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      "text": "BALANCED GROWTH SINCE YEAR OF IPO¹ AT STRONG RISK-ADJUSTED RETURNS",
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      "text": "* Reflects the sum of our “Tier 1 Capital” and “Allowance for Credit Losses,” divided by our “Total Risk-Weighted Assets”. Tier 1 Capital and Risk-Weighted Assets are adjusted to reflect the fully phased-in impact of CECL. These adjusted metrics are non-GAAP measures, see non-GAAP reconciliation in appendix. ** Tangible book value (TBV) is a non-GAAP measure, also referred to as Tangible common equity (TCE); see non-GAAP reconciliation at the end of this presentation",
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      "text": "... Driving Strong Financial Results",
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