the combined effect of continued low market interest rates and yields and competitive forces in the chicago metropolitan area and in our other business units is expected to maintain pressure on asset yields throughout 2016. the company 's interest rate risk position is neutral to slightly asset-sensitive , such that an increase in market interest rates will tend to be a positive factor in the company 's earnings . our focus in 2016 will be on balance sheet growth as we continue to deploy our available surplus capital . we will continue the evolution of our loan portfolio towards a configuration that permits better growth rates in multiple , independent segments with comparable risk-adjusted yields . we expect to expand our marketing of new deposit products to further improve deposit-related revenue in 2016 ; in addition , we may also be successful in further increasing revenues related to trust , non-deposit wealth management , and commercial property and casualty insurance sales due to new product capabilities and increased dedicated sales capacity . core noninterest expense is expected to hold steady or continue to decline slightly despite increases in advertising and marketing expenses related to loan and deposit growth initiatives . through these actions , we hope to further improve our core operating earnings in 2016 to a level consistent with , or in excess of , peer institutions in our market . 23 results of operation net income comparison of year 2015 to 2014 . we recorded net income of $ 8.7 million for the year ended december 31 , 2015 , compared to net income of $ 40.6 million for 2014 . net income for 2014 included a tax benefit of $ 35.1 million that we recorded to reflect the reversal of a valuation allowance that we established in 2011 for deferred tax assets . excluding this tax benefit , net income for the year ended december 31 , 2014 would have been $ 5.5 million . the $ 3.2 million , or 57.8 % , increase in year over year earnings exclusive of the 2014 tax benefit was primarily due to the combined effect of a $ 2.5 million increase in the recovery of provision for loan losses and a $ 2.5 million decrease in noninterest expense for the year ended december 31 , 2015 . our earnings per share of common stock was $ 0.44 for the year ended december 31 , 2015 , compared to $ 2.01 per share of common stock for the year ended december 31 , 2014 . excluding the tax benefit that we recorded for the recovery of the deferred tax assets valuation allowance , our earnings per share of common stock would have been $ 0.27 for the year ended december 31 , 2014. comparison of year 2014 to 2013 . we recorded net income of $ 40.6 million for the year ended december 31 , 2014 , compared to net income of $ 3.3 million for 2013. net income for 2014 included a tax benefit of $ 35.1 million that we recorded to reflect the reversal of a valuation allowance that we established in 2011 for deferred tax assets . excluding this tax benefit , net income for the year ended december 31 , 2014 would have been $ 5.5 million . net income for 2013 included a $ 1.3 million gain on sale of owner-occupied and investor-owned one-to-four family residential loans designated as held-for-sale . our earnings per share of common stock was $ 2.01 for the year ended december 31 , 2014 , compared to $ 0.16 per share of common stock for the year ended december 31 , 2013. excluding the tax benefit that we recorded for the recovery of the deferred tax assets valuation allowance , our earnings per share of common stock would have been $ 0.27 for the year ended december 31 , 2014. net interest income net interest income is our primary source of revenue . net interest income equals the excess of interest income ( including discount accretion on purchased impaired loans ) plus fees earned on interest earning assets over interest expense incurred on interest-bearing liabilities . the level of interest rates and the volume and mix of interest-earning assets and interest-bearing liabilities impact net interest income . interest rate spread and net interest margin are utilized to measure and explain changes in net interest income . interest rate spread is the difference between the yield on interest-earning assets and the rate paid for interest-bearing liabilities that fund those assets . the net interest margin is expressed as the percentage of net interest income to average interest-earning assets . the net interest margin exceeds the interest rate spread because noninterest-bearing sources of funds , principally noninterest-bearing demand deposits and stockholders ' equity , also support interest-earning assets . the accounting policies underlying the recognition of interest income on loans , securities , and other interest-earning assets are included in note 1 of “ notes to consolidated financial statements ” in item 8 of this form 10-k. 24 average balance sheets the following table sets forth average balance sheets , average yields and costs , and certain other information . no tax-equivalent yield adjustments were made , as the effect of these adjustments would not be material . average balances are daily average balances . nonaccrual loans are included in the computation of average balances , but have been reflected in the table as loans carrying a zero yield . the yields set forth below include the effect of deferred fees and expenses , discounts and premiums , purchase accounting adjustments that are amortized or accreted to interest income or expense . replace_table_token_4_th _ ( 1 ) net interest rate spread represents the difference between the yield on average interest-earning assets and the cost of average interest-bearing liabilities . ( 2 ) net interest-earning assets represents total interest-earning assets less total interest-bearing liabilities . story_separator_special_tag 29 total