Name and Address of Beneficial Owners | | Amount of Shares Owned and Nature of Beneficial Ownership(1) | | Percent of Shares of Common Stock Outstanding | | | Amount of Shares Owned and Nature of Beneficial Ownership(1) | | Percent of Shares of Common Stock Outstanding | | ||||||||||||||||
Five Percent Stockholders | | | | | | | | | | | | | | | | | | | | | | | ||||
Endicott Opportunity Partners IV 570 Lexington Avenue 37th Floor New York, New York 10022 | | | | 641,650(2)(3) | | | | | 7.7% | | | |||||||||||||||
BlackRock, Inc. 55 East 52nd Street New York, New York 10055 | | | | 464,169(4) | | | | | 5.6% | | | | | | 927,523(2) | | | | | 8.5% | | | ||||
Basswood Capital Management, L.L.C. 645 Madison Avenue, 10th Floor New York, New York 10022 | | | | 439,345(5) | | | | | 5.3% | | | |||||||||||||||
FMR LLC 245 Summer Street Boston, Massachusetts 02210 | | | | 795,052(3) | | | | | 7.3% | | | |||||||||||||||
Macquarie Group Limited 50 Martin Place Sydney, New South Wales Australia | | | | 760,540(4) | | | | | 7.0% | | | |||||||||||||||
T. Rowe Price Investment Management, Inc. 101 E. Pratt Street Baltimore, MD 21201 | | | | 655,244(5) | | | | | 6.0% | | | |||||||||||||||
The Vanguard Group 100 Vanguard Blvd. Malvern, Pennsylvania 19355 | | | | 568,824(6) | | | | | 5.2% | | | |||||||||||||||
Directors and Nominees | | | | | | | | | | | | | | | | | | | | | | | ||||
Mark R. DeFazio | | | | 351,743(6) | | | | | 4.1% | | | | | | 373,345(7) | | | | | 3.3% | | | ||||
Anthony J. Fabiano | | | | 7,533 | | | | | * | | | |||||||||||||||
Dale C. Fredston | | | | 7,168 | | | | | * | | | | | | 13,668 | | | | | * | | | ||||
David M. Gavrin | | | | 58,555 | | | | | * | | | |||||||||||||||
David J. Gold | | | | 17,231 | | | | | * | | | | | | 22,231 | | | | | * | | | ||||
Harvey M. Gutman | | | | 11,691 | | | | | * | | | | | | 15,143 | | | | | * | | | ||||
Terence J. Mitchell | | | | 8,607 | | | | | | | | | | | 13,026(8) | | | | | * | | | ||||
Chaya Pamula | | | | 3,563 | | | | | * | | | |||||||||||||||
Robert C. Patent | | | | 160,212 | | | | | 1.9% | | | | | | 161,082(9) | | | | | 1.4% | | | ||||
Maria F. Ramirez | | | | 22,557(7) | | | | | * | | | | | | 28,057(10) | | | | | * | | | ||||
William Reinhardt | | | | 9,822 | | | | | * | | | | | | 16,280 | | | | | * | | | ||||
Robert Usdan | | | | 647,357(3)(8) | | | | | 7.8% | | | |||||||||||||||
Katrina Robinson | | | | 3,563 | | | | | * | | | |||||||||||||||
George J. Wolf, Jr. | | | | 18,165 | | | | | * | | | | | | 24,215 | | | | | * | | | ||||
Named Executive Officers | | | | | | | | | | | | | | | | | | | | | | | ||||
Laura Capra | | | | 28,477 | | | | | * | | | |||||||||||||||
Scott Lublin | | | | 53,374 | | | | | * | | | |||||||||||||||
Nick Rosenberg | | | | 19,080(9) | | | | | * | | | | | | 30,596(11) | | | | | * | | | ||||
Scott Lublin | | | | — | | | | | * | | | |||||||||||||||
All directors and named executive officers as a group (17 persons) | | | | 1,359,018 | | | | | 15.9% | | | |||||||||||||||
Gregory Sigrist | | | | 15,442 | | | | | * | | | |||||||||||||||
All directors and named officers as a group (19 persons) | | | | 844,484 | | | | | 7.5% | | |
| | | |
Director | | Audit Committee | | Compensation Committee | | Corporate Governance and Nominating Committee | | | Audit Committee | | Compensation Committee | | Corporate Governance and Nominating Committee | | ||||||||||||||||||||||||
Mark J. DeFazio | | | | | | | | | | | | | | | | | ||||||||||||||||||||||
Anthony J. Fabiano | | | | | | | | | | | | | | | | | ||||||||||||||||||||||
Dale C. Fredston | | | | X | | | | | | | | | | X* | | | | | | | | | | | | | | | | X* | | | ||||||
David M. Gavrin | | | | | | | | | X* | | | | | X | | | ||||||||||||||||||||||
David J. Gold | | | | X | | | | | | | | | | | | | | | | X | | | | | X | | | | | X | | | ||||||
Harvey M. Gutman | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | X | | | ||||||
Terence J. Mitchell | | | | | | | | | | | | | | | | | | | | | | | | | X | | | | | X | | | ||||||
Chaya Pamula | | | | X | | | | | | | | | | | | | ||||||||||||||||||||||
Robert C. Patent | | | | | | | | | X | | | | | X | | | | | | | | | | | X | | | | | X | | | ||||||
Maria F. Ramirez | | | | X | | | | | X | | | | | X | | | | | | X | | | | | | | | | | | | | ||||||
William Reinhardt | | | | X* | | | | | X | | | | | X | | | | | | X* | | | | | X | | | | | X | | | ||||||
Robert Usdan | | | | X | | | | | | | | | | | | | ||||||||||||||||||||||
Katrina Robinson | | | | | | | | | | | | | | X | | | ||||||||||||||||||||||
George J. Wolf, Jr. | | | | | | | | | X | | | | | | | | | | | X | | | | | X* | | | | | | | | ||||||
Number of Meetings in 2019 | | | | 8 | | | | | 5 | | | | | 2 | | | ||||||||||||||||||||||
Number of meetings in 2022 | | | | 10 | | | | | 5 | | | | | 4 | | |
Director | | | Operational Risk Management Committee | | | ALCO Committee | | | Asset Recovery Group Committee | | | Loan Committee** | | ||||||||||||
Mark R. DeFazio | | | | | X | | | | | | X | | | | | | X | | | | | | X | | |
