b'2024ANNUAL REPORT2024 2023NON-INTEREST EXPENSE:Employee Compensation 3,292,0533,318,988Employee Benets 1,006,096838,883Professional Development 195,162252,247Association Dues 109,92096,516Brand & Business Development 256,500309,434Ofce Occupancy Expenses 584,795465,127Ofce Operation Expenses 542,550525,969Professional & Legal 1,750,3811,565,082Other Operating Expenses 209,562236,633Non-Interest Expense 7,947,0197,608,879NET INCOME (LOSS)$(2,503,806)$(2,228,524)'