stockholders ' equity was $ 212.4 million at december 31 , 2015 , compared to $ 216.1 million at december 31 , 2014 . the decrease in total stockholders ' equity was primarily due to the combined impact of our repurchase of 804,649 shares of our common stock at a total cost of $ 10.0 million , and our declaration and payment of cash dividends totaling $ 4.1 million during the year ended december 31 , 2015 . these items were partially offset by net income of $ 8.7 million that we recorded for the year ended december 31 , 2015 . the unallocated shares of common stock that our esop owns were reflected as a $ 9.3 million reduction to stockholders ' equity at december 31 , 2015 , compared to a $ 10.3 million reduction to stockholders ' equity at december 31 , 2014 . securities our investment policy is established by our board of directors . the policy emphasizes safety of the investment , liquidity requirements , potential returns , cash flow targets , and consistency with our interest rate risk management strategy . at december 31 , 2015 , our mortgage-backed securities and collateralized mortgage obligations ( “ cmos ” ) reflected in the following table were issued by u.s. government-sponsored enterprises and agencies , freddie mac , fannie mae and ginnie mae , and are obligations which the federal government has affirmed its commitment to support . all securities reflected in the table were classified as available-for-sale at december 31 , 2015 , 2014 and 2013 . we hold fhlbc common stock to qualify for membership in the federal home loan bank system and to be eligible to borrow funds under the fhlbc 's advance program . the aggregate cost of our fhlbc common stock as of december 31 , 2015 was $ 6.3 million based on its par value . there is no market for fhlbc common stock . we purchased $ 189,000 of fhlbc stock during 2014 and redeemed $ 2.3 million of excess fhlbc stock during 2013 . at december 31 , 2015 we owned 431,000 shares of fhlbc common stock in excess of the number of shares we were required to own to maintain our membership in the federal home loan bank system and to be eligible to obtain advances . the following table sets forth the composition , amortized cost and fair value of our securities . replace_table_token_8_th the fair values of marketable equity securities are generally determined by quoted prices , in active markets , for each specific security . if quoted market prices are not available for a marketable equity security , we determine its fair value based on the quoted price of a similar security traded in an active market . the fair values of debt securities are generally determined by matrix pricing , which is a mathematical technique widely used in the industry to value debt securities without relying exclusively on quoted prices for the specific securities , but rather by relying on the securities ' relationship to other benchmark quoted securities . the fair value of a security is used to determine the amount of any unrealized losses that must be reflected in our other comprehensive income and the net book value of our securities . we evaluate marketable investment securities with significant declines in fair value on a quarterly basis to determine whether they should be considered other-than-temporarily impaired under current accounting guidance , which generally provides that if a 30 marketable security is in an unrealized loss position , whether due to general market conditions or industry or issuer-specific factors , the holder of the securities must assess whether the impairment is other-than-temporary . portfolio maturities and yields the composition and maturities of the securities portfolio and the mortgage-backed securities portfolio at december 31 , 2015 are summarized in the following table . maturities are based on the final contractual payment dates , and do not reflect the impact of prepayments or early redemptions that may occur . municipal securities yields have not been adjusted to a tax-equivalent basis , as the amount is immaterial . replace_table_token_9_th 31 loan portfolio we originate multi-family mortgage loans , nonresidential real estate loans , commercial loans and commercial leases . in addition , we originate one-to-four family residential mortgage loans and consumer loans , and purchase and sell loan participations from time-to-time . we do not originate construction and land loans , but our loan portfolio contains residual balances of this loan type primarily resulting from our acquisition of another institution . our principal loan products are discussed in note 4 of the `` notes to consolidated financial statements `` in item 8 of this form 10-k. the following table sets forth the composition of our loan portfolio , excluding loans held-for-sale , by type of loan . replace_table_token_10_th we engage in multi-family lending activities in carefully selected metropolitan statistical areas outside of our primary lending area and engage in healthcare lending and commercial leasing activities on a nationwide basis . at december 31 , 2015 , $ 309.7 million , or 61.1 % , or our multi-family loans were in the metropolitan statistical area for chicago , illinois , while $ 47.5 million , or 9.4 % , were in the metropolitan statistical area for dallas , texas , $ 53.8 million , or 10.6 % , were in the metropolitan statistical area for denver , colorado , $ 22.4 million , or 4.4 % , were in the metropolitan statistical area for minneapolis , minnesota , and $ 11.5 million , or 2.3 % , were in the metropolitan statistical area for tampa , florida . 32 loan portfolio maturities the following table summarizes the scheduled repayments of our loan portfolio at december 31 , 2015 . demand loans , loans having no stated repayment schedule or maturity and overdraft loans are reported as being due in one year or less .