Dale C. Fredston | | | | | X | | | | | | | | | | | | | | | | | | | | |
David M. Gavrin | | | | | | | | | | | X* | | | | | | | | | | | | | | |
David J. Gold | | | | | | | | | | | | | | | | | X | | | | | | X | | |
Harvey M. Gutman | | | | | X | | | | | | | | | | | | X | | | | | | | | |
Terence J. Mitchell | | | | | X | | | | | | X | | | | | | | | | | | | | | |
Robert C. Patent | | | | | | | | | | | | | | | | | X* | | | | | | X* | | |
Maria F. Ramirez | | | | | | | | | | | X | | | | | | | | | | | | | | |
William Reinhardt | | | | | X* | | | | | | X | | | | | | X | | | | | | X | | |
Robert Usdan | | | | | | | | | | | X | | | | | | | | | | | | | | |
George J. Wolf, Jr. | | | | | X | | | | | | | | | | | | | | | | | | | | |
Number of Meetings in 2019 | | | | | 4 | | | | | | 4 | | | | | | 4 | | | | | | 38 | | |
Director | | | ORM Committee | | | ALCO | | | ARG Committee | | | Credit Committee** | | | COC | | | Technology Committee | | ||||||||||||||||||
Mark R. DeFazio** | | | | | X | | | | | | X | | | | | | X | | | | | | X | | | | | | | | | | | | X | | |
Anthony J. Fabiano | | | | | X | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | X | | |
Dale C. Fredston | | | | | X | | | | | | | | | | | | | | | | | | | | | | | | X | | | | | | | | |
David J. Gold** | | | | | | | | | | | | | | | | | X | | | | | | X | | | | | | | | | | | | | | |
Harvey M. Gutman** | | | | | | | | | | | X | | | | | | X | | | | | | X | | | | | | | | | | | | | | |
Terence J. Mitchell | | | | | X* | | | | | | | | | | | | | | | | | | | | | | | | X* | | | | | | X | | |
Chaya Pamula | | | | | X | | | | | | X | | | | | | | | | | | | | | | | | | | | | | | | X* | | |
Robert C. Patent** | | | | | | | | | | | X | | | | | | X* | | | | | | X* | | | | | | | | | | | | | | |
Maria F. Ramirez | | | | | X | | | | | | X* | | | | | | | | | | | | | | | | | | | | | | | | | | |
William Reinhardt** | | | | | X | | | | | | X | | | | | | X | | | | | | X | | | | | | X | | | | | | | | |
Katrina Robinson | | | | | X | | | | | | X | | | | | | | | | | | | | | | | | | | | | | | | | | |
George J. Wolf, Jr. | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
Number of meetings in 2022 | | | | | 4 | | | | | | 4 | | | | | | 5 | | | | | | 39 | | | | | | 12 | | | | | | 11 | | |
Element | | | Type | | | 2022 Highlights | |
Base Salary | | | Fixed | | | When setting base salaries, the Compensation Committee considers factors such as experience, responsibilities, job performance, and market compensation information. In 2022, the Compensation Committee approved base salary increases for all NEOs. | |
Element | | | Type | | | 2022 Highlights | |
Short-Term Cash Incentive Compensation (Annual Incentive Plan) | | | Variable | | | The Company maintains a performance-based annual cash incentive plan for the NEOs, which is contingent on the achievement of pre-established financial results for the Company and individual performance objectives tied to each Named Executive Officer’s specific role and responsibilities. The financial performance metrics have threshold, target and maximum goals to further align pay with performance. | |
Long-Term Incentive Awards (Equity) | | | Variable | | | The Compensation Committee, in its discretion, determines equity grants for the NEOs after considering each executive’s performance, previous grant history, comparison to our peer group, and retention needs. | |
| WHAT WE DO | | | WE DO NOT | |
| ✓ Use an independent compensation consultant that is retained by and reports to the Compensation Committee ✓ Tie a significant portion of executive compensation to performance ✓ Conduct an annual risk assessment of our compensation programs ✓ Mitigate compensation risk by subjecting annual and long-term incentive plans to payment caps | | | Permit hedging of Company stock | |
| Encourage excessive risk-taking through our compensation programs | | |||
| Provide supplemental executive retirement plans | | |||
| Offer excessive executive perquisites | |
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| Bank First Corporation (BFC) | | | National Bank Holdings Corporation (NBHC) | |
| Byline Bancorp, Inc. (BY) | | | Pathward Financial, Inc. (CASH) | |
| Cantaloupe, Inc. (CTLP) | | | QCR Holdings, Inc. (QCRH) | |
| Cass Information Systems, Inc. (CASS) | | | Silvergate Capital Corporation* (SI) | |
| ConnectOne Bancorp, Inc. (CNOB) | | | The Bancorp, Inc. (TBBK) | |
| Enterprise Bancorp, Inc. (EBTC) | | | Univest Financial Corporation (UVSP) | |
| EVO Payments, Inc. (EVOP) | | | Veritex Holdings, Inc. (VBTX) | |
| First Foundation Inc. (FFWM) | | | Q2 Holdings, Inc. (QTWO) | |
| Hingham Institution for Savings (HIFS) | | | | |
Name | | | Title | | | 2021 Base Salary | | | Increase Percentage | | | 2022 Base Salary | | |||||||||
Mark R. DeFazio | | | President & CEO | | | | $ | 800,000 | | | | | | 22.5% | | | | | $ | 980,000* | | |
Scott Lublin | | | EVP & CLO | | | | $ | 449,946 | | | | | | 5.0% | | | | | $ | 472,443 | | |
