other government agencies , that impact money supply and market interest rates ; the effects of changes in u.s. federal , state or local tax laws ; the effects of negative publicity on the corporation 's reputation ; the effects of adverse outcomes in litigation and governmental or administrative proceedings ; the potential to incur losses in connection with repurchase and indemnification payments related to sold loans ; the corporation 's ability to achieve its growth plans ; completed and potential acquisitions may affect costs and the corporation may not be able to successfully integrate the acquired business or realize the anticipated benefits from such acquisitions ; the effects of competition on deposit rates and growth , loan rates and growth and net interest margin ; 33 the corporation 's ability to manage the level of non-interest expenses , including salaries and employee benefits expenses , operating risk losses and goodwill impairment ; the effects of changes in accounting policies , standards , and interpretations on the corporation 's reporting of its financial condition and results of operations ; the impact of operational risks , including the risk of human error , inadequate or failed internal processes and systems , computer and telecommunications systems failures , faulty or incomplete data and an inadequate risk management framework ; the impact of failures of third parties upon which the corporation relies to perform in accordance with contractual arrangements ; the failure or circumvention of the corporation 's system of internal controls ; the loss of , or failure to safeguard , confidential or proprietary information ; the corporation 's failure to identify and to address cyber-security risks , including data breaches and cyber-attacks ; the corporation 's ability to keep pace with technological changes ; the corporation 's ability to attract and retain talented personnel ; capital and liquidity strategies , including the corporation 's ability to comply with applicable capital and liquidity requirements , and the corporation 's ability to generate capital internally or raise capital on favorable terms ; the corporation 's reliance on its subsidiaries for substantially all of its revenues and its ability to pay dividends or other distributions ; and the effects of any downgrade in the corporation 's or fulton bank 's credit ratings on their borrowing costs or access to capital markets . overview the corporation is a financial holding company , which , through its wholly owned banking subsidiary , provides a full range of retail and commercial financial services in pennsylvania , delaware , maryland , new jersey and virginia . during 2018 , the corporation consolidated two of its wholly owned banking subsidiaries into its lead bank , fulton bank , and during 2019 , the remaining three wholly owned banking subsidiaries were consolidated into fulton bank . the corporation generates the majority of its revenue through net interest income , or the difference between interest earned on loans and investments and interest paid on deposits and borrowings . growth in net interest income is dependent upon balance sheet growth and maintaining or increasing the net interest margin , which is net interest income ( fully taxable-equivalent , or `` fte `` ) as a percentage of average interest-earning assets . the corporation also generates revenue through fees earned on the various services and products offered to its customers and through gains on sales of assets , such as loans , investments and properties . offsetting these revenue sources are provisions for credit losses on loans and leases and off-balance sheet credit risks , non-interest expenses and income taxes . the following table presents a summary of the corporation 's earnings and selected performance ratios : replace_table_token_5_th ( 1 ) ratio represents a financial measure derived by methods other than u.s. generally accepted accounting principles ( `` gaap `` ) . see reconciliation of this non-gaap financial measure to the most directly comparable gaap measure under the heading , `` supplemental reporting of non-gaap based financial measures , `` in item 6. selected financial data . ( 2 ) presented on an fte basis , using a 21 % federal tax rate and statutory interest expense disallowances . see also the `` net interest income `` section of management 's discussion . 