-- within Thank that and to to accounting. to Will positive you, margin accounting Good purchase in said, purchase third our out, on we ROA, morning. continue interest another we increase us. the and said, had Will. net And made operate at effect quarter rate fall The have a net it X.XX solid net range loans continue XXX with our a bank adjustments very quarter continues the should as
line Our we year. XX% loan that's on said, in the talked about X% at we the to for growth growth with what continues year-to-date, X% that
us and to real be Austin. and is The we fiercely very at Our those. and loans, to strongest are we're -- the estate seeing viable. result continue and time, or continue Dallas, Worth, less commercial big the for They Fort less focus markets C&I compete big
very that about. talked to which of with Two $X billion $XXX,XXX, in figure. am quality I growth we of XX% think have that are have and at And construction the million the proud our the When quarter, hold quarter, fourth estate commitments able unfunded hold. loans X% we so that look half that to we'll for real that are on were that for will charge-offs looks have our of $X.X $XXX pretty shows loan we a be that they portfolio, to continue pipeline million been fund to up. million. favorable loan able loan X.X net We billion I year-to-date,
did companies. to awhile. we is loan for oil classified parts company a It million quite on non-accrual, that have However, things distributes a put that service distribution we $XXX loan and and machinery gas
been do loan. on this about it's put Their we caution We course, and has the non-accrual. declined, good slow. Of cash flow feel
should we El and continues to on reduced it reductions our XX see As pick see up, our bank we should sold Paso. by in XX. our We get million to and It by back continued accrual. deposits loans
El a we market. are also Paso we at branch So new The in But opened of Frisco. up Star the out out
good that are We with be happy and employees out things very there. there looking to for
be Our deposits to strong. seem still
deposits bearing happy like around about we X% this are I And with sales. non-interest with year that. growth even Our am XX%. say, deposit the I had
the XX. Going in business did $X lending, quarter quarter decline. down and in the to did prime area. about We re-finance less from about and third things was about billion XX% slowed that $XXX primarily the million a of third have kind That's we mortgage
think focus XXX market however, and of really Our to can million And continue we X%. purchase or to we take share. we increased that's course, that's where volume, where
people to to competitive. repo continue very processing because has grasp away. these for purchase the issues try business been It's We as buy gone
and game. play this We the before we have seen
keep inventory. across good volumes, We is will year-to-date as the our and help we for Not still are lacking That goes. them does issues officers and us. country. as Year-to-date out. will industry keep much our cause loan Inventories good customers far this the
are in look And if industry, X%. year-to-date is down XX%. the the We decline industry at you the
we to outpace So, the continue industry.
industry as On actually the down purchase side a X%. year-to-date or X% we're is up of it,
market taking focus. we're our there is and that So, share
that's you loan net and if interest third to But or on from by production. mean Our net due about will, at in sale quarter XX% points. we the second I the to year-to-year. non-interest the sale -- do And or improved million it's say from it gain our decrease XX% but think XX.X decline versus year I you income gain a non-basis on decreased points in quarter, actually prior look
aspect officers. good of we are one loan year-to-date up I think this new is XX
the think our side the speaks I well that company for in purchase business. of
that. we protection we does more And pipeline. in we identified can And and on quarter. stuck against the the gain and share losses $X.X so, the in when but come million reserves losses, from things If haven't up more we market as have Primarily Irma, see a Harvey this that. from and the got a did strength also industry pick put
but We being are point but really on trying to cautious side. at identified we the walk through, those, we haven't this are
As had as gain what after-tax we Jeremy been a really quarter; doing. far companies, we great said, as the securities compared have good to
think start and And the to we I we mortgage fact expenses that's that's our business bit, but been that the there to knew wouldn't business structure and something pretty our bit, banking have of primarily that be and we bunch think take business starts a been But that and control but up. has back relates because of also continues go lot little good, been this finance off expected and the much to this a our going chin continue be at pretty to a things we those. to able reduce which re-finance But we strong, to experienced little industry-wide security. company. pick Probably due to that's a as to infrastructure the occur that a it year has on retail been mortgage year. has
the one we're the to and of had billion dealer they storms we along pile cash we work providing quarter. helped expect several the So there. Lloyds income. only us Right didn't funding And third really by bank thing right billion have certainly now helped that really had have increases as up. management, planned. earnings seeing to broker of is National then course $X.X our a Hurricane Harvey, that's hit we Not goes, the to to about were continues And with quarter And we as which hit that in brought revenues $XX some tough on as Harvey. course us, were for by go the now helped we're municipalities, loss we for rate managing good that's
going are. continue the premiums where are to that in decline, way. your expenses Our one in But Arizona difficulty to lot a we lump competition, and way that's Texas results due going mainly are and and other when your premiums
continue through how Harvey continue companies the see Houston able and to we find our So work on going process to and base. to and interesting stay in how it to to we really as to that, around, we be chin. premiums, be try revenues our our and are go this increase many insurance ways to with tip It'll on many really
CAT our think because I our and that significantly. well we came reduced loss of out coverage,
well I we hurricane. if same. We'll it So a are think the others the were see covered considering was there
the a it we'll for day. quarter and around, look tough will back fourth National So Lloyds. a Hopefully was quarter better for come
me, ends from So that that's I report think remarks. the operating our and prepared
turn questions. I'll So the back for it operator to
