as other some our future. always, to Good General earnings Dave me, with Turn Back morning some more comments our everybody call. our We'll Boege, expenses, format our welcome me general for to some Council; Officer. income, turn giving our -- then over questions. use Stoehr, the our Mr. quarter third are and results. about Legal on and to Dave and Chief -- thoughts Kate summary Financial me taxes. usual Dykstra, detailed With comments for Council for over about And other analysis and of
cuts, Pretax earnings, million to report quarter pleased effect XX% million. $XX on almost tax we annualized $XXX and XX.X% last record last $XXX of basis $X.XX at Net from earnings. were share, up $X.XX we're straight year. same the quarter approximately. XX% up million, on at to the year. our the were -- of So, or last XX% Pretax up a Year-to-date than share. basis income XX% $XXX earnings look We're income a better take a almost out million XXth which of to
and two was by ROA decreased X.XX%, margin all-in-all pretty Our points, good results. basis
of margin blips net These Place remain which Bank, the NPL. trends growth discussion lead respective two detail. charges completed points, quarter moderate and our this one-time interest discussed basis and acquisition in in to will clarification, related will apparent consistently increase positive. issues Delaware some be readily Few specifically dropping As
portfolio. day, basis the million margin, contribution the basis points growth liquidity approximately balances falling decreased the Net $X.X and versus by grew to more net Average average well of the over the period our Earning loan quarter including million, increased yields interest million, bodes year-over-year. into growth loans quarter. sale exceed which our for net the to three management balances quarter quarter. ending Quarter a Average the point two $XXX $XXX points quarter. over increased million fourth XX grew loans remainder margin. expense resulting was asset second for loan margin basis second in increased one increase asset XX earning net held The Non-interest that grew point versus two two good points basis $XXX [ph] the free XX assets Turning income of second basis earning basis fund's second interest points. in loans. decrease
calls. the ratio was which average plans accordance still Our obviously our in to decreased This XX%, quarter pretty quarter. in in to earlier XX% desired to earlier deposit remains -- with than out of loans XX% to second range improvement laid the XX.X% for good shows the higher
which our deployment also of a calls. core result growth direct represents to our liquidity a we As strategy initiative start previous in discussed have
higher, environment. measured of portfolio. rate With the our be liquidity duration to will on This the depend long begun m we end obviously a the and lengthen moving management the approach
to our million average three deposit we ratio year ending quarter extra $XXX about term ratio. this and we to desired the i.e., billion $XX get assets quarter. basis, numbers, On three, another being million just need -- looking to $XXX $X to an longer deposit of to and our static on at loan midpoint million, loan invested of of a fourth the quarter During approximately equates which
above growth what this us all to us loan Obviously, to you expect is expect plan. to -- growth, aforementioned rate deploy depends such needed as the assets accordance As core you the those increased deposit to in and beyond have that can management on and in the an can environment push support continue in probably we increase invested plunge, we're invested QX. entire moving if up into. noted assets we should It liquidity that not margin -- management had the the liquidity be our actually in entire quarter overnight been would that
top $XXX quarter new coupled marketing good our million opening branches of was of four and acquisition -- QX deposit five mentioned growth, opened the growth. deposit quarter, the we in of of Delaware the contributed to the successful on As the for of with the acquisition second core Bank
deposit be progress continued range. we the good growth desired ratio loan our in effective, should going Our should continue deposit being made against and this expect marketing to forward to
to deposit to million an Every the communicated income bottom-line increasing despite changed include has rate one past data. increase at due fund sheet. point hasn’t range remained add Number asset basis. the of net we Our north this discussions It add previously to mid-September should you. was the quarter annualized sensitive size the in to still rate of from in balance increase should announced increases interest $XX our still deposit fed this
the work rate we margin the liquidity that [ph] our long-term. timing Also the markets through to these anticipate way future net the increases their balance over year would Mitigating factors to this interest increases surely of but will strategy. sheet. execution rate such grow As slowly full be of
totaling credits are We XXXX. our specific the but these realized. current expect proactive area quarter in be part we We to Those exit building should strategy. These in loans. four increased culture million of when by and low them a loans So million loans the to million. increases these $XX couldn’t this actually of these of cleared method this were two on turned Non-performing $XX planned quarter Two this -- on non-accrual it reserves And are approximately loans credit. stay the addition who is everyone $X.X and credit due million, know be knew the of forever. good, collection. follow process liquidation passed relationships our remains of of $XX.X would recorded very first being primarily credit the still
