and Doug share quarterly is comments my the morning to on going start which good trend. XX, I'm Slide Thanks, per earnings everyone.
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actual of stable and were had about we our at portfolio. quarter. reserve We specific out the the specific identified another there is reserves in well that deterioration believe forward the of is suggests with current not got that metrics which charge-off reserves the capital [indiscernible]. million Just build loan perspective, a in marked any to from significant has the between really an that whether clearly this the overall of the we quality and intent, or of at reflective stress end mentioned the when gets $X loan are really that on asset that struggling and million to plays related Again and one application from forecast and driven feel here forecast coverage $X we CECL and is and aggressively are been advance sit time accordingly. the and environment worse have experienced we EVL credit or relationship move good in by pre-COVID level positioned as placed economic we and Doug and some credit June activity a was non-accrual non-performing where of It said,
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modest are second expense is to that the So the to run year in happy first solid to rate start a the and some the see improvement we from quarter.
expect on capital built which operate service our operating efficiently is business serves we comments high is with markets customer capital. strong things the there. my instrument company and Tier We continuity X which X] our no-call with and that increased the to activity to dividend and additional current the did the remote and level, included the fully support strategy the is trends. We the conditions in we continue that and repurchases. opportunistically capital share sub for done, four off It cash the is flexibility a market us debt bolster sitting conclude levels allows bank uncertainty. a $XX March our our flexibility We and the company that optionality X, environment it worth We Capital future. maintain us million XX, and and - holding were with X.XX% is during environment and all well. of holding (Ph) moderate have will halted at that at noting probably quarter. always It that snapshot just a dividend affords on associates, paying is do there that spend Slide I no is the second our we where and that and during to verticals. of in raised policy and over which is Currently, modest bank foreseeable national [XX given Tier current prudently,
tangible the then We up expanded share our for of the X.XX% at are and first is point X.XX% over loan compared the X.XX% at to equity XX.X%. that quarters at quarter $X.XX all capital quarter. to when end we PPP the been a basis first common there you improvement CETX earnings of year. total is is three XX and a up profile, exclude balances risk-based have assets tangible and with to to Combined
$XXX allowance and losses So balance at for sheet an the first operating including we strength quarter. a from perspective credit million the end of earnings both are of in position
is X% business us. bracing is that continue on ability affords the nearly and us of for additional ahead while $XX year-to-date uncertainty million return pre-provision for be at to open assets pre-tax our Specifically, to the and
the the the focus opportunity on shareholders. maintaining to us affords and value which to strength sheet long-term the earnings We profile, deliver to position continue of to fortifying us balance
we who those So questions. have joined will open and of the we analyst appreciate today line for you
