4 Ġh im Ġh ope Ġh oliday Ġh ttp Ġac quis Ġg ifts Ġfr onts est one Ġad mitting ĠF ord ĠF TC ĠF ICA ĠB E ĠS G ĠS r nt own th us th old th ru Ġcomm and Ġrec h qui rement Ġcont am ip ate ip ts ds ville Ġun tested Ġun assigned ĠT oms ĠL ed ĠL ot ĠR ECE ĠR CS Ġsub servic ĠP D ĠP CC ĠP ERI ord ova Ġcapital izes ĠM al ĠM es ĠM ON Ġtr illion ld red Ġcoll aterized Ġab ated ide water su pplement Ġdetermin ative Ġup s Ġ4 15 Ġ4 20 Ġ4 39 we re ĠE ldred ĠI DC ĠI DF Ġcustom ize Ġout ages Ġ5 15 Ġcommon ality Non public Ġ6 80 ĠRe quirement Ġspecific s cal oosa ĠG ive Ġsens ible ĠH PFC ĠH arbridge el t Ġlin ks RE TURN li able Ġdes ks Ġgre en Ġoverall otment ĠW here ĠW CB ĠUn earned Ġplan ts ), . ĠTr uth ex it Ġneg atives Ġfurther more ĠAc tu tic ket ĠAn g An ti Ġcap ping Ġcap ita TE MS Ġfin ish Ġ19 67 Ġinter connected Ġdis rup ĠY uba ĠPro gress Ġcomprehensive ly resp ons Pro spec Pro ject Ġ16 01 Ex hibits IN CI Ġswap ping AR R Ġobj ectivity ĠNon cumulative ĠNon monetary arr ing Ġbo oking Ġta per Ġlast ly Imp lied ĠOff ers ĠSB F Ġweak est Sub sidiary NB B Ġ27 4 RES PON VE RED Ġten ure Ġmis stated ĠK PMG CF A ĠDiscussion s Ġdocument ary Ġsecuritiz es SB P ĠDep ression ĠDebt ors market ing Ġbond ing ĠMeas uring ĠNP Rs Ġmig rates PER TY Deposit ory ĠSouth western Ġnonc ancellable Ġve ter Per tinent Short ly QU ANTITATIVE ĠCo Vest Ġengage ments Ġconsum ption Ġce asing Ġmanufact ure Ġden oting ĠUp dated mit ted ĠRestr uct ĠPOLIC Y Ġnotice ably comp etition Ġsplit ting Ġdrop s Ġobserv es CON DITION Ġabsen ces ĠMo yock ĠPR INCI US ES ĠWarrant y Fl at Ġsubstitu tion AE M Su pport Ġ350 35 Ġappear ance ĠTR ID Ġtravel ers VIS A FRB SF Ġremote ly WS J plan ning des ist ĠSun nyside Ġdiss ipate Reg istrants Ġpenet rate ATM s ĠX II Coll ections ĠREIT s Ġjeopard ized ĠGulf Stream Ġofficial s origin ally Cal culations Mod ified ĠWor king Min im FA IR ĠLa fayette Plan ned Ġcush ions ĠAlt a ĠColl ection Mil waukee ĠTru Ps ** * Char ged Ġintens ifying Issu er Issu ed stock holders Particip ations sal ability ĠSil icon ĠWells ville Deterior ating Ġsafegu ards Util ity Util ization Ġsimp ler yber security ĠPerson nel ĠUse ful Ġmanif est Ġrecur rence OF N Ġharm ed Ġtransl ates Gr anite ĠCap Stone Ġflood ing ramp ing oblig or branch ing ĠPRO PERTY Prime Lending ĠHow ard ĠSound ness Ġdiscour age ĠAlb emarle Ġresc inded ĠFM ER ĠPul se categ ories ĠCOR RESPON ĠBow ling ĠDI REC ĠHor wath Ġallev i ĠHen rico FUN DED Ne ill ĠThomas ville ĠCompar ative Cl asses Ġcultiv ate Ġimper ative ĠUN FUNDED ĠSen eca Ġrot ating Ġrehabilit ated Fac ility Crow e Em erging Ġlog ical ĠDow ntown ĠRece iver Ġarchitect ural Fall on mand atory Ġshel ter ĠDetail ed ĠGreenb elt Ġatten tive aden ame ĠChap in bu ilder Ġpropri et Ġdism iss securitiz ed Ġroad map deriv ative ĠException al Ġcirc uits Ġacadem ic ĠAAB T ĠBS MC ĠMORTG AGE onal d Ġadjo ining ĠVARI ANCE Ġdeconsolid ate ĠFin Pac Ġunders c Ġovershadow ed ĠSomer set Ġaler ting ĠPROSPEC TIVE Dav idson ĠTus caloosa Ġpostp one Brook line Don ations ĠRECE IV ĠIDF PR ĠCORRESPON DING A IM B ond B uilders C AR C ontinue C SFL D As D FS D oes E lim F ree I WM M RE M ERG N ove N eg O ak O UT P lacing R IP S c S WS S ARs S lightly T idelands X X Y MA a he a ves c ast d erm d orf g han l eston m ix p ly t ins x us x iv Ġ umb Ġa pt re ated Ġo d Ġin her te x se ls Ġm uni Ġl itig ar ion ar acter it as it ched st al Ġw all Ġw ants Ġw ires ur ately Ġs an ro om red ell at oga Ġ3 35 Ġ3 22 Ġ3 76 Ġ3 71 Ġ3 86 le asant ĠC ross ĠC ephas ĠD CF ĠD olly ĠD iamond ac celerated Ġex otic Ġis land ver n il ty il ine Ġexp ans ir ical Ġwith standing ĠComp ass Ġpr orated ĠF ar ĠF all ĠF ind ĠF IA ĠF OFN ĠB ang ĠB almer ĠS all ĠS urety ĠA R ĠA Bank ĠA UB Ġ( ' Ġcomm ences Ġnon homogeneous Ġam ply ds burg Ġun bi ĠN ow ĠN OP ĠT B ĠT up ĠT IL ĠL ower ĠL TC ĠR estriction ĠP ress ĠP DI ĠP CMOs Ġind uced ord erly Ġund etermined ĠM anage ĠM CBI ĠM unc Ġbank able low est ĠO K ĠO tt ĠIn tex rec iprocal ide o Ġrev is ĠSt ark Ġup turn Ġ4 60 Ġcl aw ĠE RM ĠI TEMS ĠI redell alu ing Ġstr anded ĠJ P ĠJ ap ĠJ ob Ġ5 29 abl ed ry stal hed ged Non credit Non contractual Ġ6 79 ĠG U ĠG erm ĠH erm ĠH TS ĠH ummer ĠH ager el and Ġemp irical av ia 20 35 Ġsp ike umm ation Ġstand alone pport unity Ġunc over ĠMar ke ĠMar tins ĠTr ail ex ity Ġunre liable ib ly Ġneg ated FAS T Ġcor n ĠPre paid Ġloc ating Ġ19 23 Ġcred ence ON YMA ĠCh andler Ġdis char Ġsw itched Ġred ef IN ET ven ted Ġobj ection range ment Ġdr ug min us Ġlaw yers ĠForm ation ĠCD C itiz ation Ġbook keeping Ġregular ity St at ĠStates boro Ġstaff s Ġdoub ling Ac ceptable ĠLI FT ĠCal culated pre p flow er Ġfinal izing Ġdoc tors Ġ27 1 Ġmaximum s ĠAr rangement BS MC Ġhere by Ġten anted Ġmis appropri ĠK EIC Rec iprocal ĠRec urring Ġph asing ĠDe aler Sh iller ĠTh ur Ġem br ĠRE VENUE UR ANCE UR ING Ġfound ations ĠFr ont Deposit or Rep ayments Rep resentation Ġassign ee Ġassign ees ĠAcc ess ĠOrder ly ĠCON S aud it Ġenc umbered RO C Ġtransition s inc urred ĠMon itoring risk ing Ġtier ing ĠMain taining ĠHaw orth PA RENT Ġcle aning ĠEX CHANGE con verted Ġuniqu eness CON CENTR ĠMo tion TH REE ĠExp anding Ġbrand s Ġcommens urately Ġfa ult ĠMB A ham pton ĠMe et ĠFl at Rel atively Ġnomin ee ĠFI RST ERI VA ĠDetermin e Commission er Ġreplenish ing ĠTPS s ĠSpr uce Altern ate Coll ective Ref inance CA UTION ump kin watch list Ġpattern ed ĠMod erate Ġderecogn ize ĠHar vey ĠPe ters ĠLa P UB PR Ġexha ust ĠWal dorf Ġdev ising Char leston ĠPL MBSs Ġprioritiz e Ġmil estone ĠIM PACT Ġtrail ers ĠAB D Ġreve aling EF ERRED Gr ade ĠLegisl ative SL MA ĠMEASU REMENTS ĠBV CC ĠKe ogh Ar nett Ar ticle Ġwest ward Ġunw inding MP LO IVAL ENTS Ġsubsid ize Ġsequ ence Ġredes ignated ĠRou te ĠMed ical Ġdesk top Ġextrapol ation ĠCC P Contro lling Ġdomin ate Green Point ĠMulti ple Down grades ĠINS URANCE ĠWood land flo ors Exten sions Ne eds Rever sal ĠWhe aton ĠSar atoga ĠEnh anced ĠFN SC contract ors ĠAG REEMENTS ĠGL B ĠRevol ver Ġextr action ĠBrist ol ĠStren gthening ĠScot land Ġresili ent Ġundes ignated PCA OB Disposition s Ġarbitr ary lay ered Ġtex tile Ġfos tered Ġremix ing fraud ulent Ġcompati ble Explan ation Ġrelig ious ĠCRB T Ġroyal ty Ġhards hip Ir win slo ping Ġspo use ĠGil bert name ly Ġves sels ĠDirec tive admin istered Ġexempl ary CONCILI ATION ĠGO ODWILL ĠDam ian ĠSo ftware Ġstret ch ĠRuff olo LASSIFIC ATION thold ers Ġrech aracter ĠLed ger supplement ary ĠAng ola Ġpropriet ors ĠRECEIV ABLE Nove mber derm ill Ġexpans ive ĠBang or ĠSall ie Ġunbi ased ĠTIL A ĠMunc ie . -" B W C RB C FS E conomy F ound F HB F ocus F resno J UN L abor M ahopac P ur P RE P AL P AB R apid R outine S M S IC S election T ricom T argeted a vers b uy c lassification e lo f old f athered g iven h ama i verse j us m easure m igration n own n ext o e r imin s ses v age w ag w riter x ies Ġ ut in ished re ferenced on a on ce er land al ach Ġc itizens en vironmental Ġan ch Ġm all st ri Ġb ail ll ville Ġlo o Ġlo ading ic an Ġinc idence ill a anc hester ge ographic at o Ġ3 33 Ġ3 75 Ġ3 56 Ġ3 90 ĠC losed ĠC EN ol ing ĠD ans ĠD DM Ġse iz em Group Ġcon ce Ġcon tend Ġ31 9 Ġh os ort land Ġv an us a ig ence ig rants ĠComp l ĠComp osite Ġch ances Ġdec e ĠF MIC ĠB illion ĠB ru ĠB NB ĠS PB per i ĠA ging ĠA FFEC ĠA nson ess rs Ġmar ina th ur Ġnon rate Ġnon binding Ġnon specified and fathered Ġcons ults Ġinclud ible ip ley ĠN U rent wood tim ing ĠT urn ĠT owns ĠT rend ĠT rouble ĠR AP Ġsub side ĠP olk ĠP almer ĠP TSP ord ability ĠM CA ĠM echan ĠM MI ĠM eck Ġsal vage Ġtr adename Ġpar k Ġpo ll Ġunder payment Ġunder performance Ġen l Ġcoll aterally Ġall iances ĠIn Bank ĠIn troduc Ġdisc ern og ue sen ing enc omp Ġ4 10 Ġ4 92 ĠE ase At tention Ġ5 48 Ġ5 99 ĠU lt ĠU VEST Ġ30 8 IC ED Non taxable Non operating Ġrece p Ġ7 42 ĠG all ĠG NB ĠG HI ĠH ob ĠH CSB gr andfathered ack age Ġdef ective Ġforec loses Ġsp ill sid er Ġhold backs for dsville ĠW ai ĠW arr Ġminim us ult ant Ġint ra ĠTr aining tic ation Un iform Ġaut hen par alle ĠEx aminations Ġform idable ĠAn ti Ġi Advance Wh ite Ġanaly tic ĠCh ico Ġdis poses Ġdesc ending ĠHome owner Ġso fter Ġcircum vented ĠNon e ĠNon voting arr us arr anged min i Ġrestr ain Ġimm igrants LI H TS Ls Bank ers St ates Ġunf inished Ġro uting ĠSu ite Ġsen tence Ġ35 3 Ġdivers ifies ks wag ĠAr riving ĠMay flower eas ures ATION AL pro bable Ġherein after Ġpost pon Ġaver sion ĠIs le Ġacquire rs Ġfound ers ĠAl arion yc le Ġrest oring ev ue Ġconstitu ent ĠOwn ers ĠSignificant ly Ġinterchange able