Non-interest expense, comprised of various operating expenses, increased $9.7 million to $86.0 million for the three months ended December 31, 2021 from $76.3 million for the three months ended December 31, 2020. The net increase was primarily driven by increases of $3.2 million in other general and administrative, $2.5 million in data processing, $1.8 million in salary and payroll costs and $1.2 million in broker-dealer clearing charges. These increases largely result from growth at the Bank as well as the addition of AAS operations.