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  • In addition, we believe it is important to note that in the year 2011 the bank earned a profit of $2.5 million prior to the expenses of the loan loss provision and the write off of the deferred tax asset, despite the fact that in 2011 the bank incurred a substantially abnormal level of non-interest expenses for such items as legal fees, appraisal fees, expenses associated with foreclosed propertie
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