(5) The quarters ended December 31, 2020 and September 30, 2020 exclude one $6.1 million hotel loan classified as held for sale. Live Oak Bancshares, Inc. Quarterly Average Balances and Net Interest Margin (Dollars in thousands) (1) Average loan and lease balances include non-accruing loans. Live Oak Bancshares, Inc. GAAP to Non-GAAP Reconciliation (Dollars in thousands) Live Oak Bancshares, Inc. GAAP to Non-GAAP Reconciliation (Continued) (Dollars in thousands) This press release presents the non-GAAP financial measures.