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BYL

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The increase in net interest income was primarily the result of increased earning assets generated through internal loan growth as well as our acquisitions of Charter Pacific Bank, BYL Bancorp and Union Financial Group, Ltd.
Commenting further, Dierberg said, "We are pleased with our growth in net interest income which increased primarily as a result of increased earning assets generated through internal loan growth along with our acquisitions of Charter Pacific Bank and BYL Bancorp, completed during the fourth quarter of 2001 as well as the Garland and Denton, Texas branch purchases, completed during the second quarter of 2002.
The increase in net interest income was primarily the result of increased earning assets generated through internal loan growth as well as our acquisitions of Charter Pacific Bank, BYL Bancorp and Union Financial Group, Ltd.
 
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