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fees X, we the Slide On expenses. SBA pipeline our remainder and show outlook remain corresponding the of for However, loans year. and the for strong
resulted discipline flat quarter-over-quarter year-over-year. and expense down Continued expenses X% in
consolidations. to from market benefit continue and We expense from exits saves branch
environment, real management reduce that footprint. lever on Overall, and technology. Based we by non-branch post-pandemic meaningful call to work estate We has in a amount, our as are self-help on focus important helped us targeting assessing expense we also bankers an frontline square footage our it. are is which our self-fund investments
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loans. loans quarter credit for allowance the ended losses Our to X.XX% at of
on capital positions. liquidity remain levels our and Slide strong. Capital slide, detail Next shows XX,
X Our first Tier ratio the an capital at common ended quarter equity estimated XX%.
by to deploying remains priority, far, growth. top capital sheet organic balance Our in support
-- repurchase given and repurchased opportunistic stock opportunities about We are also have our $XX million of biased quarter. valuation first stock low the stock to in
recorded our dividends mark in banks, to million. Like amounts to negative account, we a also We other time. grow in comprehensive income $XX over cash many expect bond our equity which
portfolio the and sheet context bond managed ALM balance holistic strategy. of within management our Our is
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loan growth of We robust, part are confident our X% seeing as to loan about announced X% solid momentum. pipeline program. and growth The achieving BEST the we're as is
in single-digit low XXXX. We expect deposit growth
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increases. rate guidance current Our includes X
to and we and year. conservative About X% a have opted an result, our can this double is at XXXX. of X% On we're growth. rate rest Mid-Atlantic, in macro and lift growth expecting have As environment be The XXXX The XX% increase the to loans, for approximately floating-rate are change expected excluding digits. market of low PPP current loan the basis, remain loans we the implied NII is quickly, NII adjusted of time. in
well rising a environment. are for rate positioned We
rest run rate. the quarterly We $XX year expect be for to the expenses stable million million to of at $XX about
like I that However, to would expenses lumpy quarter-to-quarter. remind can be you
guidelines. Our conservative asset quality follow remains strong, and underwriting continues to our
We have benefits had provision last quarters. X for the
loan expense and to half expect later -- a to and We credit points asset That XXX XXX ratio line the sheet second with change. a basis our hit reserve-to-loans to in loss be balance will of of provision in XXXX. in XXXX growth mix normalize start
for the rate high in tax XXXX Our teens. be should
buybacks to $XXX for $XXX new million that, the Finally, to in XXXX. in to we and of repurchase our Nitin comments. in XXXX remainder complete continue turn I'll execute expect it back stock Nitin? program With further million