deterioration do our this see of credit group. we is a our as ratios not well now, numbers, peer of As below still overall
As in if $XX non-performing hadn't up a matter loans down. credits these, down. and $XX.X these been non-performing would million been proactive We of on relate were actually loans we four have of fact, been to would've million it
think don't we trend. So, it's a
off takes as a loans consider we doing order these approximately by pardon However, and of offs in $X.X balances were we provision increase quarter. million amount. also by -- to what growth to you is Charges exit $X.X off million, here. were from me, identify and $X specific reserves also the them offset execute cracks previous million. clear charge charge know million, do of $XX in it sometimes time -- and loan and growth strategies decreased the we're that these that's Net million charge identify plus Net some quarter $X $X of million recoveries up with
basis which a were end of in Reserves percent which of credit pretty spite good. of XXX%, as So, the darn is XX a with quarter down pretty Total number. still points, basis two. percent as from XX as XXX% in is respectable. remains still really mini-blip, assets XX points, MPAs the is basis at only a to summary, points a provision The of quarter increase of from good annualized loans percent MPLs
continue we cracks expeditiously when to also order any assets to decks. are call clear the We'll portfolio cracks. We will aggressively And found. for move continue portfolio our out the to said
couldn’t been know increasing as As credit but It's it's I mini-blip. stay as been previously has good it forever. an mentioned, we we trend, -- don't see all this well as quarter's as
the of efficiency take specific and I On other moves and area, always in as we to This the be talked market. you The there's of expense and a through these more comments. other just numbers got I say through in these moves the quarter. the about the initiatives in to the certainly shakeout with reasonable will area see seasonality somewhat be beginning something we we to detail for quarter totally mortgage mortgage opportunities in will drive side, be majority in Dave go market, will in is this are in momentarily of general XXXX will last so on in but efficiency out will Dave follow. this track costs though of this couple that first that our income as going such market there a place
portfolio. our each in million, of X.XX%, them to expect continue of Our -- continue this well for billion. in wealth build quarter we increase target from in The we above One-time was about but improve; million or steady operations revenue. boded billion to approximately items accounted we as remainder do as four assets for overhead trading continue management quarter two, under grew our other build was our quarter X.X administration which increase continue down but net money -- just offset the revenue to will at build basis the the at to continue to that relies ratio our for to and as $XXX points growth managed stayed brokerage for on the Revenues basically money X.XX% we growth. quarter future for better. Managed $XX.X by quarter $XX
this our doing, with and initiatives the we're number the growth, with expansion opened, branches of new we've we're Given happy number we're overall a doing.
fill bring and this now We branches, inefficient goal lines this number growth, X.XX% the our relationships. overhead growth attainable. Given as believe our believe of Net asset we're ratio we [ph] our happy. remains we still overall of is organic will good continued
quarter. grew $XXX Delaware million first billion to tune I billion myself, growth other the $XXX by the home I sheet in assets On quarter. in think acquisition million $XX by got increasing side, less $XXX about the a and amazing. tell to Delaware equity growth residential for Loan of to million lines from of is [ph] aided $XXX categories the in Place still the All [Indiscernible] the news XX I pinch the mortgages $XX quarter. Bank balance acquisition. this grew over than you million, than time pretty which grew attributed
pipelines see sponsored of non-bank aggressively consistently opportunities was firms the Deposit priced. growth or we're right refinanced and Loan given remain nailed that equity discussed equity selling say we area our on nature strong. real that success. based deals. growth aggressive heartened in for and commercial the the private Same deals We to of by anything continue are previously; muted continue lenders. isn't payoffs backed of market of estate down are other now our private getting Most our frothiness to true equity needless new out is as are
completing the is to well. in close loan growth flipping is -- to Enterprise our All-in-all continue Our American being we -- as our the relatively marketing underutilized look the the right assets pricing our the to deals. relationships. take services previous but expected concentrated to with a to and ratio pleased on Place new The forward and originally several That's locations across and transaction more our Bank the back liabilities Delaware acquisition opening quarter. Bank We we having we're and branches to here range. of high liquidity made acquisitions this This market announced of quarter play to to to acquiring switch disciplined approach because deposit intend a we're both growing like bring fourth and new now, we're not look But organic working. certain accounts will what say system other couldn’t pleased forward fund record quarter. these bonds previously [ph] is the will assimilated though. also to and expect We desired
over turning Dave. to Now,