34 following is a summary of the financial highlights for the year ended december 31 , 2019 : net income per share growth - diluted net income per share increased $ 0.17 , or 14.4 % , to $ 1.35 in 2019 compared to $ 1.18 in 2018 . the growth in net income per share was due to a $ 17.9 million , or 8.6 % , increase in net income and the impact of an 8.8 million , or 5.0 % , decrease in weighted average diluted shares outstanding in comparison to 2018 . the increase in net income was driven by a $ 17.9 million , or 2.8 % , increase in net interest income , a $ 14.1 million decrease in the provision for credit losses , a $ 15.9 million , or 8.1 % , increase in non-interest income , and a $ 4.7 million increase in investment securities gains , partially offset by a $ 21.6 million , or 4.0 % , increase in non-interest expense and a $ 13.1 million increase in income taxes . net interest income growth - the $ 17.9 million increase in net interest income resulted from growth in interest-earning assets , partially offset by the impact of a lower net interest margin . ◦ net interest margin - for the year ended december 31 , 2019 , the net interest margin decreased 4 basis points , or 1.2 % , in comparison to 2018 , driven by an 18 basis point increase in yields on interest-earning assets , being more than offset by a 22 basis point increase in the cost of funds . story_separator_special_tag ( 3 ) average balances include amortized historical cost for available for sale securities ; the related unrealized holding gains ( losses ) are included in other assets . 39 the following table summarizes the changes in fte interest income and interest expense resulting from changes in average balances ( volumes ) and changes in rates : replace_table_token_7_th note : changes which are partially attributable to both volume and rate are allocated to the volume and rate components presented above based on the percentage of the direct changes that are attributable to each component . comparison of 2019 to 2018 the federal open market committee ( `` fomc `` ) increased the target federal funds rate ( `` fed funds rate `` ) by 25 basis points in each of march , june , september and december of 2018. during 2019 , the fomc decreased the fed funds rate by 25 basis points in each of august , september and october . these changes in the fed funds rate resulted in corresponding increases or decreases to the index rates for the corporation 's variable and adjustable rate loans , primarily the prime rate and the london interbank offered rate ( `` libor `` ) as well as for certain interest-bearing liabilities . fte net interest income increased $ 18.8 million , or 2.9 % , to $ 661.4 million in 2019 . net interest margin decreased 4 basis points to 3.36 % in 2019 from 3.40 % in 2018 . as summarized above , fte interest income increased $ 35.4 million as the result of an 18 basis point increase in the yield on interest-earning assets , and increased $ 32.3 million as the result of a $ 796.4 million , or 4.2 % , increase in average interest-earning assets , primarily loans and leases . the average yield on the loan and lease portfolio increased 17 basis points , to 4.55 % , largely due to the aforementioned increases in the fed funds rate in 2018 and corresponding increases to loan index rates . all variable and certain adjustable rate loans repriced to higher rates as a result of these interest rate increases , and yields on new loan originations exceeded the average yield on the loan portfolio . adjustable rate loans reprice on dates specified in the loan agreements , which may be later than the date the fed funds rate and related loan index rates increase or decrease . therefore , the benefit of increases or the reverse effect of decreases in index rates on adjustable rate loans may not be fully realized until future periods . interest expense increased $ 48.9 million , with a 28 basis point increase in the rate on average interest-bearing liabilities contributing $ 39.7 million to this increase . the rates on average interest-bearing time , savings accounts and demand deposits increased 45 , 25 and 20 basis points , respectively . these rate increases contributed $ 12.9 million , $ 12.5 million and $ 8.6 million , respectively , to the increase in interest expense . in addition , the 63 basis point increase in the rates on short-term borrowings contributed $ 5.3 million to the increase in interest expense . assuming no further changes in the fed funds rate , as a result of the interest rate decreases in the second half of 2019 , yields on the loan portfolio are likely to decrease in the future . deposit cost changes typically lag the changes in the loan yields as most deposit rates are not directly tied to an index . 