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Splurge and Purge
By Francis X. Gilpin
Associate Editor
Bank of America remains the biggest holder of local bank deposits, despite losing a fraction of a percentage point in the lucrative $81 billion Gulf Coast market.
The North Carolina bank maintained a comfortable $6 billion deposit lead on the Gulf Coast over Wachovia Bank, as of June 30. B of A preserved the edge despite its cross-town rival in Charlotte buying up SouthTrust Bank in the past year.
Indeed, Wachovia appeared to be the latest example of a regional bank that loses market share – and sometimes even deposits – after swallowing up a competitor. The analysis stems from the FDIC's annual release of deposit statistics. The numbers are through June 30; the FDIC issues the report every October.
In the Tampa metropolitan statistical area, for example, Wachovia lost $893 million in deposits, when its 2005 numbers are put up against its combined deposits with SouthTrust a year earlier. Wachovia had a net gain of deposits in the Sarasota market, but still lost market share as it did in Tampa.
Fifth Third Bank is another institution still digesting a big acquisition. The Cincinnati bank took control of First National Bank of Florida within the past year. But Fifth Third suffered share losses in First National's old backyard in Fort Myers and Naples, again when the 2004 deposits of the two banks are combined in those markets.
Naples, which First National called home, was a market that did not receive the Fifth Third takeover well. Fifth Third lost nearly two percentage points of deposit share in Naples. And that occurred even as Fifth Third was spending a princely sum on an aggressive advertising campaign along the Gulf Coast, trying to hang onto First National business and reel in new customers.
A third eager acquirer, Mercantile Bank, has stumbled in the Tampa Bay area. The Orlando-based banking subsidiary of South Financial Group has picked up Tampa's Florida Bank, Central Bank of Tampa and Gulf West Banks in St. Petersburg since 2002.
Yet Mercantile is down more than $300 million in Bay area deposits during the past year, when its 2004 deposits are combined with Florida Bank's in the Tampa market and matched against the June 30 total.
Not so small anymore
What merger-minded Southeast regional banks may be giving away as they struggle with customer defections and systems integration, smaller Gulf Coast institutions are only too happy to accept.
In the Bay area, the Bank of St. Petersburg increased deposits by $98.6 million. That was one of the more respectable showings by a local bank. The Tampa-based bank has opened several new branches in Hillsborough County that put some pressure on its bottom line for several quarters.
In the Sarasota market, Century Bank picked up almost as many deposits. The local thrift reported a $95.6 million gain in 2005 deposits over 2004's total.
During the same span, RBC Centura, which bought 13 Provident Bank branches clustered in Manatee and Sarasota counties two years ago, surrendered more than a percentage point of Sarasota market share. The American banking unit of the Royal Bank of Canada saw a drop in Sarasota deposits of $107 million, too.
No banks suffered any deposit drops in the Punta Gorda market. But several banks, big and small, lost share in the smallest of the Gulf Coast markets. Among the share losers in the hurricane-ravaged area were Wachovia, B of A and SunTrust Bank, along with Peninsula and Englewood banks.
AmSouth Bank and Charlotte State Bank may have benefited. Birmingham, Ala.-based AmSouth picked up nearly 1.5 percentage points in the Punta Gorda market. Charlotte State, a unit of Wauchula-based Crews Banking Corp., gained almost a percentage point.
In the Fort Myers market, some of the biggest share gainers were local banks. First Community Bank of Southwest Florida, a 6-and-a-half-year-old unit of Southwest Florida Community Bancorp Inc., nearly doubled deposits during the past year.
Busey Bank Florida, TIB Bank of the Keys, Florida Gulf Bank and the local mainstay, Orion Bank, also gained market share in Fort Myers.
In Orion's home market, the Naples bank did even better. Orion had $124 million more on deposit in the market this year than last. That was more than Wachovia picked up in the Naples area.
In terms of market share, however, AmSouth did surprisingly well in Naples, for a bank that is viewed by some industry analysts as geared toward the downscale customer. AmSouth increased its share of deposits in affluent Collier County and environs by almost a full percentage point.
Four smaller local banks grew their deposit shares, too. The gainers were Florida Community Bank, First Florida Bank, Bank of the Keys and Marco Community Bank.