ĠCommission s BC BS Ġpower ful Pr iv Ġreac quired ĠPl ank Ġvalid ations ĠGen erate ĠAb ility ah oga Ġconven tions ED Fs ĠApp alach Ġobserv ing con vert Ġsolid ified ĠMo U ĠMD E US GAAP ĠOne Group Ġunderstand ings Ġbrand ed outs ide Ġlot tery ĠCommerce South ĠCl aren len burg Ġmarked ly ĠPar is ĠPar amount Where ver Ġstud ying ĠRock ingham Ġcurtail ing ĠAM NB ĠVol atility Ġrob ber ĠIR LC public ized ĠTe hama ĠHo over error ism Ġlessen ing Ġhard er ceed ing High ly ĠTechn ologies Ġadap ted adv ances Inter im origin ation ĠOTHER S Ġoccup ation ĠHam burg Meas ured Vari ability Ġprefer ability ĠBut te ĠDec reased Pac West Ġdeliber ation Ġprog ression ĠSl ade Ġstimul ating Ġinte ll ĠDav id Ar rangements Pay downs ĠBill s Ġlay ers Ġadverti sed ĠRand all Ġdup licated Ġtown homes Ġcorrid ors itz erland person al ĠLod i ĠWAL s ĠCed ars Ġdeline ates IDEN TIAL ĠLyn n Ġcomfort ably URCH ASED RAL s ĠClar ification Ġbuildup s Ġoverrid den ĠPAR TIES eli ber Ġerod e util ization ĠHard y ĠSever n Ġreapp raisals ĠNe igh ĠSERV ICED BV CC ĠCraw fordsville quire r Thir teen Ġparalle led ĠBell evue mand ated ĠCuy ahoga Ġwin ning ĠDu Page Ġpractic ing Ġpractic ed Ġcollabor ation ĠHB T swap s ĠHisp ano ĠMonte rey Ġrefurb ish ĠBarn ey ĠCab arrus ĠSw itzerland Transfer or engin eering Ġobsc ure Syndic ation Ġvect ors ĠShel by ĠWas atch ĠDra fts Whe reas Ġing red ĠNCO s Ġforbear ances ĠAqu iline ĠRound table Ġphenomen on Cen tennial Rest oration Ġanom al Ġinden tified Ġpock ets Ġbil ateral ĠPERI OD ĠMal vern respons ive ĠPRINCI PAL ĠTup elo ĠHager stown Ġdischar ging ĠThur ston JUN IOR Ġut most Ġseiz ure ĠMeck lenburg ĠIntroduc tory ĠUlt ra ĠWarr anties Ġauthen tication paralle led kswag en ĠAppalach ian ĠClaren ce . - . ; ; "), A H A chieve A utomated B on B uildings C our C ontinuous D raw E ducation E leven F IT F ED F ifth G DP I RC K e L a L oc M IG N ow N evada N AT P W P CDO Q s R D R ating S helf S lower T wenty V II V ictory W ri W are W isconsin b re b onds c ery e ity f inance f isa f ication f ghan g res g ged j ai l ate l as l oth m aterial m ajor n b n am n ard n onc o ts o pportunity p ut p tively p utes w ritten y ette z a in er on aw on version an ic Ġin eff Ġthe ses ti ent ti sts al es Ġc ol or a Ġan chor Ġf ur Ġm em Ġm alls it che Ġb ubble Ġd estr ec ula ec ycle Ġw ave Ġs her Ġs ports ro gate red eg Ġr ace im a Ġ3 27 Ġ3 55 Ġ3 68 Ġ3 89 Ġ3 97 Ġ3 84 ĠC ards ĠC RO ĠC SPA ĠC HAI ĠC rystal Ġde emphasized Ġde emphasize ol eta ĠD ur ĠD RIP ul us Ġpro sperity il ing us co Ġfr uit her s ir ation Ġpr ong Ġst y Ġco in Ġdep ression Ġdec ades Ġdec onversion ĠF CC In tegra ĠB R ĠB IF ĠB OC ĠB MP ĠB DB ĠB Ds ĠB rentwood ĠS um ĠS IC ĠS yl ff ield Ġim ages Ġli br Ġimp lication ĠA F ĠA fghan Ġnon time Ġpre fund and a tain s ri ps Ġapp rehens ital ization ip t ip lined Ġun registered Ġun incorporated ĠT onaw ĠT redeg ĠL isted ĠL everaged ĠL umpkin ĠR ight ĠR INET ist an ĠP hen ĠP MA ĠP MBS ĠP SI Ġearn out ĠM Bank ĠM aum ĠM essrs lin ear Ġtr aders Ġne xus ĠO jai ĠIn puts Ġmortgage e ĠSt rips Ġpl ag Ġpl umm Ġins urances Ġavail ing Ġob st olic itation Ġ4 40 Ġ4 22 Ġ4 58 ach ov ĠE th ĠE PD ĠI one formation al Ġstr uck ag ricultural ef ul off set At t Ġ5 33 Ġ5 45 ser t Ġrem arks Ġ6 25 Ġ6 40 ") ), Ġ9 00 Ġ9 49 Ġ7 33 Ġ7 47 Ġ7 69 ĠG ra ĠG AB ĠG BI ĠG oleta Ġproduc er ĠH ot ĠH igher ĠH RBB Ġgeneral ization til ities Lo uis ens on Ġsc ience ĠCons ideration ĠAs sessing pt ons ĠV arious ak ima ĠW achov Ġprob ate Ġbenefit ting tic ky Ġgro cery Ġnumber ing Ġ90 6 Ġ19 28 Ġunderw ent Ġinter rupt Ġinter rupted ĠY akima Pro gress Ġred istribution Ex perience Ġdeterior ations itig ating ĠLe ach ĠLi ens ĠForm a ĠForm ula ĠCD FI Ġdistrib uting ĠNew ly St ory ĠAm b ĠIN VESTMENTS Ġcoun seling ĠAd ditions Ġsur rog Ġ28 7 Ġ50 6 RES PA Ġquo tient ĠCont ract ĠCont roller Ġconsult ative ĠGovernment al Ġcounter claim Ġpe gged ĠWes banco Ġmagn ified lling ton sh ore Ġrent ing ĠNorth ampton Ġhomogen eity ian apolis ĠMid land ĠMid dletown ĠAC QUISITIONS ind ependent ind ustry ĠTrans Community Ġfound ing Rep lacement yc lical Ġfacilit ators Short comings ĠNPV s stant aneous PB M arb ors ĠRati fication ph ased UM P TR Y CD FI MB IN ĠAudit or ĠCO MBIN Ġ85 505 ĠEar ly Ġcentral izing risk s ĠSecurity Fed Ġtem per Ġcheck book ĠFNB W Ġconfirm ations ĠFed erally Ġparame ter Ind ianapolis Eff ectively rem ont MAR C affili ate affili ates ĠCB HC Ġbenchmark ed ĠEm bedded ĠPrincip als Ġdimin ishes ĠPC L ĠPC PB Ġnarrow s ĠMan assas ĠNB L ĠNB Q ĠTAX ABLE total s Ġsteep ly Ġfaith ful Ġphys ically Ġunde re ĠDes pite Ġencomp assed dec lining COMP ARIS Ġshorten s ĠLE AF establis h Ġstim ulated ĠCorrec tion Ġpresum ptively ĠLaw yer Ġaccumul ating ne eded Ġwa it ĠRev italization ĠHam ptons ĠCle aring char ges Ġinterven tions Ġenfor ces trans formational Ġdeleg ate LP L Form erly Ġdifferenti ation Ġdifferenti ating Ġsolicit ations Ġmil der Vol atile Mutual Wealth Ġgrandf athering OF AC Ġmirr oring Strong er Ġlif ecycle SC HEDULE Ġtight ly Ġenjo in law s Ġweigh s Agree ments Ġsearch ing ĠJoh nson ĠJu ans ĠFM IG Ġtask ed bo y Ġstagn ation ĠDISCLOSU RE Contro ls Integr al ĠRob les Prov ide Ġur ges Establis h cut ting neg otiable Ġrecapital izations ĠRose mont ĠSW LC Ġguard ed TRI AL ĠWhe atland ĠCompar able Ġconsc ien Ġrecons ideration Ġrecalcul ates ĠProv ide ĠPrac tices Ġ> . ert us ĠDivesti tures Ġdecel erated ĠGrand e restr ucturing ĠCH IA Ġreforecast ing ĠDB EDT ĠShe ffield ĠRange ley large ly Ġcoincident ally Ġhal t rell a Ġfos ters Ġrecon f Island ers Ġampl ified ĠINDUS TRY ĠINDUS TRIAL ĠBCTI I Oblig ated Ġcooper ation ĠDoug las ando ah Ġremodel ed ĠClear field YE E Ġenroll ment Str uctured commission s Ġsquee ze Few er assess ment ĠStern er Und ercapitalized simpl ified Ġdefe asance Ġhur t ĠShen andoah ĠTem ecula Rati os Lod estar ĠEG T ĠClin ton ĠPERCENT AGE Ġsubservic ed Minim izing Ġumb rella ĠFind lay ĠNOP As ĠTB As Ġrevis ited MPLO YEE Ġhos tilities ĠBru yette ĠAFFEC T ĠTowns hip Wri ted Ġineff iciencies Ġsher iff usco gee ĠAfghan istan Ġapprehens ion ĠTonaw anda ĠTredeg ar ĠPhen ix ĠMaum ee ĠWachov ia Ġsurrog ates COMPARIS ION Ġconscien tious " : / - A ction C T C ase C iting C adence C riteria C yclical D EC D CF D TAs E KT F V J ames L BI M LC N VB N ationally P olitical P resident R FC S G S low S pr S ION S elect S atisfactory S cen S elf U ING V S V er V As W or b ility b ecause c ond c rop c ertificates c reated d om f ast g ow g erald h aw k i k ron l ocated m ature n ts o or s ign s ince s pe t ural t wenty t apped u Ps v a v olumes w ba y ields Ġt orn Ġt urns re po re funded an on te ro Ġc ro en ities en tity Ġf ear Ġf ared Ġf ight Ġp ate Ġp asses om inion Ġre ex Ġre issu Ġ2 36 ec ution Ġw ake ur ts ur ations Ġs ch ic ting Ġinc ent Ġinc ap Ġas pir ill ow Ġfor um as ive as gow Ġr anch im bedded et on Ġ3 28 Ġ3 21 Ġ3 58 Ġ3 72 Ġ3 2005 le gated ĠC her ĠC ata ĠC ob ĠC AMEL ĠC ertification ol ars ĠD GP ĠD ominion Ġse am iti ves ac ant ac cess Ġ31 6 ver ing Ġv ideo Ġy oung if ty ir cular ĠComp etitive Ġst ory Ġch ains Ġdep loys ĠF unctions ĠF iduciary ĠF itz ĠF ABC In stantaneous ĠB PO ĠB GI ĠB enson ĠS ect ĠS up ĠS emGroup Ġval ley Ġimp eded ĠA lex ĠA ldine ĠA kron Ġnon rated Ġnon employee Ġpre existing Ġsh adow Ġam enities Ġrisk iness Ġend ure ĠBank West ri end Ġun iverse Ġun tapped ĠN av ĠN eck ĠN IACC ĠN atche ĠN exity ĠT win ĠT idewater ĠL is ĠL ic ĠL ane ĠL umina ĠR ising ĠR LI ĠR itch ist ra Ġchar ted Ġsub tr Ġsub head ĠP HC ĠP atient Ġcapital izable ĠM H ĠM anchester Ġtr ace Ġcash less ad option str ong Ġover payment Ġover comes Ġreg istr Ġfair ness ĠIn strument We ight ugh t Ġmon oline od ity Ġno tic Ġno tifies Ġhe tero Ġins ulated Ġ4 12 Ġpos itives ĠE g ĠE scrow ĠI CD Ġdeb tholders Ġcustom ization Ġflow ing ĠJ avers Ġ5 25 Ġ5 40 Ġ5 84 mp loyment equ itization Ġrem its HLB V IC TIONS Ġj unk Ġ6 29 Ġ6 35 Ġprep arations Ġsu its ĠRe imbursement Ġ0 2 Ġ9 46 Ġ7 29 cal e ore m ĠG SB ĠG ENERAL ĠG entry ĠH owever ĠH ope av ens Ġdef ending Ġrepresent ational Ġal together ĠTr ump TI P TI T ex cellent Ġsumm ation Un ivest epos ited par k par ation ĠEx ten ĠEx traordinary uctu ations ĠPre tax ĠPre payment ĠTrust co Ġcontro vers eb anon Ġ19 13 Ġexpect ancies ĠCh air Ġinter face ĠPro gres ĠCon duct Pro jects Pro cesses Ġdist ort AR B Ġdr astic Ġpublic ally Ġ18 90 Al aska ĠRes ponse Ġrat able CI SI ĠWe llington Comp letion Ġadmin istra lac ed ĠCondition al St ren St rict Ġro ots ĠAm es ĠAm ong Ġcli ente