40 average loans and leases and average fte yields , by type , are summarized in the following table : replace_table_token_8_th n/a - not applicable average loans and leases increased $ 615.1 million , or 3.9 % , which contributed $ 27.5 million to the increase in fte interest income . in addition , the average yield on the loan and lease portfolio increased 17 basis points , contributing $ 27.7 million to the increase in fte interest income . as mentioned above , the increase in average yields on loans and leases was driven by the repricing of existing variable and adjustable rate loans as a result of increases in the prime rate and libor during 2018 that were only partially offset by decreases in those same rates that occurred in the second half of 2019. average investment securities increased $ 116.0 million , or 4.4 % , in comparison to 2018 , which contributed $ 9.2 million to the increase in fte interest income . the average yield on investment securities increased 21 basis points , contributing $ 5.7 million to the increase in fte interest income . other interest-earning assets increased $ 62.4 million , or 16.3 % , primarily the result of an increase in cash pledged with counterparties for commercial loan interest rate swap contracts . the yield on other interest-earning assets increased 46 basis points in comparison to 2018 , as a result of the fed funds rate increases during 2018 that were only partially offset by the decreases during 2019 , resulting in a $ 1.9 million increase in fte interest income . average deposits and interest rates , by type , are summarized in the following table : replace_table_token_9_th average interest-bearing deposits contributed $ 44.1 million to the increase in interest expense , increasing $ 971.8 million , or 8.4 % , in comparison to 2018 . the average cost of interest-bearing deposits increased 29 basis points to 1.05 % in 2019 from 0.76 % in 2018 , due to increases in the rates on all types of interest-bearing deposits as a result of the fed funds rate increases and related market competition that occurred in 2018 , and was only partially impacted by decreases to the fed funds rate that occurred in 2019. average brokered deposits increased $ 123.6 million , to $ 245.5 million , as a result

cash and cash equivalents the $ 72.1 million , or 16.2 % , increase in cash and cash equivalents mainly resulted from additional collateral required to be posted with counterparties for derivative contracts . frb and fhlb stock frb and fhlb stock increased $ 18.1 million , or 22.9 % , due to a $ 19.6 million increase in frb stock partially offset by a $ 1.5 million decrease in fhlb stock . additional frb stock was required to be purchased as a result of the charter consolidation . 49 investment securities the following table presents the carrying amount of investment securities as of december 31 : replace_table_token_19_th total available for sale securities increased $ 417.2 million , or 20.1 % , to $ 2.5 billion at december 31 , 2019 . cash flows from maturities , sales and repayments of residential mortgage-backed securities , u.s. government sponsored agency securities and securities with shorter expected durations were reinvested in other investment categories in order to diversify the portfolio into securities with longer expected durations to reduce the corporation 's asset-sensitive interest rate risk profile . total held to maturity securities decreased $ 236.8 million , or 39.0 % , primarily as a result of the transfer of state and municipal securities from the held to maturity classification to the available for sale classification as permitted through the early adoption of asu 2019-04 , as disclosed in `` note 1 - basis of presentation '' and `` note 3 -investment securities '' in the notes to consolidated financial statements .


 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.
     ```cash and cash equivalents the $ 72.1 million , or 16.2 % , increase in cash and cash equivalents mainly resulted from additional collateral required to be posted with counterparties for derivative contracts . frb and fhlb stock frb and fhlb stock increased $ 18.1 million , or 22.9 % , due to a $ 19.6 million increase in frb stock partially offset by a $ 1.5 million decrease in fhlb stock . additional frb stock was required to be purchased as a result of the charter consolidation . 49 investment securities the following table presents the carrying amount of investment securities as of december 31 : replace_table_token_19_th total available for sale securities increased $ 417.2 million , or 20.1 % , to $ 2.5 billion at december 31 , 2019 . cash flows from maturities , sales and repayments of residential mortgage-backed securities , u.s. government sponsored agency securities and securities with shorter expected durations were reinvested in other investment categories in order to diversify the portfolio into securities with longer expected durations to reduce the corporation 's asset-sensitive interest rate risk profile . total held to maturity securities decreased $ 236.8 million , or 39.0 % , primarily as a result of the transfer of state and municipal securities from the held to maturity classification to the available for sale classification as permitted through the early adoption of asu 2019-04 , as disclosed in `` note 1 - basis of presentation '' and `` note 3 -investment securities '' in the notes to consolidated financial statements .
