Mariner. Thanks,
Let me liquidity on sheet start XX. our with commentary on trends balance slide with some profile shown
public a our campaigns, repo X.X% as compared of reverse account price balances third $X.X Fed to yield well assets to by was X.XX%, of deposits. X.X% as seasonal blended billion quarter. outcome in Our deposit and average rebounded slightly cash of with driven earning the and funds This inflow
from fund growth loan the during continued quarter. help portfolio Cash to opportunities our securities flows
$XX As on quarter in X.XX%, yield million with roll-off was portfolio a XX, slide shown the for CLOs of we fourth purchased yield while with a of primarily securities, million X.XX%. the $XXX
securities in Additionally, cash The those the portfolio is next yield billion $X to of flows the off approximately expected XX-months. X.XX%. of generate is rolling over
XX While DDAs, lending The reinvestment with quarter we Loan basis was from treasury levels, XX%. opportunities approximately in X.XX% XX verticals. yields of continue points linked last quarter. points fund see yields basis from increased very present of beta attractive deposits, total including X.XX% to cost our quarter to up third to a our priorities the the
for impacts the and for reduced basis balances positive loan points expanded XX basis fees margin XX of rate. the largest a included quarter, points third repricing, free basis funds related X basis XX benefit mix and NIM to the cost interest point points mix, the approximately liquidity and Offsets and from liabilities. interest-bearing from X impact negative of basis included Net loan points
net ahead, look are for we further of our depth our through of at ECR there and need campaigns generate own impact As that will and play the balances on and variables a margin, Fed duration additional targeted markets of impact DDA fund cycle, increased of interest expected that to including the equity tightening trajectory growth. lot disintermediation deposits deposits loan to as rates outlook
our simulations, quarter quarter own on interest flat to to net Based margin our be from fourth slightly first expect up levels. we
Fed's the from index asset conveyed Additionally, and investment with our deposit the re-pricing benefit on environment rotation to pressures and we the positive securities. current from bill stand an yield benefit
the deposit NIM focus noticed, important, also interest facilitated income Mariner is growth beta on As on net primarily growth. loan focus while at we by
of to growth just average under keeping deposit to XX%. loan kept limit at steady manage the ratio typically [indiscernible] In our fourth a growth loan quarter, we deposit ratio Additionally, XX%.
our acquisition across Given client growth strong our all and loan outlook, continue to of we deposit on focus lines businesses. will
in derivative expense. insurance million decrease in in $XXX,XXX versus had income, a including in Back offset income. a in fourth the similar quarter to third COLI was with along quarter. $X.X statement, total the declines, compared decrease was the some income for million, $XXX.X the fee quarter million million to income related compensation customer market $X.X quarter saw life company-owned $XX,XXX a We deferred for just the third related $XXX.X income
gains Visa Class XX.X% and million several the of market $XX the included shares in to positive XXXX. compared money of in underlying For by results businesses, fee balances, from we compression XXb-X these revenue share sale income, of market end income, additional despite saw related the to losses, security largely driven market gain higher a brokerage gains, full-year quarter. increase XXXX, including and second on XX% investment our fees Outside related year the of in B money
processing securities fund contributions X.X% trust. strong and included year-over-year increased income and Trust services corporate and from
a full-year, deferred had we a in with million similar decrease expense. COLI $XX the income of For of compensation decrease
primarily was projects core giving processing by expense. the trends development increased charitable in advertising modernization increase and campaigns driven in shows marketing million additional of $X.X largely and of million linked increase in ongoing for other an by driven quarter in various million expense. costs fees, The XX $X.X Slide of software expense, increased systems included $X.X business related to non-interest X.X% and
deposits quarter, range. to fourth acquisition related the completed going from non-recurring few to items Additionally, the [indiscernible] the note several our starting expense amortization of HSA as variances, have increase mentioned million to I million some those levels fourth last point to the in items. expense forward. closer put along quarter. with quarterly quarter Considering A our timing-related expenses $XXX $XXX included we variances
other keep to acquisition in approximately first effect deposits as rate annually. first will taxes of typically higher, quarter. And are mentioned, add mind takes reset HSA quarter expenses. expenses the Also amortization million FDIC The assessment that expense seasonal payroll of X.X of increase due in additional in and the benefits previously
As this a of have will reminder, impact pre-tax. an $X we annual million approximate estimate
generating our on in leverage, focus positive Mariner our remains while As businesses. investing prudently operating noted,
effective and of smaller rate the with along income municipal Our reflecting full-year, quarter valuations. COLI tax-exempt in was securities XX.X% changes from fourth the for tax XX.X% a portion for
For the we will to XX% XX%. anticipate it full-year XXXX, approximately be
turn concludes That back remarks. to Q&A And operator to I'll portion call. begin of over prepared the it the now our the
