quarter. We're solid quarter Good at To earnings our report $X.XX a is share call. share earnings, morning, remind compare the for to were to share first Comparable earnings last income share. nonloss if you, very Welcome or that nonloss post-loss quarter everyone. I came million Net or that at our happy time. $X.XX another they year, first $XX to this of Earnings. in quarter.
demand the struggling not but about it noninterest-bearing in million and DDA I was success flat. for growing DDA been pushing from when, is to remarkable of That's even we've X for with $X.XX of grew $XXX go had most we've the tremendous opinion. story. a growing That's keeping million quarters, Deposits $XXX what last just think, in year, in the So to been $X.XX my is which our quarter, deposits. industry
Now DDA base. our about deposit represents total of XX.X%
started had higher $XXX honestly, we grew what we we quarter. switch, I at for Loans XX%. leases expected. million than when number, is the were actually by and about quarters this ago, think five That
if first we for to -- our is years, quarter quarter quarter every and last growth. is loan see when comes quarter first slowest go First X back the our or year X it
growth. own X from So actually I me loan said what $XXX million to I opposite. the from growth months which we asked after thought The got or But than quarter, of be quarter, in we're quarter. honest. it was Fed, came million ago where if probably of on numbers -- expectations, I would of out you which approved less deposit happy we expected buyback, better the and very we million approval the came $XXX Share very middle nevertheless, growth have $XXX executing with is was last out actually our terms. started the
on at price only million $XX.XX. now X.XX%. in million share average at X.X is NIM terminated. about executed Loss So of an shares bought we back $XX stock this worth and for of came quarter
XXX points rate we hike think Cost right to the -- basis the for was quarter, and XX gave points, you so in in December. I what and smack guidance from to X.XX% the of from guidance between XX mostly basis kind by of the X.XX% was. increased last up this that middle it's deposit which Fed is year, basis happened points of
increase. the this had at So it very XX and was beginning about or felt last of quarter, basically point the end of year basis
part issues. we've year where expected and we story to The our where nothing bit of really competitive markets, Payoffs I is to few the with Production elevated, really for for CRE, off good last hope came basis would which front the has the for quarter, have pressures. Economy just last have pressures, see I like it saw call. right any compared quarters. last I've and very of they is part say the both year. landscape. somewhat a -- will this the on story, months say, quarter last the payoff now, fine in little and and X couple the healthy. Pricing of easing we in the It news continues This economy eased it's be. compared I'd in I was comments quarter. the also payoffs so the coming the side. this a it will of along in same. much they the what compares result by another line I what September. been and increasing we to in to point hard has would been did first a over our some off. of that both economy predict the say had quick C&I, with don't new have of about to increase was think like very XX deposit I the on said say are exactly so become lending Fed A done from kind CREs competitive pricing boring On perspective, to better us deposit still feel
is to referring we about March, as went we started the phases: We in project project in pricing got It because this X BankUnited in X back months. saw probably you've again of I is quickly again, hearing we for been saw, towards us X.X. This last as or was fourth what -- the phase we, through X end. October. a The the first X are X talk of quarter. that to last to from the in weeks quarter, in pressure, an want the end However, of quarter quarter, increase
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the this total The accruing, benefits shared already $XX and numbers have started run as the Both opportunities. $XX we of is rate most of of these of it phase. we've of accrue revenue this will is expenses are million implementation $XX is but obviously, benefits execute million of pretax of million. that and when it Some it across numbers, course.
on. of after you what expect a we've is If been layer rate of run -- final that all asked number ROE times, of and the we ROA we these sort
current Our ROE XX and points X%. were basis quarter about this ROA,
ongoing, over a is have certainly and We we next buyback few to the months. that done that get expect
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improvement No economy. the so to curve. No to otherwise on. or no the rates changes growth in changes and So
simple Just math.
the gets XX take to Just the and us that basis on and points $XX X% the million layer level. buyback the and
is now. quickly depending from. is in coming That's what talk on better happened we're about BankUnited environment, the X.X want or to But this guess what best maybe Now the expecting. and worse right I same. it'll our be or what that's all where probably
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was years. so be in an the really exercise the over to that have next making And sure successful XX right foundation it we
a organizational came redesign the really down to it So of complete company.
geographies. New X ago. We Our and XX along south national businesses best to north need up customer around And way geographies. the evolved was And aligned entire was about the today And thing customer was and launched question from way. the or answer designed years launched and ago. national We bank launched X years perspective. the first did segments. is It no. org entities. needs structure about around We that of the be and more around to bank a organized various company client the We York we kind to really the the Florida became if organized be
functionalized. more have line reorged company, front the be we to the So
Corresponding there's line, was CRE business so So and to a reorg lines. that business line, front everything a reorg C&I of complete business that supports a small those on.
a other it's client agreed function credit whether responding any have get that supports effective to realigned well. needs. much you doing In So more that, as them staff or at function
of your service dramatically. up speed goes speed origination, of Your
it's cost There doing So a client benefits to other experience. great are that.
them doing different regulatory And just examinations, have you the you bank. that company there lot quality that when where different that's that there There lot things as different and obviously in of appear. make end So that from. little or a in that's parts there coming doing are then things there's you happen, are pods of front. or different good places of regulatory to that when -- of are them a bit is in have Because inefficient business is same line, million the where company, structure. the parts on not finding $XX and ways, the very bring one the are there audits when consolidate that And parts into a When up different doing errors suffers, benefit little you the cost of slightly in a thing cracks benefits is well.
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are continuing technology. continuing to talent. in in absolutely We invest We're to invest
that on freezes hire expect but that And like other a now. right for that having -- net doing through that when there very this. basis, a net hiring We to are a you often, things large open are will we're they're doing reduction, we mean of positions see companies doesn't while hiring silly things -- lot and do
of Like next So bank. said, by of comprise already, the the benefits projects this to of you will created quarter has on this end some executing our have to X.X done numbers over a BankUnited starting are be quarters. and the lot this the year. expected creep we started that into All excitement see within next of few every I
a the not it talk With So about of and questions. and over is to year. turn deal. And all long-term Tom I'm baked Leslie of numbers, of achieved. in to basically of is by year and very all But we'll that, the take little get rest this this next end is to XXXX, into This then then quarter. this the going will all actually this, your more some
