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      "text": "1. Solid EPS, ROE and ROA performance. 2. Strong net interest income growth and NIM expansion due to SVB acquisition. 3. Significant improvement in efficiency ratio due to SVB acquisition. 4. Credit normalization continued resulting in an increase in net charge-offs and in CRE-related reserve build. 5. Office-related CRE exposure is limited; overall credit metrics remained strong. 6. Loan growth was strong in the General and Commercial Bank segments. 7. We achieved deposit growth overall, primarily concentrated in the Direct Bank channel. 8. SVB deposits remained stable since our May investor call. 9. Continued low levels of private equity/venture capital activity remain a headwind for loan and deposit growth in the SVB segment. 10. Maintained a strong balance sheet position in terms of capital and liquidity.",
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