Earnings Per Share (EPS): $1.28 per diluted share for Q4 2024, compared to $1.32 in the previous quarter and $1.16 in Q4 2023. Adjusted Return on Assets: 1.31% for Q4 2024. Pre-Provision Return on Assets: 1.80% for Q4 2024. Net Interest Margin: Remained above 4% and was essentially flat compared to the previous quarter. Loan