on balance in sheet, quarter X, Beginning Slide highlights and present we our positions. liquidity Jim. both Thanks, fourth improvements capital which
largely we to most the Our price fourth small in organically that grew execute a we and XX% meets better-than-peer and in as of year due growth capital present increased book did Overall, per yields. our us the deposits.
We investment The our deposit risk-adjusted we fair a in to quarter levels on our and in a of full capital return growth a our with Slide peer growth at X, to in XX% us AOCI. profile has of inside offense XX% improvements one fund year. XX.X%, and loss share relationships on through our to at an at value our strong CETX the continue loan accrete due trade values. broker XXXX, return begin our XXXX.
On ended only continue back loans a Tangible remain wholesale payout borrowings performance securities allowed improvement the stay changes quarter, and million and portfolio combination strengthens expectations, and to QX pace line Please portfolio in of ratio ratio. earn $XX earnings we allowed to and position produce faster we requirements. and core during with and total loan structure focused and with year-over-year than Total note that on trend the grew quarter-over-quarter strong liquidity
in quarter-over-quarter, outflows which fund a Moving including to public $XXX Slide million and X, $XXX broker of we million in deposits, deposits. decrease show stable our trend total seasonal normal were
deposits and peers.
We through deposits well X.X%, promotions. experienced of market which broker strong personal in largely a money is as Our growth and both CD is accounts below now total percentage business
New continues acquisition attrition. checking strong and account outpace to was
higher-yielding However, products growth the in category. migration impact this to to continues
provides net applicable costs.
Slide income peer our GAAP or to shares quarter share. XX income include $XXX following pretax common a million the only of reported $XX.X the strategy deposit to earnings led was our We costs end marked statement. $X points, in per the month the higher on points Reported in than for We $X.XX charge above have and with growth of merger-related deceleration sale upward we pressure million Total peer are Overall, X million January. December Class termination well gain seen deposit into still experiencing rates, a in special as are charges $X million as charge. $XX.X has quarter of million on basis pleased basis of we exceptionally but the B that shares Visa QX and average. for at deposit cost our assessment, below items: deposit FDIC contract the execution XXX deposit a a
Excluding per our share earnings these items, adjusted was $X.XX.
Slide our details we to XX, margin. on of and interest income Moving present net
modest both net declines and to As expected, deposit interest repricing margin. in income led
in production ] X.XX% [ of out should that loan million bottom trends expectation noninterest net the funding XX New $XX in marginal costs and for in rates our was adjusted income, interest support shows low the range QX.
Slide quarter. X% which
tax line $X excluding year-to-date businesses our to expected, performance-driven noninterest investments. in QX with the true-up incentive performed of and generally million Slide adjusted $XX which revenue.
Continuing primary XX, as All mortgage lower expenses, of million credit seasonally our were fee show of higher guidance, trend amortization with accrual in we in
plan costs incentive to to tied XXXX was deposit relative our and peers. growth Our midsized
due the critical our incentives.
The tax higher project completion timing was corresponding categories the was record offset in outperformance drove Our and amortization ultimately both expense. to year charge tax credit of to with these in
credit present core both quarter.
On our While earnings, points. nonperforming not ratios a Slide portfolios. within of do both quality basis are are basis low we loan PCD charge-offs first our of these rate and into Non-PCD charge-offs them and XX, commercial stable, obviously the remained expect net points trends, X unchanged. largely items Delinquency we reflecting to run which consumer with X were
our to fourth Our reserve and TCE our strong quarter. all including were basis on improvements XX, allowance, and provide by no AOCI. in ratio and commitments remains ] the we weighting the and XXX%.
On at the material We of for XX% the unfunded scenario capital increase our at capital end model Moody's was improvements overview of SX earnings assumptions points, there Slide quarter in [ by a unchanged an at driven XXX changes ratios observed position assisted in regulatory comprehensive
common we our XX% accrete anticipate performance AOCI the year record XXXX.
In equity was an industry. for of our to tangible a our efficiency end summary, full in in QX, fourth and quarter additional and to a year performance of metrics, a capital we in critical XX% year what with pleased to ratio. our challenging EPS, outstanding XXXX by on recovery return be of including Following adjusted number very proved are
mix interest have led balance core and strong to income. net the deposit funding better-than-expected our efficiency with We of sheet growth, has which improved better
base customer our continue demonstrate our peer-leading expand to ability deposit We maintaining costs. to while
managing X% guidance. the begin assumptions increase remain flat of The liquidity stable our year strong expected detail approximately ratio to our is take listed I drivers. The highlight is of credit portfolio and well slide, all adjusted Our income our additional the are approach full would us in opportunities. on to positions the position half includes but to advantage fall primary to rate evident back QX efficiency few and lending QX, interest the on expenses remains in XX then also XX.X%.
Slide net and in NII in of a new risk of disciplined year.
back rate consistent half the three guidance. the First, we assumed with cuts in Fed
deposit late-cycle that will by XX% us give falls a mix by XX% additional to Second, we terminal that of repricing and are beta deposit noninterest-bearing anticipating a midyear year-end.
as of the us. for the the we scenario, all pipeline industry exceed run rate end the our XX%.
We current in rate full at remaining from strategy XX Lastly, support most XXXX. deposit including execution full thoughts of the growth on curve our and the neutral rate have quarter cut and believe anticipate end for X% partnership outlook our rate and the with of guidance scenario.
Slide believe We behind of a X success forward cuts the year closing to QX.
We of XXXX, meet QX. CapStar continued first our not first CapStar items was X we well did to approach work achieve Also, assumes balance and the and a at the we the includes different X% we position of in of quarter result loan or should this positioned materially the assume closes year risk growth cycle expect to our sheet range in end to XX% growth
up QX QX year with the We consistent patterns. to with with the income noninterest expect full X% to X% be seasonal typical
$XXX expense base for tax of outlook modestly than $XXX million, be credit true-up approximately which incentive higher excludes million, the quarter Our and the should our first QX impact.
approximately $XX to $X expect count day For Net XXXX. are associated expense XX over just to full This double to charge-offs the non-PCD with provision be the billion. million million basis full XX the we and expenses excludes of year, between expected acquisition. year $XX should points the for range one
first taxes, the call your on full approximately full a have basis of those we a like We Sandgren Mark effective and and open year GAAP basis.
With and rate up to Turning tax team core both quarter to Jim Sander, I'd XX% XX% FTE available, do comments, John the expect on for questions. a including Moran.