{\rtf1\fs24

\trowd\trgaph75\trleft-75\intbl\trqc\clbrdrt\brdrs\cellx2880\clbrdrt\brdrs\
cellx4032\clbrdrt\brdrs\cellx5184
\ql \cell\qc (1)\cell\qc (2)\cell\row
\trowd\trgaph75\trleft-75\trqc\cellx2880\cellx4032\cellx5184
\trowd\trgaph75\trleft-75\trqc\clbrdrb\brdrs\cellx2880\clbrdrb\brdrs\cellx4032\
clbrdrb\brdrs\cellx5184
\ql VARIABLES\cell\qc npltoTA\cell\qc PlltoTA\cell\row
\trowd\trgaph75\trleft-75\trqc\cellx2880\cellx4032\cellx5184
\ql \cell\qc \cell\qc \cell\row
\ql 1o.AFFECTED\cell\qc -\cell\qc -\cell\row
\ql \cell\qc \cell\qc \cell\row
\ql 1o.POST\cell\qc -\cell\qc -\cell\row
\ql \cell\qc \cell\qc \cell\row
\ql 0b.AFFECTED#0b.POST\cell\qc 0.000\cell\qc 0.000\cell\row
\ql \cell\qc (0.000)\cell\qc (0.000)\cell\row
\ql 0b.AFFECTED#1o.POST\cell\qc 0.000\cell\qc 0.000\cell\row
\ql \cell\qc (0.000)\cell\qc (0.000)\cell\row
\ql 1o.AFFECTED#0b.POST\cell\qc 0.000\cell\qc 0.000\cell\row
\ql \cell\qc (0.000)\cell\qc (0.000)\cell\row
\ql 1.AFFECTED#1.POST\cell\qc 0.006*\cell\qc -0.000\cell\row
\ql \cell\qc (0.003)\cell\qc (0.002)\cell\row
\ql L.ASSGR\cell\qc -0.002\cell\qc -0.001\cell\row
\ql \cell\qc (0.003)\cell\qc (0.002)\cell\row
\ql L.SIZE\cell\qc -0.002\cell\qc -0.002\cell\row
\ql \cell\qc (0.003)\cell\qc (0.002)\cell\row
\ql L.ROA\cell\qc 0.022\cell\qc -0.087\cell\row
\ql \cell\qc (0.243)\cell\qc (0.111)\cell\row
\ql L.loanratio\cell\qc 0.024**\cell\qc 0.006\cell\row
\ql \cell\qc (0.011)\cell\qc (0.004)\cell\row
\ql L.depositratioTA\cell\qc -0.001\cell\qc 0.005\cell\row
\ql \cell\qc (0.013)\cell\qc (0.005)\cell\row
\ql L.ETA\cell\qc -0.012\cell\qc -0.005\cell\row
\ql \cell\qc (0.040)\cell\qc (0.017)\cell\row
\ql L.NPLTL\cell\qc 0.086\cell\qc 0.008\cell\row
\ql \cell\qc (0.055)\cell\qc (0.018)\cell\row
\ql Constant\cell\qc 0.078\cell\qc 0.074\cell\row
\ql \cell\qc (0.115)\cell\qc (0.053)\cell\row
\ql \cell\qc \cell\qc \cell\row
\ql Observations\cell\qc 197\cell\qc 210\cell\row
\trowd\trgaph75\trleft-75\trqc\trbrdrb\brdrs\clbrdrb\brdrs\cellx2880\clbrdrb\brdrs\
cellx4032\clbrdrb\brdrs\cellx5184
\ql R-squared\cell\qc 0.493\cell\qc 0.459\cell\row
\pard\qc
Robust standard errors in parentheses\par
*** p<0.01, ** p<0.05, * p<0.1\par
}