EC V Cons ummation OW N Over ly ĠAr ch Ġ40 9 Ġten ets Pre vious Ġmis use Ġtend ency Rec onsideration Off ering ĠDe ed reat ment Ġem ail Commit ment ĠFair banks Par ish Ġbre ake ĠOver land Ġnine teenth ĠPer form AC QUISITION OP TION RO M de velo Ġvi atical Ġlack s cell ence Ġ- $ be ville West america Ġden ying Ġden tists ĠAb beville Be acon RM L Ġstream ed ĠMary sville IM PAIRED comp rising Ġver bal ĠUS AB Ġcheck card appro xim gen eous con tained ĠIntern ally pe ared Ag gressive ĠCB L Inflation ary Ġdeliver able Fl etcher ĠSim ulations ĠEN FS VES TIT Ġnarrow ly Ġinver ts atif ication Ġforg iving tail ed ĠCl iff Ġsteep ens Ġapparent ly ĠRock ville ĠOak hurst Ġunde restimates Ġnomin ate Ġnomin ees Trans ition En forcement Ġreb ut ipp le Ġsign al ĠBo y ĠNY CE Ġsyndic ate Ġcoinc iding ĠBridge hampton Ġdefinitive ly special ly disc ussion ĠON I Ġdon ated Ġjeopard izes ĠTreas ure ĠCour ier Ġdeep ened ĠSpring stone Ġstay ing att ributable ĠOm aha Ġeventual ity ĠPe ak ĠOb jectives Ġhon ored Let ter ĠGuide line Discussion s ett a EB ITDA ĠBHC s ĠSur vey dep reci Ġdete c ĠEmp hasizing mark ed ĠMin or Ġdevo tes Ġnoncomp ete Ġrelie ve Ġmemorandum s ĠTa ze Rem ics Ġnondeposit ory ĠLim itations NM As ĠMc Ananey Ġalleged ly SC P Ar row Ġget ting ĠSE GMENTS Ġmotiv ation Weak nesses liquid ating Ġdiscour aged Ġresc inds ĠOcc upied Ġattend ance face ted Ġpres idential Ġround s ĠDI VESTIT Ġ======= . ĠGl asgow Prov ided Green point Ġrational ize Ġdampen ed def icit ĠBC BS Ġdistribut or ĠCompar isons Ġhop es Ġhop eful rati os ĠStruct ural roc k ĠParagraph s ĠAir lines ĠSERV ICES ĠSERV ICING Ġdecel erate Ġredirect ing Broad ly AD OPTION Ġsemin ar ĠShe boy ĠStren gth adjust ments ĠAtt ributable ĠRESTR ICTIONS ĠLinsc o ĠHV IA ĠEV ENTS Ġatten ds ĠContrib ution Ġcompati bility ĠHisp anic Ġdisap peared roy ed Ġmodern ization initi ally DIV IDENDS Macro economic ĠAP IC Ġdest royed ĠRepresent ations Ġslump ing Modest ly Ġide al ĠMari a DISC LOSU ĠRESTRUCT URED Ġprud ence ĠBOH R ĠSA FE Ġtent ative ĠLG D Ġculm inated FCC Y Ġundermin e Ġbure aus ĠActu aries jus tified ĠCEN TER peri enced Ġrefurbish ment Ġingred ients NAT URE Ġcol or Att orney Ġfaithful ness Ġundere mployment Spr ing crop s Ġtorn ado urts boro Ġsch olars ĠCata wba Ġseam less ĠFitz gerald ĠSect or ĠNatche z ĠRitch ie Ġsubhead ings Ġhetero geneous avens wood ĠProgres o Ġadministra tively Ġcliente le Ġbreake ven ĠTaze well ĠSheboy gan ' ve + . . ), A CB A bsolute A VMs B ayside C TB E ns E agle F i G L G SA H O H ar H ence I ASB N UAL N WBF P LGIT Q R R equ S te S ustain S arbanes S IGNIFICANT T errill U TB Z AB a vailability b ors b urn c risis c ancellable d ev d ivided e tiz g or g olden i ber i very k iting m son n a r ations s te s hip u ating v iation in ating in sufficient in stallment Ġa f Ġa viation Ġt err re pay te c al dsburg Ġc amp Ġc ensus en ergy or ization Ġf ishing Ġp air om on Ġre wri Ġb inomial Ġd orm Ġ2 59 ec utives Ġlo ads Ġs ing Ġas k ro ger Ġn ations Ġn aked un a as per ve hicle Ġr ice qu ef qu oted at an at avia Ġ3 39 Ġ3 49 Ġ3 67 Ġ3 95 Ġ3 61 id mann ĠC M ĠC iv ĠC SFL ĠC athay ĠC ordova ĠC ortland ab ash ol ize ĠD all ĠD CD Ġse x Ġcon verse ac cepted Ġ31 3 Ġ31 8 Ġh ar il t il it Ġcomp lic Ġcomp resses Ġcomp osing ĠComp rised ĠComp leted Ġpr ide Ġst ored Ġst aged Ġco ded ĠF E ĠF MC ĠF UTURE ĠF ROM In sider um ption um ped ĠB oc ĠB DA ĠB atavia ĠS CC ĠS VA ĠS iff Ġval orem ĠA the ĠA OP ĠA vailability ĠA CCR Ġ( %) ap ore Ġnon payments Ġnon government Ġnon proprietary Ġtotal ling Ġmark downs Ġvalue less Ġend orse Ġrec urrent ch and Ġun b Ġun availability ĠT RO ĠL abel ĠL AND ĠL ebanon ĠR ated ĠR am ĠR ATING ĠR aton ĠR IGHTS Ġsub categories ĠP FC Ġearn est ĠM UNICIPAL Ġtr aced por ia Ġunder perform ad verse ĠO AEM ĠIn herent Ġme al ten aw Ġmon etiz ĠSt ream Ġno tifying Ġhe ads Ġpl aus Ġ4 19 Ġ4 69 Ġ4 80 ĠE lev ĠI SB Ġrecord kee gin s alu able ag a Ġout growth Ġflow ed Ġ5 22 Ġ5 93 ond aga Ġ30 7 acc ounts acc ounted acc retion Ġ6 16 Ġ7 30 Ġ7 48 Ġ7 76 Ġ7 51 Ġ7 64 ĠG reg ĠG uarantor Ġproduc tively Ġ10 35 ĠH and ĠH NC Ġret ren til es Ġsc reen RE ET RE LATED Ġjud ges po st Ġcal am Ġmaterial izes Ġsp ikes Ġbro ke ĠW C ĠW ac ĠW HB ĠW DFI ĠW abash ĠUn used ĠUn secured ĠUn adjusted TI VITY TI VEN Ġneg ating ĠTrust corp Ġel ective Ġaggreg ators the ws pr omo Ġmulti employer Ġpen insula Ġinter ference Ġdis se ĠHome Banc Ġred eliber IN D IN E IT IC Ġta pering hen y Ġconc urred Ġconver gence To ols Ġconn ecting Ġindustrial ized Ġsepar able Ġbon a ĠAN NUAL ĠPr imarily Ġcommission ed ĠIN TE Cons ider Ġbroker ages Ġexten uating Ġprospec ting ĠAr thur Ġmer chand Ġflat ness Ġten ancy Pre TSL ĠK im ĠK RI ĠK EY ĠK roger CB C ĠDeposit ories Ġdeduc ts CF O Ġtend ering Rec e Off ic Ġmagn ifies ogen ous ĠDe recognition Sh own Sh ifts hib ition sh ortfall Appro val ĠAg ribusiness ĠMid loth ĠRE CO Ġback st sc oring ĠFr ance ĠSouth lake Rep utational ains Capital Ġillust rative asses sed ĠMat thews ĠOn ondaga Ġdepartment al Ġrever t Ġrest ates AC TIVITY Ġenc umb ĠCo al pl ain ph ase ĠRES G TR ATION Ġhomes ite Ġ$( . ĠCol usa Ġput ative ĠCONDITION S Ġextinguish ing comp letion POS ES ĠSmall er Fund amental Ġperce ive ĠDel ivery ĠBe aufort lim its Ġescrow ed Ġca ught Ġunique ly oper ated ĠUnder writer ĠBro kers Estim ations Ġcance lling ĠOp us ĠGr ass ĠGr ades ĠExp iration ĠEm poria NP L cons olidation Su fficient ĠEN HC ĠMB NA Ġvulner abilities ĠNON ACCRUAL Ġstud ied ĠOak land Ġaccomplish ing ĠDes ignation Ġrecap s ĠCOMM UNITY Ġcontrast s ĠFI LED des criptions Origin al Ġsubsc ribers Ġarr anges ĠTE FRA Exp and ĠTo ol Ġjeopard izing ĠMor ales Co operative has ize Ġscrutin ize Ġunlike lihood ĠThere fore PR IVATE rac use Ġexc ise Mod ification Ġfit ness ĠSU PERVISION ĠCle mson ĠPe ach Ġrealign ing Ġescal ations Ġexplo red ĠSecuritiz ations ĠIden tification impro ve Rev aluation Ġsuc cesses Ġunnecess arily dep end ĠSand ler ĠBANK ING ĠAB HC Produc tion Ġreve al Dis putes ĠVAL U etro it Warrant y ĠEnvironment al Ġpassbook s EFFEC TIVEN ĠKe efe ĠAlleg heny ĠSUBSIDI ARY ĠBloom ington Ar izona ĠHe aldsburg Ġinj ury ĠBill ings Lim it Ġschem es Heritage Bank ĠXX II ĠBy ron ĠDO E ĠGreens burg Ġdeline ate Securitiz ations Bl anket Ġcalib rated neg otiated Ġreocc urring ĠBarr on Pl ainsCapital Ġrecons titu ĠPAR T Life time ĠPlace ments Cent ra Ġreappr aise ĠLynch burg ĠCirc uit Ġmineral s Ġaren as ĠMiller ton ĠStill water Ġsmart ph Amortiz ations ĠNR V ĠDB F Ġresili ency ĠASS UMP Ġconfig urations Ġdeno vo Pred atory ĠEV P ĠVer non ĠContrib utions Season al Ġampl ify Ġrelig ion Ġdisap po Ġwel fare Intern et ĠAnaly tics Oce an Oce anside Ġabate ment Ġmonop oly Ġmonop olize ĠWash tenaw Ġceleb ration ĠPow dermill arke ted indic ate Ġove restimates ĠSI LO exam ined ĠSing apore ĠPut nam ĠOPP O EXPEN SE ĠPUR POSES exten sion terror ist Ġpreemp tive Jo int Ġsear ches Ġrecl assed Ġdisregard ed Divers ifying ĠCold stream ĠMes a Neg atively Ġwall et ĠLTC P ERIVA TIVE Ġanch ored Ġvan illa ĠNU VO Ġpostpon ed ĠNeigh bors Cour ier Ġdestr uction ĠGra ham ĠCOMBIN ATIONS Writed owns Ġreex amine Ġaspir ations ĠSup reme ĠLis bon Ġnotic ed ĠDIVESTIT URES dev iation ste ep Ġcamp uses Ġrewri tes quef iable ĠDall es ĠBoc a ĠAthe ns ĠRATING S Ġplaus ible Ġrecordkee per ĠWHB AA Consider able ĠMidloth ian EFFECTIVEN ESS ĠASSUMP TION " - + " , '' A CE A veraging A OCL B LE B PA B orel C U D BO D Ms D arling D EFERRED E VB F DI F ocusing G overn G lobal I OLTAs J efferson J une K ern K SOP L LC L INE M and M IN M inn M isstatements M MDAs N ear N agn O p O range P AST R IT R ainier S ame S IPC T F T ake T CR T LG U PE V SP X ED Y NB a ulted b ottom c oun c ustom c ussion c ades d el d istrict d urable e emed f ile f rees h ave l ast m er m icks n ately p olic p ond p ower s y s ugg u yl w es x v y ville z ing z ed z ata in ex Ġt ear re liance re priced Ġo mits on ference Ġin nately te vant ti ment ti sh er ance en burgh en abled Ġf iduci es tion es ter Ġm p Ġl ading it ude st yle Ġto ll Ġre per Ġre ject Ġb ig Ġb ars Ġd ip Ġd ry Ġw ear Ġ20 90 ur ial ur tevant Ġs olving Ġe licit Ġas sts ill on Ġn il un observable un eration Ġr ipple qu asi qu estion im age im micks Ġ3 78 ĠC any ĠC uc ĠC act ĠC OP ĠC IBC ĠC ertus ĠD onald ĠD etroit Ġh all Ġh acking Ġh arbors ance yville Ġac qu Ġg immicks Ġpro t ue l us o Ġbe long Ġres h her st her ty est yle end erson Ġad options ĠF ull ĠB U ĠB re ĠS CS ĠS ISA ĠS VS Ġli bor ĠA CE ĠA Advantage Ġrep licated nt urns