B of A fared decently on the Gulf Coast. The nation's second biggest bank by assets increased deposits by $1.7 billion from Pasco to Collier counties. The behemoth did lose deposit share in three of the five Gulf Coast markets.
Overall, though, B of A should be some inspiration to Wachovia and Fifth Third. B of A badly fumbled its takeover of Barnett in the 1990s and the bank needed several years to win back disgusted customers.
SARASOTA MSA ($s in 000s)
2004 2004 2005 2005 Deposit
Institution deposits mkt. share deposits mkt. share change
aBank of America $3,585,730 25.19% $3,928,991 24.61% $343,261
bWachovia Bank $2,270,556 15.95% $2,397,676 15.02% $127,120
SunTrust Bank $1,915,503 13.46% $2,003,916 12.55% $88,413
World Savings Bank $514,632 3.62% $746,736 4.68% $232,104
RBC Centura Bank $659,072 4.63% $552,194 3.46% -$106,878
Northern Trust Bank of Florida $480,956 3.38% $520,960 3.26% $40,004
BB&T $501,234 3.52% $454,216 2.84% -$47,018
cFifth Third Bank $365,026 2.56% $431,558 2.70% $66,532
Century Bank $321,709 2.26% $417,356 2.61% $95,647
Coast Bank of Florida $280,565 1.97% $366,421 2.29% $85,856
1st National Bank & Trust $262,334 1.84% $292,367 1.83% $30,033
AmSouth Bank $167,284 1.18% $286,047 1.79% $118,763
Liberty Savings Bank $244,123 1.72% $234,866 1.47% -$9,257
Colonial Bank $205,043 1.44% $228,978 1.43% $23,935
Bank of Commerce $150,347 1.06% $209,800 1.31% $59,453
People's Community Bank
of the West Coast $149,344 1.05% $207,007 1.30% $57,663
Landmark Bank of Florida $135,395 0.95% $188,984 1.18% $53,589
Third Federal Savings
& Loan of Cleveland $160,394 1.13% $164,018 1.03% $3,624
Regions Bank $171,960 1.21% $162,292 1.02% -$9,668
Community Bank of Manatee $122,009 0.86% $158,892 1.00% $36,883
dJ.P. Morgan Chase Bank $113,248 0.80% $132,184 0.83% $18,936
First State Bank $106,445 0.75% $128,842 0.81% $22,397
Flagship National Bank $105,562 0.74% $122,300 0.77% $16,738
Horizon Bank $101,206 0.71% $117,514 0.74% $16,308
Manatee River Community Bank $98,529 0.69% $111,633 0.70% $13,104
Suncoast Bank $83,248 0.58% $107,844 0.68% $24,596
Community National Bank
of Sarasota County $90,261 0.63% $92,955 0.58% $2,694
First Priority Bank $34,366 0.24% $86,215 0.54% $51,849
United Bank of the Gulf Coast $86,323 0.61% $83,503 0.52% -$2,820
Peninsula Bank $48,160 0.34% $81,752 0.51% $33,592
R-G Crown Bank $43,767 0.31% $70,653 0.44% $26,886
Orion Bank $31,715 0.22% $63,019 0.39% $31,304
Riverside Bank of the Gulf Coast $39,749 0.28% $57,427 0.36% $17,678
Tarpon Coast National Bank $49,024 0.34% $49,016 0.31% -$8
Bank of Venice $27,938 0.20% $40,319 0.25% $12,381
First America Bank $5,060 0.04% $39,036 0.24% $33,976
Harris Bank $41,586 0.29% $36,529 0.23% -$5,057
Englewood Bank $16,224 0.11% $16,617 0.10% $393
a Adjusted for Bank of America-Fleet National Bank merger; b Adjusted for Wachovia-SouthTrust Bank merger
c Adjusted for Fifth Third-First National Bank of Florida-First Bradenton Bank merger; d Adjusted for JP Morgan Chase Bank-Bank One merger
