Jim. Thanks,
sheet balance quarter our to on Slide end X. Turning
this challenging We continue to operating environment. navigate effectively
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expectations. loans Slide share AOCI non-relationship X%, strong as grew $XXX look while Our tangible at excluding lending banking book regulatory with per full of relationships. our impact.
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sales, portfolio Excluding the these increased and with the in duration expectations $X.X be loan over billion The months. remained Cash to at steady loans the total from X.X%. investment next our flows are XX declined expected $X.X portfolio line
costs were deposit on deposits Slide public for deposit including equates deposits, to of a deposits trend trend approximately All total business billion, normal posted Moving mostly X.XX%.
Total our pressure X lines albeit products.
Noninterest-bearing declines Growth costs to percentage by X.XX% and XX% growth upward total higher-yielding came very in million to X. deposit and experience which points XX%. a this to cycle-to-date continue as time with continue deposit and a total of show from migration in We a of client solid increased quarter to categories, at in at $XXX $X deposit end, seasonal anticipate noninterest-bearing slower Market quarter, money our fund was inflows. put XX of interest-bearing basis near term, market acquisition. to the conditions of pace. low continue which deposits, offset the the we up rates to downward which beta
cost can maintain to have are our confident challenging it's estimate advantage strong rates we of remainder a beta, While of deposit the the cycle. we through the rate managing history and terminal
$X million merger-related million or and applicable our income common those charges, these We GAAP to to are income adjusted earnings earnings we excluding $XXX provides highly deepen statement. in $X.XX. share include Our reported at deposit of promotions expand working in and per end our per have bringing pretax been X clients, was Reported successful shares relationships.
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deposit than noninterest declines rates to points both considerable XX at late-cycle XX XXX should better anticipate billion pricing over approximately expected, yields. We to fixed approximately and NII As a NIM. adjusted led $X.X was the modest offset next to shows million in trends for $XX deposit the repriced income, This loans basis rate months, repricing.
Slide provide in be which runoff quarter. in reinvestment
slight businesses performed primary our a in All mortgage as with uptick expected fee seasonal of revenue.
reflecting the Continuing remain ratio These efficiency present show our normalized generational range. line XX.X%. the adjusted client million, were expenses. Delinquencies with points related were to points, XX challenges Adjusted succession. a our noninterest long-term guidance.
On basis adjusted Slide quality we of results $XXX single was management Slide which both stable, XX, in within low in loan both our with we our generally charge-offs and C&I trends, were our were Net suffered operational a consumer to following commercial and a QX trends and trend XX XX, portfolios. that credit and basis expenses nonperforming
unchanged XXX largely and allowance, for at third including the basis unfunded Our was quarter. points quarter commitments, loans $XXX reserve of from or prior stands million total
economy, XX, performance should consistent model further portfolio. which on our already details Slide scenario, you reflect assumptions loan see Moody's growth.
Shifting build of of focus reserve loan with areas material and key in limit to S-X to the reserve the will Our slowdown a portfolio
the districts. outstandings We have in portfolio in X% office material with total no change business our less than central of located
examination over Our above XX credit this from credits fixed to ongoing part shortly par of next total limited provide mandated management, to continues recent of following did well.
We these our CRE has we force exposure Slide average of a X% exit to maturities perform shared quarter able announcement.
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portfolio that refinance details risk exposure the in We commercial continue minimal.
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production capital lower XX, our client present new granular exceptionally this exposure long this Please at on full to improvements quarter Slide franchise-leading and focus of average of relationships a Slide reduced modest the ratios quarter. X.X% compared tenured. capital driven the at XX.X% slightly deposits last a which in our which demand all we in we loan only regulatory obtaining broker TCE requests.
On which provide AOCI. decline and reflect rate-related ratio, insights the with quarter of our XX, into of total comprehensive and position end stands is overview Our further banking observed in our we base, pipeline deposit moderating deposit our and by We was note, quarter.
On industry increases
payout return common in a average our with should than dividend ratio on tangible accreting peer coupled OMV capital at peer equity, above Our result faster rate most.
XX% anticipate the our end third we the our to AOCI by of strong our summary, of capital accrete quarter XXXX.
In outstanding expectations. exceeded Additionally, performance
core mix has a income. growth, of We interest which better-than-expected our have funding and improved the balance sheet deposit net better led to with efficiency strong
base while We our expand our peer-leading maintaining demonstrate continue to to customer costs. deposit ability
of lending to take positions well advantage strong opportunities. Our liquidity new us also
year-end, our strategy stable our thoughts deposit of for to X% anticipated XX.X%.
Slide evident quarter on no XX%. QX or our in XX industry adjusted This upward XX% the expecting our in quarterly credit should of year-over-year portfolio pipeline anticipate remainder than growth decline growth ratio guidance support approach a fourth to XXXX. NII noninterest-bearing the and execution success includes remains exceed and XX% Our believe deposits Fed equates efficiency range. increase, to to our from the of single-digit to disciplined meet growth. fourth managing in updated a outlook which our year-over-year X% a our We beta slight and deposit falling of expenses quarter.
We're through-the-cycle current QX, actions, in interest-bearing XX% a in guide We expect assumes additional in is the revision low by continued
both we remain and investments as bullish stable areas on patterns. We fee with seasonal typical businesses in to wealth Longer momentum. expect be TM build term, these our
quarter related expense variability limited consistent against for be continue and loan Provision the some charge-offs reserves as should PCD expense portfolio with book. have outlook to excluding charges to fourth merger-related growth, accruals. should the incentive non-PCD potential be adequate we we QX, to Our with believe
to taxes. Turning
and and expect Sander, the call tax your the of team XX% a John basis.
With We tax basis in with a on credit available, a to questions. I'd of Mark for $X approximately million amortization We the Jim like XXXX full do have GAAP effective including comments, for open those corresponding Moran. FTE Sandgren XX% core on year remainder rate full