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 Suspicious Activity Report : other government agencies , that impact money supply and market interest rates ; the effects of changes in u.s. federal , state or local tax laws ; the effects of negative publicity on the corporation 's reputation ; the effects of adverse outcomes in litigation and governmental or administrative proceedings ; the potential to incur losses in connection with repurchase and indemnification payments related to sold loans ; the corporation 's ability to achieve its growth plans ; completed and potential acquisitions may affect costs and the corporation may not be able to successfully integrate the acquired business or realize the anticipated benefits from such acquisitions ; the effects of competition on deposit rates and growth , loan rates and growth and net interest margin ; 33 the corporation 's ability to manage the level of non-interest expenses , including salaries and employee benefits expenses , operating risk losses and goodwill impairment ; the effects of changes in accounting policies , standards , and interpretations on the corporation 's reporting of its financial condition and results of operations ; the impact of operational risks , including the risk of human error , inadequate or failed internal processes and systems , computer and telecommunications systems failures , faulty or incomplete data and an inadequate risk management framework ; the impact of failures of third parties upon which the corporation relies to perform in accordance with contractual arrangements ; the failure or circumvention of the corporation 's system of internal controls ; the loss of , or failure to safeguard , confidential or proprietary information ; the corporation 's failure to identify and to address cyber-security risks , including data breaches and cyber-attacks ; the corporation 's ability to keep pace with technological changes ; the corporation 's ability to attract and retain talented personnel ; capital and liquidity strategies , including the corporation 's ability to comply with applicable capital and liquidity requirements , and the corporation 's ability to generate capital internally or raise capital on favorable terms ; the corporation 's reliance on its subsidiaries for substantially all of its revenues and its ability to pay dividends or other distributions ; and the effects of any downgrade in the corporation 's or fulton bank 's credit ratings on their borrowing costs or access to capital markets . overview the corporation is a financial holding company , which , through its wholly owned banking subsidiary , provides a full range of retail and commercial financial services in pennsylvania , delaware , maryland , new jersey and virginia . during 2018 , the corporation consolidated two of its wholly owned banking subsidiaries into its lead bank , fulton bank , and during 2019 , the remaining three wholly owned banking subsidiaries were consolidated into fulton bank . the corporation generates the majority of its revenue through net interest income , or the difference between interest earned on loans and investments and interest paid on deposits and borrowings . growth in net interest income is dependent upon balance sheet growth and maintaining or increasing the net interest margin , which is net interest income ( fully taxable-equivalent , or `` fte `` ) as a percentage of average interest-earning assets . the corporation also generates revenue through fees earned on the various services and products offered to its customers and through gains on sales of assets , such as loans , investments and properties . offsetting these revenue sources are provisions for credit losses on loans and leases and off-balance sheet credit risks , non-interest expenses and income taxes . the following table presents a summary of the corporation 's earnings and selected performance ratios : replace_table_token_5_th ( 1 ) ratio represents a financial measure derived by methods other than u.s. generally accepted accounting principles ( `` gaap `` ) . see reconciliation of this non-gaap financial measure to the most directly comparable gaap measure under the heading , `` supplemental reporting of non-gaap based financial measures , `` in item 6. selected financial data . ( 2 ) presented on an fte basis , using a 21 % federal tax rate and statutory interest expense disallowances . see also the `` net interest income `` section of management 's discussion . 34 following is a summary of the financial highlights for the year ended december 31 , 2019 : net income per share growth - diluted net income per share increased $ 0.17 , or 14.4 % , to $ 1.35 in 2019 compared to $ 1.18 in 2018 . the growth in net income per share was due to a $ 17.9 million , or 8.6 % , increase in net income and the impact of an 8.8 million , or 5.0 % , decrease in weighted average diluted shares outstanding in comparison to 2018 . the increase in net income was driven by a $ 17.9 million , or 2.8 % , increase in net interest income , a $ 14.1 million decrease in the provision for credit losses , a $ 15.9 million , or 8.1 % , increase in non-interest income , and a $ 4.7 million increase in investment securities gains , partially offset by a $ 21.6 million , or 4.0 % , increase in non-interest expense and a $ 13.1 million increase in income taxes . net interest income growth - the $ 17.9 million increase in net interest income resulted from growth in interest-earning assets , partially offset by the impact of a lower net interest margin . ◦ net interest margin - for the year ended december 31 , 2019 , the net interest margin decreased 4 basis points , or 1.2 % , in comparison to 2018 , driven by an 18 basis point increase in yields on interest-earning assets , being more than offset by a 22 basis point increase in the cost of funds . story_separator_special_tag ( 3 ) average balances include amortized historical cost for available for sale securities ; the related unrealized holding gains ( losses ) are included in other assets . 