Greg Sigrist | | | EVP & CFO | | | | $ | 360,500 | | | | | | 4.0% | | | | | $ | 374,920 | | |
Laura Capra | | | EVP & HRB | | | | $ | 355,391 | | | | | | 5.0% | | | | | $ | 373,161 | | |
Nick Rosenberg | | | EVP & HGPG | | | | $ | 389,203 | | | | | | 4.0% | | | | | $ | 404,771 | | |
| | | Performance Goals | | | Outcome | | | Incentive Payout | | ||||||||||||||||||
| | | Threshold | | | Target(1) | | | Maximum | | ||||||||||||||||||
Annual Net Income Growth of 12% Per Year | | | | | — | | | | | $ | 250,000 | | | | | | — | | | | Target | | | | $ | 250,000(2) | | |
ROATCE Target of 11.7% | | | | | — | | | | | $ | 450,000 | | | | | | — | | | | Target | | | | $ | 450,000(3) | | |
Safety and Soundness(4) | | | | | — | | | | | $ | 300,000 | | | | | | — | | | | Target | | | | $ | 300,000(5) | | |
Total | | | | | — | | | | | | — | | | | | | — | | | | | | | | $ | 1,000,000 | | |
| | | Performance Goals | | | Outcome | | | Incentive Payout(1) | | ||||||||||||||||||
| | | Threshold (85%) | | | Target (100%) | | | Maximum (118%) | | ||||||||||||||||||
Annual Net Income Growth of 12% Per Year | | | | $ | 59,055 | | | | | $ | 118,111 | | | | | $ | 177,166 | | | | Maximum | | | | $ | 177,166 | | |
ROATCE (11.7%) | | | | $ | 59,055 | | | | | $ | 118,111 | | | | | $ | 177,166 | | | | Maximum | | | | $ | 177,166 | | |
Annual Net Loan Growth (12% year over year) | | | | $ | 29,528 | | | | | $ | 59,055 | | | | | $ | 88,583 | | | | Maximum | | | | $ | 88,583 | | |
Net Increase of 50MM in Lending Deposit | | | | $ | 29,528 | | | | | $ | 59,055 | | | | | $ | 88,583 | | | | Maximum | | | | $ | 88,583 | | |
Net Charge Offs not to exceed 50 basis points | | | | $ | 29,528 | | | | | $ | 59,055 | | | | | $ | 88,583 | | | | Maximum | | | | $ | 88,583 | | |
No net increases in the number of material policy exceptions or in credit file required documentation | | | | $ | 29,528 | | | | | $ | 59,055 | | | | | $ | 88,583 | | | | Maximum | | | | $ | 88,583 | | |
Total(2) | | | | $ | 236,221 | | | | | $ | 472,442 | | | | | $ | 708,663 | | | | | | | | $ | 708,664 | | |
| | | Performance Goals | | | Outcome | | | Incentive Payout(1) | | ||||||||||||||||||
| | | Threshold (85%) | | | Target (100%) | | | Maximum (118%) | | ||||||||||||||||||
Annual Net Income Growth of 12% Per Year | | | | $ | 46,865 | | | | | $ | 93,730 | | | | | $ | 140,595 | | | | Maximum | | | | $ | 140,595 | | |
ROATCE (11.7%) | | | | $ | 46,865 | | | | | $ | 93,730 | | | | | $ | 140,595 | | | | Maximum | | | | $ | 140,595 | | |
Providing strategic direction and support to the Company, including participation in the development of the Strategic and Capital Plan and Cost of Funds Strategy | | | | $ | 23,433 | | | | | $ | 46,865 | | | | | $ | 70,298 | | | | Target | | | | $ | 46,865 | | |
Manage the ongoing improvement of reporting and budgeting systems and procedures, including the use of automation | | | | $ | 14,060 | | | | | $ | 28,119 | | | | | $ | 42,179 | | | | Target | | | | $ | 28,119 | | |
Successful financial management of the Company, including liquidity, interest rate risk, earnings, capital management and Efficiency Ratio | | | | $ | 14,060 | | | | | $ | 28,119 | | | | | $ | 42,179 | | | | Target | | | | $ | 28,119 | | |
| | | Performance Goals | | | Outcome | | | Incentive Payout(1) | | ||||||||||||||||||
| | | Threshold (85%) | | | Target (100%) | | | Maximum (118%) | | ||||||||||||||||||
Effective capital management strategies while balancing stockholder dilution and adequate capital strategic growth | | | | $ | 9,373 | | | | | $ | 18,746 | | | | | $ | 28,119 | | | | Target | | | | $ | 18,746 | | |
Establish robust analyst & stockholder engagement to include but not limited to, NDRs, earnings release and IR materials | | | | $ | 9,373 | | | | | $ | 18,746 | | | | | $ | 28,119 | | | | Target | | | | $ | 18,746 | | |
Satisfactory audit exams for the Finance department | | | | | NA | | | | | $ | 18,746 | | | | | | NA | | | | Target | | | | $ | 18,746 | | |
Satisfactory regulatory exams for the Finance department | | | | | NA | | | | | $ | 18,746 | | | | | | NA | | | | Target | | | | $ | 18,746 | | |
Manage successful CECL System implementation process | | | | $ | 4,687 | | | | | $ | 9,373 | | | | | $ | 14,060 | | | | Target | | | | $ | 9,373 | | |
Total(2) | | | | $ | 168,714 | | | | | $ | 374,920 | | | | | $ | 543,634 | | | | | | | | $ | 468,650 | | |
|
| | | Performance Goals | | | Outcome | | | Incentive Payout(1) | | ||||||||||||||||||
| | | Threshold (85%) | | | Target (100%) | | | Maximum (118%) | | ||||||||||||||||||
Annual Net Income Growth of 12% Per Year | | | | $ | 46,645 | | | | | $ | 93,290 | | | | | $ | 139,935 | | | | Maximum | | | | $ | 139,935 | | |
ROATCE (11.7%) | | | | $ | 46,645 | | | | | $ | 93,290 | | | | | $ | 139,935 | | | | Maximum | | | | $ | 139,935 | | |
Net Deposit Growth of $250 million ($50MM DDA/$200MM money market interest bearing)(2) | | | | $ | 46,645 | | | | | $ | 93,290 | | | | | $ | 139,935 | | | | Target | | | | $ | 93,290 | | |
