thank Gary. you you, for today. call joining everyone, and our morning, Thank Good
$X.XX the share XXXX to per compared $X.XX was For Diluted for compared $X.XX EPS linked to earnings $X.XX third quarter, our for X to first months for diluted the improved XXXX. quarter. the of
for the a third to quarter. performance highlights compared on linked reflect we the few are quarter, our As here
expanded Our net expense points. stockholders' interest assets income Fee-based income Return improved compared X% average declined to margin equity to X%. for on the noninterest XX.X% improved improved and grew X%. from X.XX%. Return on to average net X basis interest quarter third X.XX% XX%. our Total
efficiency to June Our XX.X% improved our to $XXX of million Compared client increased compared deposit to with ratio $XXX XX, XX.X%. million growth. deposits over
value $XX.XX. Our X% share end, assets tangible quarter per improved to basis Compared value while our tangible to XX to points improved X.XX%. to to the grew book X% tangible book $XX.XX, equity our linked
capital regulatory paid. as compared linked the improved end, to Our ratios quarter earnings dividends exceeded
We compared also surpassed of were third EPS $X.XX $X.XX. consensus to which our diluted for quarter, the for reported results estimates
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was XX.X% XX.X% quarter portfolio the XX. at at delinquency loan a our was June of portion Our XX, September to current with compared comparable considered to prior
material and changes loan metropolitan of million accounting on the for portfolio risk-based of markets. XX% is geographic no balances risk total loan estate this quarter. regulatory total $XXX core the under well Most peer the prudently third during estate real XXX% portfolio in segment capital.
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During population rate include -- growth X.X%; of notable total Other rental highlights: Average land of balances office these markets annualized income notable X.X%. quarter, development the concentrations at growth X.X% X.X% following growth in job end, other economic of X.X%; X.XX%. of of at indicators and at X.XX%; contribution growth showed quarter hospitality the third median household and at loan
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order vendor to within to strategic some large decision We focus the in channels increase made have relationships broker eliminate division. this also lending a core the on and
industry to national [indiscernible]. also in and on have have types, charge-offs, and our back portfolio increased industries Finally, noted, activity leasing we respect pulled equipment in as we with certain and delinquency both
had business, our outstanding combined and to XX.
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net loan also charge-offs indirect they recent consumer increased in levels. Our have pre-pandemic quarters to as return
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third XX Our annualized net for higher basis commercial linked the quality points compared of while our represented annualized credit rate third net stable. charge-offs lease to quarter been for performance basis charge-off for quarter. XX rate the quarter points the the core was XX The points basis has
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We past our
as the the credit to of premiums ability due past a finance have and majority our loans premium carry receivables we increased, our While the these recover loans from cancel insurer. low risk
due expected to September carriers finance XX, $XX was the from have finance September where of proceeds leasing policies canceled. related past the past awaiting the been was we and appropriately of premium loans XX, $XX.X As due segments. at million million insurance that were premium on
paydowns. we a As loan impacted volume by of far balances, as high were
are XX% growth reductions balances At line real paydowns market. credit to quarter, estate in midsized annualized For and home commercial same commercial of we had the exceeded of new time, due a production. paydowns stabilized had our business These third the investment higher loan equity our as which by XX% the annualized increase driven than the are our $XXX in in being quarter, we the million leasing market highly during open balances. in activity in projects sale historical valued
for grow balances our We to commercial expect we healthy September fourth pipeline to XX. production have and loans quarter, the a compared for
Katie loans our I finance of channel include financial leasing by owner X%; loans and our also XX%; in were total were consumer comprised a and we commercial our estate premium business, quarter and real fixed remaining for our turn while our the the quarter will the primarily were loans and rate. loans, in reductions risk the XX% performance. residential tightening discussed of was earlier.
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