are really all your I appreciate you joining well. you our Ryan. family And Thanks, hope morning, everybody. call. and I Good doing
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good XXX on really feel a Corporate honored XXXX Foundation's Rights about that. out score perfect of we Equality Human So, the point we receive to Index. I'd Campaign also were
we're good So, job to our regard a living purpose. with really doing
to But recognizing regard with and recognize more did to tangible at X.XX%. on on ratio available highlights, look about was our today where of some pleased given with We share revenue at economy. to come And number. common you X are we have really are a to that's depending likewise, a a positive our deterioration, adjusted our point Return there, just at in adjusted low accommodations we I’d assets with impacts there very that there's we common If very about of the equity credit shareholders resulted slide We're good XX.X%. That net billion. $X pleased but really common to that. $X.XX. of diluting And billion, about. $X.X and $X.X equity now available equivalent really good we were of Tier We net were at taxable billion. XX.X%, average out income was regard talked had adjusted X, per few still, feel X.XX%, common to charge-offs regard XX%. happens quality what Net adjusted strong, income nonperforming really is efficiency good what end earnings the that on at
capital feel we about really our position. So, good
If you look X, was have in We unusual restructuring security which we slide are merger. positive $XX to that future and of contribution of operating the million, of foundation, did million, did point $X.XX. we term per which incremental out items was had on qualify a merger that and $XXX but $XXX some run at $X.XX. million, share. expenses did charges have out for because $X.XX. do was rate. gains I’d of $X.XX part expenses to charitable And Remember, these they have related selective [ph] We our is don't that and terms was not our benefits, they're a $XXX That MRRC calling million make a longer just
you it was put that impact if all a to negative about So, EPS together, of $X.XX.
slide adjusted comments of items. to we the these On couple good because of the of So, feel just with regard number quality selected eight, a about loans.
As you us for in industry all what's going the of a know, for economy. because challenge and on are real now loans the
a Of in loans a course, in big see corporate And line were repaid. we we third, did draw-downs into quarter. the a big rundown likewise, number of large as second in loans run-up saw the
area. billion. $XX of C&I reductions $X.X the billion was loan total saw we of in that So,
auto. platform. other We did some have recreational areas, LightStream, some happened. Sheffield and lending, So, a prime did mortgage in like that's decreases growth We growth, spots. some consumer what had our in resi so bright principally have We digital forth. consumer had national
the will I balances kind to exclude in off if is, head to of the into a mixed economy. you run-down regard the first expect loans, the it's as With obviously. in you the banks overall, and to about say a have with would the Loan story now, $XX.X is run-up begin So, pay headwinds. to flat. bag really fourth that regard and in third we reflection the But, the second of the we do are future relative probably second. there. big billion challenging But growth we consumer. PPP in That was loans and the
not point event. so, this had. precipitating to opinion. one corrections out, about virtually be I to should surprised just material all and what's economy. happen is real ways And is It's there's would that. previous And at back The the that just going to of look we important question person's we've
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if all real with it are personally have first substantial see with already begin a off. to regard to believe, of as some Now, positive ramification. we'll had the mitigation medical developments, stays we bank head developments bets to quarter, regard into We developments certainly then time, on names. long I --
forward. nine as we told who tell much I now, more ever about person we cautious, not Weaver, them while people, you, I David So, get probably from today, Community in are as than he as the somewhat Commercial had day. talking will me feedback they're did calls in economy other client-facing one Bank, people day, although our to facing the we going virtually. we're although our optimistic, think runs
particularly So, are But clients resilient. been I'm speaking and middle we've point, his efficient. market. being upper to very, very very of
quotes time clients and set said a ago, clients kind and kind be for for we of the us. we And get we just our make was back months We because the our said. to that's One said, that business recently virtual waiting move several got got And it's to to we honest, on. on didn't calls of with running then of were need what while pandemic. I say, to
our So, today kind my are of clients okay. is there being saying business is
micro a small we very business, personal a At the small people, and story. on micro for long economic But this the that reallocate small that's very how at substantial sad market. in those see shakeout will business level, lasts, itself. small struggling. level end aggregate is the And a reshuffle depending Now, -- will
are improving. this to we've I'll got as So, our moves possible. that pipelines along say hope finally as that rapidly
about is feel good comment On calling just doing robust. great. very brief slide relative the to Our what And to are deposits, we're going about happens which a activity economy. X, where we
nice to in had noninterest-bearing deposits quarter a basis. deposits. following increase a in linked-quarter flight have previous somewhat increases We other billion to the increase continue because $XX $X.X We had a billion on of inflow, quality. We
So, that. we feel about really good
the total XX.X% today XX.X% of versus noninterest-bearing deposits are deposits Our in first quarter.
lot a getting of DDA see regard with our you down, So, have regard deposit good progress. cost increased. we've or We've to attention focusing our with really how to structure. can deposits rapidly And noninterest-bearing made been our
Average to Our costs XX basis XX points. to total down deposit points, points XX decreased decreased basis deposits interest-bearing XX basis from points. basis
So, we deposit activity you’re our really math billion I managing deposits. would deposits good in cost our of divest quarter. and following point the this out, of if all in progress there, did $X.X
a And so, that's material factor.
So some would for Daryl our great. overall, me deposits to With doing are that, I say more let detail. turn it
