X. on $XX our while was business commercial and diversified to businesses of $XXX Slide excluding to loan when growth million or commitments Thank to with draws of by you, billion, Growth previously was the across Similar related million for CRE growth function million and multiple like million led growth and with $XXX of $XXX again at ended growth industries seen C&I of Total Kevin. mentioned level would growth begin reflecting was the lines. move existing quarter held sale. quarter I balances low as payoffs, C&I first respectively. CRE to and loan $XXX last a
a C&I increase than longer a originated our looking is higher an C&I of the utilization rate existing associated with period, When utilization from function quarter-over-quarter, out When newly increase examining customers. our credits draws increasing a rather in any rate not emergency utilization utilization of or of our meaningful market is a shifted larger the changing mix, lending see which function disruption. recent changes has result We did clients. as to over
credit We core are market commercial judiciously gain most to new to and share attractive our serve also our business in clients originating lines.
growth as describe elevated index as due will the at Overall ensuring remain through pace and We to levels. are of we originated also spreads expect returns of muted our progresses. loans decline to attractive shown year later, remain activity pipelines the and transaction to as Kevin XXXX relative risk adjusted to lower core activity mindful loan which new are
and saw with X. business continued contributing deposit in Slide million both deposit Core to the balances grew commercial $XXX we a lines increase quarter-over-quarter to and Turning production consumer growth.
banking our While March events resilient. the the environment, created uncertainty in monetary policy of relationship pressure continued the approach proved model be to current to to balances and banking
liquidity the non-interest bearing M&A of pressures Looking environment. the at the consumers balances, higher extent composition normal decline commercial between the deposits and two shifted an a types. in a change from rate million to The were of quarter-over-quarter, cash lesser $XXX as interrelated down account CD's the increase were quarterly deployment, in in and seasonality, continued byproduct excess
broker was a in proactively the touch in primarily which result I deposits of approach source increase will late the on to moment. a funding conservative quarter, in additional Our
first through increased equates to points look our total cost to deposit quarter at we XX% QX. beta date cycle which deposits X.XX%, a rates, approximately As of basis in to deposit XX of the average
as in date well pricing on in costs deposit To deposit a the deposit bearing impacted lags costs. Our core manner as were evolved interest generally decline and by is betas pricing anticipated expectations. consistent DDA our with
FOMC low to biased However, appears above recent be in an with result that track the hold at in or along X% cycle betas through trends XX% area. remixing to will likely which the
quarter, into balance stable deposit taking to the core within our Kevin month trends remain Slide relatively deposit Moving mentioned as of March. balances throughout previously, closer the a look X,
augment maintain the and short of of federal contingent balances broker Bank proactively to early as and take However, and homeland pledge currently notice. immediately the Reserve Federal March Loan sources, available borrowings. funds a in well across sources To bank collateral further precautionary over we Federal increased $XX within to we of XXth, be we continue built through we billion did Home and additional deposits use to includes up as contingent our expect set as liquidity cash which of diverse available liquidity funds April measures
additional X, as supports see stability our And we experienced relationship which deposit recent core which slides the you composition X weeks. up centric can details the and base the our portfolio added of we and split in we highlights around
or I an commercial and both focus our deposits, to the industry insured, through collateralized, relationships. of client types deposits consumer would as by simply XX% could our long as you are Looking see account the key to And uninsured over the that our deposits, characteristics tenure diversity be across insured existing either can well the capacity. balances of of our our switching given ICS around highlight of of
an growth decline Now supported interest of in was quarter quarter-over-quarter, rates. and The the balances asset first count. continued as and of months. X% well asset one of sheet was approximately to last the XX balance our year-over-year $X loan versus sheet of day quarter, $XXX at NII sensitive lower with both of year million looking associated our increase the like negatively as ago XX. was from a the by income XX% by Slide benefit million from balance The Net QX. side increase benefits impacted to When substantial higher
evident during cash environment quarter. cash to thus quarters. basis However, the within stabilized, as previously NIB same normalized a dynamics deposit is our the combined the remixing with lags in in should serving higher them And on balances towards more Those with working are as quarter. QX, reverse were I the back served approximately impact balances portfolio to we pricing notable margin for we by NIM headwind the the also two at cyclical associated as for looked spoke weigh points deposit as the the coming and