Note: Banks in the market fewer than 16 months were excluded
tampa MSA ($s in 000s)
2004 2004 2005 2005 Deposit
Institution deposits mkt. share deposits mkt. share change
Bank of America $10,382,897 25.85% $11,029,181 25.88% $646,284
aWachovia Bank $8,461,653 21.07% $7,568,322 17.76% -$893,331
SunTrust Bank $4,825,467 12.01% $5,416,211 12.71% $590,744
AmSouth Bank $2,799,850 6.97% $3,205,169 7.52% $405,319
World Savings Bank $1,691,719 4.21% $1,986,043 4.66% $294,324
Colonial Bank $1,064,780 2.65% $1,312,723 3.08% $247,943
BB&T $1,331,694 3.32% $1,154,282 2.71% -$177,412
Raymond James Bank $772,866 1.92% $993,738 2.33% $220,872
Third Federal Savings
& Loan of Cleveland $968,956 2.41% $988,145 2.32% $19,189
bMercantile Bank $1,132,626 2.82% $820,392 1.92% -$312,234
cFifth Third Bank $785,711 1.96% $746,092 1.75% -$39,619
Bank of Tampa $628,204 1.56% $656,072 1.54% $27,868
Intervest National Bank $436,201 1.09% $585,773 1.37% $149,572
R-G Crown Bank $340,224 0.85% $509,618 1.20% $169,394
United Bank & Trust Co. $375,011 0.93% $459,128 1.08% $84,117
Regions Bank $329,290 0.82% $324,988 0.76% -$4,302
Peoples Bank $232,104 0.58% $265,374 0.62% $33,270
First Kensington Bank $263,654 0.66% $248,952 0.58% -$14,702
Bay Cities Bank $151,051 0.38% $198,794 0.47% $47,743
Bank of St. Petersburg $94,870 0.24% $193,486 0.45% $98,616
Cornerstone Community Bank $142,047 0.35% $182,204 0.43% $40,157
BankAtlantic $138,237 0.34% $180,838 0.42% $42,601
Sunshine State Federal Savings & Loan $161,913 0.40% $173,150 0.41% $11,237
Platinum Bank $122,290 0.30% $170,021 0.40% $47,731
Signature Bank $119,005 0.30% $166,498 0.39% $47,493
First Community Bank of America $122,664 0.31% $158,436 0.37% $35,772
Northern Trust Bank of Florida $139,737 0.35% $154,842 0.36% $15,105
Washington Mutual Bank $399 0.00% $144,257 0.34% $143,858
First Citrus Bank $111,981 0.28% $143,707 0.34% $31,726
First State Bank $103,381 0.26% $138,288 0.32% $34,907
RBC Centura Bank $143,649 0.36% $137,075 0.32% -$6,574
Encore Bank $133,917 0.33% $135,703 0.32% $1,786
dCenterState Bank of West Florida $123,877 0.31% $134,381 0.32% $10,504
ePilot Bank $117,378 0.29% $134,173 0.31% $16,795
First Commercial Bank of Tampa Bay $117,122 0.29% $133,828 0.31% $16,706
fWhitney National Bank $185,717 0.46% $133,599 0.31% -$52,118
Valrico State Bank $110,867 0.28% $117,503 0.28% $6,636
TCM Bank $85,402 0.21% $111,219 0.26% $25,817
Heritage Bank of Florida $87,072 0.22% $108,704 0.26% $21,632
First National Bank of Pasco $73,953 0.18% $91,454 0.21% $17,501
Palm Bank $50,048 0.12% $89,256 0.21% $39,208
Old Harbor Bank $48,635 0.12% $88,700 0.21% $40,065
Compass Bank $75,866 0.19% $83,121 0.20% $7,255
Bay Financial Savings Bank $83,862 0.21% $76,133 0.18% -$7,729
Century Bank of Florida $56,778 0.14% $74,065 0.17% $17,287
Southern Commerce Bank $47,936 0.12% $72,664 0.17% $24,728
Hillsboro Bank $59,256 0.15% $68,875 0.16% $9,619
First Home Bank $59,934 0.15% $63,457 0.15% $3,523
Hernando County Bank $49,612 0.12% $55,762 0.13% $6,150
