A decrease in legal reflecting the resolution of various matters and a decrease in salary expense offset increasing FDIC insurance and travel expense.

Jan 27, 2023 / CFO / receipt, needs a key / Paul Frankel, CFO | earnings call 2023-01-27 | transcript 92430591-a065-4289-90bd-1ca172b9c480 | chars 6591-6741 | segment 6

Non-interest expense for Q3 2021 was $39.4 million, reflecting a decrease of $2.6 million, or 6%, from the prior year. The decrease reflected a $1.9 million decrease in FDIC insurance, which reflected the lower insurance rate noted earlier in the call. While the future impact may be $1 million per quarter, the current quarter impact was higher due to the cumulative effect of the change. Multiple factors are considered in the FDIC insurance assessments, which also may be modified by the FDIC in the future. We continue to focus on expense management, especially in relation to revenue growth.

Oct 29, 2021 / CFO / receipt, needs a key / Paul Frankel, CFO | earnings call 2021-10-29 | transcript cd92009a-7b49-4bc4-b7ac-16aefb8b1969 | chars 9122-9718 | segment 9

We continue to focus on expense management, especially in relation to revenue growth.

Apr 30, 2021 / CFO / receipt, needs a key / Paul Frankel, CFO | earnings call 2021-04-30 | transcript 9bb0eb9a-7b7e-48c3-b8f2-2690222a573d | chars 10845-10930 | segment 10