Ġmar itim th ousand Ġnon durable Ġsh ipp Ġcons pir Ġinv aluable ers haw ect ual Ġun balanced Ġun appropri ĠN ATIONAL ant ly tim ulus ĠT W ĠT op ĠT PCDO ĠT UPE fer ing ĠL EVE ĠL ENDING ĠL ONG ĠL ubb ĠR D ĠR EN ĠR ice ĠR avenswood ĠP ages ĠP IN Ġind epend ater s ĠM ond ĠM axim ĠM ERS ĠM ismatch ĠM itche Ġtr inomial Ġen umer Ġover due low ance ĠO uter ĠO WM Ġab st ugh ry enc er od ore ĠSt ores ĠSt urtevant Ġstock broker all on Ġup loaded tu arial Ġ4 16 Ġ4 48 Ġ4 53 Ġ4 93 Ġgener ator ĠE ss ĠE DP ĠE DF Ġstr aining Ġout perform struc tured ĠJ asper Ġtrans mit Ġ5 35 Ġ5 85 Ġ5 73 ĠU CC ĠU SPAP ves ter ĠLo ughry ric ate Ġrem uneration For bearance up ward Ġ6 23 Ġ6 38 Ġ6 88 Ġ6 78 Ġ6 99 ") ;. Ġ7 28 Ġ7 75 Ġ7 80 ĠG as ĠG SA ĠG ABC ĠG TCR AS ANT Ġadequ acies ĠH oll ĠThe odore ens ated ens burg Ġpur port Ġdef ray RE AL Ġpreferred s ĠAs ians Ġmethod ical ĠV ICE ĠW ake ĠW RIT Ġgr id Ġappropri ations Ġint ricate Ġman ip Ġman power Ġcompe tency vers ible ĠAc quirer Un paid Ġgro ssed CO ST CO VERED Ġ19 55 aw a Ġlocal ized ĠRep utation ĠY A ĠY anceyville ĠCon servation ES T ress ive Pro sperity Ġref ocusing Ex it Ex amination Ġshow case Ġdid n Ġ18 39 Under writers ĠLe on ĠQ I ĠQ ues LI ATED Ġconver ged Ġlast s Bank Direct Ġnational s ĠAm herst Res pond Ac tuarial ĠIN DIC ĠIN DIV Ġvers atility IS SION IS TRATION Ġsen timent ĠAd dis ann ock iqu e pre payments ustain able Ġdisp laced Ġtransfer ors Ġtransfer rable Ġ28 2 Ġ50 3 pric ings AB L Ġwork load Ġrai sers ĠK ings ĠK ershaw ĠCar uso CB F pro fitable Off site Ġagricult urally ĠDe sert amp ed ĠNorth umberland Ġsa fer 06 25 Ġattr actively Tax ing ĠHold ers LC R Ġparent he ind ividual Ġdel isted Ġconf usion ĠSouth co Ġnonc ollateral Par allel ĠAl to Ġve get Ġdemonstr able Ġheadqu arter tle ments ĠFIN A ĠFOR M ĠSuper storm ron ym rid ing Dec line Ġstar tu ĠWh it efin ing Ġbl ack Ġbl ends ah annock ID C ID ENT ID UAL Ġaccommod ated Ġfavor ing comp etitive comp ensated estim ations sub totals FI LIATED Ġheav iest Ġdepositor ies TA YC Ġclim ates Ġafford ing ĠEX ECUTIVE con formance ĠCor ning Ġdele veraged Adjust ment ĠAff ordability ĠOB TAIN Ġconstr ic Ġconstr ains ĠNB FS total ed VA DMs Ġsemi annual emor ial Trans actional ĠCOMM ON ĠCOMM ISSION En d OCI ATED Ġdisallow ances Origin ating ĠVol kswagen Ġalter ation Ġtelec onference Group s ĠAD MIN ĠSp encer Ġarr ays Dif fering Ġinvestig ated Ġaid ing ern ization Employ er cont rollable app ahannock ĠON LY Ġremed ied Ġbifurc ate ĠAppro vals CA GR ĠMor g Ġscrutin izes ĠCas cades ĠMod ernization Ġrepos itory ĠKey Worth Ġbod e Ġevol ves servic er ĠAssum es Ġquot ation ĠZ ones ĠBrook ings Ġsuc c ĠSC MC ĠWITH OUT dep ending Ġhundred th EL IN car ryforward Issu ances ĠPRE TSL ĠDec lines Ġmil o ĠStr atification ĠWar wick Ġaffirm ation FB CC FB EF Rem inder Ġfal tering Ġlev y ĠMc Nagn Ġbi ased ĠRussell ville ĠWay zata ĠCap tive ĠCap aha Ġnoncont ractual Correspond ing Emp hasizing lock s main tains Ġsubsid y Ġsubsid ed Ġsubsid ies Ġtri p flat tening Ġinstruc ted ĠMagn itude ĠBar rett ĠMil itary Less or ĠDak in sim ulate Categ orization Ġfeed ers Ġentreprene urial ĠCd o ĠPine hurst delin quent neg oti Ġtal king def icient def aults Ġabandon ment ĠPRES IDENT Cl ark Ġnull ified ĠHard enburgh Ġign ore ĠSever al ĠSever ity Ġrecalcul ating ĠEFFEC T Ġanalog ous Ġirregular ly ĠREQU EST Ġnewspaper s ĠHy ler ĠRece ipts ĠScot tish ĠASS OCIATED Head count Ġhal ted ĠOx nard ĠRECENT LY ĠTH IS ĠHon or Ġarbitr age Ġsynthe tically Ġaffidav it ĠGE MS Ġnoncon formance Ġvigil ance ĠOl ive ĠChap el Ġroyal ties ĠDoug herty Intern ational ĠSch uyl ĠBrand ywine YE ARS Ġrevital ized ystem ic commission ed ĠInf inex ĠHern ando ĠHern don Recru iting ca using ĠPor ter Ġinterview s Ġirre versible Ġembod ied Dow nturns ĠFOC US Ġdraf ting PAR T Ġperv ades among a ĠGard en PAC s Ġclin ics Ġrelinquis hed function al Ġcontam inated Ġdisrup ts ĠDIREC TING AIM I Ġod d Ġsan itation ĠAR PS ĠJap an ĠMartins ville Ġembr ace rimin atory ĠDans ville ĠCompl aint ĠMechan ics Ġenl ar ĠWai ver Ġintell ectual Bon us Draw s Ġsty ling ĠAF FILIATED ĠEth ical ĠAmb ac spe aking Ġpate nts access ible Spring field Requ ests Ġterr ain Ġendorse ments Ġretren ch Ġcalam ities promo tional ĠINTE X Ġmerchand ise BLE M Govern ments Mand atory cussion s frees boro sugg est wes banco Ġfiduci aries Ġreper cussions question able ĠCany on ĠCuc amonga ĠCact us ĠCOP Y Ġmaritim e Ġshipp ing Ġconspir acy Ġunappropri ated ĠTUPE LO ĠLEVE L ĠLubb ock ĠREN ASANT Ġindepend ents ĠMond ay Ġenumer ated ĠEss ick ĠHoll and ĠWRIT TEN Respond ing ĠINDIV IDUAL ĠSouthco ast ĠOBTAIN ED ĠADMIN ISTRATION ĠMcNagn y ĠSchuyl kill ĠINDIVIDUAL S % " / . 2 000 : ( A O A a A ugust A VAILABLE A ldine B ear B udge C WS C PR C PC C ertification D ay D over D urbin D FAST E ast F ast F AM F ounded F itch F ERRED G old G RA G lossary H PA K EO L ATION L ONG M VA M emorandum M PF M astermoney O ctober O BS Q M T X T LF T OT T reatment V III W ide W ork Y et a ill a uto b l b od c le c hec c hemical c riteria d ual d ress d rop e ysville f urther f ires h oc i et k ley l ocations m easures m arketed n or n ers n ib r atic r actions s ummer s ticky v ari w ist w ash Ġ HLBV in tern Ġt ap Ġt une Ġt aker re ti re view re tention re quiring he ws an i an tification Ġin efficiency se gments ti um er ous or tive or tium es sees Ġp un Ġp il Ġl ure Ġl lowance st age st ubs Ġre authorized Ġb ust Ġ2 89 is sed Ġw on ur o Ġs at Ġe y Ġinc lement Ġn uts ly mouth as m red emption red eemed ve xity Ġr ally ation Read Ġth ing im en Ġ3 46 Ġ3 51 Ġ3 81 Ġon erous ĠC lo ĠC ock ĠC umm ĠC ybersecurity ab o Ġde grade ol utions Ġse at Ġse ats em ptions ac les ac kets Ġh olid ear cy ort ment Ġpro xies il ver Ġv iv Ġv isa Ġv ineyard Ġby laws Ġres ignations ain ting est ration ir able end all Ġst reet Ġch airs ĠF ield In effective In effectiveness ĠS H ĠS AS ĠS IF ĠS choles ĠS app ĠS aver ĠS afety ĠS ONYMA ĠS earcy ĠA OC Ġrep ublish nt ry nt ario Ġmar ital row n ust av Ġnon pledged Ġcons ortium Ġle ap ĠBank rate ĠBank Financial ub lished Ġapp raising ch apter Ġqu asi ers burg Ġun met Ġun true term ath ĠN orm ĠN WB ĠN ationally ĠT ur ĠT emp ĠT ifton ĠL ate ĠL ocations ĠR CC ĠR iding ĠR ipley Ġsub chapter ĠP inc ĠP aper ĠP URCHASE ĠP leasant ĠP lymouth ĠM P ĠM en ĠM aterial ĠM HC ĠM uscogee Ġass ortment Ġtr uth Ġen v Ġover arch Ġover states ĠO X ĠO rit ĠO TT ĠO ntario ĠIn troduction rec ent rec apture tem pt interest s iden tified Ġpay stubs sen ior Ġhe ating Ġins pects Ġins ulating ble head Ġavail ed Ġavail abilities ĠNo ted ong alia Ġ4 13 Ġ4 26 Ġ4 29 Ġ4 89 Ġ4 51 Ġ4 72 ai ian Ġgener ations ĠE stablis ĠE conomy ĠI PS ĠI FC ĠI rene tiv ated ag encies Ġtrans ports At tempt Ġ5 36 Ġ5 56 Ġ5 77 Ġ5 95 Ġ8 34 Ġactiv ated Ġbelie ving Ġatt ack Ġ6 24 ĠRe y Ġ9 50 Ġ7 63 Ġ7 83 Ġ7 02 cal iber ĠG TS ĠG MAC ĠG lossary ĠG ustav Ġcan nib Ġshort coming op ts ĠH omogenous ĠH ato ĠH TLF Ġfull er Ġdef ended Ġtw in RE CONCILIATION li ents po ints Ġmaterial ized Ġbr ackets Ġsp i Ġsp ir sid ized Ġrecover ables ĠV an ĠV ic ĠV ero ĠV ineyard Ġdemand ing ĠW ight ĠUn audited 19 95 ĠMar l Ġutil izations Ġpolicy holders ĠTr ape AP BO Ġinvol untarily par ts ĠEx pectations ĠEx clusion Ġshould ers ĠAn ahe An ticip Ġ19 29 Ġunderw rote ĠBanc Ware Ġgap ping AN CH ĠCh ino ĠCh rist Ġlocal ities ĠRep resentation ĠHome Loans ĠCon way Pro gram Pro active Pro hibition Ġred und Ġdist ance Ġdist ant Ġref use Ex perienced IN S AR OC Ġnormal izing ĠNon residential ĠNon current Ġ18 48 Ġ18 53 Ġ18 64 vic e ĠInc om ĠInc reased ER TAIN ĠCD AR Ġsupp ortive Ġconn ect ĠPr inc Res ources ĠIN TRODUCTION EC C 200 1 ĠLI FE Con tem ĠServic er NB I ĠSub ordinate emn ifications ĠAr ray Ġrein corporation BS A BS EQU Capital Bank ", . tention ally ĠInd emnifications Ġpress uring Ġ80 9 Ġmis sing Ġbetter ments ĠK nown ĠK endall ĠCar lo int age pro jections pro spectus Ġcounter parts Rec apture ĠRec ap ĠRec ourse ĠTopic s Ġfunction ally Am ended Ġdifficult ly Ġapproxim ations sh ared omin ately ĠDep ending Ġte leph Le an tead y ĠFair haven Ġredeem s ĠEVE s more land Ġback drop gthe n LE ASE ĠWest bury ĠWest moreland Rep resent Par ticular ĠMat hews Ġcyc lic Qu antification ĠSec ur OP OF ick ory Ġinterchange ably ĠCo venant DI G SA G Ġconsum ing ĠPl u fact or Ġviol ates qual itative ĠOld ham efin itive Ġstead fast VB I tr iggering arg est ins ignificant Ġfootpr ints ĠMon ongalia Ġformal ize ĠApp le ĠApp rai ĠComb ined sub tracting sub sidized FI LE FI MAC