39 the following table summarizes the changes in fte interest income and interest expense resulting from changes in average balances ( volumes ) and changes in rates : replace_table_token_7_th note : changes which are partially attributable to both volume and rate are allocated to the volume and rate components presented above based on the percentage of the direct changes that are attributable to each component . comparison of 2019 to 2018 the federal open market committee ( `` fomc `` ) increased the target federal funds rate ( `` fed funds rate `` ) by 25 basis points in each of march , june , september and december of 2018. during 2019 , the fomc decreased the fed funds rate by 25 basis points in each of august , september and october . these changes in the fed funds rate resulted in corresponding increases or decreases to the index rates for the corporation 's variable and adjustable rate loans , primarily the prime rate and the london interbank offered rate ( `` libor `` ) as well as for certain interest-bearing liabilities . fte net interest income increased $ 18.8 million , or 2.9 % , to $ 661.4 million in 2019 . net interest margin decreased 4 basis points to 3.36 % in 2019 from 3.40 % in 2018 . as summarized above , fte interest income increased $ 35.4 million as the result of an 18 basis point increase in the yield on interest-earning assets , and increased $ 32.3 million as the result of a $ 796.4 million , or 4.2 % , increase in average interest-earning assets , primarily loans and leases . the average yield on the loan and lease portfolio increased 17 basis points , to 4.55 % , largely due to the aforementioned increases in the fed funds rate in 2018 and corresponding increases to loan index rates . all variable and certain adjustable rate loans repriced to higher rates as a result of these interest rate increases , and yields on new loan originations exceeded the average yield on the loan portfolio . adjustable rate loans reprice on dates specified in the loan agreements , which may be later than the date the fed funds rate and related loan index rates increase or decrease . therefore , the benefit of increases or the reverse effect of decreases in index rates on adjustable rate loans may not be fully realized until future periods . interest expense increased $ 48.9 million , with a 28 basis point increase in the rate on average interest-bearing liabilities contributing $ 39.7 million to this increase . the rates on average interest-bearing time , savings accounts and demand deposits increased 45 , 25 and 20 basis points , respectively . these rate increases contributed $ 12.9 million , $ 12.5 million and $ 8.6 million , respectively , to the increase in interest expense . in addition , the 63 basis point increase in the rates on short-term borrowings contributed $ 5.3 million to the increase in interest expense . assuming no further changes in the fed funds rate , as a result of the interest rate decreases in the second half of 2019 , yields on the loan portfolio are likely to decrease in the future . deposit cost changes typically lag the changes in the loan yields as most deposit rates are not directly tied to an index . 40 average loans and leases and average fte yields , by type , are summarized in the following table : replace_table_token_8_th n/a - not applicable average loans and leases increased $ 615.1 million , or 3.9 % , which contributed $ 27.5 million to the increase in fte interest income . in addition , the average yield on the loan and lease portfolio increased 17 basis points , contributing $ 27.7 million to the increase in fte interest income . as mentioned above , the increase in average yields on loans and leases was driven by the repricing of existing variable and adjustable rate loans as a result of increases in the prime rate and libor during 2018 that were only partially offset by decreases in those same rates that occurred in the second half of 2019. average investment securities increased $ 116.0 million , or 4.4 % , in comparison to 2018 , which contributed $ 9.2 million to the increase in fte interest income . the average yield on investment securities increased 21 basis points , contributing $ 5.7 million to the increase in fte interest income . other interest-earning assets increased $ 62.4 million , or 16.3 % , primarily the result of an increase in cash pledged with counterparties for commercial loan interest rate swap contracts . the yield on other interest-earning assets increased 46 basis points in comparison to 2018 , as a result of the fed funds rate increases during 2018 that were only partially offset by the decreases during 2019 , resulting in a $ 1.9 million increase in fte interest income . average deposits and interest rates , by type , are summarized in the following table : replace_table_token_9_th average interest-bearing deposits contributed $ 44.1 million to the increase in interest expense , increasing $ 971.8 million , or 8.4 % , in comparison to 2018 . the average cost of interest-bearing deposits increased 29 basis points to 1.05 % in 2019 from 0.76 % in 2018 , due to increases in the rates on all types of interest-bearing deposits as a result of the fed funds rate increases and related market competition that occurred in 2018 , and was only partially impacted by decreases to the fed funds rate that occurred in 2019. average brokered deposits increased $ 123.6 million , to $ 245.5 million , as a result