Gulfstream Community Bank $39,912 0.10% $48,900 0.11% $8,988
Capital City Bank $43,267 0.11% $44,550 0.10% $1,283
Cortez Community Bank $13,973 0.03% $33,319 0.08% $19,346
gFlorida Capital Bank $21,811 0.05% $32,218 0.08% $10,407
Community Bank of Manatee $10,811 0.03% $14,194 0.03% $3,383
Community Bank of Florida $10,381 0.03% $7,386 0.02% -$2,995
Armed Forces Bank $2,828 0.01% $3,423 0.01% $595
Members Trust Co. $500 0.00% $500 0.00% $0
aAdjusted for Wachovia-SouthTrust Bank merger; bAdjusted for Mercantile-Florida Bank merger; cAdjusted for Fifth Third-First National Bank of Florida merger; dChanged name from Community National Bank of Pasco County; eChanged name from Terrace Bank; fAdjusted for Whitney-Madison Bank merger; gChanged name from First National Bank
Note: Banks in the market fewer than 16 months were excluded
Fort Myers MSA ($s in 000s)
2004 2004 2005 2005 Deposit
Institution deposits mkt. share deposits mkt. share change
Bank of America $1,735,251 20.67% $2,003,569 19.42% $268,318
aWachovia Bank $1,559,108 18.57% $1,840,001 17.84% $280,893
SunTrust Bank $1,174,187 13.99% $1,369,795 13.28% $195,608
bFifth Third Bank $925,450 11.02% $1,048,602 10.17% $123,152
cColonial Bank $456,918 5.44% $594,424 5.76% $137,506
World Savings Bank $259,312 3.09% $346,922 3.36% $87,610
AmSouth Bank $237,207 2.83% $322,945 3.13% $85,738
First Community Bank of SW Fla. $158,099 1.88% $278,109 2.70% $120,010
Riverside Bank of the Gulf Coast $221,570 2.64% $270,238 2.62% $48,668
Third Federal Savings
& Loan of Cleveland $259,372 3.09% $257,751 2.50% -$1,621
Ironstone Bank $197,671 2.35% $242,547 2.35% $44,876
Northern Trust Bank of Florida $214,890 2.56% $227,683 2.21% $12,793
Florida Gulf Bank $137,607 1.64% $217,818 2.11% $80,211
Busey Bank Florida $118,166 1.41% $209,840 2.03% $91,674
Old Florida Bank $129,113 1.54% $193,920 1.88% $64,807
Edison National Bank $125,403 1.49% $150,306 1.46% $24,903
Florida Community Bank $107,039 1.27% $125,077 1.21% $18,038
TIB Bank of the Keys $38,208 0.46% $98,386 0.95% $60,178
Pelican National Bank $88,045 1.05% $98,277 0.95% $10,232
Orion Bank $43,388 0.52% $95,257 0.92% $51,869
Sanibel Captiva Community Bank $69,242 0.82% $92,565 0.90% $23,323
Encore Bank $50,528 0.60% $45,685 0.44% -$4,843
dJ.P. Morgan Chase Bank $43,784 0.52% $44,760 0.43% $976
Community Bank of Naples $6,350 0.08% $34,922 0.34% $28,572
Englewood Bank $16,898 0.20% $16,871 0.16% -$27
BB&T $20,769 0.25% $16,544 0.16% -$4,225
M&I Bank $1,841 0.02% $7,001 0.07% $5,160
First Bank of Clewiston $31 0.00% $2,679 0.03% $2,648
aAdjusted for Wachovia-SouthTrust Bank merger; bAdjusted for Fifth Third-First National Bank of Florida-
Southern Community Bank of Southwest Florida merger; cAdjusted for Colonial-Premier Community Bank of Southwest Florida merger; dAdjusted for JP Morgan Chase Bank-Bank One merger
Note: Banks in the market fewer than 16 months were excluded
Punta Gorda MSA ($s in 000s)
2004 2004 2005 2005 Deposit
Institution deposits mkt. share deposits mkt. share change