FI RREA FI XED Ġeduc ated ĠFNB R ĠDel iver eff ects Ġcle ars Ġerr atic lim it lim ate ĠRiver view period ic Leg ally Ġreti ring ĠOne Webster ĠGreen e Not able ĠStep hen ĠTR uPs ĠCF Ps ĠMan ual Ġuncon ventional Ġdistin ctions ov ationRead Four teen ĠMB J ĠMB WI ĠCl ay ĠFl uctuations Ġunde restim Ġport al Ġneutral ity Community One ĠEQU IVALENTS Ġpropos ing ĠLake land Ġsign aling ĠTri Net Super visory Reg istrant Ġprelim inarily ĠX III Excess ive Ġterror ists app raisal Strateg ically Ġcut backs Ġchannel ed ĠAppro priate ĠTechn ological ĠWith drawn ĠDis posals Ġshr unk Ġadap ting ESS MENT Segment ation Ġreward ed ĠMod oc ĠBlue field Ġencoun ters origin al ĠKey Bank Ġexc iting Private Bancorp Mod els Mod erate ext ura repre sented UB LED ĠColl ections ĠSm art PC NR NR SRO Ġdev alued Ġopportun e PM I Ġrenegoti ations ĠMin eral Ġcorrobor ation foc using ĠFF O ĠFF KY Ġappeal ed ĠRef ers ĠFBB MRE ĠWS J Ġ==== = ĠTC Bancorp Ġdisl ocated PG FSB ĠMc Lean North western Ġ======== . Ġtab ulation ĠSimp son DC M ĠAlleg any Ġunw ound Ġarm s ĠKing dom So ft Emp hasize ĠIr mo ĠIr ma igg y ĠPRO FILE ĠAlter a Ġdisin flation Ġtri ed Te am Ġprecipit ating Ġsubmission s ĠENB A Ġdiscour aging Ġadvise ment rill is Ġvo tes Ġengin e Ġdeserv ed Ġadvertise ment Ġbullet ins ĠBH BC ĠGl end Ġscorec ards appr aised Ġlangu ages ĠLas sen Counter parties ĠJones boro Ġguard ians ĠVers aill Ġarch iving occup ants Ġinev itable Ġpetro chemical ĠDenom inations OPER ATIONS Medi an vol untary Shor tened ĠNe eds QSPE s Fac ilities ĠBrin kley NOL s ĠCre fisa Ġacre age Ġextr acts Em bedded Ġundes irable ĠASS ESSMENT Ġtox ic ĠBry an ĠHV CRE Ġconfig uring Ġconfig uration Penal ty categor ization Pred icting ĠLad y ĠVer ification Ġnoncon vertible ĠCr an ĠOl athe Reprice able Ġpropri ety Ġcooper atively ĠGar rett ĠClear water ĠAnaly ses CCB G ĠRFC T ĠPan ama Indic ations Indic ators ĠMcC rillis Back ground mid dle ĠBM R ĠPa ul ĠGo als Ġautonom ous Ġkeen ly Ġreaffirm s Ġacquir or Ġacquir able Inten tional ĠNH TB STATE MENTS STATE MENT Eigh teen Roll ing Ġinaccur acy Bo one SW CB dif ferent ĠCV CY ĠFe atures Ġendow ment Sur plus ĠRETA IL ĠEldred ge ĠRestruct ure MERG ERS ĠFar allon ĠOK SB ĠOtt awa Ġexhaust ing stri ke Ġbail ment ĠTurn around Ġrecep tive ĠHob art Ġrobber y Ġanomal ies Loc ally Ġobst acles sign ing Ġincap acity ĠEg remont ĠPeak s depreci ating Ġdetec ting Ġscholars hips Absolute ly Ens uring Har leysville Sustain ed Ġaf termath Ġsing ular ĠElev enth Ġbackst op ĠPeach tree Ġreconstitu ted Ġveget ables ĠMorg antown ELIN QU Budge ting KEO GH TOT AL bod e chec ks ĠCock eysville Ġholid ays Ġviv os ĠSIF A ĠPinc us Ġoverarch ing ĠOrit ani Attempt ing Ġcannib al ĠTrape za ĠExclusion ary ĠAnahe im ĠPrinc eton BSEQU ENT ovationRead y Ġguardians hips ĠVersaill es ) * + , 8 125 B BCN C RO C ustodial D DM D DAs E ntry F acts F IS F inanced F CIA F CFA G C G IS G raystone H S H ull H arbor H PC L umina M ac M ich M ismatch N ond N GFS O z P ress P CE P RO P URCHASE Q A Q E R un R ule S H S m S an S undry T own T OR U FBC U TBs b illion b ond b argain c end c ards d y d imen f ill f ish f inanced h o h on h av h ods j ective l eting l ishes l ift m s m ail o ia p ol p el r ary r atings s hareholders s overeign t un Ġ { in tegr Ġt ank Ġt icker re quired on se on ado Ġin efficient Ġin separ er on er by en h en acted Ġf ancy Ġf avors Ġp aced om field ar ce ar ie Ġre opened Ġd ys ate o ate ment Ġ2 98 ec e is se Ġw it Ġw ild Ġs orted Ġ$ $ Ġe minent ill s anc he un ization un safe as y as ca rest atement Ġ3 36 Ġ3 57 le af ĠC E ĠC DR ĠC MA ĠC yc ĠC RP ĠC aa ab ric ĠD IG ĠD illon ĠD erby ow ards Ġh osted Ġpro sper Ġcomp ose if ted her lands Ġch ild ut ors Ġ1 365 ĠF RA ĠF CIA Ġwas h ĠB I ĠS ide ĠS equ ĠS PA ĠS ummer ot ally Ġimp ute Ġimp oss per ial ĠA ur ĠA reas ĠA EB th ing ari en ap ing Ġnon deductibility Ġnon authoritative Ġpre jud pp ages act ual oc ol Ġsh ield ds or Ġun ison Ġun assisted Ġun paralleled ĠN arrow ĠN GFS ĠT I ĠT CD ĠT HA ĠT appahannock ĠT iet am ber ĠL BO ĠR af ĠR ican ist ory ĠP PB ĠP ositive ĠP erman ans ing ĠM MA ĠM ears ĠM unicipals ĠM SL ĠM ateo Ġtr acts Ġag es ard town ad ium str acts Ġover state ati vity Ġall otted ĠO AO ĠIn termediate Ġmortgage es Ġrev aluations Ġrev oke ĠSt orm su per cent ric Ġhe ar ior al Ġprovision ed ong ated Ġ4 14 Ġ4 65 Ġ4 43 Ġ4 99 Ġ4 71 quis ites erm issible Ġdo ts ĠE CONOMIC ĠE asy sion al ĠI ron Ġout lying ĠJ OH over ing Ġ5 10 Ġ5 55 Ġ5 74 ĠU til ĠU sing ond erance ĠLo veland Ġ8 30 Ġ30 6 Ġrem arke Ġgu ess res h Ġ6 46 Ġprep onderance Ġcar go Ġ9 37 Ġ9 75 Ġ7 14 Ġ7 66 Ġ7 87 Ġ7 74 Ġtransac ts ore field ĠG lac AS ING cul tural op ening ĠH enderson ĠH ickory ee gan Ġattrib ution Ġattrib uting ens ible Ġsc ams Ġdef ensible RE MIC Ġrepric able Ġeffect uate Ġstat ue Ġdem ographically Ġthir ds ĠV ict ĠW rite ĠW ARR ĠMar blehead Ad ams lement ing reg ulated Ġunre mitted ĠAc ceptable par ks ĠEx cellence ĠEx ecutives AL T Ġ90 9 TE Y Ġel ongated edi ation Comm odity Ġcred ible tax es ĠCh amber Ġinter acting Ġinter locks Ġinter pol Ġdis hon ĠRep ayment orp lan ĠCon current ĠState n ES F Re insurance Ġred efining Ġdist urb Ġref ocus Ġflo orplan Ġobj ections Ġpublic ation Ġpublic ized Ġ18 97 Ġaccre tes Ġimm ature Ġimm unization ĠLi very ĠNet herlands Ġpred atory Ġrespect fully Ġspecial ties Ġspecial ization Ġsepar ating Ġwrite off ft on Acc omp Ġaud ience ĠAm Trust Ġexec utors rap eland standard ized Ac ts Ġsel ections lus ter ĠSu isse Cons ists ĠAd equ ĠAd vice Ġprofessional ism Con vexity night stown Ġfore most Ġdisp lacement ĠSub committee Ġsatisf actions Capital ization ĠImp acts Ġ40 3 Ġ40 6 Pre paying ple ase ĠK ane ĠK eegan ĠK nightstown ĠCar ried pro cessing Rec ord Rec lassification Ġmeaning less ĠDep osition Ġte ll Ġ60 4 Inc lusive ĠNorth West Ġsa f Ġsa vers Ġframework s Le vels LO SED Ġfirm ly ind ings imp act imp airments Ġsurren ders ĠSouth ampton Ġ38 804 ĠAll otment Ġprec autionary ĠAcc ords ĠAcc urate Ġelev ation ĠSh ale den ominated IE D ev a ev in ĠSuper cen ĠCo x iving ston RO ATE de fer Ġlack luster ĠIssu ances be hav UM ER scrib ed inc entive Des ignated ĠST REET ĠGen eva Ġoptim ally ĠCO RE Some times ĠAb stracts FOR D New Bridge head quartered Time ly Ġdowns ide Ġstri kes sub stantial POS URE ĠHaw aiian Ġvac ating RA TIOS Disc ussed Disc iplined rel ating Ind iana ĠEX TEN ĠEX POSURE Ġsolid ifies ĠKent on CON D Ġcour iers ĠCenter ville ĠUnder writers TC JA ĠCB IN ĠAff ected ĠOp al cons idered ĠPrincip le Ġrepair ing ĠEN KY Fluctu ation Fluctu ating Ġcross ing ĠRich ard ĠNB OH Second arily Ġdict ating ĠMB PW Ġdepart ures BB B ĠOak tree Trans it go als des igned Ġfulfill s ĠDetermin ations ĠLake wood Ġisol ating ĠAD JUS Ġarr ives REC LOSED ĠMont pel Ġtur ning ĠCam eron ĠRed mond ĠMAR CH Receiv able Ġpresum es Ġpreserv ed ĠMOU s rep ossessed ĠAppro aches revoc able ĠDis aster Ġ825 25 ĠOrgan izational Ġdeep ens adv isory Ġreasses sing run ch Ġwa iving att acks .' ' ĠHar ford Ġaim s ĠBP VI ĠOb servable ĠOb server ĠZ ion Ġmotor ized ĠBrook field gu arding Techn ical IR LC ĠSte ering Ġappoint ments Ġhundred s ĠWin dsor Ġintens ity car ries assum ed ĠDec line ĠDec lining Ġsto ppages Ġuncomm on cyc le Ġfraudulent ly Br and Ġrigorous ly Watch list ĠHills borough ĠStr and Report able ĠLim it Ġharm ful ĠPB HC Ġfurnish ings Health care Ġ======== ================================ Ġnoncont ingent Safe guarding ĠBet hel ĠSecond ary ĠKe lly aug a TRU P main taining ĠPRO GRA Ġdirectional ity ĠIt asca Ġsequ estration Ġdiver gence Ġrebr anded Ġincons istency Alt a predict able ĠMed ina ĠPresent ations ĠCres Com Ann ounced Ġ210 45 Aff inity Amer i Amer is AG GREGATE delin quency Rock land neg ie Coast al ĠRF CBC Ġentit ling BANK ING ĠSent ry ĠRoll ing ĠIMC R Ġreinfor ced Ġreinfor cing ĠBer wick rollover s ĠCom erica ĠPers pective Cl ar ĠXXV II Def aults ĠForest ville util ity ĠHard eman BHC s Ġcriticism s Ġhind rance prov ide Fac ilit ĠUs age stat us COMPON ENTS Ġincon venience Season ality ĠCro fton ĠBack ground Ġdism issed aver ton Ġhards hips deriv atives Ġenroll ments ystem atic ĠCiti bank ĠWash oe SNC s lev ated uther ford ĠIm perial Del ays ĠPor tion Deflation ary Promo tion Ġirre levant Eigh ty IZ ED Mo orefield Mont chanin ĠLag una Ġinaccur acies Ġfeat ured ĠELE MENT Ġdissatisf ied Ġdissatisf action Conn ect ĠPike ville Tim ing Ġacquis itive Ġups cale Prospec ts Ġdismiss al Ġundersc ores Sc ope Stat utory CONCENTR ATIONS Ġstretch ing Ġrecharacter