Maintains high level of customer service satisfaction | | | | $ | 18,658 | | | | | $ | 37,316 | | | | | $ | 55,974 | | | | Maximum | | | | $ | 55,974 | | |
Assist in increasing lending deposit relationships | | | | $ | 9,329 | | | | | $ | 18,658 | | | | | $ | 27,987 | | | | Maximum | | | | $ | 27,987 | | |
Satisfactory retail audit reports | | | | | NA | | | | | $ | 18,658 | | | | | | NA | | | | Target | | | | $ | 18,658 | | |
Satisfactory retail regulatory reports | | | | | NA | | | | | $ | 18,658 | | | | | | NA | | | | Target | | | | $ | 18,658 | | |
Total(3) | | | | $ | 167,922 | | | | | $ | 373,161 | | | | | $ | 541,083 | | | | | | | | $ | 494,438 | | |
| | | Performance Goals | | | Outcome | | | Incentive Payout(1) | | ||||||||||||||||||
| | | Threshold (85%) | | | Target (100%) | | | Maximum (118%) | | ||||||||||||||||||
Annual Net Income Growth of 12% Per Year | | | | $ | 50,596 | | | | | $ | 101,193 | | | | | $ | 151,789 | | | | Maximum | | | | $ | 151,789 | | |
ROATCE (11.7%) | | | | $ | 50,596 | | | | | $ | 101,193 | | | | | $ | 151,789 | | | | Maximum | | | | $ | 151,789 | | |
GPG Net Income Growth of 20% | | | | $ | 20,239 | | | | | $ | 40,477 | | | | | $ | 60,716 | | | | Maximum | | | | $ | 60,716 | | |
Deposit Growth of 10% | | | | $ | 20,239 | | | | | $ | 40,477 | | | | | $ | 60,716 | | | | Maximum | | | | $ | 60,716 | | |
Effectively manage the pipeline of new business through implementation | | | | $ | 20,239 | | | | | $ | 40,477 | | | | | $ | 60,716 | | | | Target | | | | $ | 40,477 | | |
Net new relationships increase 20% year-over-year | | | | $ | 20,239 | | | | | $ | 40,477 | | | | | $ | 60,716 | | | | Maximum | | | | $ | 60,716 | | |
Assist in streamlining risk assessment of new clients and programs | | | | $ | 20,239 | | | | | $ | 40,477 | | | | | $ | 60,716 | | | | Target | | | | $ | 40,477 | | |
Total(2) | | | | $ | 202,386 | | | | | $ | 404,771 | | | | | $ | 607,157 | | | | | | | | $ | 566,680 | | |
| | | 2022 Long-Term Incentive Target Awards | | |||||||||
Named Executive Officer | | | Time-Based Restricted Stock Units (#) | | | Performance-Based Restricted Stock Units (#) | | ||||||
Mark DeFazio | | | | | 14,752 | | | | | | 20,800(1) | | |
Scott Lublin | | | | | 4,179 | | | | | | — | | |
Greg Sigrist | | | | | 3,829 | | | | | | — | | |
Laura Capra | | | | | 3,617 | | | | | | — | | |
Nick Rosenberg | | | | | 4,306 | | | | | | — | | |
Name and principal position | | Year | | Salary ($) | | Stock Awards ($)(1) | | Nonequity Incentive Plan Compensation ($) | | All Other Compensation ($)(2) | | Total ($) | | | Year | | Salary ($) | | Stock Awards ($)(1) | | Non-Equity Incentive Plan Compensation ($) | | All Other Compensation ($)(2) | | Total ($) | | ||||||||||||||||||||||||||||||||||||||||||||||||
Mark R. DeFazio President and CEO | | | | | 2019 | | | | | 700,000 | | | | | 430,371 | | | | | 500,000 | | | | | 64,960 | | | | | 1,695,331 | | | | | | | 2022 | | | | | 980,000 | | | | | 3,106,384 | | | | | 500,000 | | | | | 25,710 | | | | | 4,612,094 | | | ||||||||||
| | | 2018 | | | | | 700,000 | | | | | 2,729,400 | | | | | 650,000 | | | | | 24,530 | | | | | 4,103,930 | | | | | | 2021 | | | | | 800,000 | | | | | 2,991,918 | | | | | 500,000 | | | | | 85,260 | | | | | 4,377,178 | | | |||||||||||||
Mark R. DeFazio President and CEO | | | | 2020 | | | | | 700,000 | | | | | 499,980 | | | | | 750,000 | | | | | 84,455 | | | | | 2,034,435 | | | |||||||||||||||||||||||||||||||||||||||||||
| | | | 2022 | | | | | 374,920 | | | | | 389,340 | | | | | 117,163 | | | | | 10,710 | | | | | 892,133 | | | |||||||||||||||||||||||||||||||||||||||||||
| | | 2021 | | | | | 360,500 | | | | | 220,500 | | | | | 129,780 | | | | | 9,480 | | | | | 720,260 | | | ||||||||||||||||||||||||||||||||||||||||||||
Gregory Sigrist EVP and Chief Financial Officer | | | | 2020 | | | | | 350,000 | | | | | — | | | | | 73,500 | | | | | 1,875 | | | | | 425,375 | | | |||||||||||||||||||||||||||||||||||||||||||
| | | | 2022 | | | | | 373,161 | | | | | 367,830 | | | | | 123,610 | | | | | 10,710 | | | | | 875,311 | | | |||||||||||||||||||||||||||||||||||||||||||
| | | 2021 | | | | | 355,391 | | | | | 360,469 | | | | | 122,610 | | | | | 9,480 | | | | | 847,950 | | | ||||||||||||||||||||||||||||||||||||||||||||
Laura Capra EVP and Head of Retail Banking | | | | 2020 | | | | | 338,468 | | | | | 208,967 | | | | | 220,156 | | | | | 9,330 | | | | | 776,921 | | | |||||||||||||||||||||||||||||||||||||||||||
| | | | 2022 | | | | | 472,443 | | | | | 424,918 | | | | | 177,166 | | | | | 10,710 | | | | | 1,085,237 | | | |||||||||||||||||||||||||||||||||||||||||||
| | | 2021 | | | | | 449,946 | | | | | 2,204,540 | | | | | 250,000 | | | | | 9,480 | | | | | 2,913,966 | | | ||||||||||||||||||||||||||||||||||||||||||||
Scott Lublin EVP and Chief Lending Officer | | | | 2020 | | | | | 432,640 | | | | | 286,000 | | | | | 297,440 | | | | | 9,330 | | | | | 1,025,410 | | | |||||||||||||||||||||||||||||||||||||||||||
