Net income increased to $550 million in 2025 from $534 million in 2024, primarily due to higher net interest income and non-interest income, partially offset by increased non-interest expense and provision for credit losses. Diluted earnings per common share decreased to $2.30 in 2025 from $2.55 in 2024, mainly due to an increase in weighted-average diluted common shares outstanding following the Pacific Premier acquisition. Net interest income rose to $2.0 billion in 2025 from $1.7 billion in 2024, benefiting from a larger average balance sheet post-acquisition and lower interest rates on liabilities. Net interest margin, on a tax equivalent basis, improved to 3.83% in 2025 from 3.57% in 2024, driven by reduced cost of interest-bearing liabilities and a favorable funding mix shift. Non-interest income grew to $298 million in 2025 from $211 million in 2024, largely due to four months of combined operations with Pacific Premier and fair value adjustments. Non-interest expense increased to $1.4 billion in 2025 from $1.1 billion in 2024, primarily due to $148 million in merger and restructuring expenses, higher salaries, increased occupancy costs, and a $55 million legal settlement accrual. Total loans and leases increased by $10.1 billion (27%) to $47.8 billion as of December 31, 2025, with $11.4 billion contributed by the Pacific Premier acquisition. Total deposits grew by $12.5 billion (30%) to $54.2 billion as of December 31, 2025, including $14.5 billion from the Pacific Premier acquisition and organic growth. Total consolidated assets reached $66.8 billion as of December 31, 2025, up from $51.6 billion in 2024, primarily due to the Pacific Premier acquisition. Non-performing assets were $200 million (0.30% of total assets) as of December 31, 2025, compared to $170 million (0.33%) in 2024, reflecting acquired assets. The Allowance for Credit Losses (ACL) increased to $485 million (1.02% of loans and leases) as of December 31, 2025, from $441 million (1.17%) in 2024, reflecting loan growth and updated economic forecasts. The Company repurchased 3.7 million common shares for $100 million in 2025 under a new $700 million program approved in October 2025, with $600 million remaining. The Board approved a quarterly dividend increase to $0.37 per common share in November 2025, totaling $1.45 per common share for the year.