and out Mitch, look good thank our phase so at in rolled Yeah, we many is that the morning, first efforts you, this Yeah, QX, when efficiency phases. of Jennifer. we
not done. We are
we at more ratio, And efficient. ways the it and because continue We to expenses. both look at encompasses be efficiency growth looking like revenue to
point, there We think some so, we - overcome revenue. are of headwinds your to that we And on still sort is there think them. can some
we're We're that positioned built how balance continues QX grow reality. that's we that look revenue about be of to in the stabilizing to at to started a sheet. see As opportunity optimistic what margin be to the we growth, for off going
a we now, of noninterest it tailwinds have But strength it. still can pushing mortgage coupled to in When stabilized volatile. will right Again, be that growth revenue. continues with mortgage help know lot income, So production. a we all mortgage some lift margin has look at
is it loan our Aside from or mortgage for going We in growth opportunities on got though, revenue That's some to we be feel fee of fees fees. we've whether deposit an the some there's collection that commercial-oriented there. opportunity income that the more front. some feel side,
close them, expect we're locations On really X markets that opportunity our to focus in we side, - But the disrupt XXXX to ways expenses, that occupancy end-market is think is looking things not is couple comes expense expenses: and to of take whether and an branches you more really should will branches, when help service. are benefits, we're where continue at we expense initiatives our customer of the trying to QX us locations in footprint salaries, why and to our we through consolidations. them our employee A look line look reduce taking the that multiple there That's evaluating average noninterest are multiple size have largest items coming branches. have increase in equipment. and the that to and the the we we our that of out the see are on and at consolidate
an processing. The have And with this some do to renegotiation year opportunity line our data core is third largest item do provider. we
We phases level We that concessions of quantify it. in can't early are expecting some We're that in the of expense. now. right
equipment, employee on and done we've opportunity should of data you So, expect occupancy we what and well in of processing. more as an as types initiatives around look those benefits, at salaries when QX,
just acquisition? - to more on do still our would just appetite I Mitch, want questions address more So to say to or, come question you about efficiency there's for ratio. want and Mitch, any work you the to do
