everyone. it for can Thank things Leslie, as call, us same joining of What And was Welcome, thing. I week saying if are with to an the Leslie are X so she of basically JPMorgan, I . generally bank been guide to the hot are for? me earnings topics, you, In are Susan. for what Thank but not like one -- me of did investors looking are think for call. that for X this usually before e-mail us, forwarded ask might what sell-side investors kind like analysts, this time preparation mind. or you a our looking from have the I specifically the top things
straight sort (this try to NIM trends, stability, inflation, banks). comments, credit point really I'm bullet And So few answer was last losses, in expense larger The things were things and go deposit unrealized to going management. both inflows, the and of in my them. those to applies that regulatory order, pricing
out to let's It's out. came the couple straight state, those than get them that, earnings. going what's the But and I'm So rather big are in where talk numbers for you try hours, our been read have to topics, directly. about reverse probably of a just
basis X NIM, to from by points increased NIM our X.XX% X.XX%.
our first back from gone go last NIM we that, quarter down Just quarter, for context, while had second quarter. to told you if you
quarter was Second flat X.XX%. month every was pretty
quarter, we This up. went
look to and now, to go back Jan or Feb March, from January to Feb, NIM was you March April, if So declining.
months up. now after the for that, it's the then months, gone next was it And And X for X flat.
happening curve can predict keep in modest safely few we improvement So think that I that this it's months. like, will created nice I a the and next
we quarter, little this Again, about question. next than noninterest more the by million grew of $XX deposits grew brokered. outside DDA even $XXX a and grew We is million. in stability Deposit
Where stabilize is? total to know NIDDA the all I years, think deposits percentage? of terms be in of over been will XX%. never been the where X ratio like DDA or what is last long-term will about stabilize. times at rate stable -- do course able things to very done, Our that question X question I've sort the is of many, honest, when and And to asked answer many said you you this don't I've because run that what
last that, at get to But this I'm to think several there. just in now being looking there not beginning data, the we're close saying but I confident months, for quarter this for or
So, if I that or think don't to we be that this, X ratio ] well. the [ on which another this able be quarter seems of we bottoming will to I declare get as
few say should try of And over very quarters. charge-offs, again, quickly, and trends, there above from X points. and again there, basis actually improve low we next the course that we Credit at to XX% net the get
I points, think basis quarter, were last maybe basis remember, at NPAs right? X XX points. are they I
out guarantee that's about basis portion, XX carve points the you If XX. SBA of that
pretty than but that last lower were low. they're They quarter, kind that out bouncing about still So region. in of slightly
little about a think. it think. I Unrealized quarter, XXX, better came in XXX was XXX, of losses And at I that bit at is AOCI last
rates, what's Now obviously, few especially function happened to that's last the weeks. in of a
and we the on we delivered to flat, and think of we're think much you try to Expenses, I year, that for the that. pretty I keep half going expenses guided second
a which are add other things me few not. Let
question but you already report to for On the special really American Banker. regulatory don't that front, e-mail anything have the front regulatory I that banks, on really haven't said, the read in like I it's said, larger a
just million, to push that will out was while over of gotten to make Loans, to overweighted XX%. point down we even go in million. a XXX%, Resi sheet because were securities CRE to million CRE, we rest within down roughly up taking I $XXX deposit did was $XXX C&I. Resi growth loans up down came actually of about quickly the of XX%. $XXX noncore we're The Overall, you, balance that in C&I down XX%. that. was said like we've C&I
we have if need like transactional we have been We we're push it what terms that, would business. getting much feel out So of done to done in higher. with not
good So forward. looking feeling pretty
over were off Actually, $XXX Brokered paid little now a paid we stand last of million. year. the FHLB, we balances CDs little FHLB they end $XXX million. off lower a than over at
down perspective, feel to sheet good balance a we from from last loan-to-deposit XX% quarter. has XX% ratio So gone pretty
And as we down much have, slightly PPNR balance despite taking sheet was the up. as our
up quarter. about slowdown because, quarter like points. the a good may meaningfully recession, will happen. a way to have if pretty seem out. built be be has ACL We XX does basis slow it that's quite mild don't to but soft X, to know lot coming, The is landing, the feeling economy was a I'm when for quarter turned down. but did or we a And the done just in something Fed reserves So this it's and it's or it And X ready hopefully, we a it.
So we did build reserves up.
the on built of statement it you a Most make reserve run of when our to numbers, this. of the than that contributed X our or really quick provision. And half outlook got worse. comment through A on Moody's I more that environment. was always because
rate the economy on rate I'll all and think I X. side, about regulatory, talk
think it a opinion to but much couple is move surprised a done. Fed. doing meetings, for market I I I of is And little more would be Maybe there Fed personal think feels my side, rate is, if from in has wanted the inflected. they do, the Whatever that is story the them. On movement another like the
reading more the cash from The how economy consumer done But is buildup depleting and fine. the the more along pretty still much is pandemic. coming about of
signs cracking. careful to see and the any So being of on we're very economy vigilant
banks eventually, to think front, regulatory a more. range in happen for about. is some. the It will we're us. effect reading some see that impacts we will I the that million $XXX be lot trickle-down lot all a trillion about There on to And obviously
basis, And little the regulatory it's anybody don't a So, on to be more is the front front. in there being deal will a I everything little I fine overplayed. all a day-to-day regulatory have we But think but yes, burden unreasonable. with. I think that think is sometimes on
on I that, with piece No, these wrote things missing of a anything. paper. down So I'm just
So turn this I'll and their Leslie through Tom But talking they joining interrupt to for and stuff. jump are Tom. us. as you over in once I'll again, thank
