(1) Core operating results are a non-GAAP measure used by management to measure performance in operating the business that management believes enhances investors' ability to better understand the underlying business performance and trends related to core business activities. A full reconciliation of non-GAAP financial measures can be found at the end of the financial statements which accompany this release. (2) Reserve build/(release) represents the net change in the Company's allowance for credit losses (ACL) from the prior period. Fourth Quarter 2020 Highlights Financial results Net income of $25.7 million and diluted earnings per share of $0.27, an increase of $0.07 per share from the previous quarter