liquidity management liquidity management – bank . the overall objective of our liquidity management is to ensure the availability of sufficient cash funds to meet all financial commitments and to take advantage of investment opportunities . we manage liquidity in order to meet deposit withdrawals on demand or at contractual maturity , to repay borrowings as they mature , and to fund new loans and investments as opportunities arise . our primary sources of funds are deposits , principal and interest payments on loans and securities , and , to a lesser extent , wholesale borrowings , the proceeds from maturing securities and short-term investments , and the proceeds from the sales of loans and securities . the scheduled amortization of loans and securities , as well as proceeds from borrowings , are predictable sources of funds . other funding sources , however , such as deposit inflows , mortgage prepayments and mortgage loan sales are greatly influenced by market interest rates , economic conditions and competition . our cash flows are derived from operating activities , investing activities and financing activities as reported in the consolidated statements of cash flows in our consolidated financial statements . our primary investing activities are the origination for 43 investment of one-to-four family residential mortgage loans , multi-family mortgage loans , nonresidential real estate loans , commercial leases , construction and land loans , and commercial loans and the purchase of investment securities and mortgage-backed securities . during the years ended december 31 , 2015 , 2014 and 2013 , our loans originated for investment totaled $ 509.0 million , $ 513.4 million , and $ 524.6 million , respectively . purchases of securities totaled $ 60.7 million , $ 73.1 million and $ 74.2 million for the years ended december 31 , 2015 , 2014 , and 2013 , respectively . these activities were funded primarily by principal repayments on loans and securities , and the sale of loans and securities .


 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 management liquidity management – bank . the overall objective of our liquidity management is to ensure the availability of sufficient cash funds to meet all financial commitments and to take advantage of investment opportunities . we manage liquidity in order to meet deposit withdrawals on demand or at contractual maturity , to repay borrowings as they mature , and to fund new loans and investments as opportunities arise . our primary sources of funds are deposits , principal and interest payments on loans and securities , and , to a lesser extent , wholesale borrowings , the proceeds from maturing securities and short-term investments , and the proceeds from the sales of loans and securities . the scheduled amortization of loans and securities , as well as proceeds from borrowings , are predictable sources of funds . other funding sources , however , such as deposit inflows , mortgage prepayments and mortgage loan sales are greatly influenced by market interest rates , economic conditions and competition . our cash flows are derived from operating activities , investing activities and financing activities as reported in the consolidated statements of cash flows in our consolidated financial statements . our primary investing activities are the origination for 43 investment of one-to-four family residential mortgage loans , multi-family mortgage loans , nonresidential real estate loans , commercial leases , construction and land loans , and commercial loans and the purchase of investment securities and mortgage-backed securities . during the years ended december 31 , 2015 , 2014 and 2013 , our loans originated for investment totaled $ 509.0 million , $ 513.4 million , and $ 524.6 million , respectively . purchases of securities totaled $ 60.7 million , $ 73.1 million and $ 74.2 million for the years ended december 31 , 2015 , 2014 , and 2013 , respectively . these activities were funded primarily by principal repayments on loans and securities , and the sale of loans and securities .
