Thank you, Jack.
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Turning ago. of a XXX quarter XXX to first efficiency the from and Slide ratio year points improved from XX.X% the basis points X, basis
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basis on operating on average return common improved points, average XX average quarter increased XX.X%. on tangible XX, slides common was Briefly while XX.X%. assets assets tangible basis X to while return XXX basis an XXX points, point on to on average On points basis and linked was equity basis, return equity XXX return
can strong, our long As exceptional risk see and remained business ratios Slide on of history you XX, diversified mix capital given management.
to Slide XX, I questions, year full have as call XXXX our attention Before an want opening we your up provided for update the draw to goals. to
the a goals As Belmont addition People's April simply the United as in were standalone updated unchanged. goals reminder, reflected of
and Federal include for current goals the Please have policy expectation Financial. the by not goals easing we Given interest income Reserve, interest interest rate note full these of and monetary adjusted our year do net net the United margin. environment
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funds was prior during assumption fed rate year. no for in the the Our change
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non-interest year deposits, and income, non-interest full capital remain tax Importantly, the loans, effective unchanged. goals rate provision, expense, for
Now, any may Operator, questions we have. be for we'll to happy you answer ready questions. are
