the geographic information required by item 101 ( d ) of regulation s-k promulgated under the securities exchange act of 1934 , as amended , is impracticable for the corporation to calculate ; however , the corporation does not believe that a material amount of revenue in any of the last three years was attributable to customers outside of the united states , nor does it believe that a material amount of its long-lived assets , in any of the past three years , was located outside of the united states . 34 critical accounting policies , judgments and estimates the accounting and reporting policies of the corporation conform to u.s. generally accepted accounting principles ( “ gaap ” ) . all significant intercompany balances and transactions are eliminated in consolidation and certain reclassifications are made when necessary in order to conform the previous years ' consolidated financial statements to the current year 's presentation . in preparing the consolidated financial statements , management is required to make estimates and assumptions that affect the reported amount of assets and liabilities as of the dates of the balance sheets and revenues and expenditures for the periods presented . therefore , actual results could differ from these estimates . the allowance for credit losses ( “ acl ” ) on loans and leases on january 1 , 2020 , asu 2016-13 ( topic 326 - credit losses ) , commonly referenced as the current expected credit loss ( “ cecl ” ) became effective for the corporation . cecl has changed the way we estimate credit losses for loans and leases , including off-balance sheet ( “ obs ” ) credit exposures for reporting periods beginning after january 1 , 2020. for more information regarding the cecl standard , see note 2 , “ recent accounting pronouncements ” in the accompanying notes to the consolidated financial statements in this ann ual report on form 10-k. the acl on loans and leases represents management 's estimate of all expected credit losses over the expected contractual life of our existing portfolio loans and leases . determining the appropriateness of the acl on loans and leases is complex and requires judgment by management about the effect of matters that are inherently uncertain . subsequent evaluations of the then-existing loan portfolio , in light of the factors then prevailing , may result in significant changes in the acl on loans and leases in those future periods . the provision for credit loss recorded through earnings is the amount necessary to maintain the acl on loans and leases at the amount of expected credit losses within the loans and leases portfolio . the amount of expense and the corresponding level of acl on loans and leases are based on management 's evaluation of the collectability of the loan and lease portfolio based on historical loss experience , reasonable and supportable forecasts , and other significant qualitative and quantitative factors not captured in the historical loss experience . the acl on loans and leases , as reported in our consolidated statements of financial condition , is adjusted by an expense for credit losses , which is recognized in earnings , and reduced by the charge-off of loan and lease amounts , net of recoveries . for further information on the acl on loans and leases , see note 5 - loans and leases in the accompanying notes to the consolidated financial statements in this annual report on form 10-k. management employs a disciplined process and methodology to establish the acl on loans and leases that has two basic components : first , a collective ( pooled ) component for estimated expected credit losses for pools of loans and leases that share similar risk characteristics ; and second , an asset-specific component involving individual loans and leases that do not share risk characteristics with other loans and leases and the measurement of expected credit losses for such individual loans . based upon this methodology , management establishes an asset-specific acl on loans and leases that do not share risk characteristics with other loans and leases , which generally include nonaccrual loans and leases , tdrs , and pcd loans . the asset-specific acl is based on the amount of expected credit losses calculated on those loans and leases and amounts determined to be uncollectible are charged off . factors we consider in measuring the extent of expected credit loss include payment status , collateral value , borrower financial condition , guarantor support and the probability of collecting scheduled principal and interest payments when due . when a loan or lease does not share risk characteristics with other loans or leases , they are individually evaluated for expected credit loss . for loans and leases that are not collateral-dependent , management