earnings both you, morning, loan everyone. most as was growth. net provide expectations as and financial by and deposit summary fourth exceeded Thank a well strong margin our and Slides quarter a good results. highlighted X The our X, recent and X of interest Archie, that
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Slides Turning XX. now to and XX
ACL total total $X.X of net million Our resulted loan was basis both the growth period. that This allowance, resulted were funded $XXX model driven and was expense and of during period. ACL charge-offs loans. includes and Provision X.XX% of the XX a expense total an which in provision by million in which unfunded for reserves primarily points
of half those have about prior However, reserved in for periods. charge-offs been
termination other foreign driver that of mutually NPAs XX points. was credit agreed this trends, The single assets. held steady total of to recorded a basis of largest increase to balances In total was exchange transaction. classified upon asset X.XX% related increased asset a the our Additionally, to following assets at
during million $XX item, Excluding assets declined this classified quarter. the
coverage ACL slightly. Our decreased
reflects have our we coverage that believe or responds in relatively a expect losses future the will increase conservatively changes ACL model flat portfolio. from our to we our macroeconomic to to build in However, environment. slightly continue modeled We remain as we periods that anticipate the reserve
ratios on as targets. been the excess of and Capital XX to have XX and reported. compared shown X.XX% remain ratio the Absent and AOCI, minimums in as from X.XX% internal Finally, regulatory Slides impact TCE would
$XX.XX. value Our slightly book to decreased tangible
total return through our period to with returned common shareholder during our dividend. earnings Our shareholders strong remains the of the XX%
Archie I'll capital We and an our to evaluate to attractive maintain that return over support to on commitment now shareholders, Archie? for outlook. some it our comments commitment. provide back to turn continue our we that actions
