everyone. morning, good and Sam, Thanks,
important The first a quarter perspective. an margin interest net for was us inflection point from
spot from QX loans our increasing Excluding in and improvement yield deposits basis to repricing the QX, XX spread, while in that PPP, over decreased between on points XX-basis-point by that basis loan-to-deposit a QX. time in combined and of result points spot the period. X.XX% increased The QX of by cost same X.XX% XX drove spot
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Federal borrowings no outstanding have We from Reserve. the
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this see, the bank far peers. among by can As best is regional level our you
per ended annually. consistent the next tangible XX% really book showcases quarter Tangible under just to value we and XX by our the AOCI increased Moving headwinds. share Since per book Slide by about accretion value tangible page. during have end increased despite $XX. of value book $X the XXXX, share QX
the the is current Our regional XXXX only share per peers of value By current per tangible capital book tangible to X.Xx increase This per XXXX average has year-end organic share tangible generation. year-end value bank our accomplished contrast, at through X.Xx. book been value value. for entirely relative is share multiple book
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declined at due to XXXX excluding X% QX the size ratio, increased end Our PPP, year-end TCE the of from X.X% sheet. of the at to balance
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and the by lack demonstrated point QX balance incremental of out of that of end our the CETX stable risk I'll is X.X% at sheet QX. ratio
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anticipate XXXX, current accomplished balance This points roughly by between our will remainder CETX sheet XXX basis level, XXX and from look to we XX% of ahead retained the to building targeting XX.X%. we through As and earnings the be optimization. ratio
their As we longer informed of be have that nonstrategic and participating example, refinancing certain the partner an in we facilities. no will lending clients already banks
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don't lending-only add reduce to relationships value. aggressively pushing franchise are that We
pass an the Andy? off quality. on provide presentation to I now update will to Andy credit