measures expected credit loss as the difference between the amortized cost basis in the loan and the present value of expected future cash flows discounted at the loan 's effective interest rate . for collateral-dependent loans and leases , expected credit loss is measured as the difference between the amortized cost basis in the loan and the fair value of the underlying collateral . the fair value of the collateral is adjusted for the estimated cost to sell if repayment or satisfaction of a loan is dependent on the sale ( rather than only on the operation ) of the collateral . if the calculated expected credit loss is determined to be permanent , fixed or nonrecoverable , the credit loss portion of the loan will be charged off against the acl on loans and leases . loans and leases designated as having significantly increased credit risk are generally placed on nonaccrual and remain in that status until all principal and interest payments are current and the prospects for future payments in accordance with the loan agreement are reasonably assured , at which point the loan is returned to accrual status . story_separator_special_tag the acl on loans and leases was $ 53.7 million as of december 31 , 2020 , an increase of $ 31.1 million as compared to december 31 , 2019. the significant increase was driven by the current and forward-looking adverse economic impacts of the covid-19 pandemic included in the 38 estimation of expected credit losses on loans and leases as of december 31 , 2020 as compared to our initial adoption of cecl . while the acl on loans and leases increased , asset quality as of december 31 , 2020 remained stable , with nonperforming loans and leases comprising 0.15 % of portfolio loans and leases as compared to 0.29 % of portfolio loans and leases as of december 31 , 2019. investment securities available for sale of $ 1.17 billion as of december 31 , 2020 increased $ 169.0 million , or 16.8 % , from $ 1.01 billion as of december 31 , 2019. increases of $ 94.4 million , $ 87.9 million , and $ 11.4 million in collateralized loan obligations , mortgage-backed securities , and corporate bonds , respectively , were partially offset by decreases of $ 12.6 million and $ 8.9 million in collateralized mortgage obligations and u.s. government and agency securities , respectively . total deposits of $ 4.38 billion as of december 31 , 2020 increased $ 534.0 million , or 13.9 % , from $ 3.84 billion as of december 31 , 2019. increases of $ 503.7 million , $ 97.1 million , $ 62.0 million , and $ 57.1 million in noninterest bearing deposits , wholesale non-maturity deposits , savings accounts , and money market accounts , respectively , were offset by decreases of $ 73.6 million , $ 59.1 million , and $ 53.2 million in retail time deposits , interest-bearing demand accounts , and wholesale time deposits , respectively . the increase in noninterest bearing deposits was primarily due to the bank 's ppp loan customers depositing loan funds into bank deposit accounts during the second quarter of 2020. wealth assets wealth assets under management , administration , supervision and brokerage of $ 18.98 billion as of december 31 , 2020 increased $ 2.43 billion , or 14.68 % , from $ 16.55 billion as of december 31 , 2019. wealth assets consisted of $ 11.86 billion of wealth assets where fees are set at fixed amounts and $ 7.12 billion of wealth assets where fees are predominantly determined based on the market value of the assets held in their accounts as of december 31 , 2020 , increases of $ 2.28 billion and $ 144.5 million , respectively , from december 31 , 2019. other matters crusader servicing corporation ( “ crusader ” ) , which was an 80 % owned subsidiary of royal bank america that was acquired by the bank in the rbpi merger , along with the bank as successor-in-interest to royal bank america , are defendants in the case captioned snyder v. crusader servicing corporation et al . , case no . 2007-01027 , in the court of common pleas of montgomery county , pennsylvania . the case involves claims brought by a former crusader shareholder in 2007 against crusader , its former directors and remaining shareholders related , among other things , to a purported failure to pay amounts allegedly due to snyder for his shares of crusader stock . on may 1 , 2019 , the court rendered a decision in favor of snyder and ordered crusader to pay snyder the amount of $ 2,190,000 plus interest at the rate of 6 % from december 1 , 2006. the matter was appealed , and on march 18 , 2020 , the superior court of the commonwealth of pennsylvania returned an opinion reversing in part and affirming in part the trial court 's judgment . the effect of this was to vacate the initial judgment awarded by the trial court , and instead to require an appraisal process in accordance with crusader 's shareholders ' agreement to determine the value of mr. snyder 's shares . the parties anticipate the appraisal to commence within the coming months . we do not believe that this ruling and any monetary award ultimately payable by crusader will be material to the consolidated financial position , consolidated results of operations or consolidated cash flows of the corporation . 