| | | | 2019 | | | | | 359,840 | | | | | 193,000 | | | | | 253,687 | | | | | 9,180 | | | | | 815,707 | | | | | | | 2022 | | | | | 404,771 | | | | | 437,853 | | | | | 136,610 | | | | | 10,710 | | | | | 989,944 | | | |||||||||||
| | | 2018 | | | | | 346,000 | | | | | — | | | | | 193,000 | | | | | 8,447 | | | | | 547,447 | | | | | | 2021 | | | | | 389,203 | | | | | 398,816 | | | | | 145,951 | | | | | 9,480 | | | | | 943,450 | | | |||||||||||||
Scott Lublin EVP and Chief Lending Officer(3) | | | | | 2019 | | | | | 416,000 | | | | | — | | | | | 286,000 | | | | | 9,180 | | | | | 711,180 | | | ||||||||||||||||||||||||||||||||||||||||||
| | | 2018 | | | | | 270,952 | | | | | 1,395,900 | | | | | 250,000 | | | | | 3,972 | | | | | 1,920,824 | | | ||||||||||||||||||||||||||||||||||||||||||||
Nick Rosenberg EVP and Head of Global Payments | | | | | 2020 | | | | | 374,233 | | | | | 253,687 | | | | | 132,975 | | | | | 9,330 | | | | | 770,225 | | |
Name | | | Year | | | Time Restricted Stock Awards | | | Performance Stock Awards | | |||||||||
Mark R. DeFazio | | | | | 2019 | | | | | | 11,193 | | | | | | — | | |
| | | 2018 | | | | | | — | | | | | | 60,000 | | | ||
Nick Rosenberg | | | | | 2019 | | | | | | 5,019 | | | | | | — | | |
| | | 2018 | | | | | | — | | | | | | — | | | ||
Scott Lublin | | | | | 2019 | | | | | | — | | | | | | — | | |
| | | 2018 | | | | | | — | | | | | | 30,000 | | |
| | All Other Compensation | | | All Other Compensation | | ||||||||||||||||||||||||||||||||||||||||||||||||||
Name | | Life insurance premiums ($) | | Transportation ($) | | Housing allowance ($) | | 401(k) Plan employer contribution ($) | | Total ($) | | | Life insurance premiums ($) | | Transportation ($) | | 401(k) Employer Contribution ($) | | Total ($) | | ||||||||||||||||||||||||||||||||||||
Mark R. DeFazio | | | | 780 | | | | | 15,780 | | | | | 40,000 | | | | | 8,400 | | | | | 64,960 | | | | | | 780 | | | | | 15,780 | | | | | 9,150 | | | | | 25,710 | | | |||||||||
Gregory Sigrist | | | | 780 | | | | | 780 | | | | | 9,150 | | | | | 10,710 | | | |||||||||||||||||||||||||||||||||||
Laura Capra | | | | 780 | | | | | 780 | | | | | 9,150 | | | | | 10,710 | | | |||||||||||||||||||||||||||||||||||
Scott Lublin | | | | 780 | | | | | 780 | | | | | 9,150 | | | | | 10,710 | | | |||||||||||||||||||||||||||||||||||
Nick Rosenberg | | | | 780 | | | | | — | | | | | — | | | | | 8,400 | | | | | 9,180 | | | | | | 780 | | | | | 780 | | | | | 9,150 | | | | | 10,710 | | | |||||||||
Scott Lublin | | | | 780 | | | | | — | | | | | — | | | | | 8,400 | | | | | 9,180 | | |
Name and principal position | | | Year | | | Salary ($) | | | Value Realized on Stock Awards Vesting ($) | | | Nonequity Incentive Plan Compensation ($) | | | Perquisites ($) | | | Total ($) | | | % of Reported(1) | | |||||||||||||||||||||
Mark R. DeFazio President and CEO | | | | | 2019 | | | | | | 700,000 | | | | | | 260,297 | | | | | | 500,000 | | | | | | 55,780 | | | | | | 1,516,077 | | | | | | 89.43% | | |
| | | 2018 | | | | | | 700,000 | | | | | | 81,876 | | | | | | 650,000 | | | | | | 15,780 | | | | | | 1,447,656 | | | | | | 35.27% | | | ||
Nick Rosenberg EVP and Head of Global Payments | | | | | 2019 | | | | | | 359,840 | | | | | | 142,388 | | | | | | 253,687 | | | | | | 780 | | | | | | 756,695 | | | | | | 92.77% | | |
| | | 2018 | | | | | | 278,099 | | | | | | 72,800 | | | | | | 193,000 | | | | | | 780 | | | | | | 544,679 | | | | | | 99.49% | | | ||
Scott Lublin EVP and Chief Lending Officer | | | | | 2019 | | | | | | 416,000 | | | | | | — | | | | | | 286,000 | | | | | | 780 | | | | | | 702,780 | | | | | | 98.82% | | |
| | | 2018 | | | | | | 270,952 | | | | | | — | | | | | | 250,000 | | | | | | 390 | | | | | | 521,342 | | | | | | 27.16% | | |
| | | | | | | | | Estimated Future Payouts Under Non-Equity Incentive Plan Awards(1) | | | Estimated Future Payouts Under Equity Incentive Plan Awards(2) | | | All Other Stock Awards: Number of Shares of Stock or Units (#) | | | Grant Date Fair Value of Stock and Option Awards(3) ($) | | ||||||||||||||||||||||||||||||||||||
Name | | | Grant Type | | | Grant Date | | | Threshold ($) | | | Target ($) | | | Maximum ($) | | | Threshold ($) | | | Target (#) | | | Maximum (#) | | ||||||||||||||||||||||||||||||
Mark R. DeFazio | | | RSU | | | 2/23/2022 | | | | | — | | | | | | — | | | | | | — | | | | | | — | | | | | | — | | | | | | — | | | | | | 14,752 | | | | | | 1,501,606 | | |
| PRSU | | | 6/1/2022 | | | | | — | | | | | | — | | | | | | — | | | | | | — | | | | | | 20,800 | | | | | | — | | | | | | — | | | | | | 1,606,384 | | | ||
| AIP | | | | | | | | — | | | | | | 1,000,000 | | | | | | — | | | | | | — | | | | | | — | | | | | | — | | | | | | — | | | | | | — | | | ||
Gregory Sigrist | | | RSU | | | 2/23/2022 | | | | | — | | | | | | — | | | | | | — | | | | | | — | | | | | | — | | | | | | — | | | | | | 3,829 | | | | | | 389,754 | | |
| AIP | | | | | | | | 168,714 | | | | | | 374,920 | | | | | | 543,634 | | | | | | — | | | | | | — | | | | | | — | | | | | | — | | | | | | — | | | ||
