off First and warmer and incredible shareholders to saying a welcome and me the supported deeply Bryan. am provided you I grateful they Chief serve believed company from I like excited I to everyone am Officer. about honored all to morning I’m today. Financial start asked Thank by I Good you as foundation along have with that the has our to have am be our I’d for the all. of you to so company. not the the Horizon for encouraged, am excited in team. thankful me future way. this could
Now starting returns. our net in with which in highlights the the strength quarter interest some of Overall, already core on income solid covered. which and Bryan Slide improvement and reflect X, has a provides capital of results continued quality credit quarter,
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end our year. target the of net We $XXX in $XXX have by annualized achieved this against rate savings million of annualized million run
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single mortgage companies. PPP to percent low and loans digit growth We excluding expect
in changes we be fee relatively to anticipate tied range additional resilient expect results pricing mid Regarding to seasonality. in non-interest income income, we our announced fixed previously business, income down single our digit the while with and decreases NSF
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be we grade outlook, X.X% CET-X positive year migration reserve modestly calls with On in outlook to to our as outflows full expect stable to capital, with charge-offs to continued remain range. near XX% up ratio Our credit the the for term. and
very growth business to performance set, capitalize deliver underlying our diversified we with our Given for to value dynamics model feel recent strong well product expanded on positioned our and enhanced shareholders.
rates. we to well economic higher Slide outlook model, for opportunities the landscape believe balance Finally, franchise, business XX, the particularly and diversified positioned we given are turning capitalize to improving on of and highly our attractive asset-sensitive sheet
our are well Beyond we to to opportunities. system synergies expenses pivot and capital revenue higher well as conversion, capture to positioned upcoming investments growth continue additional as
support committed remain drive our investments of and efficiencies. making to associates to also further dynamic and needs prudent the clients We digital
improve term As to the we prudently overall returns work deliver and and to continue we we attractive positioned manage profile and our into actively believe well capital are to balance risk, sheet near future.
turn will I it Now back to Bryan.
