We are allocating capital to grow portfolios that offer good risk adjusted returns and attractive cross-sell, while extracting capital through loan sales and runoff as part of balance sheet optimization. Our year-over-year loan growth was 4% with a lot going on inside that number. We're also very focused on being good stewards of our shareholder capital, both in terms of loan growth and capital returns to shareholders. We continue to find efficiencies that lead to simpler processes and better customer experiences, while also creating the wherewithal for funding new growth initiatives. And our expense discipline continues to be excellent. Our fee businesses have really come on strong, as we've integrated well our recent acquisitions and were able to do more for our customers.
We navigated reasonably well through a dramatic change in the rate environment. We're pleased to announce another strong quarter today. Good morning, everyone, and thanks for joining our call.
