margin meaningful highlights customer the quality, credit Steady Thank strong core efficiency loan Dan a key and operating for the improved position. you, growth, year. referenced significant deposit Dan. expansion, stable growth, capital
quarter continuing from the same by an XX% and $X.XX EPS provision year, expenses last revenue, system driven for adjusted increase The results, loan isolated small decline in up quarter quarter with the linked adjusted XX% Focusing to lower a losses. loan increase driven in some and expenses combined operations upgrade specifically on was the EPS from by reported fourth provisions. a related our $X.XX, of we
annualized with million billion, at with mortgages, owner-occupied in quarter's the residential growth C&I and the $XXX in of growth quarter primarily X% the $XX.X just ended income-producing CRE. Total over fourth year loans or
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$XX.X deposits, during we the brokered quarter, used fourth of grew Total billion to billion billion pay with addition sub billion the in call in term the funding along borrowings the to cash excess and million deposits $XXX in including $X.X that big in $X.X off quarter. $X.X debt program
in discussed also for slightly was core XX September temporary in fourth growth $XXX quarter the balances the deposit for increase public the funds during X% balances, deposits quarter, end at core million while quarter. or million elevated declined saw customer adjusting $XXX We funds And a seasonal last that annualized. we quarter
deposit core year full customer for X%. almost Further, growth or billion $X.X the was
customer growth core the and team is perspective. our As has deposit you the base our foundation retention done a tremendous and know, both franchise, from our of XXXX a job strong in
core continue The on has the to favorable trends net interest grow to margin net be ability funding Slide driven held our in and XX. also interest income
earning interest improvement it The significant we net X.XX% reduced third fourth as quarter improvement of points quarter interest and margin XXXX, quarter margin the was by represents XX And quarter increased of basis X of of average basis a assets compared fourth our since has points. fourth by Our lower 'XX. net borrowings excess driven to the cash.
in declined cost loan points to basis our interest yield recent X.XX%. fourth cuts, XX points deposits dipped of the basis portfolio by X.X% while the Given quarter, total to XX rate
Net XX.X% noninterest-bearing revenue supported in million, the Our the to was a deposits as quarter, to by broker total in the quarter interest $XXX.X of did the of deposits denominator. partially the loans. deposits percent decline $X.X during impacted in up growth new million by the addition fourth
by increase X.X% revenue fourth service For on X% card mortgage Slide Wealth on decline other to the the in revenue. deposit billion, up an XX stable noninterest offset an $X.X revenue basis, management $X.X very quarter revenue, highlighted and or a 'XX, of was in fees full revenue was net in $XX.X linked quarter. year were million XXXX.
Noninterest charges adjusted declining $XX banking all or as million compared interest million was
decline in quarter mortgage as on net $X.X and to improvements slightly. mortgage due offset mortgage valuation rights the sale million in revenue servicing adjustment, revenue servicing Our was $X.X gain banking in fair compressed partially margins by a up the origination million
Notably, extinguishment our lower that debt the miscellaneous production $X.X quarterly highest X in declined years. to gain in in reported a fair increased volume of income Other limited third million, on production well to was of over quarter as $XXX equity investments partnerships. some million, quarterly as the largely due results valuations
improving noninterest revenue other charges growth adjusted fees, XXXX $XXX from million, revenues. million X% year was year, reflecting full the or year, and deposit service prior management in also $XX wealth full the For
quarter third largely data quarter, $X platform. A fourth and Moving to the or to of are impacted management by quarter was to was majority $XXX.X expense of increase we expenses, approximately X% expected This up increase million upgrade Slide the by XX. treasury million software compared move the adjusted as Total for with be of 'XX. a million processing forward. not $X.X expenses this in driven noninterest associated ongoing which a our upgrade
$X.X increases and in advertising operational and relations expense noninterest Additionally, items, losses. public due several million other increased to including services, smaller professional
billion declines year costs. full XXXX, X% year, was million compared XXXX adjusted down to the by expense of noninterest the compensation $X $XX For in driven or
the efficiency by annual expense, the adjusted X a X% improved with growth decline points this during XX.X% XXXX. annual meaningful noninterest to year, XXXX moving revenues, for from XX.X% adjusted in percentage Given combined X% adjusted in our ratio for
XX quarter. quarter X points from credit for the Net third charge-offs and fourth XX basis on million were on Focusing the detailed in points the annualized, XX. basis down or Slides $XX
increased by guaranteed Nonperforming for $XX fourth slightly fourth credits. And a relatively allowance million in flat X.XX% and quarter. provision at of was or loans and very Our quarter. losses of fourth end to FHA million the our as reminder, of the the credit coverage represent million those portions quarter, for declined at $X XX% SBA $XX the
to with loans percent loans, as both X.XX%. our of linked total total as criticized loans of classified quarter a and and percentage a of classified declining total Additionally, criticized loans as loans loans a percentage to X.XX% declining improved
strong. Slide grow remains and Our XX, capital detailed on to continues
meaningfully called While regulatory the debt that we a the and other subordinated capital more November small increased in had total year-over-year. $XXX on capital, in linked nominally impact quarter metrics million
our approval capital our in clear Additionally, dividend in the $X.XXX increase XX% confidence of of a earnings common per is share strength our a power. to and indicator quarterly Board's
laid the the impact we as regulatory capital. merger forward, immaterial to the expect out be First to our to materials we in Chatham Looking transaction, immediate of related
our earning incremental and credit sets leverage quality. continued XXXX reflecting XX of operating forth the improvement Slide to stable anticipation guidance, asset growth,
in are loans X% of net range interest the deposits to growth rates of growth in opportunity through estimating low with the we continue Specifically, we growth over and in as mid-single-digit X% each core and year. levels, a move margin revenue customer to total in to organic to adjusted see XXXX
as X% between our investments XXXX expenses for fall continue to XX the to net we X% expect between points. to annual on basis technology, over we levels, and to charge-offs and Additionally, focus in people XX increase and year
enhanced Cadence move sheet, new was core achieved shareholder XXXX operating instrumental deleverage we significantly an guidance earning XXXX ongoing and of where in growth will balance for We asset we performance, and this our improved mix, year XXXX believe as value. and year leverage performance support into the the one metrics. momentum customer continue nice
excited We to footprint fill-in M&A our continue growth expanding on Savannah, both are for in and bullish organic presence about also opportunities. and our be
the like please. Operator, open call now questions we for to would
