Perhaps its because net interest income is down as well as net deposits, from previous quarter. Aurora acquired accounts... people are now renewing cds at lower rates and are moving money market accounts in search of a few more basis points in yield. Prepayment penalty income saved the day. But bottom line, good time to add.
Just want to add: "“We are proud of our name and proud of our more than 150 years of strength, stability, and service, which began with a single branch in Flushing, Queens in New York. While our franchise today extends to five states and 274 branches, we remain, in every way that counts, a community bank." Think we are in a good place at the right time.