aWachovia Bank $719,509 25.08% $814,275 22.58% $94,766
Bank of America $636,039 22.17% $775,916 21.51% $139,877
SunTrust Bank $430,834 15.02% $523,011 14.50% $92,177
World Savings Bank $220,287 7.68% $310,757 8.62% $90,470
Charlotte State Bank $147,995 5.16% $217,858 6.04% $69,863
AmSouth Bank $98,932 3.45% $177,975 4.93% $79,043
Peninsula Bank $135,500 4.72% $142,905 3.96% $7,405
Englewood Bank $112,740 3.93% $121,945 3.38% $9,205
Tarpon Coast National Bank $68,850 2.40% $87,890 2.44% $19,040
First Community Bank of America $55,406 1.93% $74,028 2.05% $18,622
Florida Community Bank $60,677 2.12% $71,604 1.99% $10,927
R-G Crown Bank $38,224 1.33% $56,069 1.55% $17,845
Colonial Bank $14,127 0.49% $24,335 0.67% $10,208
a Adjusted for Wachovia-SouthTrust Bank merger;
Note: Banks in the market fewer than 16 months were excluded
Naples MSA ($s in 000s)
2004 2004 2005 2005 Deposit
Institution deposits mkt. share deposits mkt. share change
Bank of America $1,654,373 20.34% $1,958,878 20.68% $304,505
aFifth Third Bank $1,681,534 20.68% $1,780,481 18.80% $98,947
bWachovia Bank $1,090,017 13.40% $1,206,813 12.74% $116,796
Orion Bank $639,975 7.87% $764,510 8.07% $124,535
AmSouth Bank $536,798 6.60% $710,696 7.50% $173,898
Florida Community Bank $249,126 3.06% $353,804 3.73% $104,678
SunTrust Bank $297,913 3.66% $310,852 3.28% $12,939
Northern Trust Bank of Florida $285,496 3.51% $294,486 3.11% $8,990
First Florida Bank $157,911 1.94% $247,351 2.61% $89,440
Community Bank of Naples $197,437 2.43% $234,685 2.48% $37,248
Bank of Florida $187,502 2.31% $228,974 2.42% $41,472
Ironstone Bank $151,349 1.86% $179,547 1.90% $28,198
BankUnited $85,163 1.05% $130,327 1.38% $45,164
Marco Community Bank $75,823 0.93% $125,550 1.33% $49,727
Colonial Bank $72,965 0.90% $112,861 1.19% $39,896
Third Federal Savings
& Loan of Cleveland $101,257 1.25% $103,158 1.09% $1,901
Royal Palm Bank of Florida $64,457 0.79% $95,355 1.01% $30,898
TIB Bank of the Keys $41,880 0.51% $90,552 0.96% $48,672
Huntington National Bank $63,654 0.78% $72,426 0.76% $8,772
cJ.P. Morgan Chase Bank 72,562 0.89% 72,232 0.76% -$330
Bank of Naples $81,496 1.00% $67,087 0.71% -$14,409
Pelican National Bank $143,063 1.76% $52,364 0.55% -$90,699
Old Florida Bank $29,373 0.36% $51,703 0.55% $22,330
BB&T $63,838 0.78% $49,326 0.52% -$14,512
Comerica Bank $35,409 0.44% $41,681 0.44% $6,272
M&I Bank $18,798 0.23% $29,959 0.32% $11,161
Encore Bank $7,927 0.10% $27,004 0.29% $19,077
Harris Bank $23,976 0.29% $20,001 0.21% -$3,975
U.S. Trust Co. $17,733 0.22% $15,105 0.16% -$2,628
PNC Bank $3,575 0.04% $10,587 0.11% $7,012
Riverside Bank of the Gulf Coast $432 0.01% $8,067 0.09% $7,635
J.P. Morgan Trust Co. $0 0.00% $0 0.00% $0
a Adjusted for Fifth Third-First National Bank of Florida-Southern Community Bank of Southwest Florida merger; b Adjusted for Wachovia-SouthTrust Bank merger; c Adjusted for JP Morgan Chase Bank-Bank One merger
Note: Banks in the market fewer than 16 months were excluded
2005 Gulf Coast banks and thrifts
($s in 000s)
June 30 Mkt.
