starting X, on we'll Slide good Thanks, loan Jeff, take and a and everyone. portfolio. at look again, morning, our I'm
total by quarter. primarily the Our increased $XXX of a was prior end areas. increase driven or loans X.X% the from three million, The
continues which and construction in both strong finance, manufacturing. experience equipment First, demand to
partnership the loans finally, has we helped And Dwight that decline with consumer growth realized making of lines increased previously Capital not real are credit warehouse these our to X, portfolio. loans through October GreenSky in manage portfolio. with loans end as GreenSky. estate an the retain quarter, finance to levels The increases relationship sold loans At discussed. at portfolio we areas of an part Next, rates. this to coming equipment of consumer originators, in including of to provided On our portfolio, our lower looking update a the moved Jeff Slide our in residential held-for-sale as effort FHA to we've that concentration commercial to to par. offset in of strategies our some the are we refinance in We the on
industry, end represents deferrals September ground of which quarter. decline which down have The XX% of since portfolio. the travel. XXth, is loan the last this of operators As decline the in million prior which of we of transportation we are the a X, of deferrals, the At XX% end temporarily and $XX tour the On our overview many of provided we've September XXth, of an the of portfolio, in hotel/motel million who by $XXX transit in impacted had from been represent majority of Slide buses, had borrowers quarter. deferrals
couple increases months, to breakeven borrowers the at to them these rates Over level. occupancy had of have allow that more past least of return in a
trends, these towards enable continue payments with that the With we this downturn. them to solution interest-only through work manage now will right these find many to are improving back moving them as to borrowers of
XXth, were payments making to contractual interest-only at original September the of or June XX% of As making XXth deferred either loans their payments. approximately back
over from prior months stayed at delinquency provided point XXth, XX perform rate We at update and portfolio that loans This our GreenSky. of we on in basis has portfolio which an the a end XX% XX, the loan the through represents had have Looking past the point of million four September this the consumer Slide $X continues to quarter. in deferred of XX to decline with portfolio well basis relationship we’ve the range.
in increased Midland’s cover that escrow deficiency balances. strong addition In escrow the principal The available to million. $XX.X account performance, we to quarter during have the to account any an is
deposits. at $XX Turning driven to in from the largely a servicing look FHA Slide increased take The by was growth XX, originators. quarter. related deposits X.X% prior or commercial at to we'll deposits our million, Total increases
mix growth of cost overall core deposits. in to a time of higher continues favorable cost shift in and in result Our our reduction runoff and deposits deposits the a
XX, net Looking interest our trends and we'll at in the now Slide walk income margin. through
prior quarter, average loan due the from net Our X% primarily to interest increased income balances. higher
As our offset cost rates, particularly reduction asset and as deposits essentially improved of of mix quarter a in rates of we basis anticipated, on margin our stability run-off as time in rates net saw driven it yields our overall interest with deposit markets more cost by in during the the reduction deposits, the being in the by prior as we well from deposits earning in was special certain deposits. on point was of The XX reductions unchanged money our paid decline quarter.
two The relatively of have the keep we of to combination million liquidity expect quarter. our stable. X.XX%, fourth with should margin excess these interest deposits into rate also a average assets. some ahead, $XX net in we scheduled our of mature in to help And redeploy us higher weighted Looking factors yielding time
Turning take in trends the we'll management our to at Slide look business. a XX, wealth
end total the improved from assets administration $X the increased to market of million quarter, under due performance. primarily prior Our
at platform We to continues XX, FHA lower impacts range X.X% driven variations a revenue for million had decrease the primarily commercial look with as we seasonal origination take related in in to preparation. income. third mid range, we'll On of a total quarter. the two Our by revenue, this quarter-to-quarter quarter, tax months had the to $X primarily due Slide non-interest only
our reduced recorded a commercial of that servicing also million quarter. We income mortgage this non-interest impairment $X.X rights
the impairment, the mortgage an as to and revenue, banking higher to residential in non-interest Excluding banking economy increased markets. higher as we've in activity community reopen our continues volume increase transaction fees, and income our seen due business
Slide non-interest to expense. we'll our XX, Turning review
related branch the expenses one-time were and to by Our facilities the plan. total charges optimization impacted
prior of small loss ratio relatively charges held-for-sale, an servicing mortgage from non-interest XX.X% our the a the expense these and resulted rights for on in was Excluding This residential quarter. unchanged quarter. efficiency
Looking ahead, and complete we branch by expect of consolidation corporate to the the facilities the end year.
to platform, we the quarterly million as approximately rate realized of the commercial FHA million. savings XXXX well we will as cost a expense the out believe $XX consolidations the with sale With from origination $XX of run operating start
asset a we'll at to quality our Turning XX, look take Slide trends.
We our three We commercial million of non-performing included in average $X.X mentioned, of basis those which recorded or Jeff a loans real charge-offs losses primarily the build as level quarter, or in three loans of to $XX reserves. allowance in reflects due provision for relationships. As general our continued commercial loan charge-offs had estate quarter, a points level charge-offs against XX% losses real increased XX reserves XXth, a to million of which net was estate allocated in At loans. September taken pandemic. ACL approximately credit for as the well of of light net higher our of the
opportunities and it's we'll in non-performing end term quarter. we to of quite loans prior with seeing of components of of the are show ACL additional from have our the losses. of a near On market interest Slide no change dispose debt We in some troubled XX, the some possible might the the our for bit
Our stabilizing, reserves of ACL from reserve it of quarter. was total forecasts broken of increased across The in the economic drove deferral component million than prior up smaller adjustments seeing was loans to the the in loans, this by build basis reserve biggest largely our strengthened new basis to changes and for portfolio at coverage. portfolio. loans increase bump portfolio, The a $X.X we our much prior reserve resulting show spread On other points plans. end XX ACL points to XX, in areas with from by risk and With in did payment contributor most quarter. increase XXX the downgrades and Slide out a ratings our on
to certain the our addition and portfolios In guarantees, our portfolio, excluding coverage to ACL And with also or over Jeff. government X.XX% to ratio including credit quarter. end PPP when of increased GreenSky to lines. total ACL the compared X.XX% the warehouse enhancements the the we the coverage turn When these commercial loans, FHA prior the back track I'll that, are loans loans of excluded, Jeff. at with loan call