Laura Capra | | | RSU | | | 2/23/2022 | | | | | — | | | | | | — | | | | | | — | | | | | | — | | | | | | — | | | | | | — | | | | | | 3,617 | | | | | | 368,174 | | |
| AIP | | | | | | | | 167,922 | | | | | | 373,161 | | | | | | 541,083 | | | | | | — | | | | | | — | | | | | | — | | | | | | — | | | | | | — | | | ||
Scott Lublin | | | RSU | | | 2/23/2022 | | | | | — | | | | | | — | | | | | | — | | | | | | — | | | | | | — | | | | | | — | | | | | | 4,179 | | | | | | 425,380 | | |
| AIP | | | | | | | | 236,221 | | | | | | 472,442 | | | | | | 708,663 | | | | | | — | | | | | | — | | | | | | — | | | | | | — | | | | | | — | | | ||
Nick Rosenberg | | | RSU | | | 2/23/2022 | | | | | — | | | | | | — | | | | | | — | | | | | | — | | | | | | — | | | | | | — | | | | | | 4,306 | | | | | | 438,308 | | |
| AIP | | | | | | | | 202,386 | | | | | | 404,771 | | | | | | 607,157 | | | | | | — | | | | | | — | | | | | | — | | | | | | — | | | | | | — | | |
| | | Option Awards | | | Stock Awards | | ||||||||||||||||||||||||||||||||||||||||||||||||||||||
| | | Option Award Grant Date | | | Number of securities underlying unexercised options exercisable | | | Number of securities underlying unexercised options unexercisable | | | Option exercise price ($) | | | Option expiration date | | | Stock Award Grant Date | | | Number of shares or units of stock that have not vested | | | Fair value of shares or units of stock that have not vested(1) ($) | | | Equity Incentive Plan Awards: Number of unearned shares, units or other rights that have not vested | | | Equity Incentive Plan Awards: Market or payout value of unearned shares, units or other rights that have not vested(1) ($) | | ||||||||||||||||||||||||||||||
Mark R. DeFazio | | | | | 10/22/2013 | | | | | | 46,200 | | | | | | — | | | | | | 18.00 | | | | | | 10/22/2023 | | | | | | 06/01/2022 | | | | | | — | | | | | | — | | | | | | 20,800(2) | | | | | | 1,220,336 | | |
| | | 12/02/2013 | | | | | | 74,000 | | | | | | — | | | | | | 18.00 | | | | | | 12/02/2023 | | | | | | 05/03/2021 | | | | | | — | | | | | | — | | | | | | 19,200(3) | | | | | | 1,126,464 | | | ||
| | | 03/18/2014 | | | | | | 30,000 | | | | | | — | | | | | | 18.00 | | | | | | 03/18/2024 | | | | | | 02/23/2021 | | | | | | 6,561(4) | | | | | | 384,934 | | | | | | — | | | | | | — | | | ||
| | | 06/01/2015 | | | | | | 70,000 | | | | | | — | | | | | | 18.00 | | | | | | 06/01/2025 | | | | | | 02/23/2022 | | | | | | 14,752(5) | | | | | | 865,499 | | | | | | — | | | | | | — | | | ||
Gregory Sigrist | | | | | — | | | | | | — | | | | | | — | | | | | | — | | | | | | — | | | | | | 02/23/2022 | | | | | | 3,829(6) | | | | | | 224,647 | | | | | | — | | | | | | — | | |
| | | — | | | | | | — | | | | | | — | | | | | | — | | | | | | — | | | | | | 02/23/2021 | | | | | | 2,893(4) | | | | | | 169,732 | | | | | | — | | | | | | — | | | ||
Laura Capra | | | | | — | | | | | | — | | | | | | — | | | | | | — | | | | | | — | | | | | | 02/23/2022 | | | | | | 3,617(6) | | | | | | 212,209 | | | | | | — | | | | | | — | | |
| | | — | | | | | | — | | | | | | — | | | | | | — | | | | | | — | | | | | | 02/23/2021 | | | | | | 4,730(4) | | | | | | 277,509 | | | | | | — | | | | | | — | | | ||
Scott Lublin | | | | | — | | | | | | — | | | | | | — | | | | | | — | | | | | | — | | | | | | 02/23/2022 | | | | | | 4,179(6) | | | | | | 245,182 | | | | | | — | | | | | | — | | |
| | | — | | | | | | — | | | | | | — | | | | | | — | | | | | | — | | | | | | 05/03/2021 | | | | | | — | | | | | | — | | | | | | 10,000(3) | | | | | | 586,700 | | | ||
| | | — | | | | | | — | | | | | | — | | | | | | — | | | | | | — | | | | | | 02/23/2021 | | | | | | 3,903(4) | | | | | | 228,989 | | | | | | — | | | | | | — | | | ||
Nick Rosenberg | | | | | — | | | | | | — | | | | | | — | | | | | | — | | | | | | — | | | | | | 02/23/2022 | | | | | | 4,306(6) | | | | | | 252,633 | | | | | | — | | | | | | — | | |
| | | — | | | | | | — | | | | | | — | | | | | | — | | | | | | — | | | | | | 02/23/2021 | | | | | | 5,234(4) | | | | | | 307,079 | | | | | | — | | | | | | — | | |
| | | Option Awards | | | Stock Awards | | ||||||||||||||||||||||||||||||||||||||||||
Name | | | Number of securities underlying unexercised options exercisable | | | Number of securities underlying unexercised options unexercisable | | | Option exercise price ($) | | | Option expiration date | | | Number of shares or units of stock that have not vested | | | Fair value of shares or units of stock that have not vested(5) ($) | | | Equity Incentive Plan Awards: Number of unearned shares, units or other rights that have not vested | | | Equity Incentive Plan Awards: Market or payout value of unearned shares, units or other rights that have not vested(5) ($) | | ||||||||||||||||||||||||
Mark R. DeFazio | | | | | 57,000 | | | | | | — | | | | | | 18.00 | | | | | | 10/22/2023 | | | | | | 7,143(1) | | | | | | 344,507 | | | | | | 60,000 | | | | | | 2,893,800 | | |