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 Suspicious Activity Report : the combined effect of continued low market interest rates and yields and competitive forces in the chicago metropolitan area and in our other business units is expected to maintain pressure on asset yields throughout 2016. the company 's interest rate risk position is neutral to slightly asset-sensitive , such that an increase in market interest rates will tend to be a positive factor in the company 's earnings . our focus in 2016 will be on balance sheet growth as we continue to deploy our available surplus capital . we will continue the evolution of our loan portfolio towards a configuration that permits better growth rates in multiple , independent segments with comparable risk-adjusted yields . we expect to expand our marketing of new deposit products to further improve deposit-related revenue in 2016 ; in addition , we may also be successful in further increasing revenues related to trust , non-deposit wealth management , and commercial property and casualty insurance sales due to new product capabilities and increased dedicated sales capacity . core noninterest expense is expected to hold steady or continue to decline slightly despite increases in advertising and marketing expenses related to loan and deposit growth initiatives . through these actions , we hope to further improve our core operating earnings in 2016 to a level consistent with , or in excess of , peer institutions in our market . 23 results of operation net income comparison of year 2015 to 2014 . we recorded net income of $ 8.7 million for the year ended december 31 , 2015 , compared to net income of $ 40.6 million for 2014 . net income for 2014 included a tax benefit of $ 35.1 million that we recorded to reflect the reversal of a valuation allowance that we established in 2011 for deferred tax assets . excluding this tax benefit , net income for the year ended december 31 , 2014 would have been $ 5.5 million . the $ 3.2 million , or 57.8 % , increase in year over year earnings exclusive of the 2014 tax benefit was primarily due to the combined effect of a $ 2.5 million increase in the recovery of provision for loan losses and a $ 2.5 million decrease in noninterest expense for the year ended december 31 , 2015 . our earnings per share of common stock was $ 0.44 for the year ended december 31 , 2015 , compared to $ 2.01 per share of common stock for the year ended december 31 , 2014 . excluding the tax benefit that we recorded for the recovery of the deferred tax assets valuation allowance , our earnings per share of common stock would have been $ 0.27 for the year ended december 31 , 2014. comparison of year 2014 to 2013 . we recorded net income of $ 40.6 million for the year ended december 31 , 2014 , compared to net income of $ 3.3 million for 2013. net income for 2014 included a tax benefit of $ 35.1 million that we recorded to reflect the reversal of a valuation allowance that we established in 2011 for deferred tax assets . excluding this tax benefit , net income for the year ended december 31 , 2014 would have been $ 5.5 million . net income for 2013 included a $ 1.3 million gain on sale of owner-occupied and investor-owned one-to-four family residential loans designated as held-for-sale . our earnings per share of common stock was $ 2.01 for the year ended december 31 , 2014 , compared to $ 0.16 per share of common stock for the year ended december 31 , 2013. excluding the tax benefit that we recorded for the recovery of the deferred tax assets valuation allowance , our earnings per share of common stock would have been $ 0.27 for the year ended december 31 , 2014. net interest income net interest income is our primary source of revenue . net interest income equals the excess of interest income ( including discount accretion on purchased impaired loans ) plus fees earned on interest earning assets over interest expense incurred on interest-bearing liabilities . the level of interest rates and the volume and mix of interest-earning assets and interest-bearing liabilities impact net interest income . interest rate spread and net interest margin are utilized to measure and explain changes in net interest income . interest rate spread is the difference between the yield on interest-earning assets and the rate paid for interest-bearing liabilities that fund those assets . the net interest margin is expressed as the percentage of net interest income to average interest-earning assets . the net interest margin exceeds the interest rate spread because noninterest-bearing sources of funds , principally noninterest-bearing demand deposits and stockholders ' equity , also support interest-earning assets . the accounting policies underlying the recognition of interest income on loans , securities , and other interest-earning assets are included in note 1 of “ notes to consolidated financial statements ” in item 8 of this form 10-k. 24 average balance sheets the following table sets forth average balance sheets , average yields and costs , and certain other information . no tax-equivalent yield adjustments were made , as the effect of these adjustments would not be material . average balances are daily average balances . nonaccrual loans are included in the computation of average balances , but have been reflected in the table as loans carrying a zero yield . the yields set forth below include the effect of deferred fees and expenses , discounts and premiums , purchase accounting adjustments that are amortized or accreted to interest income or expense . replace_table_token_4_th _ ( 1 ) net interest rate spread represents the difference between the yield on average interest-earning assets and the cost of average interest-bearing liabilities . ( 2 ) net interest-earning assets represents total interest-earning assets less total interest-bearing liabilities . story_separator_special_tag 29 total stockholders ' equity was $ 212.4 million at december 31 , 2015 , compared to $ 216.1 million at december 31 , 2014 . the decrease in total stockholders ' equity was primarily due to the combined impact of our repurchase of 804,649 shares of our common stock at a total cost of $ 10.0 million , and our declaration and payment of cash dividends totaling $ 4.1 million during the year ended december 31 , 2015 . these items were partially offset by net income of $ 8.7 million that we recorded for the year ended december 31 , 2015 . the unallocated shares of common stock that our esop owns were reflected as a $ 9.3 million reduction to stockholders ' equity at december 31 , 2015 , compared to a $ 10.3 million reduction to stockholders ' equity at december 31 , 2014 . securities our investment policy is established by our board of directors . the policy emphasizes safety of the investment , liquidity requirements , potential returns , cash flow targets , and consistency with our interest rate risk management strategy . at december 31 , 2015 , our mortgage-backed securities and collateralized mortgage obligations ( “ cmos ” ) reflected in the following table were issued by u.s. government-sponsored enterprises and agencies , freddie mac , fannie mae and ginnie mae , and are obligations which the federal government has affirmed its commitment to support . all securities reflected in the table were classified as available-for-sale at december 31 , 2015 , 2014 and 2013 . we hold fhlbc common stock to qualify for membership in the federal home loan bank system and to be eligible to borrow funds under the fhlbc 's advance program . the aggregate cost of our fhlbc common stock as of december 31 , 2015 was $ 6.3 million based on its par value . there is no market for fhlbc common stock . we purchased $ 189,000 of fhlbc stock during 2014 and redeemed $ 2.3 million of excess fhlbc stock during 2013 . at december 31 , 2015 we owned 431,000 shares of fhlbc common stock in excess of the number of shares we were required to own to maintain our membership in the federal home loan bank system and to be eligible to obtain advances . the following table sets forth the composition , amortized cost and fair value of our securities . replace_table_token_8_th the fair values of marketable equity securities are generally determined by quoted prices , in active markets , for each specific security . if quoted market prices are not available for a marketable equity security , we determine its fair value based on the quoted price of a similar security traded in an active market . the fair values of debt securities are generally determined by matrix pricing , which is a mathematical technique widely used in the industry to value debt securities without relying exclusively on quoted prices for the specific securities , but rather by relying on the securities ' relationship to other benchmark quoted securities . the fair value of a security is used to determine the amount of any unrealized losses that must be reflected in our other comprehensive income and the net book value of our securities . we evaluate marketable investment securities with significant declines in fair value on a quarterly basis to determine whether they should be considered other-than-temporarily impaired under current accounting guidance , which generally provides that if a 30 marketable security is in an unrealized loss position , whether due to general market conditions or industry or issuer-specific factors , the holder of the securities must assess whether the impairment is other-than-temporary . portfolio maturities and yields the composition and maturities of the securities portfolio and the mortgage-backed securities portfolio at december 31 , 2015 are summarized in the following table . maturities are based on the final contractual payment dates , and do not reflect the impact of prepayments or early redemptions that may occur . municipal securities yields have not been adjusted to a tax-equivalent basis , as the amount is immaterial . replace_table_token_9_th 31 loan portfolio we originate multi-family mortgage loans , nonresidential real estate loans , commercial loans and commercial leases . in addition , we originate one-to-four family residential mortgage loans and consumer loans , and purchase and sell loan participations from time-to-time . we do not originate construction and land loans , but our loan portfolio contains residual balances of this loan type primarily resulting from our acquisition of another institution . our principal loan products are discussed in note 4 of the `` notes to consolidated financial statements `` in item 8 of this form 10-k. the following table sets forth the composition of our loan portfolio , excluding loans held-for-sale , by type of loan . replace_table_token_10_th we engage in multi-family lending activities in carefully selected metropolitan statistical areas outside of our primary lending area and engage in healthcare lending and commercial leasing activities on a nationwide basis . at december 31 , 2015 , $ 309.7 million , or 61.1 % , or our multi-family loans were in the metropolitan statistical area for chicago , illinois , while $ 47.5 million , or 9.4 % , were in the metropolitan statistical area for dallas , texas , $ 53.8 million , or 10.6 % , were in the metropolitan statistical area for denver , colorado , $ 22.4 million , or 4.4 % , were in the metropolitan statistical area for minneapolis , minnesota , and $ 11.5 million , or 2.3 % , were in the metropolitan statistical area for tampa , florida . 32 loan portfolio maturities the following table summarizes the scheduled repayments of our loan portfolio at december 31 , 2015 . demand loans , loans having no stated repayment schedule or maturity and overdraft loans are reported as being due in one year or less .

