we'll take X, and Jeff. starting I'm portfolio. loan a Slide on Thanks, at our look
quarter. prior increased of total Our $XXX loans million the the from end
the commercial warehouse our declines in flat, an PPP of loans, As Jeff largely finance offset about commercial portfolio in million in strongest loans, the commercial balances mentioned, and commercial conventional estate as portfolio, real on was growth period lines. came $XX and decline equipment in credit the FHA loan just end growth while
by was million, direct portfolio consumer was we in the do. between which Our split loan growth and other GreenSky $XX lending that up portfolio, consumer also
partnership, more and which annualized improved than the loans total real generate commercial loans to estate commercial our warehouse and XX%, added credit loans. increased reflects consumer in loans, PPP lines, an commercial through of Excluding growth rate at GreenSky ability our
on Turning finance an equipment to update Slide X, we’ve our portfolio. provided
a borrowers as the transit in recreational ground trends business travel industry, and the to in transportation We improve. see and our continue of recovery steady
all December XX, of As the deferrals payment. of nearly some deferrals of had making form we of partial with remaining, just $X million
portfolio. well which the that loan remains December this throughout of with deferred Looking the Slide $XXX,XXX our consumer just extremely At loans. basis even range portfolio, at six, portfolio of we've points, total represents an on at portfolio than update XX the through pandemic. loans that in And the we've have only seen performed this of has X% GreenSky. historical X/XXth the had we XX, rate delinquency just better in The provided we partnership
any to relationship principal addition update fourth the cover later end the performance, In million the the account quarter. escrow deficiency to the strong in GreenSky in account available on have call. our the Jeff balances. an to escrow at $XX.X increased of The will is
of increase enabled take balances a largely cost Slide servicing to our higher deposits. at increase the in deposits. to million deposits $XXX increased the $XX was million continue look declined deposits, The of CD The an or us FHA from Turning quarter. strong by X, we'll as attributable quarter. prior Total commercial X.X% deposits, to end our the non-interest-bearing inflow off time running prior from
at the in Slide and trends walk through Looking net our income X, we'll margin. interest
to of an increased net loan non-interest-bearing and as quarter, portfolio as securities, we $XX $XXX interest basis, the the earning average X.X%. to inflow million quarter, both fund we Our investment utilize yield around due with income in investment higher the the portfolio. increased in prior compared the increases from average primarily million On added of assets, of portfolio an deposits to X.X% interest by the prior balances
the would temporary assets, finished on would near-term deposits, or and the pressure normal We indicated net our year equivalent that of margins. accounting earning usual XX% put interest new the last addition is we which liquidity servicing of cash on interest level. excess cash some our above As our with for call, create our
our interest our points decline cost offset Excluding benefit unfavorable was that earning excess declined income, in of our pressure six from the a deposits higher and liquidity the to advances, of to mix. initial to off mix partially net in due the improved FHLB by due assets. the basis paying excess rate liquidity shift deposit accretion and margin The
margin the dependent on in redeploy more can favorable in our largely assets. term, ahead, liquidity a into near excess be we our earning quickly trend net the Looking interest of how will mix
$XXX our However, higher period our loan balances. balances than of million were end average
puts first the quarter. interest in shift position a level higher that income So, in see net us generate to a favorable and mix good that of
look management Slide business. wealth to Turning we'll our X, in trends at the
the of quarter, to market end Our million primarily assets prior by administration under the increased $XXX from performance. due
Our We our fourth Compared a estate On at of income the of fee with the wealth in recorded XX.X% which on income had gain of unrealized positively $XX.X management quarter. as flat from growing under prior We was sources prior in strong swap, fourth on FHLB increase million decrease to the non-interest quarter, non-interest increase an essentially XX, wealth quarter that investments. income. recurring fees, quarter, our had prior quarter. equity our in the year, million offset a the in revenue of other our on the guardianship administration. the fourth we'll income. in income revenue reflects a in couple gain of items the non-interest of we progress $X.X Slide management increased termination impacted Outside XX%, and look assets
We bank-owned insurance. life had gain on $X also million
see net of the these $X prior Excluding items, million the a to mortgage with similar mortgage of other in commercial servicing were impairment on income With and volumes interest quarter, levels most interest we declining, likely the impairment will in that on increasing rates areas refinancing commercial rights our exception XXXX. it's servicing decline of relatively rights. lower
non-interest primarily renegotiating integration couple Turning an prior expense we’ll from to and our a acquisition prepayment data quarter. excluding and basis, non-interest On of expenses, was XXX,XXX by due vendor XX, our costs resulting advanced to the approximately while adjusted XX.X%. able processing successfully lower review were that fees, Slide expense. from declined contracts, relatively $XX level FHLB This areas Combined we generated, low efficiency flat ratio were end million of quarter. to we hit higher the On of run to we kept we to the other $XX the our with million prior targeting. with that an most rate the revenue basis, improved the adjusted
first the quarter $XX.X range to ahead expenses million we to XXXX, of Looking $XX.X and million. between expect rate
Turning quality we'll to our Slide XX, asset trends. review
was the portfolio, to partial nearly charge-offs losses in of pandemic. average the XX on the all our reserve end equipment $XX we remaining payment. established Our basis of acquired or show one primarily On level just At our build on of recorded the a XX, a strong and few the no prior payoff the third was credit them related decline. as We quarter, non-performing allocated for credits well December deferral, components production. we from credit earlier, finance pandemic the provision of basis that Deferred of net loan. the largely reserves. for or prior had which also end for this our points in Overall, losses, of also have the in the some of generally we million with the charge-offs total to of XX, general the million points loan, positive. end of from We At making impacted And the our in to approximately by loans At the from quarter. are commitments, have to December had in of we charge-offs the trends ACL loans the $X.X deferral. of charge-off XX, two the been decreased mentioned reserve though, moved of due allowance during form below are of the to hotel loans. Most now quarter, loans of related loan a non-accrual to XX% continue in we as remaining loans, Slide of the seeing a of loans we year, and approximately losses XX change loss. portfolio unfunded million commercial $XX.X $XXX,XXX, had resulting loans
by by Our On we This by segmented specific forecasts. the decrease decreased or offset The related to in by reserves small ACL portfolio. economic was favorable approximately Slide partially changes additions ACL $X.X portfolio. out was show million. our and primarily broken XX, driven
we the call Jeff. turn will And I in Given ratio positive are portfolio. the most coverage trends seeing, down that, Jeff? to our areas of brought we over with the back