| | | 74,000 | | | | | | — | | | | | | 18.00 | | | | | | 12/02/2023 | | | | | | 7,462(2) | | | | | | 359,892 | | | | | | — | | | | | | — | | | ||
| | | 30,000 | | | | | | — | | | | | | 18.00 | | | | | | 03/18/2024 | | | | | | — | | | | | | — | | | | | | — | | | | | | — | | | ||
| | | 70,000 | | | | | | — | | | | | | 18.00 | | | | | | 06/01/2025 | | | | | | — | | | | | | — | | | | | | — | | | | | | — | | | ||
Nick Rosenberg | | | | | — | | | | | | — | | | | | | — | | | | | | — | | | | | | 2,000(3) | | | | | | 96,460 | | | | | | — | | | | | | — | | |
| | | — | | | | | | — | | | | | | — | | | | | | — | | | | | | 3,000(1) | | | | | | 144,690 | | | | | | — | | | | | | — | | | ||
| | | — | | | | | | — | | | | | | — | | | | | | — | | | | | | 1,000(4) | | | | | | 48,230 | | | | | | — | | | | | | — | | | ||
| | | — | | | | | | — | | | | | | — | | | | | | — | | | | | | 3,346(2) | | | | | | 161,378 | | | | | | — | | | | | | — | | | ||
Scott Lublin | | | | | — | | | | | | — | | | | | | — | | | | | | — | | | | | | — | | | | | | — | | | | | | 30,000 | | | | | | 1,446,900 | | |
| | | Options Exercised and Stock Vested | | |||||||||||||||||||||
| | | Option Awards | | | Stock Awards | | ||||||||||||||||||
Name | | | Number of Shares Acquired on Exercise (#) | | | Value Realized on Exercise ($) | | | Number of Shares Acquired on Vesting(1) (#) | | | Value Realized on Vesting ($) | | ||||||||||||
Mark R. DeFazio | | | | | 10,800 | | | | | | 415,044 | | | | | | 8,944 | | | | | | 725,026 | | |
Gregory Sigrist | | | | | — | | | | | | — | | | | | | 1,447 | | | | | | 139,418 | | |
Laura Capra | | | | | — | | | | | | — | | | | | | 4,402 | | | | | | 367,017 | | |
Scott Lublin | | | | | — | | | | | | — | | | | | | 3,829 | | | | | | 290,728 | | |
Nick Rosenberg | | | | | — | | | | | | — | | | | | | 5,283 | | | | | | 439,653 | | |
| | | Termination for Cause ($)(1) | | | Termination Without Cause or for Good Reason ($)(2) | | | Payments Due Upon Change in Control ($)(3) | | | Disability ($)(4) | | | Death ($)(5) | | |||||||||||||||
Cash severance | | | | | — | | | | | | 3,440,000 | | | | | | 3,440,000 | | | | | | 3,440,000 | | | | | | 3,440,000 | | |
Restricted stock vesting(6) | | | | | — | | | | | | 3,597,234 | | | | | | 3,597,234 | | | | | | 3,597,234 | | | | | | 3,597,234 | | |
| | | Termination for Cause ($)(1) | | | Termination Without Cause or for Good Reason ($)(2) | | | Payments Due Upon Change in Control ($)(3) | | | Disability ($)(4) | | | Death ($)(5) | | |||||||||||||||
Cash severance | | | | | — | | | | | | 944,886 | | | | | | 944,886 | | | | | | 472,443 | | | | | | 472,443 | | |
Restricted stock vesting(6) | | | | | — | | | | | | 1,647,571 | | | | | | 1,647,571 | | | | | | 1,647,571 | | | | | | 1,647,571 | | |
| | | Gregory Sigrist(7) | | | Laura Capra(7) | | | Nick Rosenberg(7) | | |||||||||
Cash severance | | | | $ | 374,920 | | | | | $ | 373,161 | | | | | $ | 1,101,445 | | |
Restricted stock vesting(6) | | | | | 394,379 | | | | | | 489,718 | | | | | | 559,712 | | |
| | Year(1) | | | | Summary Compensation Table for PEO ($) | | | | Compensation Actually Paid to PEO ($)(2)(3) | | | | Average Summary Compensation Table Total for Non-PEO NEOs ($) | | | | Average Compensation Actually Paid to Non-PEO NEOs ($)(2)(3) | | | | Value of Fixed $100 Investment Based On: | | | | Net Income (in millions) ($) | | | | Non- GAAP Adjusted ROATCE(5) | | | ||||||||||||||||||||||||||||
| Total Shareholder Return ($) | | | | Peer Group Total Shareholder Return ($)(4) | | | |||||||||||||||||||||||||||||||||||||||||||||||||||||
| | (a) | | | | (b) | | | | (c) | | | | (d) | | | | (e) | | | | (f) | | | | (g) | | | | (h) | | | | (i) | | | ||||||||||||||||||||||||
| | 2022 | | | | | | 4,612,094 | | | | | | | 2,045,247 | | | | | | | 960,656 | | | | | | | 249,561 | | | | | | | 122 | | | | | | | 116 | | | | | | | 59.4 | | | | | | | 16.6% | | | |
| | 2021 | | | | | | 4,377,178 | | | | | | | 8,378,208 | | | | | | | 1,928,708 | | | | | | | 3,506,689 | | | | | | | 221 | | | | | | | 125 | | | | | | | 60.6 | | | | | | | 15.2% | | | |
| | 2020 | | | | | | 2,034,435 | | | | | | | 1,013,573 | | | | | | | 901,166 | | | | | | | 621,579 | | | | | | | 75 | | | | | | | 91 | | | | | | | 39.5 | | | | | | | 12.9% | | | |
| | PEO Adjustments | | | | 2022 ($) | | | | 2021 ($) | | | | 2020 ($) | | | |||||||||
| | Summary Compensation Table Total | | | | | | 4,612,094 | | | | | | | 4,377,178 | | | | | | | 2,034,435 | | | |
| | Deduct Fair Value of Equity Awards included in Summary Compensation Table | | | | | | 3,106,384 | | | | | | | 2,991,918 | | | | | | | 499,980 | | | |
| | Add Fair Value of Awards Granted in Current Year and Outstanding and Unvested at Year-End | | | | | | 2,085,836 | | | | | | | 5,224,444 | | | | | | | 238,076 | | | |
| | Add Change in Fair Value of Awards Granted in Prior Years and Outstanding and Unvested at Year-End | | | | | | (1,232,921) | | | | | | | 397,882 | | | | | | | (819,176) | | | |
| | Add Fair Value of Awards Granted and Vested in Current Year | | | | | | — | | | | | | | — | | | | | | | 117,889 | | | |
