Hope Thanks for joining great you're Alan call. morning and day good everybody. a having and thanks
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the strategies don't are point business; and on any methods simply reconceptualization our around we old time new a the aspects Our of lot of of spending view, of many it's work all more. world,
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categories well. And so, particular we we are that very, segment and very have think those doing
loan more color Just the portfolio. little a on
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have So, season that grown then we and good feel XX%. core our portfolios about
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we short before We so [ph] material $XX continue impact the finance, decrease a to residential run. X.X% decreased run, give or [$XX focus so perspective again to in finance, sales in that's you sales on million XX%, million]
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begin total So, them see we head to into you be. XXXX growth up we to because portfolios our through want move of haven't optimizing gotten as begin to where loan those
X, quality growing occur number merger have I important slightly total context things, and do and of we that it's been portfolios. well term I very the solid challenging fools to can of our every view by all have through around but that we years, growth stabilization not game enhance of have not to say a it that to and a are bad loans. to begin to about we and will will well that structured a it gain go I to that point strategies, working to and I Look, core good Quick we a number going times, we a but Recent XX are good they long-term are go traction, are as but kind grow run we period news XX quality core grow profitability to [many] are and very need priced they you good stay on about well strategy, is is and are will very, know portfolio through, it. to X% our So, think a in where takes feel fourth, want we and end beginning on benefits deposits can, earnings seen have that in not out our clients you our months grow been that try EBITDA short to short-term Page businesses, making period look decline to we so is a from good is nearly at loan acquisitions, totally is can, beginning market core on going of things forward. be loans you good that's do down loans not they time to that and there, we growth the is attempting lending and like this were we XX to profitability. many, they from you in improve the a to faster Clarke specialized pretty focused a proper that we stabilize Still so are corporate thanks of time special while turning this I our plan. of would be deposits performance we run to have we many say to
is Our non-interest which bearing X.X% very, up are of good. very deposits plan our
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we see betas our correspond probably appropriate. and of we in that. up holding pretty loan give to have year, be little go will will but along We That talk that we will and we forward, will bit go as been so, that about begin tight, Daryl his so as a will the that report growth during
really increase XX% view. did deposits which a non-interest to important of XX.X% deposits our long-term is of from from point again Importantly
a comments. just So, I just Daryl, turn of strategic before it couple to
that We we we sheet have about that's of benefiting on every in of this be, spend old the that work of that thing processes balance fine, detail call you little didn't on talk every that But, talk have has about what us the for we need sure world, processes quarter, we happened it. look world every talking focusing times time to say to new about terms lot reinvesting to is and in and the and of questions this and of thing about. in our every to and and end not going strategies environment. what's in I And on aspect Most important the on, it's and would we to answer going make business work, people are quarter. if changed to a don't us the our are on going for strategies quarter income strategies to the most what's recognized important just
spending demand of we course, the focused operate have world we strategy you huge curve where on an the on by of meaningful biggest that's really time can can town based are course a differentiate. more we price are improvement unless can makes whopping can differentiation, with in on sense of to low big on, on we It that. player differentiate And we where deal conceptually are we that focus strategies differentiation inelastic and the can are tightly in where -- are, the you For prices a we a you scale. meaning that's example, that of get differentiation what not focused of lot a today on and
small have our relative can't can't get that unlike are and business, business and frankly areas we on our the those focusing these are other really where spending our We well, time more we our areas differentiated and insurance, middle time lending more differentiate we more market commercial, specialized advantage. on less
focusing that's been spending branch investors conceptually cetera conceptualization be and millennials we rationalize player on on to digital the and we are to network of time lot new to focusing AR aggressive all need in a branch to on an play et the world We by the wires make for are to this strategy. excess networks paid
we are the the able invest are really and are the franchise once assembled of that exactly some of to We are the the but return to terms that have strategies the on. to we We important and substantially shareholders we which are focused what are of to going in we new believe future to forward. strategies growing winners execution. be excellent solid as going forward, go That's have able
it turn will I Daryl Now, more some to commentary. for
