...A. Highlights: 2020 was unusual year and proved to be one of unprecedented challenges. 1. Continues to serve customers, communities and associates throughout pandemic with PPP loans, charitable contributions and by offering associates increased flexibility and benefits, while demonstrating prudent risk management. a. b. Made impressive progress on integration of MOE despite pandemic, enhancing scale and providing opportunities to capitalize on additional growth opportunities in attractive markets. 2. Continues to focus on delivering strong shareholder value. 4Q results were solid, with continued relative underlying strength in PPNR, given resilient results in countercyclical businesses and continued expense discipline. a. 3. Loan demand remains muted given current continued economic and political uncertainty. However, lower risk loans to mortgage companies business has provided some nice offset to these headwinds. a. b. Continues to make progress on lowering funding costs in face of increasing...
