Jose Fernandez | Chief Executive Officer & Vice Chairman |
Maritza Arizmendi | Chief Financial Officer |
Alex Twerdahl | Piper Sandler |
Kelly Motta | KBW |
Brett Rabatin | Hovde Group |
Timur Braziler | Wells Fargo Securities |
[Call starts abruplty] Higher yield. This accounted for 43% of the increase in net interest income. Two, the increase in higher-yielding investment securities. This accounted for another 43%. And three, higher yield on lower volume of cash.