to QX, continue forward expect to we Looking NII pressured. be to
the for in as occurred declines full Specifically, we a expected our of QX the resulting guidance. price headwind The deposit to deposit quarter lead continued mix that quarter from by see the to as lags. relative year is of stability first consistent the well year will with followed of NII headwinds full remainder impact shift combination in these the
million non-interest $XX up Slide quarter million up of XX from million, shows adjusted the previous revenue total $XXX year-over-year. and $XX
the XX% and to XXXX. The This mortgage year-over-year. for quarter's performance excluding core income have income our franchise elevated fee even we experienced fee in mortgage is environment performance client history, speaks increasing accounting investments the XXXX highest we the made adjusted across with recent in
continues to Our products revenue to wealth streams equity market. diversity what continues strong despite year-over-year including growth. XX% grew The wealth challenging a our drive short management liquidity term of franchise management be
markets grow Capital product the as $XX signs year-over-year. market offerings well commercial recognize that through with Syndication this of management expansion interest line as million, the business. on of our fees quarter. rate of to a strongest XXX% our drove also a strong Further enhanced increase franchise continues quarter record products and revenue middle
approval by from through QX slower remainder changes to investment. as core for of look with client activity capital market impact Total implement economic the was revenue our consumer we decline income QX to fees $XX and a will onetime impacted million our associated we do XXXX we to of As expect regulatory products. begin non-interest Qualpay fee also levels benefit the checking
expense down million, million $XXX $XX up Moving total million on the from XX to and adjusted Slide increase. of noninterest representing expenses. year-over-year, highlights a prior $X quarter X%
expenses to lower When expenses costs. offset costs adjusted in Increases growth quarter-over-quarter, operating expense personnel core planned by in healthcare controlled look managed. increases year-over-year increase in expenses, our and we seasonal well rate attributable and costs FDIC the is the three FDIC performance-related and initiatives expansion segmenting were As and healthcare guidance mass associated investments for buckets year: third, we new core our assessment provided with operating in our CIB; the as and business such of expenses, and our second, costs. in first, workforce; including were and
continues are with expense of Our Total base. that highlight through XX.X% these efficiency held a expense impacted non-interest growing for $XX to increases loans first negatively adjusted the sale. revenue by supported was million our move associated quarter of to loss ratio third-party
ACL the on performance quarter, the to forecasted Slide portfolio. In overall to X.XX%, and offset finished quarter $XXX of to and of recent modest Overall, X.XX%, two credit total quarter. strong economic XXXX negatively was and basis of of credit The the by our or from the classified remained The ACL in strong. ratio, Moving quality the originations loans. loans, our ratio scenarios increase impacted million X.XX% the points XXXX X.XX% a performance the XX deterioration and ratio fourth continuing quality. in moved the criticized net at credit ratio charge-off first of NPL
metrics do the quality we strength continue have confidence environment, economic to portfolio. we additional due credit of While and the on in pressure to our expect
the loan portfolio. of the of to be loan exhaustive the for and recession-sensitive vigilant continue We portfolio not and entirety while utilize only underwriting book these sector, more parameters market for we but rigorous monitoring analysis, components our and
see the of have primarily low modern office our sector, secured our will and office trends. that on Given included color is is rollover medical, the footprint's portfolio appendix. lease What properties in with additional in risks market reflective book increased and the maturity an superior we by office interest you
to common As X noted the X.XX%. Tier on XX, ratio Slide equity increased
we meet continuing earnings what quarter in activity grow be repurchase of to to had more sufficient in the and supported core CETX Within sheet solid our regulatory first share balance continued was growth. prudent. the than environment, We capital core to believe economic which generation, quarter, uncertain ratio no the that robust is light and
to done continue capital last our term while in core we several generated support the retaining will position. for As earnings bolstering focus our the quarters, on near to sheet growth we've through balance
Declining from given a it X.XX%. in the improvement we portfolio While points OCI acknowledging it which our to, and the XX is levels primary growth our ended QX manage AFS that turn provided associated from benefited and I'll Kevin. increased also at earnings and market metric the not over current the TCE continued back capital quarter ratio, retention in rates worth hedges support. basis with environment to now
