I key joining through underlying XX details comments appreciate my I provide XX today. on everyone X, us outlined anchor Frank. takeaways Thank Pages our results. will fourth more you, the Page to for quarter
respectively, was XX.XX% efficiency X.XX%. ratio return NIM X.XX% items quarter to accretion ex our and compare Headline for and metrics efficiency favorably X.XX%, to peer continued and XX%. NIM ROE was adjusted of fourth Our an with notable group adjusted and and of ROA
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continue and to consecutive positive strong rail We utilization trends XX see quarter traction rates. in business the repricing of with solid quarters of another
by strong our increased We fees. international and and performance also in benefited flow, led syndication SVB deal to segments, which commercial from driven lending-related higher commercial
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compensation coming The amortization increase was driven higher expense revenue due strong bank. to benefit online, the costs. and incentive and several Equipment the year related also which increased higher for licensing by technology projects drove software to expenses due
future our in growth, our recent As strategic investments priorities, and to making are scalability periods. in support infrastructure Frank expenses our we operating which in have impacted noted
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new sheet. sequentially. General in experienced and $XXX to Global concentrated million, commercial the with loans in up Fund or loans, broad-based business the were Commercial while loans fundings We segments, grew loan payoffs. Commercial our continued outpaced attributable million Moving loans $XXX $XXX grew quarter performance and X.X% to by operating by driven by as growth Banking balance million $X.X by across paydowns and industry up ending draws strong verticals. Bank SVB our billion growth Bank
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technology and optimize to risk continue our We invest capabilities working to in and better platforms. are
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To The estimated our conclude, capital first quarter XXXX our both rate shareholders from institution. we returns large
enter As it our the the call. will we I'm question-and-answer to value for shareholders.
I about have of we turn the excited XXXX, over now portion for for instructions drive operator the continued to opportunities long-term
