b'2025ANNUAL REPORT2025 2024NON-INTEREST EXPENSE:Employee Compensation 2,978,1563,292,053 Employee Benets 845,725 1,006,096 Professional Development 97,155195,162 Association Dues 77,747109,920 Brand & Business Development 211,055256,500Ofce Occupancy Expenses 527,702584,795 Ofce Operation Expenses 670,684542,550 Professional & Legal 2,011,8781,750,381 Other Operating Expenses 124,743209,562 Non-Interest Expense 7,544,8457,947,019 NET INCOME (LOSS): $380,870$(2,503,806)'