Institution deposits share
Bank of America $19,696,535 24.36%
Wachovia Bank $13,827,087 17.10%
SunTrust Bank $9,623,785 11.90%
AmSouth Bank $4,702,832 5.82%
Fifth Third Bank $4,006,733 4.96%
World Savings Bank $3,390,458 4.19%
Colonial Bank $2,273,321 2.81%
Third Federal Savings
& Loan of Cleveland $1,513,072 1.87%
Northern Trust Bank of Florida $1,197,971 1.48%
BB&T $1,154,282 1.43%
Raymond James Bank $993,738 1.23%
Orion Bank $922,786 1.14%
Mercantile Bank $820,392 1.01%
RBC Centura Bank $689,269 0.85%
Bank of Tampa $656,072 0.81%
R-G Crown Bank $636,340 0.79%
Intervest National Bank $585,773 0.72%
Florida Community Bank $550,485 0.68%
BB&T $520,086 0.64%
Regions Bank $487,280 0.60%
United Bank & Trust Co. $459,128 0.57%
Ironstone Bank $422,094 0.52%
Century Bank $417,356 0.52%
Coast Bank of Florida $366,421 0.45%
Riverside Bank of
the Gulf Coast $335,732 0.42%
1st National Bank & Trust $292,367 0.36%
First Community Bank
of Southwest Florida $278,109 0.34%
Community Bank of Naples $269,607 0.33%
First State Bank $267,130 0.33%
Peoples Bank $265,374 0.33%
J.P. Morgan Chase Bank $249,176 0.31%
First Kensington Bank $248,952 0.31%
First Florida Bank $247,351 0.31%
Old Florida Bank $245,623 0.30%
Liberty Savings Bank $234,866 0.29%
First Community Bank of America $232,464 0.29%
Bank of Florida $228,974 0.28%
Peninsula Bank $224,657 0.28%
Charlotte State Bank $217,858 0.27%
Florida Gulf Bank $217,818 0.27%
Busey Bank Florida $209,840 0.26%
Bank of Commerce $209,800 0.26%
Encore Bank $208,392 0.26%
People's Community Bank
of the West Coast $207,007 0.26%
Bay Cities Bank $198,794 0.25%
Bank of St. Petersburg $193,486 0.24%
Landmark Bank of Florida $188,984 0.23%
TIB Bank of the Keys $188,938 0.23%
Cornerstone Community Bank $182,204 0.23%
BankAtlantic $180,838 0.22%
Sunshine State Federal
Savings & Loan $173,150 0.21%
Community Bank of Manatee $173,086 0.21%
Platinum Bank $170,021 0.21%
Signature Bank $166,498 0.21%
Englewood Bank $155,433 0.19%
Pelican National Bank $150,641 0.19%
Edison National Bank $150,306 0.19%
Washington Mutual Bank $144,257 0.18%
First Citrus Bank $143,707 0.18%
Tarpon Coast National Bank $136,906 0.17%
CenterState Bank of West Florida $134,381 0.17%
Pilot Bank $134,173 0.17%
First Commercial Bank
of Tampa Bay $133,828 0.17%
Whitney National Bank $133,599 0.17%
BankUnited $130,327 0.16%
Marco Community Bank $125,550 0.16%
Flagship National Bank $122,300 0.15%
Horizon Bank $117,514 0.15%
Valrico State Bank $117,503 0.15%
Manatee River Community Bank $111,633 0.14%
TCM Bank $111,219 0.14%
Heritage Bank of Florida $108,704 0.13%
Suncoast Bank $107,844 0.13%
Royal Palm Bank of Florida $95,355 0.12%
Community National Bank
of Sarasota County $92,955 0.11%
Sanibel Captiva Community Bank $92,565 0.11%
First National Bank of Pasco $91,454 0.11%
Palm Bank $89,256 0.11%
Old Harbor Bank $88,700 0.11%
First Priority Bank $86,215 0.11%
United Bank of the Gulf Coast $83,503 0.10%
Compass Bank $83,121 0.10%
Bay Financial Savings Bank $76,133 0.09%
Century Bank of Florida $74,065 0.09%
Southern Commerce Bank $72,664 0.09%
Huntington National Bank $72,426 0.09%
Hillsboro Bank $68,875 0.09%
Bank of Naples $67,087 0.08%
First Home Bank $63,457 0.08%
Harris Bank $56,530 0.07%
Hernando County Bank $55,762 0.07%
Gulfstream Community Bank $48,900 0.06%
Capital City Bank $44,550 0.06%
Comerica Bank $41,681 0.05%
Bank of Venice $40,319 0.05%
First America Bank $39,036 0.05%
M&I Bank $36,960 0.05%
Cortez Community Bank $33,319 0.04%
Florida Capital Bank $32,218 0.04%
U.S. Trust Co. $15,105 0.02%
PNC Bank $10,587 0.01%
Community Bank of Florida $7,386 0.01%
Armed Forces Bank $3,423 0.00%
First Bank of Clewiston $2,679 0.00%
Members Trust Co. $500 0.00%
J.P. Morgan Trust Co. $0 0.00%
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