ization Pur suing Ġdece ased Ġdiscern able bre vi Ġfur the Ġmem o Ġreconf ig DEC RE Scen arios Ġcro ssed ĠNav asota Fi serv Ġpair ing ĠTRO Y ĠWac o Ġdisse min Ġdisappo inting ĠLeon ardtown ĠWhit man Ġenlar ging Ġretrench ment wash trust review ed Ġsat uration ĠMen tioned ĠOX FORD Ġspi ked ĠApprai ser iggy back ĠCran ford Oz ark dimen sional Ġinsepar able Ġwild fires ĠCyc les ĠSequ oia ĠSummer ville Ġimposs ibility ĠTHA T ĠTiet z ĠRaf ael ĠPPB I ĠPerman ente ĠMSL LC ĠJOH N Ġremarke ter ĠGlac ier Ġdishon ored ĠSupercen ters behav ioral ĠMontpel ier % % ) ' ; / A mp A vo B R B re C ed C are C ult C lose C ountry C atastrophic C GMI D or D ependent D GHM F act F PB F TC F ACTORS F ifty G winnett H a H ARP H FI I X L in L aw L PO L BHI L essees N CB O AK P K P lus R iver R estatement S ch S udden S VA S CSB S JB S ignature T or T AB T CB T BC T arget V M V IR V olumes Y PO Y adkin a ic b ey b by c ross d ocumentation e lig f s f ix f dic f iled g ood h ard i ken k ane l ord m ust m ixed m ortgages m otels n ey o h o o p ull p icious r ances s l s ur u Net v acant w or w id w arrant z eman } ) in te in duc in to in stitu Ġa like re organ he lp Ġo mnibus on ing an ating an ish Ġin land Ġin hib Ġin elig te Bear ti ers al ong Ġc ab Ġc iting Ġc hemical Ġc runch en ous en force or sed or ious Ġf ess Ġf ax Ġf ide Ġf als Ġm ap Ġl uc Ġl ake ar se it age st ating Ġre ro Ġre established Ġb aring ate ver ate au ll o Ġ2 118 is ure Ġw anted Ġ20 52 Ġlo bby Ġs it Ġe ager Ġe Commerce ro red Ġfor tun un iform as ul The ore qu arie at ri at com im ally Ġ3 59 Ġ3 79 Ġ3 99 Ġ3 87 Ġ3 73 id ay id bey ĠC IT ĠC RM ĠC lient ĠC GMI ĠC LASSIFICATION ĠC limate Ġde ter ĠD aw ĠD arien Ġse to Ġcon v os ho Ġh og Ġpro sec Ġpro of ter don Ġcomp iles Ġcomp lim Ġv iney us age if ax if ting Ġres old Ġfr uition ig gins ig enous est o est ine end ations ĠComp uter ĠComp uNet Ġco oling ĠF V ĠF IB ĠF IL ĠF CW ĠF NCI ĠF RC In spec In tr und y ĠB CB ĠB VB ĠB undy Ġwh atever omm endations ĠS po ĠS eb ĠS AR ĠS IM ĠS ne ĠS isters ĠS elf ĠS timulus Ġim aged ce ption per iods ĠA po ĠA ware ĠA gee ĠA VMs ĠA QR ĠA iken Ġrep atri iv ity ie u th age ap artment Ġnon member Ġpre qual Ġpre rog ang les Ġle isure Ġend orsed ĠBank Direct pec tively ers ville ect ric Ġun rest Ġun occupied ĠN CBI ĠN Transit ls bad ĠT IS ĠT HI ĠT roy ĠT errorism ĠT extura ĠT otally ĠL IS ĠL SA ĠL VSP ĠR NB ĠR BS ĠR enton lo o lo it Ġsub service Ġsub leases ĠP U ĠP end ĠP residential ĠP MP ĠP once ĠM ig ĠM AN ĠM LC ĠM aking ĠM EF ĠM iscellaneous ĠM CM Ġpo tent por tional Ġunder gone Ġcost lier Ġoff shore str atum Ġcoll ision ĠO wed ug a Ġab et Ġ" , We re ide line Ġrev aluing fl ight Ġpa ired our cing to o tu ses tu itive Ġob vi Ġ4 30 Ġ4 28 Ġ4 34 Ġ4 21 Ġ4 31 Ġ4 68 Ġ4 82 Ġ4 74 Ġany thing ĠE L ĠE specially ĠI C ĠI S ĠI deal ĠI CA ĠI OLTAs ag ers ĠJ ust out flows Ġevalu ators Ġ5 46 Ġ5 49 Ġ5 89 Ġ5 54 fe els ĠU sed Ġ8 13 Ġ8 37 Ġ8 45 Ġ8 62 Ġ8 53 Ġcateg oric res pectively Non parallel Non revolving Ġ6 11 Ġ6 45 Ġ6 48 Ġ6 75 Ġcar pet Ġsu ed Ġ9 15 Ġ7 13 Ġ7 37 Ġ7 55 ĠG SCP AS P Ġoblig ed op s op ed ĠH ones ĠH otel ĠH elf ĠH istory ĠH YPO Ġfull time ĠComm ons Ġsc arce RE VIEW Ġmeasure able Ġdem ol Ġsp un osses sion ĠV ehicle ĠV ictory ĠV FAM Ġal arm ĠUn ity ĠUn allocated Ġsell able Ġcategor izing ĠMar k ĠTr acy ĠTr aded ĠTr igger TI S ex clusion ex ceeding Ġcompe lling Un advanced Un collectible Ġcompany wide AL SC ĠPre mise ĠPre vention Ġset backs ew ater Ġcap let Ġfin ishing Ġ19 30 Ġ19 66 Ġcharacter ize ĠSer ving ĠCh un ĠCh urch Ġsched uling Ġpers isting ĠCon str ES SED resp onse 48 27 Pro portional Ex traordinary AR K Ġnormal ization ĠNon recurring ĠNon accruing Under lying ĠRes ale min im min imum Ġland lor Ġland lord ĠInc lusion ĠQ E ĠQ BS ĠQ ZAB TS B ring e Ch ittenden Ġmultip ly Ġsl iding St ability Ġren ter Ġren ders Ġunf illed ĠPr omo Ġexpansion ary Ġdecision ing Res umption Ġpurpose fully ĠSB B ĠSB I Ġable Banking ĠIN CRE lus ivity Ġcollec tib Ġslow ness Con firmed Ġsur pri Over drawn ., . Ġprospec tuses Fr actional Ġfre ed Ġrenew s ET ICAL Ġmis jud ĠAmeric as ĠK lu ĠK evin ĠCar thage ĠCar lsbad Rec orded ĠRec overability Fair field ĠWes ley ĠFor bearance Ġview point Ear n Ġclaim ing Ġ60 8 Frank lin Ġem anating ĠRegul ators Ġfew est Ġback room house hold sc en sc ored HE LD ĠFr iday ĠInter states UL AR ĠOn line ĠMac au ĠMac quarie Ġprec urs Prof its ĠSuper Center ĠCo hen Ġprohib itive SS ESSED ĠMet avan ĠMet hods ypothe tical ĠSal ina Ġmoder ates Ġflex ibly UM G ĠRES IDENTIAL TR UCTION TR UST ĠWh atcom Ġavoid able CR ITIC DITION AL Ġformal izing Ġext rem Ġdowns ized Ġelement ary Ġmerit orious ĠBu ys ĠBl air comp onents ĠUnion Bank ACT ICES ĠUS C ĠCW MG ĠDef ense ĠMain tain man agers eff ort Ġinfrastruc tures Ġuns ystematic Ġsubmit ting ĠWil kes Assum ption con venience udge ted Mat rix ALL Y oper s ĠPR ICE ĠPR ACTICES TH S TH ETICAL ĠPublic ly evalu ating cons ulting Ġconstruc ts Ġconstruc tive Ġk ick Ġ/ - ĠTR UST ĠNot asul ĠCF BC Ġoccasion ed Ġlengthe ns Ġpop ulated ĠPh ase ĠPar ity ĠPar tial ĠPar ticular Pen insula ĠMe adow IL D Ġ* * Ġpromul g CS V ĠEff ectiveness ĠEff ingham En tering Ġla undry ĠFI RREA Ġnegoti ates aren teBear dec ay dec reasing dec isions Ġremedi ations VF A ĠNSF R Ġportray ed Ġsign ifies Step s ĠSpr ain ĠEl ectric Person alized ĠLE GIS Ġinvestig ative ĠMont chanin ĠNY AG Lease back Ġanti dilutive Ġcult urally ĠX IV Ġexact ness Coll ected expen ses cont raction app lication Ġcancell able ĠNA IC ĠEmploy er PROVISION S CA O capital izing Ġmort ar ĠMor r Ġdeep ly Accrual s Ġscrutin ized ĠMod esto employ ees Cal First ĠPass aic Ġbod es Ġadapt ation ĠHar ry Min utes nov us ĠRen ovationReady gu ideline Ġdispropor tional ** *. ĠAnd rew Ġblock age Ġalle ging ĠMin imally ĠCall able ĠPRE FERRED ĠDec reases ĠPL AN Ġprioritiz ing ĠFC Bank Ġrelie ved ĠAB A ST AR EF T Ren ew Mutual Financial Ġhour ly Ġacknow ledged Dis ruptions Rem o ĠArrow ood Ġmir rored Ġtransl ating Tra vel ĠTBO C ĠGold leaf Ġgran tees Ġenjo ys Ar ray ĠFO RECLOSED Ġdepic ting ĠSE BS aper ville ĠHun terdon ĠWilliams ville Ġtri angles Ġtransfe red Ġtemp late Im mediate FIC A rece iv ĠBAS ED Ġrecoup ments ĠPal estine aly sts ĠCountry wide ĠPP FS ĠCC CO underw rite IDEN D ĠDemand s ĠMer idian ĠBuy er Ġconfl ict ĠHal ifax Ġlap sing cur rency Open ed Ġcer tifies ĠRF W ĠREPO SSESSED Maxim izing Ġhappen ed ĠNap a Ġthin k ĠPAR TY eli very Ġerod ing util ized ĠHard in Ġvic tim Ġsubstanti ated ĠLike ly ĠHead quarters counter cyclical prov ides ĠEd enton ĠNe osho Seven teen Fort y banc orp Station ary AD DITIONAL Ġrail cars ĠPRESENT ATIONS Ġvir tual Ġshel ters ws fs Ġfrag mented Comb o aum burg Ġsubscrib e Ġstagg ers Ġsew ers Explan ations bu ilt Ġ07 601 Oblig ors ĠTul are Ġabrupt ly TIB EX Ġgrandfather s ĠRET URN agree ment Ġrevital ization Ġ========== . Ġharsh ly Lake land ĠSy novus ĠStern e ĠRepresent atives ĠCoral ville ĠLuc ente Ġautonom y Ġove restim Inten se Ġexagger ates Ġfeat uring ĠELE MENTS ĠSBT PG Ġmal aise Ġshe ll does n ĠEli te ĠEli as Pers ons Ġske wed ĠMON THS Ġallevi ating Ġlitig ations ĠStark ville ĠGU ID ĠGerm antown prep ared Ġmisappropri ation ĠLaP ann Found ation PRE MISES Ġloo sening encomp asses ĠGall ery LIH TCF Priv acy ĠBR ANCH ĠSyl vester Ġlibr aries Ġplag ued Ġcounterclaim s riend ly ĠExten sions develo per ĠFE ES ĠACCR UING Ġunb udgeted Ġencumb rances Op inion ĠQues tion ronym s Ġstartu p Ġsucc umb ĠCumm ing ĠMarl boro Anticip ated Ġcyclic ality ELINQU ENT PCE H Ġwit ness ĠCE LC Ġprejud ice ĠChamber sburg Ġdisturb ances ĠAdequ ately ĠADJUS TM ĠPROGRA M brevi ations Amp le Avo iding Cult ural Dor al Fact ored TAB ULAR wor st induc ed reorgan izational Ġinhib ited Ġinelig ibility enforce able Ġluc rative Theore tically ĠDaw son Ġseto ff Ġhog s Ġcomplim ented Ġviney ards ĠFIL B ĠFCW M Inspec tions Intr insic ĠSpo kane ĠSIM ULATION ĠSne llville ĠSisters ville ĠApo llo ĠAware ness Ġprequal ification Ġcategoric al ĠHones dale ĠHYPO THETICAL Ġlandlor ds ĠQBS L ĠKlu ge ĠMetavan te CRITIC IZED Ġextrem es ĠNotasul ga arenteBear d wsfs bank ' , A llow A pril B enef B ibb B arring C re C ustom C ology C UR C losing C BSI C ERTIFICATES C MSI C ECL D ub D ivesti D GP D BA D efinition D ERIVATIVE E AL E levated F unded F MC G AN G VAs G NMAs H art H DA H TA H arbridge I MC J OR K DFI K nox L HFI M itigating N T N umber N YS N IACC O w O il O riental P IC P SB P IB P alm Q ueens R AP S EN S ound S IS S aving S pons S ystemic