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The reduction in working, non-interest cost ended up being mainly because of the recognition of around $16.4 million loss on financial obligation extinguishment within the 3rd quarter, caused by the payment of around $140 million in Federal mortgage loan Bank improvements and also the termination of relevant cashflow hedges.

Salaries and benefits declined by $2.5 million, mainly due to lessen incentive payment expense, and greater deferred costs related to new loan originations. This decreases were partially offset by increases in advertising cost of around $1.1 million as a result of increases in direct mail and sponsorships, professional costs of $955,000 linked to higher consulting prices for strategic initiatives, FDIC costs of $873,000 primarily because of a lesser FDIC bank that is small credit attained into the 4th quarter and OREO and credit-related expense of around $542,000 as a result of OREO valuation changes driven by updated appraisals received throughout the quarter.

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Looking at the total amount sheet, period end total assets endured at $17.6 billion at December 31st, which will be a growth of $122 million from September 30 amounts and a growth of $3.8 billion from December 31st, 2018 amounts mainly due to Access acquisition and loan development throughout the 12 months.