Net income for 2025 was $106.8 million, a decrease from $117.2 million in 2024 and $113.4 million in 2023. Diluted earnings per common share (EPS) was $2.99 in 2025, down from $3.31 in 2024 and $3.44 in 2023. Net interest income increased 2% to $355.2 million in 2025, compared to $348.7 million in 2024, primarily due to lower deposit and borrowing costs. Net interest margin decreased by 7 basis points to 4.14% in 2025 from 4.21% in 2024, mainly due to lower accretion income. Provision for credit losses significantly increased to $42.2 million in 2025, up from $24.8 million in 2024 and $15.2 million in 2023. Net charge-offs rose to $29.4 million (0.45% of average total loans) in 2025, compared to $23.2 million (0.37%) in 2024, driven by small-ticket leases. Total non-interest income (excluding gains and losses) increased $6.7 million (6%) in 2025, primarily from a $5.1 million increase in lease income and a $1.9 million increase in trust and investment income. Total non-interest expense increased $8.5 million (3%) to $282.3 million in 2025, mainly due to higher salaries and employee benefits ($6.5 million) and data processing and software expenses ($3.9 million). The efficiency ratio increased to 58.7% in 2025 from 58.0% in 2024. Total assets grew 4% to $9.65 billion at December 31, 2025, from $9.25 billion at year-end 2024. Loans and leases increased by $398.9 million, driven by growth in other commercial real estate loans ($208.0 million) and commercial and industrial loans ($188.1 million). The allowance for credit losses increased to $75.7 million (1.12% of total loans) at December 31, 2025, from $63.3 million (1.00%) at December 31, 2024. Total stockholders' equity increased $95.0 million (9%) to $1.21 billion at December 31, 2025. Capital ratios remained strong, exceeding 'well capitalized' thresholds, with a Tier 1 capital ratio of 12.73% and a Total capital ratio of 13.78% at December 31, 2025. Tangible book value per common share increased to $22.77 at December 31, 2025, from $19.94 at December 31, 2024.