Okay.
give XXXX, perspective just to management. for you at little a Looking
balance billion to the our billion average looking and again an $X.X sheet, of million and between $XXX grow million loans a $X That's of quarter. terms year. deposits $XXX In both to we're for
a year, maybe to little The strong. loan our be again, the but for deposit very think, strong bit organic we first have quarter we'll pipelines And growth. and slower, continue
as we're sensitive. asset of the net In margin, terms interest know, you
continue grow to and more bit with expect opportunity the margin to XXXX. recent of our will in provide an little and us little steepening prime a LIBOR, yield for a that, We to of a in increase curve
of that, basis rate that. percentages I change, dollars, new that see terms for our that's bit, about quarter, tax-free. And of to margin bank double However, deposit betas about a you're of billion also attributable not could the the first tax with are to assets, that we're we in our have that $X.X XX%. in in the do will securities a estimating tell going should go lower XX think loans to terms and because but we decrease going fact point decline, you, little our up to and
as all the most addition, not interest a XX daily comes basis. income in usual, first XXX our In on a quarter, to net basis, of on
another days, lower so count, XX deduct to going And the that XX XX points. basis day from will
we but efficiency and we these I for to said, only to really faster and revenue that in company. grow a at going earnings a our a as year, X:X the been neither affect that can Operating our dollars, interest this do of As well ratio, are growth. of the we going think, to a bode at one low than to see ratio, leverage we hallmark has about income pace And that. percentage, have continue you're run continue going our our into should but Not efficiency actual our expenses.
our really, number last visibility we net strong look pretty about projecting rate. the But We're kind our see the continue the this the of of years stable. rate. pretty rate asset project and it and come horizon XXXX to stellar. have hard that. been to One kind was for the tax today, and year Last at basis The have we The as the year the rate, in average quality, year charge-offs, in XX%. to quality think will point we tax year tax at and remain obviously, tax decrease before, Asset XX%.
people. our have may pile of did we back addition, you read, into some savings some investment did, those as in In we
During increased other about who XX,XXX employees our place. couple raises of XX%. some January half this year. We to We gave of XXX(k) - starting less, which of match, or put in things staff, our make is a
$X.X in tax our the And overall you to be at million look getting was continuing retain of so and savings, And those somewhere we've to talent initiatives and made top able more quarter. $XX looks terms about when all in competitive, the it's million markets acquire people the per range. in coming like are in investments our
to the best the share which years. business, put that we've doing and the help. company we continue to growing So of earnings not to our done do We're We to back pay our thing use dividend. that is buybacks, will don't believe last number continue so in it with over
for of we Dale announced. discussed X.X spent lot transition position of So a moving note have me dedicated is been I our Ken going year, new smoothly, questions. I'll here Board with and planning, This questions. of into is CEO Directors. team but not the time April Chairman focused years with senior just that's for that, We some last any of are and on that the at And answer we quite at positions floor a very a that And management. recently for capable open and succession level, that that all the process to to should I X. the I'll of as is take Executive
at things So the for any we'll that, bank. open roll the here continue With out questions. should floor to
