...A. This had a lot of adverse impact on our funding costs on our net interest margin. B. And on our expenses and not least, a substantial tab paid to the FDIC for our share of the cost of the resolution of those failed banks. C. But we see that in 2024, we had a 15% increase in net income, a 14% increase in earnings per share. D. Revenue was relatively flat with expenses up about 2%. E. Revenue being flat as a result of this margin pressure. F. It resulted in our adjusted pre-provision net revenue actually declining 3%. G. But we had a much lower provision for loan losses in 2024, which boosted our return on assets from 77 basis points, the prior year to 88 basis points in 2024. H. Our efficiency ratio was higher as a result of this flat revenue, a little higher expense. I. It's the real strength of the business, 10 basis points, which is materially better than the average in the industry. J. If we go to the next slide, looking at earnings growth over the past five years, we've actually...
