.78 vs ~.65), with net charge-offs collapsing to $3M from $56M Y/Y and CET1 climbing 50bp." /> .78 beats ~.65 consensus; net income to common $262M (+19% Y/Y); NII $684M (+2%); NIM 3.23% (-5bp Y/Y); customer deposits $74.5B (+5% Y/Y); CET1 11.8% (+50bp); ROTCE 16.2%; NCO just $3M vs $56M Y/Y" /> .78 vs ~.65), with net charge-offs collapsing to $3M from $56M Y/Y and CET1 climbing 50bp." /> .78 beats ~.65 consensus; net income to common $262M (+19% Y/Y); NII $684M (+2%); NIM 3.23% (-5bp Y/Y); customer deposits $74.5B (+5% Y/Y); CET1 11.8% (+50bp); ROTCE 16.2%; NCO just $3M vs $56M Y/Y" /> .78 vs ~.65), with net charge-offs collapsing to $3M from $56M Y/Y and CET1 climbing 50bp." />