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Quarter end features

Quarter end features Fourth quarter net gain increased $824 thousand ($0.06 per diluted share), or 11.4percent, set alongside the 4th quarter of 2018, mainly driven by increased web interest earnings fueled by loan development while the FDIC little bank premium credit, partially offset by a decline in our web interest margin and a rise in salaries and employee advantages cost, occupancy expense, appropriate charges, and merger and acquisition expenses. Fourth quarter net gain reduced $211 thousand ($0.02 per diluted share), or 2.6%, when compared to quarter that is third of, because of a reduction in non-interest earnings, and a rise