Thanks, Jim.
Turning stability to can our highlights balance our continued capital Slide in which our see X, sheet, position. quarter second liquidity and you
the of again last over balance loan us organically the has Our fund deposit sheet to close reflects year on CapStar Total borrowings the growth X. while growth holding April also transaction allowed flat.
Additionally, to we value year. per share grow tangible last our over XX% were the book able of
its CETX essentially relative in addition despite retained with our our the was the size CapStar of unchanged the closing earnings quarter, capital ratio Given strong and neutral, deal.
will a accrete faster most combination pace profile the through we better-than-peer capital that expect at of XX% to a continue We ratio. payout and a dividend return than
to deposit runoff approximately ratio million due planned up CapStar. at Our of ticked $XXX loan-to-deposit modestly
CapStar. X, to total growth the back continue Our liquidity portfolio positions in of loan attributable trend show to enter and us half which grew loans billion, capital with strong we well we $X.X yields. levels and Total Slide as provide a billion the $X.X foundation, XXXX.
On
risk-adjusted prices annualized loans grew that from last our requirements. We quarter, with total X.X% meet structure full in expectations. return our and relationships line CapStar, remain on at Excluding focused
of XXXX.
The will range in expectation income that grow mid-X% the the in support range rates production New loan net investment high remainder marginal costs interest and X% our the modestly funding for duration in increased improved which Overall, unchanged. CapStar our values due quarter portfolio total the and the Shortly yields. effectively portfolio closing, fair repositioned after X% investments, CapStar were transaction. to we
basis As we money $X.X in points in back have above XXX we've continue past over yields cash next approximately book mentioned months. to yields, and run billion calls, the flows new expected XX
Moving to show deposits trend our in billion, $X.X Slide total X. with attributable to which $X.X billion We grew CapStar.
of we closing. at million cost approximately As $XXX earlier, higher mentioned ran CapStar intentionally of deposits out
fund in and Excluding and CapStar, with seasonal by a normal X.X% offset increases. annualized grew deposits, commercial broker outflows total deposits deposit retail public
upward as income income the end peer our noninterest-bearing point compared driving Our basis our increase quarter, we net well rates we of and provides below total mix.
Slide percentage reported to CapStar million strategy, X total charges remain broker deposit the deposits prior are provision in see items: We a XX respect with million day of deposits of are merger-related applicable levels. We leveled the remain points following That a X.X% did with deposit X expense. approximately pleased quarter with which and over per spot quarter, deposit of rate June and that at share. course the of were $XX and execution at in X basis basis steady with Overall, consistent include both pretax to earnings said, XX. million or out costs points $XX was common the pressure. XXX our to the non-PCD statement. $X.XX shares GAAP believe $XXX stabilizing CECL and cost Reported we of
these $X.XX. items, adjusted Excluding earnings per our was share
to interest and margin. Moving than margin higher better our net asset Slide slightly yields present income primarily Spread due accretion. of on details forecast, revenue to and We and both were XX.
competitive trends essentially advantage. pace million maintaining a again generation, remains while was $X asset in Slide XX, Our we we growth with kept low of low with total for funding.
On total million. CapStar cost deposit a show income, quarter, XXX noninterest that points cost which showed deposit the contributing Year-over-year, of adjusted key $XX basis
very in our show capital fees credit Expenses loan remain of portfolios. points decreased in markets more and adjusted points with nonperforming XX, low and with basis quarter, of our consumer reflecting and line fee guidance the the to we pipelines, net which trends returning and loans. were X well primary normalized with the XX and $XX The excluding related $XXX commercial stable in remains expectations, bank well, with trend stable, production from performed XX mortgage expenses ratio seasonality line delinquency noninterest our both for and basis basis points. controlled.
On to levels.
Continuing we Our basis contributing to the our X and quality ratio were businesses million Slide in Slide remains present charge-offs XX, Total a PCD CapStar improvements points, modest benefiting million.
basis on reserve scenario XXX basis now to credit SX basis to is points, quarter. XXX our commitments, stands total XXX%. was quarter also at no acquired total up Moody's assumptions losses second changes metrics and XX points to material for unfunded from plus mentioning the on presents Our allowance worth X for remains that to model credit remaining key including loans allowance prior for relative losses were the awaiting the our loans It points.
Slide credit loans, discount There peers.
below As charge-off you but monitoring can delinquency credit periods peer of see, of are our time. that above long proactive approach and levels averages over peer well to has ratios to NPLs, led
in we on Slide we to and believe remaining this practiced the presentation.
I'll disclosure in CRE turn it enhanced results XX. themselves. have Mark have long conservatism quarter's We focus, speak With for here, over