| | Add Change in Fair Value of Awards Granted in Prior Years that Vested during Year | | | | | | (313,378) | | | | | | | 1,370,622 | | | | | | | (57,671) | | | |
| | Total CAP | | | | | | 2,045,247 | | | | | | | 8,378,208 | | | | | | | 1,013,573 | | | |
| | Non-PEO NEO Adjustments | | | | 2022 ($) | | | | 2021 ($) | | | | 2020 ($) | | | |||||||||
| | Summary Compensation Table Total | | | | | | 960,656 | | | | | | | 1,928,708 | | | | | | | 901,166 | | | |
| | Deduct Fair Value of Equity Awards included in Summary Compensation Table | | | | | | 404,985 | | | | | | | 1,301,678 | | | | | | | 247,484 | | | |
| | Add Fair Value of Awards Granted in Current Year and Outstanding and Unvested at Year-End | | | | | | 233,668 | | | | | | | 2,328,053 | | | | | | | 117,823 | | | |
| | Add Change in Fair Value of Awards Granted in Prior Years and Outstanding and Unvested at Year-End | | | | | | (439,833) | | | | | | | 159,560 | | | | | | | (198,907) | | | |
| | Add Fair Value of Awards Granted and Vested in Current Year | | | | | | — | | | | | | | — | | | | | | | 58,370 | | | |
| | Add Change in Fair Value of Awards Granted in Prior Years that Vested during Year | | | | | | (99,945) | | | | | | | 392,046 | | | | | | | (9,389) | | | |
| | Total CAP | | | | | | 249,561 | | | | | | | 3,506,689 | | | | | | | 621,579 | | | |
| | Financial Performance Measures | | |
| | Adjusted ROATCE | | |
| | Net Income | | |
| | Loans | | |
Name(1) | | Fees earned or paid in cash ($) | | Stock Awards ($)(3) | | Total ($) | | | Fees earned or paid in cash ($) | | Stock Awards ($)(2) | | Total ($) | | ||||||||||||||||||||||||
Anthony J. Fabiano | | | | 72,000 | | | | | 103,990 | | | | | 175,990 | | | ||||||||||||||||||||||
Dale C. Fredston | | | | 59,500 | | | | | 155,157 | | | | | 214,657 | | | | | | 57,000 | | | | | 103,990 | | | | | 160,990 | | | ||||||
David M. Gavrin | | | | 67,000 | | | | | 155,157 | | | | | 222,157 | | | ||||||||||||||||||||||
David J. Gold | | | | 98,500 | | | | | 155,157 | | | | | 253,657 | | | | | | 131,000 | | | | | 103,990 | | | | | 234,990 | | | ||||||
Harvey M. Gutman | | | | 56,000 | | | | | 155,157 | | | | | 211,157 | | | | | | 104,000 | | | | | 103,990 | | | | | 207,990 | | | ||||||
Terence J. Mitchell | | | | 12,000 | | | | | 155,157 | | | | | 167,157 | | | | | | 139,000 | | | | | 103,990 | | | | | 242,990 | | | ||||||
Robert C. Patent(2) | | | | 111,000 | | | | | 155,157 | | | | | 266,157 | | | ||||||||||||||||||||||
Chaya Pamula | | | | 92,000 | | | | | 110,541 | | | | | 202,541 | | | ||||||||||||||||||||||
Robert C. Patent(3) | | | | 129,000 | | | | | 103,990 | | | | | 232,990 | | | ||||||||||||||||||||||
Maria F. Ramirez | | | | 46,500 | | | | | 155,157 | | | | | 201,657 | | | | | | 76,500 | | | | | 103,990 | | | | | 180,490 | | | ||||||
William Reinhardt(2) | | | | 247,500 | | | | | 155,157 | | | | | 402,657 | | | ||||||||||||||||||||||
Robert Usdan | | | | 28,000 | | | | | 155,157 | | | | | 183,157 | | | ||||||||||||||||||||||
William Reinhardt(3) | | | | 296,000 | | | | | 103,990 | | | | | 399,990 | | | ||||||||||||||||||||||
Katrina Robinson | | | | 46,000 | | | | | 110,541 | | | | | 156,541 | | | ||||||||||||||||||||||
George J. Wolf, Jr. | | | | 30,000 | | | | | 155,157 | | | | | 185,157 | | | | | | 80,000 | | | | | 103,990 | | | | | 183,990 | | |
Chair | | Retainer | | | Retainer | | ||||||||
Board Chair | | | $ | 50,000 | | | | | $ | 75,000 | | | ||
Compensation Committee Chair | | | | 15,000 | | | | | | 15,000 | | | ||
Audit Committee Chair | | | | 50,000 | | | | | | 50,000 | | | ||
ORM Committee Chair | | | | 25,000 | | | | | | 25,000 | | | ||
Governance Committee Chair | | | | 15,000 | | | | | | 15,000 | | | ||
ARG Committee Chair | | | | 5,000 | | | | | | 5,000 | | | ||
Loan Committee Chair | | | | 10,000 | | | ||||||||
Credit Committee Chair | | | | 10,000 | | | ||||||||
COC Chair | | | | 10,000 | | | ||||||||
Technology Committee Chair | | | | 10,000 | | |
Committee Meeting | | Fee | | | Fee | | ||||||||
Audit Committee | | | $ | 2,500 | | | | | $ | 2,500 | | | ||
Compensation Committee | | | | 2,000 | | | | | | 2,000 | | | ||
Governance Committee | | | | 2,000 | | | | | | 2,000 | | | ||
ARG Committee | | | | 2,000 | | | | | | 2,000 | | | ||
Loan Committee | | | | 2,000 | | | ||||||||
Credit Committee | | | | 2,000 | | | ||||||||
ORM Committee | | | | 2,000 | | | | | | 2,000 | | | ||
ALCO Committee | | | | 2,000 | | | ||||||||
ALCO | | | | 2,000 | | | ||||||||
COC | | | | 2,000 | | | ||||||||
Technology Committee | | | | 2,000 | | |
| | 2019 | | 2018 | | | 2022 | | 2021 | | ||||||||||||||||
Audit Fees | | | $ | 391,500 | | | | $ | 416,361 | | | | | $ | 527,600 | | | | $ | 443,842 | | | ||||
Audit-Related Fees | | | | — | | | | | — | | | | | | 12,500(1) | | | | | 162,008(2) | | | ||||
Tax Fees | | | | — | | | | | — | | | | | | — | | | | | — | | | ||||
All Other Fees | | | | 29,000(1) | | | | | — | | | | | | — | | | | | — | | |