okay. X.XX%,
at relative that, the few healthy to things things very of still last the here But lot going it -- and year, relatively years, So as we then pretty portfolio. now the end and on. got quarter noisy quarter are into and year as January, say Can't there's into here. the line. loan top But the quiet again, has fourth been beneath a the the the
market and big remains the But would and cost at interest issue at the I point, we're the margins. with risk this the NIM in rates prospectively kind what general happens say in of looking interest flattish think change rates and of always underlying funds the compression. is the economy. I reasonably
As is dollar strong of The mentioned percentage I and remains allowance, earlier, benign. course, credit on basis. a
As assume noticed, considerably. expenses moderating you I are
the next think, decline in decline. I bulk few we think should we legal into the showing And third-party quarter, the this to weeks. near expenses end I be, as think should those get I are of And that accelerate. continue of
see and behind XXXX. more in likewise the costs the as company Justice that all moderating we are the regulators Department own those of we issues Our And legal costs have put again, then to bank, the with continued Again, the moderate. and durably. still
move some the we Department, do that that with the really compliance modest have shouldn't related ongoing but Although Justice needle reporting to we do costs and anywhere. the
for would kind for part I getting cuts going ourselves was But coming say amazing malaise fairly market, profitability. and the given expense real mitigate the that's put that the pressure going The was that just on general a say that are hindsight, markets and we on accomplished. all the in. that We that also markets find the help maintain in ability believe about margin we of the are.
In our our I uncertain economy, what do to what the a difficult is year. the forward to most put some with deal us we're period XXXX would sense what year will to opportunities us We in continues capital seeing
idea news. I is the we here noted. a the think point, But strategic markets, few this have at and the probably is was in today look these most to to Bank hard ago. assuredly not guaranteed that I forward as opportunity continue best work to the visions on Sterling future That years
our at are focus the that Our has. really very -- credit our our institution moderate those the among profile. we and maintaining for And probably next least in couple tangible is value, valuable believe book items -- the items here risk that X short on most the of liquidity quarters those risk run components
in And risk what an institution any for of just store the for general. inclined those. kind of to in not And see just the next we're of quarters and us couple so we'll industry have as
our relationship quiet, the regulatory very are On our and transparent with continues things be regulators. to very side,
I think side the remains very business modest.
up lending in we the to We Advantage do means, to do we careful again, being by Portfolio runoff in what Loan the any and very is going very haven't stopped hard where we keep but with. And always it. be are
They've point, tenure nothing. still $XXX my bank, the some $XXX million, some more in those million? at half next in but to than the cut they're at been pay So off
