Financial Performance - The company experienced strong topline revenue growth, driven by net interest income and loan growth [1][2] - Loan growth reached approximately $1.2 billion, representing an annualized growth rate of about 10% over the last six months [1] - Assets under management in the wealth division totaled $123 billion, contributing to strong fiduciary fee income growth [2] Credit and Risk Management - The company maintains conservative reserves and anticipates credit normalization, expecting a reversion to the mean over time [3][4] - The company emphasizes its strong credit underwriting history, citing its performance during the great financial crisis [4] - The company's net charge-offs for the last 12 months are less than five basis points, significantly lower than the typical range of 20 to 25 basis points [5][6] - Criticized levels are slightly more than half of what they were pre-COVID, which were already considered very good numbers [6] - The industry is well-positioned to absorb increased credit losses due to the current low levels [9] Mergers and Acquisitions - M&A activity is seen as a tailwind for the company, creating opportunities due to disruption [12] - The company aims to capitalize on the disruption caused by M&A to attract talent, new customers, and prospects within its eight-state region [13]