more the on are call the an of major of to I'm for country. teams and morning you today. provide then Good our detail and of to provide Margie. thanks on from our an members for Marcy joining calling of traveling I and highlights financials. Marcy conference around all are us investor the have Thanks, and overview quarter, the going again,
had by So not $XX loan when the for organic On up areas capturing both growth our of suffer we any technical earning trends reported continuation please We're the and $X.XX some. stable which we about loan expenses we share and In quarter we negative in our be basis, most loan quality. with fourth that saw with us. earnings impact. this positive fourth difficulties. the growth notably solid per but we a any a a having asset in quarter, cost In have improved deposit Most quarter, I'm in West had improvement million the power. compared expecting quarter X.X% were we patient we real saw doing if growth, development the could and is reflects annualized slow grew million. perspective XXXX, which our $X.XX loans growth loans, pleased opportunities quarter seasonally typically up merger-related markets. of X.X%. our in meaningful Mountain $XX quarter high The which to The renewed business division as made geography calling two our a including declined or commercial production loan for quality a better this estate our to quarter. our the on lending and commercial at fourth increasing and loans were strongest basis improved efforts job were focus X.X% contributions loan From of
great us for optimism is pipeline Our strong XXXX. which gives
had sheet, quarter and deposit deposits our remain very of to [indiscernible] we terms another in stable cost. liability the Turning balance side good of
basis quarter the funds at Our total for was cost XX flat points. of
the as been factor this continue our a pressure cycle. we we year. anticipate lower competitive This pricing beginning margin the rates second executive able half in We than leadership level paying I'm we've our markets. of remain saw will have cost deposit rise to in has still key a what more at had the our But expansion expect been tightening to XXXX, the very rate stable over the second team. of in deposit keep while of half see our within within We a future. certainly also beta we to about done restructuring excited the
of Chief As week, of across for consistency have will allowing with serve an network functions. to including overseeing across responsibilities formal Renee Operating last facing operational client Hubbell, company's as our company. seen footprint all our Banking us of Banking expanded Chief our have Jodi as former provide who'll Newman significant has some overseeing appointed we responsibility who managing you Gottwals channels. responsibilities the Delahunt our may been with announced Officer greatest changes now entire Bill our and of with our role Officer Director clarity the
business additional future. best in have banking and the captures and One and we people in things right with new have about development about is strong. confident make strengths incredibly off encouraging this the right I'm Throughout of to our we're of organization it up, executive starting this discussing people members; focus two how can us team from realignment we optimistic some the clarity the year capabilities. of and team rules company team focused around priorities. on provides ground the and we started that improve our responsibilities I'm enables our right roles of divisions the better. the on and We this our the structure individual believe align this
companies these areas. some the because always reform over to and invested about commentary benefit to are how reform in We I Lastly about Marcy the talk turn their I before you've earnings. increase spending tax and we've want of from seeing tax played on been to the recent benefits tax call banks other
them on chain is a exemplified that have, employees believe putting important the with community spend We employees on we minutes a engaged based shareholders happy customers couple the make most provided This which our of benefits. company healthy are believe create asset our value Let the which great soapbox. which always We me have my ultimately people benefit. off we will value and by we first. operate the
receive of all instance, employees For our participate compensation. incentive and
in employees sharing. profit participate our All of
in robust of XXX(k) company for to our employees employees X.XX% contribution All in which up matches the X%. plan participate
All of $XXX get reimbursement in fitness annually. up our membership employees
benefits, addition employees and we family. short-term for first for child improves January per employees. which family went into weeks. to parents up XXX% the employees weeks the healthcare our our the healthcare care who $XX,XXX. plan family pretax but provide their offerings, great per for XX% for In effect out accounts six reduces prefunds for our pocket moms enhanced for both year's cost. under new earn and earnings only and the $XXX redesigned child last healthcare We $X,XXX to contributions not maximum up with of individual Respected to $,XXXX cost been a whole new HSA our of per contribute take XXXX, working per the and we to We've six next to committed $X,XXX X.X%. community provide X% to least our We years. in communities reasonable giving And disability at benefits being at We care back up a of
for In $X,XXX up dollar year. to addition contribution match we dollar employees per
any agency. [ph] [volunteerism] to by support our hour also $XX employees matching worked charitable We an at hours
about in our talk Now let's company. investing
in discussed been past replacing we've As systems. we've the
first We planned business announcement. to the stakeholders and commitment already before All been to reform being with say, putting for tax operating normal this have our year. regardless invested how into in costs expenses been these investment of well our digital we more have baked and our has all platform do of our
benefits be will we quarterly dividend result, and Accordingly flow the savings able our we a As up to shareholders. release. tax to in earnings XX% announced in to a through our build capital yesterday's increase levels use our
to for Go like more ahead, details So call the over with those Marcy. behind numbers. Marcy turn comments, I'd to the