T BB V T V ac Y our a is a utomobile b rell c ratic d otal d irectors d oing d uty d inarily e al e tent f inal f aced f oward f illed f riendly g ill g aged h atan i ences j ection j unior l ocation l iving m il m ble n ont n ership o ont r ams s ource s States u ities u tively w ings x ic Ġ ; in et in cy in termediation in vesting Ġa ber Ġt ries Ġt ainting re vers re venue re serves re lief he y Ġo ans on na an alysis an bury Ġin ordinate al c al ty al lout Ġc raft or ters or reg or rstown Ġan ec Ġf abric Ġm ill ar ry Ġre acts Ġre balanced Ġre entered is ive Ġw id ur on ic acy un ton as c red a omp leted ge l ge ment rest on rest ated ts dale qu artile at te Ġ200 10 et ti et arily Ġ3 41 Ġ3 77 Ġ3 88 id gill ĠC ustom ĠC LD ĠC JB ĠC aps ĠC ERTAIN Ġde voting ĠD r ĠD il ĠD ut ĠD ental ĠD HC ĠD raft ĠD uff ĠD TF ĠD efinitive ĠD ELINQUENT Ġse m Ġse ized Ġse emed Ġcon veys ul sion ac oma ac ola Ġex istent Ġac um Ġg l ome ter Ġcomp ulsion Ġv ii Ġbe ach if estyle ig ma ain ted Ġexp ending end or Ġpr oration Ġst adium Ġch ron Ġco operating Ġad s Ġad mission Ġdep riving Ġdec isive ut ants ĠF PS ĠF NC In f um ph ĠB ear ĠB rit ĠB PA ĠB udge ĠB DO ĠB orreg ĠB reda ĠS atisfactory ĠS IPC ĠS igma ĠA PR ĠA chie ari b Ġacc esses ap equ Ġnon personnel Ġpre sales and ria oc ates Ġle aves Ġend point ers hey Ġprov ing ip s Ġun redeemed ĠN CW ĠN aperville ant om ls on ĠT hor ĠT occ ĠT arrant ĠT wenty ĠT wist Ġear marked am iliar am nb ĠL or ĠL ang ĠL ef ĠL ivest ĠL uther ĠL TIP ĠR outine ĠR utherford ĠR idgill ist own ist ressed Ġsub s Ġsub performing Ġsub leasing ĠP ens ĠP eor ĠP CMO ĠP help ĠP reston Ġearn ers Ġund isc Ġund etermin ĠM eb ĠM ah ĠM rs ĠM TC ĠM IP ĠM emoranda ĠM CT ortg aged Ġunder performed Ġag gress ard ue Ġcash iers %, . ad able Ġen list Ġover simpl Ġeff icacy ĠO g ĠO wings Ġappro vers Ġab ey ĠIn tentionally rec ast iden tity Ġrev ocation Ġmon etarily sen tial od els fl ash orpor ates all ocate Ġup keep our s Ġpl ateau As cend Ġins ignificance to xic Ġ4 35 Ġ4 32 Ġ4 54 Ġ4 85 Ġcl iff ach ing ces ter Ġcertain ly ĠI DA ag roup ĠJ OBS Ġ5 16 Ġ5 42 Ġ5 43 Ġ5 78 Ġ5 51 Ġ5 86 Ġ8 16 Ġ8 31 Ġ8 57 Ġrem odels acc ural acc urate Ġgu iding For gone Ġexperi ential Non refundable Ġj ump Ġj uries Ġj umped up ation Ġ6 15 Ġ6 18 Ġ6 33 Ġ6 21 Ġ6 32 Ġ6 41 Ġ6 66 Ġ6 52 ĠRe quisite ĠRe uters Ġ9 600 Ġ7 23 Ġ7 27 Ġ7 22 Ġ7 49 Ġ7 56 Ġ7 59 Ġ7 78 ĠG ood ĠG range ĠG rif ĠG CM ĠG ECC ĠG rapeland AS A oth by loy ed ĠH au ĠH TA ĠH urricanes ĠH az ĠH ershey ee red ra e ra ke Ġret ract ens urate ĠCons idered Ġdef alc RE MENT Ġjud icious Ġsp ort Ġsp arse velo ping ici ary sid ed Ġ15 25 ĠW ading ĠW atterson ĠW idmann Ġunc ons Ġunc ompleted ĠUn like ĠUn usual 19 67 Other s ĠMar ina ĠMar ath TI O TI VES ex change reg arding ib rate osition ing ĠAc res Un predictable AL MC ĠPre TSLs ĠPre paration hes is greg ation ful filled TE AM Ġ19 49 Ġ19 79 Ġ19 78 Ġ19 73 Ġar ti Comm ensurate ĠBanc Fund ĠRisk ed ĠCh ild pr ong Ġinter actions Ġwhere upon ĠY olo ĠHome ownership OR ITATIVE ĠCon forming ĠCon sequently ios yn Re acting eop olitical Pro jections Ġred eposited IN A ĠRes olutions ĠLi en ER D To o CI S Ġoption ally Ġoption ees Ch ristiana Comp osite Comp rising Ġunf amiliar ĠOF C Res ultant ĠIN VEST time ly IS O ĠAd a ĠAd dress ĠCal vert ann uities Ġsur ve Ġsur faced pre ferenced TM S Ġ35 4 atisf action Ġrede veloped Ġrede veloping Ġ50 1 Ġ50 8 ĠTotal s Ġdesign s emn ified Ġunp ublished ĠAr c Ġrein state Ġrein troduc Ġindemn ities Ġsus pected ET A Tr ue Tr up ĠK r ĠK an ĠK BW ĠK oont Ġstandard ization ĠCar negie FS IS FHLB A Ġinsured s lling ham Ser ial ĠDe er rop ic Sh aring omin antly Ġinstrument ality Ġhealth ier ason able Ġ60 9 ĠTh rifts REST RIC ĠAC V ĠAC QUISITION Le ad LO COM Ġinstall ations Ġhor se ĠRE L Ġparent hesis ind ividually ind emnified TIN UED house Co Ġconf ines Ġnumer ators Ġday light ĠJer vis PP I Rep airs ĠTCF CFC ob tained ĠAll iances ĠOn ce Ġsurrender ing Ġrever ts Ġmid way Ġcare er Ġprec ious occ o Qu arter AC H AC V Ġmand ating ĠCON TEN ĠAss isted Ġconstitu ents RO TE ĠAdv ocates Ġgovern or Ġfle ets Ġreclass ifies Ġconsec utively ĠRES OUR ords ville inc ing ĠQu incy ĠST BA Ġmanufact ures Ġintroduc tions Ġfree ing Ġbl ue ĠAudit ing ĠAb rams with drawal tr igger Up date Ġconven e ĠApp etite ĠFo recast ĠBu ffer ĠBu ena ĠBl ank ĠBl iley comp ensation sub sequently wo ods Ġreposition ings Ġtoler ate ĠDel avan ĠBe llingham Ġtre ats TCF CFC rastruc ture rel ative Ġroll out Ġuns ustainable con firmed ĠCor te sell er ĠCB O ĠBro omfield TH ORITATIVE Or dinarily evalu ations ĠGr ays ĠGr anbury ĠExp lanations Ġconstr aint cons ider Ġinadequ acy ĠCur tail ĠPitts ylvania ĠEN D ĠOpinion s ĠMass apequ Ev ent IF MG coll ections HA RES ĠNot able Ġthorough fare Ġforg o Ġfix ing ĠMB VT Ġinspec tor ĠBay am FL L TER I ĠFl occo Se gregation En gaged Ġrank ings ĠMaine Housing COMP ANY ĠOrigin ate Ġremedi ated Ġisol ates ĠMad onna Ġsign aled ĠTe ac ĠBo zeman ĠBo othby Part nership Ġintr agroup ĠCP HL ĠRidge field Ġ810 65 ĠShock s ĠBan field ĠTE B ĠMutual Wealth ĠFlag ship Ġpresum ably ĠIndex es Ġjeopard y charge offs Ġincorrect ly Ġreimbur sing Ġperf ected Ġtransp ired Ġscrutin izing ĠRB A employ ed Ġderecogn izes Ġexc ited Ġoccup ant Ab undant ĠOFF ER ĠPartners First Ġcat fish Ġstip ulate ĠBP FH ĠPe res Ġpoor ly Ġescal ate ĠFCB I ĠZ illow ĠAlt os Ġdom ain LP G ĠSte w Organ ically Ġburden ed dep loyed ** **. EL VE ĠAnd res ĠMIS SIS ĠAshe boro ĠPL LC Ġprioritiz ation ĠFF TR ĠHills dale Ġfill s ĠWar ner ĠRef inance Ġrelev ancy ĠAB X OCC UP ĠAffili ated Ġher d Ġvital ity TRO UBLED Ġrepeated ly North brook ĠWater loo Ġhit ting ĠLow e ĠKe ach TRU PS ĠHarr ington Ġdepic tion ĠSE COND ĠIr revocable Ġrecal culation ĠPartnership s ĠXX III Amend ment Ġreconcile ment Ġdisagree ment ĠOcc upation let ters season ing Ġhost ing ĠFW NB ĠWhite ville He ightened Ġnur turing Ġboost ing Ġacknowled ging Integr ity emph asis Six th split ting Ġsurtax es ĠPCA OB Swap s Ġsurvey ed ĠAU THORITATIVE Establis hed ĠWood lands Met ropolitan ĠMA JOR But ler def aulted Ġentrepreneurs hip che ss ĠSW AP SI PPI ĠRBC T ĠAnn ounced ĠLew istown multi p Ġrecons ider Ġearthqu ake Ġrelax ing Ġid iosyn ĠTy ler ĠReduc ing ĠReduc tions particip ant ĠEd ina Ġadvers ities Fort unately ĠSus pension ĠSus picious ĠCay ce Broad ening Ġmass ive ĠCornel ius ĠDIV IDEND Ġundes ired UCT URE ĠHV HC ĠLaure ns Pred ominately ĠGreenb ri ĠGreenb rae Enh ance Ġasymmet ry ĠTH O ĠTH REE ĠMI X Telecommunic ation Ġcollabor ative ĠGE M ĠCro sStates Ġrecon struction ĠASR V Ġnoncon forming ĠCr ime Ġexemp ts Ġtradem arks Mar quette securitiz ation Ġwel come ĠSch aumburg initi ated Ġreiter ated Ġacadem ia Ġ076 41 slo ped ĠPow hatan ĠSy racuse Ġobsc ured ĠMcC ordsville Syndic ated ĠIm mediate ĠGA INS ĠGo och Recru it Ġequi pped ĠSI PA DISC USSION IZ ATION me zzanine she ll ĠMur freesboro ĠOPP ORT Anchor age ĠBrad enton EXPEN SES Bal loon Tru PS Ġdraf ted med ia Ġnight ly Ġendow ments Ġassimil ate Conn ecticut separ ate ĠRim rock Ġneglig ent Ġneglig ence ĠLIH TCF Ġske w Ġinher it Ġinher ited ĠPress ure ĠHerm itage ĠCONS UMER ĠCONS TRUCTION ĠFIRST FED geographic al Ġpoll utants ĠLynn wood ĠDur ham ĠSum ner Ġplumm eting Ver ification Ġreissu ing ĠCob b ĠAlex andria Stren gthening Ġrebut t DISCLOSU RES Ġdorm ant Ġcomplic ating ĠKim brell steep ening bottom ed coun seling del ivered ĠBU ILD ĠMaxim ize Ġmanip ulation Ġparenthe tically intern et reti red Ġpun itive Ġspir it Ġteleph on enh ancing Ġdys functional ĠAur ora ĠEXTEN D Brand ywine Ġfurthe red Bre ak Care ful Sch iller Ġfals ified Ġfortun ate Ġconv incing Ġprosec ution Ġprerog atives ĠTHI RD ewater houseCo ĠConstr aints Ġmisjud ges Ġprecurs or ĠLEGIS LATION receiv able ĠGUID ANCE EAL TH GAN IZATION Hart ford Ow ing Palm etto SEN IOR mil k Ġanec dotal Ġfabric ation Ġwid est ĠDil igence ĠDut chess Ġacum en Ġchron ological ĠBudge t ĠBorreg o ĠAchie ved ĠTocc oa ĠLef t ĠLivest ock ĠPens acola ĠPeor ia ĠPhelp s Ġundetermin able ĠMeb ane ĠMah oning Ġaggress iveness Ġoversimpl ify Ġabey ance Ġ9600 1 ĠGrif f ĠMarath on Ġreintroduc ed ĠKoont z RESTRIC TED ĠCONTEN TS ĠRESOUR CE ĠMassapequ a ĠMISSIS SIPPI OCCUP IED Ġidiosyn cratic ĠGooch land , , A WBC B lo B PB B ureau C ities C SS C VA C athay D X D ual D iversified D iamond E ver E qual E MPLOYEE F indings F ringe G X G ib G BI H an H el H alf H ybrid K s K EY L U L ater L AB L BO M erc M FC M ountain M eth N CE N OVA O FG P op P OLIC P LOC P TSP P