Strategic reduction of high-balance accounts in the small-ticket leasing business continued, with balances falling to approximately $9 million from nearly $13 million at year-end.The provision for credit losses of $9.7 million was driven by deteriorating macroeconomic models rather than specific portfolio issues, though management remains cautious regarding oil price volatility and inflation.Credit quality metrics showed broad improvement, with nonperforming loans declining over $3 million and criticized lo ...