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additional details. into I some will Now get
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and in consumer year-over-year We also deposit trustees gains saw charges. service
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our concentration. loan commercial shows XX Slide
can have or portfolio you we CRE diverse of many we avoid issues, backed to see markets. able exposure been from office do with a the the material and graphs, large we've risk by As rent control metro have strong specific underwriting, not in
to some recently challenges care currently beginning signs has is Our of sector, improvement. show seen health which
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X.XX%. be on improvement to report XX to a tangible asset CETX an point expect which and capital ratio, will We ratio our TCE XX.XX% basis
outlook year. profitable will anticipate the stay on loan and I growth low loan half We We'll growth. Finally, focused lending. of second cover the space, commercial our the single-digit in responsible specifically C&I for
deposits expect and remain for allow margin. to costs modest manage combined of client we pressures. largely flat, the net will expectations our pricing market will and balancing disciplined deposit interest with a while loan We That expansion
this We team thank noninterest ratio. positive will our keeping have expenses QX This and of impact On are for morning. in leadership expect remain a expected on you net normalize the flat. level. charge-offs behalf modest income, to Directors, Board With growth to us joining and tax efficiency entire of rate of XXXX our X.X% closer we on focused and
I'll operator, Thank At this to our my call you. turn the question who will time, and Desire, over answers. update