2019 compared to 2018 income statement the corporation reported net income attributable to bryn mawr bank corporation of $ 59.2 million , or $ 2.93 diluted earnings per share for the year ended december 31 , 2019 , a decrease of $ 4.6 million and $ 0.20 , respectively , as compared to net income attributable to bryn mawr bank corporation of $ 63.8 million , or $ 3.13 diluted earnings per share , for the year ended december 31 , 2018. roe and roa for the year ended december 31 , 2019 were 10.05 % and 1.26 % , respectively , as compared to 11.78 % and 1.47 % , respectively , for the same period in 2018. contributing to the net income decrease was a decrease of $ 1.8 million in net interest income and increases of $ 6.2 million , $ 1.4 million , and $ 1.3 million in noninterest expense , income tax expense , and provision , respectively , offset by a $ 6.2 million increase in noninterest income . tax-equivalent net interest income of $ 148.1 million for the year ended december 31 , 2019 decreased $ 1.8 million as compared to $ 149.9 million for the year ended december 31 , 2018. the decrease was primarily due to a $ 15.4 million increase in interest expense on interest-bearing deposits , partially offset by increases of $ 9.8 million and $ 2.2 million in interest income on tax-equivalent interest and fees on loans and leases and tax-equivalent interest income on available for sale investment securities , respectively , and decreases of

liquidity the corporation has significant sources of liquidity as of december 31 , 2020. the liquidity position is managed on a daily basis as part of the daily settlement function , and on a monthly basis as part of the asset liability management process . the corporation 's primary liquidity is maintained by managing its deposits , along with the utilization of borrowings from the fhlb , purchased federal funds , and utilization of other wholesale funding sources . secondary sources of liquidity include the sale of certain investment securities and certain loans in the secondary market . other wholesale funding sources include deposit from brokers , generally available in blocks of $ 1.0 million or more . funds obtained through these programs totaled $ 236.0 million as of december 31 , 2020. as of december 31 , 2020 , the maximum borrowing capacity with the fhlb was $ 1.77 billion , with an unused borrowing availability of $ 1.70 billion . borrowing availability at the federal reserve discount window was $ 127.7 million , and overnight fed funds lines , consisting of lines from six banks , totaled $ 74.0 million . on a monthly basis , the alco reviews the corporation 's liquidity needs . this information is reported to the risk management committee of the board of directors on a quarterly basis .


 Write a concise suspicious activity report of the following text delimited by triple backquotes. Return your response as a formal report which covers the key points highlighting the location,dates,entity names and account holder information in chronological order of the text.
     ```liquidity the corporation has significant sources of liquidity as of december 31 , 2020. the liquidity position is managed on a daily basis as part of the daily settlement function , and on a monthly basis as part of the asset liability management process . the corporation 's primary liquidity is maintained by managing its deposits , along with the utilization of borrowings from the fhlb , purchased federal funds , and utilization of other wholesale funding sources . secondary sources of liquidity include the sale of certain investment securities and certain loans in the secondary market . other wholesale funding sources include deposit from brokers , generally available in blocks of $ 1.0 million or more . funds obtained through these programs totaled $ 236.0 million as of december 31 , 2020. as of december 31 , 2020 , the maximum borrowing capacity with the fhlb was $ 1.77 billion , with an unused borrowing availability of $ 1.70 billion . borrowing availability at the federal reserve discount window was $ 127.7 million , and overnight fed funds lines , consisting of lines from six banks , totaled $ 74.0 million . on a monthly basis , the alco reviews the corporation 's liquidity needs . this information is reported to the risk management committee of the board of directors on a quarterly basis .
