Fourth quarter earnings per share (diluted) of $1.37, an increase of 34.3% compared to fourth quarter 2023 Fourth quarter net income of $130.1 million Fourth quarter net interest margin increased 30 basis points to 3.05% compared to fourth quarter 2023 Noninterest-bearing deposits of $9.8 billion, representing 34.5% of total deposits Borrowings decreased $700.0 million during fourth quarter 2024 Allowance for credit losses on loans and on off-balance sheet credit exposure of $389.5 million and allowance fo ...