ardue R ight R CC R IG R AROC S em S CO S izable S TA S plit S CBT S onoma S leepy S endero S TBA S afety T AR T iers T almer T ORS U PB V ail W ar W FC W EALTH Z ED b ill b rev c k c ame c ram c lassifications c ustodial d ri d elivery e ur e ted e llow e tence f ed f ic f ound f urniture g ar h le h ort h acking h otels h ills k on l ion m osp m strong o y o ter o ved p eop p asses p ortfolios r acted s ay s ocial s olicitation u ing u ated v ia v aluing w ind z es z hen Ġ 00 Ġ ult Ġ ," Ġ ecl in th in burg in vol in siders re ve Ġo sses an aly an ova Ġin ns Ġin tuitive te rested se mble Ġc ircular en atche Ġan tic Ġf resh Ġp le Ġm ud Ġm emorial Ġl ays Ġl umber Ġl asted Ġl ane om it om inance st rive Ġto ugh Ġre ap Ġb und Ġb order Ġb arring Ġd ash Ġd ures Ġw ars Ġw ine Ġw ins Ġs and Ġs li Ġs lated Ġs amples Ġ$ , Ġe b Ġe Corp ic a ic hel ro active ill ance ill ips Ġn m un funded un paid as as Ġr id Ġr ig ge table Ġth rive at tered im ilar im bursed Ġ3 34 Ġ3 48 Ġ3 80 Ġ3 92 le et ĠC T ĠC at ĠC los ĠC art ĠC RR Ġde serves ol and ĠD E ĠD V ĠD em ĠD HL ĠD ATE ĠD ocument ĠD OD em erg em pted ul ps Ġex ogenous ow s Ġh ubs ear thqu Ġat hle Ġat mosp il ings Ġv iii us s Ġfr acking ith town end ency end ered ĠComp lete ĠComp etent Ġpr inted Ġco exten Ġco hort ut ines ĠF H ĠF lin ĠF lor ĠF ID ĠF iServ ĠF ret ĠF ocusing ĠF CFA In flows In active ud iate ĠB ai ĠB uck ĠB attle ĠB orough ĠS k ĠS tif ĠS ize ĠS olicitation ĠS atisfaction ce ola per ance ĠA HTC ĠA rise ĠA FLL Ġrep ledged Ġrep udiate ie vi ich o Ġcomm eric Ġnon insured Ġnon organic Ġpre set Ġpre mature pp ines oc used ortf alls Ġinv oked Ġrec yc Ġrec tifying Ġapp are ip line Ġun in Ġun ified Ġun qualifying Ġun justified Ġun enforceable Ġun timely ĠN omin ĠN IE ant age ĠT HL ĠT ib ĠT BV ĠT emporarily ĠT reve am an am ette ĠL ivingston ĠR un ĠR io ĠR HC ĠR ush ĠR itr Ġsub let Ġsub committees ĠP WA ĠP ublish Ġreal ities Ġes oter ĠM end ĠM ang ĠM all ĠM SB ĠM RA ĠM VA ĠM anufactured ĠM astermoney ĠM ROC ĠM ichel erc ing Ġtr action Ġtr acing duc ational Ġunder insured ad ville ad opt Ġover came Ġoper ative Ġoper ator ĠO DCM Ġab brev Ġme lt Ġcommercial s Ġrev ive Ġpay checks ke l Ġpa ved Ġpa use su it Ġpl otted ren g Ġob ser Ġ4 17 Ġ4 33 Ġ4 44 Ġ4 90 Ġ4 52 Ġ4 64 Ġ4 73 Ġ4 500 ach able ĠE dition ĠE BS ĠE KT ĠE MPLOYEE ĠE PIC ĠE ducational ĠI SOP ĠI DP Ġrecord ation Ġimpact ful ons olidation Ġcharge able Ġout set tif ace struc t ĠJ udge Ġtrans forming ile ment Ġ5 26 Ġ5 31 Ġ5 80 Ġ5 87 Ġ5 97 Ġ5 81 fe asance ix son Ġwell s ves tig Ġ8 49 Ġ8 44 Ġ8 43 res ale IC D Ġ6 12 Ġ6 28 Ġ6 58 Ġ9 32 Ġ9 80 Ġ9 76 Ġ9 82 Ġperform er Ġ7 17 Ġ7 38 Ġ7 21 Ġ7 31 Ġ7 58 Ġ7 70 Ġ7 41 Ġ7 77 Ġ7 52 Ġ7 73 Ġ7 96 ĠG C ĠG M ĠG rowing oth man op her Ġ10 20 ĠH BI ĠH urtsboro ĠH ASP ĠH ypothetical ĠH ixson der ive Ġgeneral ized 20 18 Ġret rie ize k Ġsales men Ġthir teenth umm ated Ġpor tend Ġhold back ĠV oice ĠV ault ĠV endor ĠW A ĠW AM ĠW HTC ĠW oor ĠW enatche ), ". 19 34 Ġgr ains Ad dis Ġunre imbursed Ġfurther s ĠAc ts Ġsumm ed Un anticipated Un improved Un restricted ced ure Ġfl aw Ġfl aws par tially par ais Ġinfl ection ĠAS PP Ġsever ally Ġ90 8 TE ES TE FRA Ġ19 19 Ġ19 64 Ġmul tiface Wh idbey Ġleg s AN TEES ON E ON MENT ĠCh ace ĠCh izek Ġlet ting pr int Ġmulti year Ġmulti cultural Ġinter depend Ġdis appear ĠPro prietary ĠPro cedure ĠCon yers Ġcharacteristic ally ĠStock men Ġred efault Ġdist ortions IN ED IN VES Ġflo ated Ġswap tion AR MS AR ANTEES Ġretail er Ġ18 32 Ġ18 42 Ġ18 89 Ġland fall hen kel ĠVal parais ine ville ĠCD BO Ġconc ise Ġconc omit Ġpred ominance EN L Ġconn ectivity spec tively ĠWe b sec utive Comp lement Bank ruptcy Ġread iness Ġthem es Ġbuild out Ġabsorb ency ĠPr ud ĠPr ineville "), . Ġro utines ĠOF G Ac quiring Ġaccomp lishes Sub servicing RB A RB C EC B Cons ultant Ġsen ding ĠEn gel ĠAd versely Ġsur ged Ġperiodic als Ġrepay able 76 25 Ġ35 2 Ġ35 005 NB IG ĠSub ordination emn ation Ġgrad ings here in ĠAr mstrong Ġrein troduction Ġ310 55 BS B Capital Source ĠPlan ters Ġindemn ifying Ġquo te Ġ40 7 Tr iggering Ġten et Ġten uous Pre TSLs ĠK HC ĠK ulps Ġstandard izes FHLB C Ġassist ants Ġcounter acted ili ppines ĠLO COM Rec onc ĠWes Mark Cont acts SB LI Sh ine sh own sh ifting ĠReal izability ĠMid size ĠMid vale ĠGroup s ĠAC S UN DER Ġem ulating Servic er 09 75 UR AL MC H imp se ĠJer ry ĠJer icho Ġbroad cast LE Y LE ASES ĠInter cept OL A ĠAll ison no tes UL LY anticip ation Ġve getable Ġmid point ĠExchange able ĠSh ipp ĠSh ortfall Ġinterpret ative ĠSec urance Ġfranchise es VER SE FIN RA ĠCo eur BC TI RO U de ren Refer ral ĠMet Life ĠSal t Pr ac Pr airie Ġreac tivated ĠPl ata ASU s CD AR Ġsuperv isor ĠWh ittle umb ent Ġinf use ĠCO ST RM SCO ID PLOC ĠMary ville BI L ĠApp leton Ġdowns ize Ġdowns izing ĠGre ece ino Pac ĠBl anket free zes adequ ate sub sidiary sub scribed ĠReview ed ĠUnion Bancorp Ġver ifies ĠMain Bancorp Ġemerg encies ĠRO TE Ind enture Ind igenous Ġcond os Ġcond emnation rem ains rem aining Ġuniform ity Ġreti tled ĠCB D ĠCB ED ĠCB BI ĠSc henkel 275 14 ĠExp edi Not tingham ĠPC NR ĠHigh ly IB E Ġreinvest able ĠMan or Ġste pped Contrib ution Ġtravel er ĠMB PR ĠPh ilippines Ġded es ĠMe adville Ġforfe it ĠRock efe Ġaccomplish ment IG H Val rico ĠDes criptions Trans portation ĠMore head En tity Ġascertain ing Ġreb ounds Ġdisag rees Ġrecru iter ĠMAT URING VF AM ĠLos se South west ĠConver sions Invest able ĠSF NB Ġsign ify Ġdiss imilar ĠSp anish Ġvis ual Ġvis iting Reg istration Card holder ĠFSB NT ĠNY DFS Americ ana Compar ability ĠWill amette disc losed disc rim cont ingent Exp enditures ĠRet aining ha us ĠBorrow ers Ref inances Ġcut off ĠTo othman ospital ity Ġbifurc ating capital ization ĠCour ts Jud icial ĠFB F ĠFB R ĠMor ro position ing adv ance adv isors Inter pretation Ġratif ies Ġ815 15 Princip ally origin ate ĠQU ANTITATIVE ĠReturn ed ĠHam mond ĠWor cester Ġaim ing Bet hesda Man aged Man aman ret rospective acquisition s ĠPe ers ĠPort age Plan ning ĠGib son Ġprefer ring IR As Wil mington Initi ation dep artment Form al ĠSO EC ĠSand hills ĠDec ision ĠPL L Ġcorrobor ating Particip ant ĠIM T Ġnoncomp etition ĠMunicipal ities Larg est Ġaffirm ing %- . Produc ing FB FS Ġ==== =. ĠRem ediation ĠRem oved Ġsimp licity Dis asters Dis intermediation ĠLim itation ĠMc Ke ĠMc Manaman ĠSilver lake ĠCS NK Ġ======== = Ġ======== =. Ob jectives Ass urances DC G repurchase s ĠBV I ĠProfit Star Ġlay ered ĠPRO FIT ĠPRO BLEM mod ifications mod erate Ġdisin terested ĠQueens bury Ġdet ractions liquid ations ĠXX I ĠDo oly Ġband wid Ġresc ind ĠMed ford Ġengin es Ġtransact ing ĠSPE s ĠDI VISION ĠSTR UCTURE ĠCDE s ĠHor ry Geographic al group s jud gment ĠContin ually Down ward ĠSD HDA cur tain neg atively Hed ges ĠJones borough Apprai sers Maxim ize Ne il Ne utral ĠBC AR Ġabandon ing ĠFree hold ĠClar ion borrow ers ACCR UED Ġid le ĠWag ley Admin istration Admin istered particip ation Nine teen Ġperpet uity Ġsubstanti ates ĠLike lihood ĠProv iding ĠPrac tical Ġgradu ate Ġburdens ome ĠREC LASSIFICATION ĠEd inburg Shor ter Ġ> ") ĠConc ord PL L Ġdecel eration AD CO AD JUS Ġrail car ĠCre ve ĠMach ines Ġdig its Amortiz ing Ġcancel ation tra ditionally Ġextr active ĠBell e Ġconscious ly adjust ing adjust able Cap Gen ĠMount ains Enh ancing Ġincomp etence ĠFre ight Ġprere quisites opper s Check card Move ment Ġtex tiles ĠResult ant Season ed ĠOs ceola ĠSeven teen ĠAdministr ators ĠOl ver Ġimperfect ly DO J Mar ine Mar iner cap acity plac ed Ġwrong doing ĠSom ers Ġoverwhel m Ġrefurb ished Str atton ĠAP Y ĠLock out Ġ076 40 Ġ076 31 there by ĠSussex Mortgage Ġlink age Transfer ors Ġpull ed Ġfierce ly Ġvect or ĠEll wood foot print cl iff ĠShen zhen ĠTem perance exam ines Ġoverdraw ing Mo ving Ġprud ential ĠBull itt Ġgarner ing Tru P ĠGB MI dif ference Ġmal feasance ĠCollier ville Ġcurb ing Read ily ĠRETA INED Ġdefl ator Ġacquis tion ĠMON EY Prospec tively ARR ANGEMENTS Ġallevi ated ĠGU ARANTEES ĠGerm any ĠMarke ters Ġredef ine Ġconce al Ġpoll ution Louis ville Louis iana Ġguarded ly ĠCher ry Ġsubtr acts Ġregistr ars Ġcontrovers ies ĠArch dale ĠCliff side ĠBoy d Ġtornado es GL B HO EPA ĠCM T Offic er improve ment ĠVALU ES Ġsmartph one Minn esota Orange burg ĠTW ELVE Ġabst aining Ġtrip led negoti ation Ġtap ered asm uch ĠClo vis ĠSAS CO ĠTemp leton ĠVic ksburg ĠChrist opher Soft ness Ġengine ers Ġcannibal ize Sm ithtown Accomp lish Ġsaf es Ġreconfig uration Ced ar NCB DX VIR ONMENT sl ides Ġlake front ĠPU IA Ġcollectib ilty Ġpromulg ation