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 Suspicious Activity Report : the geographic information required by item 101 ( d ) of regulation s-k promulgated under the securities exchange act of 1934 , as amended , is impracticable for the corporation to calculate ; however , the corporation does not believe that a material amount of revenue in any of the last three years was attributable to customers outside of the united states , nor does it believe that a material amount of its long-lived assets , in any of the past three years , was located outside of the united states . 34 critical accounting policies , judgments and estimates the accounting and reporting policies of the corporation conform to u.s. generally accepted accounting principles ( “ gaap ” ) . all significant intercompany balances and transactions are eliminated in consolidation and certain reclassifications are made when necessary in order to conform the previous years ' consolidated financial statements to the current year 's presentation . in preparing the consolidated financial statements , management is required to make estimates and assumptions that affect the reported amount of assets and liabilities as of the dates of the balance sheets and revenues and expenditures for the periods presented . therefore , actual results could differ from these estimates . the allowance for credit losses ( “ acl ” ) on loans and leases on january 1 , 2020 , asu 2016-13 ( topic 326 - credit losses ) , commonly referenced as the current expected credit loss ( “ cecl ” ) became effective for the corporation . cecl has changed the way we estimate credit losses for loans and leases , including off-balance sheet ( “ obs ” ) credit exposures for reporting periods beginning after january 1 , 2020. for more information regarding the cecl standard , see note 2 , “ recent accounting pronouncements ” in the accompanying notes to the consolidated financial statements in this ann ual report on form 10-k. the acl on loans and leases represents management 's estimate of all expected credit losses over the expected contractual life of our existing portfolio loans and leases . determining the appropriateness of the acl on loans and leases is complex and requires judgment by management about the effect of matters that are inherently uncertain . subsequent evaluations of the then-existing loan portfolio , in light of the factors then prevailing , may result in significant changes in the acl on loans and leases in those future periods . the provision for credit loss recorded through earnings is the amount necessary to maintain the acl on loans and leases at the amount of expected credit losses within the loans and leases portfolio . the amount of expense and the corresponding level of acl on loans and leases are based on management 's evaluation of the collectability of the loan and lease portfolio based on historical loss experience , reasonable and supportable forecasts , and other significant qualitative and quantitative factors not captured in the historical loss experience . the acl on loans and leases , as reported in our consolidated statements of financial condition , is adjusted by an expense for credit losses , which is recognized in earnings , and reduced by the charge-off of loan and lease amounts , net of recoveries . for further information on the acl on loans and leases , see note 5 - loans and leases in the accompanying notes to the consolidated financial statements in this annual report on form 10-k. management employs a disciplined process and methodology to establish the acl on loans and leases that has two basic components : first , a collective ( pooled ) component for estimated expected credit losses for pools of loans and leases that share similar risk characteristics ; and second , an asset-specific component involving individual loans and leases that do not share risk characteristics with other loans and leases and the measurement of expected credit losses for such individual loans . based upon this methodology , management establishes an asset-specific acl on loans and leases that do not share risk characteristics with other loans and leases , which generally include nonaccrual loans and leases , tdrs , and pcd loans . the asset-specific acl is based on the amount of expected credit losses calculated on those loans and leases and amounts determined to be uncollectible are charged off . factors we consider in measuring the extent of expected credit loss include payment status , collateral value , borrower financial condition , guarantor support and the probability of collecting scheduled principal and interest payments when due . when a loan or lease does not share risk characteristics with other loans or leases , they are individually evaluated for expected credit loss . for loans and leases that are not collateral-dependent , management measures expected credit loss as the difference between the amortized cost basis in the loan and the present value of expected future cash flows discounted at the loan 's effective interest rate . for collateral-dependent loans and leases , expected credit loss is measured as the difference between the amortized cost basis in the loan and the fair value of the underlying collateral . the fair value of the collateral is adjusted for the estimated cost to sell if repayment or satisfaction of a loan is dependent on the sale ( rather than only on the operation ) of the collateral . if the calculated expected credit loss is determined to be permanent , fixed or nonrecoverable , the credit loss portion of the loan will be charged off against the acl on loans and leases . loans and leases designated as having significantly increased credit risk are generally placed on nonaccrual and remain in