you, everyone. Nitin. Good Thank morning,
comments adjusted fees. the overall, you Revenues adjusted to basis. our the years could presentation, turn appendix and XX% quarters. X X% income My for it both Please over an value GAAP please of annual If Slide for will as captures growth and financials, statements. about of reconciliation quarter the earnings lending our the in despite see sale, fourth in on 'XX, not interest be income. our an Fee Fee management, to of revenue and income SBA Net benefit decline driven grew fee income wealth having on the was asset-based fees of mostly sale offset due in of by growth insurance insurance X% in business. growth, the gain
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to points XX improved ROA XXXX. points basis from XX Our in basis XXXX in
X Slide our to quarterly results. Moving on shows Slide X.
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Turning to Slide X.
portfolios changes assets. earning Let me address our in loan and
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profile. in funding detail Moving on provides the Slide to Slide improvement X. more X our on
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refinance We first quarter. expect first half the the that credit of in in to likely XXXX,
have on done and data XX the look we credit COVID in capital liquidity As we've -sensitive positions. convenience. appendix. Please a Slide on our in your detail at prior industries quarters, included take shows
levels capital Our very remain strong.
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opportunistic but our also We to dividend stock are grow low cash time. focused our enhance valuation, given and dividends on over stock expect yield repurchases
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interest based low be we On XXXX, is we income in deposit trend XXXX on percentage loan basis, in rates expect our forward Our expect for to mid-single-digit low guidance mid-single-digit higher. to growth net the range. we reported implied up to market XXXX, name a expect single-digit and
was As our you XXXX. in interest PPP income Mid-Atlantic net balances by and impacted know, included
income Excluding single-digits high rate XXXX. using be interest PPP and market increases, our and Mid-Atlantic from up XXXX implied in to net we'd expect
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enabling bigger in Hiring and reignite advantage. As half for partnerships will the year. XXXX. PSC of and this initiatives average hires, investors. engine. after growth us And productivity in balance we focus start differentiating NPS getting first A start and combination of growth, bankers, seeing origination's technology we getting organic our sheet customers, growth our will better communities,
have We to a from unique talented, community-dedicated opportunity purpose-driven, our banks and hire the activities. bankers impacted footprint by in such MOE other M&A,
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