and Ellie, you, thank good morning. Well,
all and welcome you very quarter much morning, this us joining to call. for earnings Thank our fourth XXXX
Financial Enterprise Officer; this and and Enterprise Doug me morning Credit Keene Trust. Trust; EFSC's Joining Officer Chief of is Bank & Chief & Goodman, Scott Chief Operating Bauche, President Bank of Turner, Officer
yesterday. Form from reasons found vary the The release most why Statements remind that refer a recent X-K titled call and our today. we may results any Before and Please of forward-looking presentation were to SEC on Slide for for actual accompanying presentation everybody statements furnished X begin, XX-K that website. I would XX-Q the on can and make Forward-Looking release earnings we be of presentation like the our to on copy
Our X. financial Slide begins scorecard on
results with XXXX. fourth I'm our and of very for for all the pleased quarter
fourth to adjusted continued pre-provision strong the assets fourth assets earned compares on which in an XXXX. $X.XX the financial quarter and X.XX% of $X.XX on performance of return share, the of quarter, We Our $X.XX quarter X.XX%. where and produced diluted we return in linked a in per
margin, interest to drove income flat essentially diversified and in linked Our net remained interest business quarter an compared expansion which the while model net was defending when above X%.
a in client new have late growth throughout XXXX Their outstanding that fourth and associates XXXX is deposits generation. contributed in investment talent in and to pay that relationship the we in off. to made The experienced quarter. efforts C&I in deposit These we managers beginning the banking pedigree
high-quality deposit and built, of franchise illustrates This loan model. value hold the relationship-oriented produce remain to earnings our have this reflects ability margin that consistently the quality shareholder of client-oriented with we we improves to level a our base positioned Our strength and the portfolio. at
this in would to the focused for year different few ago. for into positioned our are any success. fourth we that us, that this markets well that clients XXXX not XXXX. line several focusing you market, on or We're providing our We on focused team-oriented relying X had quarter and cadence defined means another is a like success. trend on listening approach I years And remind solutions our entered established diversification. on business a our accomplished We holistic revenue growth and and economic We continuing for strategy strong -- of consistency client-centric in from in businesses. to their guide well went focused
refine come. and quarters improve strategy the years We to and will to for continue
company. For moves. client the translate this up our mindset in last the the few demand. by into loan thought loan quarters, most to our though, of has I has demand as did mindset Since significant respect with quarter, yet financial can I say discussed election, we significant would the Like but presidential evidenced see loan happen have wait-and-see not long we to that changed, This base Agricultural should of disciplines slightly tick $XXX of of here, by million wind do million demand annualized characteristic an our changing $XX on force our elevate continues decline pricing in down. or and think that but I to includes basis. this portfolio the will been growth a credit that that X% a we from
for deposits saw the the X saw this making of client by $XXX client and our that become we quarter, increased In base quarter quality in deposits deposit differentiator the growth Deposit grow. has we the the company. a fifth significant last million,
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We our XXXX. XX% end of over since of total the deposits DDAs at have maintained
confident mid- grow remain pace. a that I we will our XXXX in sheet high-single-digit to balance at
have and is new, encouraging. and deposit are complements good a established mix, both room CRE, building bias. too, seeing good The loan opportunities done pipelines. job With grow C&I to teams, our here really that Our we ample
will Scott's markets our hear You during much businesses more and about comments.
stable our capital provides which of with planning. balance at to Another Capital sheet, ratio end strength with well-positioned levels tangible respect tangible quarter assets common our X.XX%. great equity company remained flexibility is and for strong, at to our
value for As impressive share book was quarter. was the $XX.XX. our XX.XX% Tangible on tangible equity common fourth common per adjusted return
and of quarter repurchases. Given first and share of share continued dividend earnings an additional million per $X.XX XXXX $XX by during stock returned common the increased we the we execution, per shareholders the strength for to to the our our quarter our in confidence through $X.XX
would assets industry the this characterize define to at total portfolio normalized our strong modest of and the each NPAs but maintaining third We've the while slight XXXX, and NPLs very to levels. to a been for for In like stable. profile as credit total quality allowance showed of compared attempted of credit to what quarter, able remained X.XX% and loans. losses increase a unguaranteed would a to achieve credit strong I loans profile institution. look
$X.XX technology into per on reported financial XXXX. adjusted along with $XXX.X heavily We margin, Slide terms a given income Keene of in X.XX% return provide million in highlights tangible resulted invested average much of both in of $XXX will defend of share. -- the more interest talent pre-provision comments, expected environment. the generating common his while equity X these or This strategy company in our rate common and for net our We XX.XX%. ROA XXXX detail results of diluted revenue. to full pre-provision net per and provides the year on over million recap of in an a earnings
where Slide X future. for foreseeable focus we'll shows the
the remains our in business, focus As our same. enter we XXth year
of businesses and that of relationships. while and really strong day family-owned lead to those of in consultative continued time to franchise high-touch building this we've the continue day cherish focus the care will accumulated clients Doing performance We several quarters on will value. adding more taking that out our great
our will protect we'll market grow to of alter chase sure to discipline make be We we cognizant growth, continue trends current client base. pricing the not our credit and and to
We M&A will continue to all take of advantage disruption in our about caused just the markets. by of
situations. the these As past over you know, from quarters, adding talent been several we've disruptive
that of talent company. of and these we likely the profitability our are new will from every While pace and investments subsequent corner confident relationships will many add just about acquisitions moderate, growth
Scott, our clients a perspective how are of like the handing their would call and the provide I performing little Before to provide economy point. view from to overall a on vantage
for part, anticipated continue that For in encouraging and well the momentum clients should balance XXXX From in their and quarter. the that most our beyond. readied the distributors, in large, have XXXX manufacturers and we've fourth should They opportunities seen performed general subcontractors mid-market XXXX. manifest to sheets
succession should teams the Our with conversations reshoring, investments power we've starting continue in success to sound have for that clients. impact growth and We're blend see C&I experienced infrastructure development and expectation strategic companies positive acquisitions. continued that the well our CRE generation. of expansion, many to with are XXXX My about also making for
limitations. this decade to plenty XXX/XXX to restricted towards capacity our Our due gives conservative of earlier remain this [ grow CRE us ] their of our business, part approach competitors while
market lending our and to a of like good will team's our middle seeing share the consistently tempo opportunities are I to that corresponding that ultimately produce Overall, business feel and growth. reputation about and lead specialized our in balance mature great enjoy and sound businesses. we businesses in sheet quality ability geographies market deposit consistent We
such, corresponding confident get more As continue share fair that opportunities. our I'm to we'll than of
rate call levels Goodman. predictable and markets blend higher while in to continue to our and is these markets. at the foreseeable newer gives while turn to continue high that continuing peers will over Scott of future. I'd we we build reputation than earn provide Scott? to that, value grow Our level at like a higher-growth what me opportunities compound to the book will areas confidence tangible similar over our With This a
