Thank you, Mike.
loan and and and are give insight to our into we into I'll a then of define how enhance challenges diverse you and the intend: expectations be our margin; to insight net manage we and across offering have revenue I'll on you of touching where give slides help insight the content deposits businesses fee be there. assure I'll address you interest drivers we into and number finally, adequate deposit our growth; yields to second, to to first, growth and spectrum.
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tactic specifically that to want I note to in slides. isn't net the margin relating other One interest referenced
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in a the with and Athens, finance with for is company branch average three Southland in Tennessee. operated to loan decades $X,XXX consumer range, sizes one over $X,XXX it's secured
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Our coming Tri-Net in low is remain months. guidance that will revenues
there SBA to XX, are factors Page relevant some appearance are revenues consider down an is assessing On There that this. quarter-to-quarter. when
revenue First, please in XX that Page shown XX. of larger various reference to includes trend the net see Page the fee components income the to addition recurring on
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closes. In for that ways substantial We referral delayed transaction or transactions this transactions it the relevant working first sourcing reasons. when made of has but in addition This the source to our of development directly fee in year, this, there with business sourced origination targets are a by of referral was transactions: our the of officers; two who transactions characteristics. a volume one half for half first amount is funding a with for two paid
though Thus, that The this net fee front-end arrangement Thus, second without SBA our current be on months the in approximate to XX. the without the of $XXX,XXX Page quarter in revenue. revenue. front-end reduction fees offsetting loads $XXX,XXX lending an the of quarter loaded about second expenses closing the six expense the complete gain we to for impact the will noted pay generally is see you even recognized sources, is until unintentionally we the sale on in a not construction referral with create the Under future. timing referral nine at difference
third loans referral year, which half fees gain third approximately this and million the quarters. paid production been an is in our closed into is the there's to to we in of had my recognition to at of upside. have But, XX, for the over June the higher and on sale inherent normal fourth addition the the the expect levels hesitate revenues anticipated quarters. already first levels from guidance of XXXX. will guidance quarters. enhance that parsing At revenue is timing in complexities sale But the continue general, half and $X In This the year specific the gain of sale, of the because two I the higher fourth on we've of in last last to on give expect between managing the gain balance to than
of we program team accomplished in short, nine In are months are their time. a very proud Their efforts SBA with originator this SBA what on the based as June in XXth X(a) the period ending has short the evident largest of placement XX.
with and of trend very are results the We they've pleased that the established. growth
is there want revenues. we other fee that to highlight Finally, as one I of an to example business grow how seek
is merger Another title are business through Athens, that Federal located the Tennessee. we Title. They in Valley obtained a Athens agency
we about and to While share a targeting closing as get small contributing we bigger it earnings per volumes. to transaction share seek for own our from $X.XX earnings growth of are annually,
Valley do share include estate. capture are multiple more secured ways bigger CapStar cost evaluating agencies. licensing transactions outsource can of an on We of so gain will that time, This otherwise can particularly real that that a states originated we other would we over expansion commercial to by to transactions, higher
overall what five pre-tax levels. their they contribution small, times despite reductions are for last mortgage the through While period earnings June the activity in overall year same were is
not the this will in NIM to small guidance that the that suggest future. can whether offering evaluating the you our offset big underscore to for or we foreseeable everything compression way, industry rather should to commitment but challenge modify to I'm your any
to with asset comments this, quality. This discuss turn I'll And my it to over concludes on Kevin revenue.