that status until all principal and interest payments are current and the prospects for future payments in accordance with the loan agreement are reasonably assured , at which point the loan is returned to accrual status . story_separator_special_tag the acl on loans and leases was $ 53.7 million as of december 31 , 2020 , an increase of $ 31.1 million as compared to december 31 , 2019. the significant increase was driven by the current and forward-looking adverse economic impacts of the covid-19 pandemic included in the 38 estimation of expected credit losses on loans and leases as of december 31 , 2020 as compared to our initial adoption of cecl . while the acl on loans and leases increased , asset quality as of december 31 , 2020 remained stable , with nonperforming loans and leases comprising 0.15 % of portfolio loans and leases as compared to 0.29 % of portfolio loans and leases as of december 31 , 2019. investment securities available for sale of $ 1.17 billion as of december 31 , 2020 increased $ 169.0 million , or 16.8 % , from $ 1.01 billion as of december 31 , 2019. increases of $ 94.4 million , $ 87.9 million , and $ 11.4 million in collateralized loan obligations , mortgage-backed securities , and corporate bonds , respectively , were partially offset by decreases of $ 12.6 million and $ 8.9 million in collateralized mortgage obligations and u.s. government and agency securities , respectively . total deposits of $ 4.38 billion as of december 31 , 2020 increased $ 534.0 million , or 13.9 % , from $ 3.84 billion as of december 31 , 2019. increases of $ 503.7 million , $ 97.1 million , $ 62.0 million , and $ 57.1 million in noninterest bearing deposits , wholesale non-maturity deposits , savings accounts , and money market accounts , respectively , were offset by decreases of $ 73.6 million , $ 59.1 million , and $ 53.2 million in retail time deposits , interest-bearing demand accounts , and wholesale time deposits , respectively . the increase in noninterest bearing deposits was primarily due to the bank 's ppp loan customers depositing loan funds into bank deposit accounts during the second quarter of 2020. wealth assets wealth assets under management , administration , supervision and brokerage of $ 18.98 billion as of december 31 , 2020 increased $ 2.43 billion , or 14.68 % , from $ 16.55 billion as of december 31 , 2019. wealth assets consisted of $ 11.86 billion of wealth assets where fees are set at fixed amounts and $ 7.12 billion of wealth assets where fees are predominantly determined based on the market value of the assets held in their accounts as of december 31 , 2020 , increases of $ 2.28 billion and $ 144.5 million , respectively , from december 31 , 2019. other matters crusader servicing corporation ( “ crusader ” ) , which was an 80 % owned subsidiary of royal bank america that was acquired by the bank in the rbpi merger , along with the bank as successor-in-interest to royal bank america , are defendants in the case captioned snyder v. crusader servicing corporation et al . , case no . 2007-01027 , in the court of common pleas of montgomery county , pennsylvania . the case involves claims brought by a former crusader shareholder in 2007 against crusader , its former directors and remaining shareholders related , among other things , to a purported failure to pay amounts allegedly due to snyder for his shares of crusader stock . on may 1 , 2019 , the court rendered a decision in favor of snyder and ordered crusader to pay snyder the amount of $ 2,190,000 plus interest at the rate of 6 % from december 1 , 2006. the matter was appealed , and on march 18 , 2020 , the superior court of the commonwealth of pennsylvania returned an opinion reversing in part and affirming in part the trial court 's judgment . the effect of this was to vacate the initial judgment awarded by the trial court , and instead to require an appraisal process in accordance with crusader 's shareholders ' agreement to determine the value of mr. snyder 's shares . the parties anticipate the appraisal to commence within the coming months . we do not believe that this ruling and any monetary award ultimately payable by crusader will be material to the consolidated financial position , consolidated results of operations or consolidated cash flows of the corporation . 2019 compared to 2018 income statement the corporation reported net income attributable to bryn mawr bank corporation of $ 59.2 million , or $ 2.93 diluted earnings per share for the year ended december 31 , 2019 , a decrease of $ 4.6 million and $ 0.20 , respectively , as compared to net income attributable to bryn mawr bank corporation of $ 63.8 million , or $ 3.13 diluted earnings per share , for the year ended december 31 , 2018. roe and roa for the year ended december 31 , 2019 were 10.05 % and 1.26 % , respectively , as compared to 11.78 % and 1.47 % , respectively , for the same period in 2018. contributing to the net income decrease was a decrease of $ 1.8 million in net interest income and increases of $ 6.2 million , $ 1.4 million , and $ 1.3 million in noninterest expense , income tax expense , and provision , respectively , offset by a $ 6.2 million increase in noninterest income . tax-equivalent net interest income of $ 148.1 million for the year ended december 31 , 2019 decreased $ 1.8 million as compared to $ 149.9 million for the year ended december 31 , 2018. the decrease was primarily due to a $ 15.4 million increase in interest expense on interest-bearing deposits , partially offset by increases of $ 9.8 million and $ 2.2 million in interest income on tax-equivalent interest and fees on loans and leases and tax-equivalent interest income on available for sale investment securities , respectively , and decreases of

