Citizens Republic Bancorp, Inc Management Discusses Q2 2012 Results - Earnings Call Transcript
The balance sheet tactics we've utilized included emphasis on growing low-cost core deposits, reducing reliance on wholesale and other high-cost funding, carefully managing deposit pricing through a relationship pricing strategy, restructuring long-term debt to reduce cost while extending maturity and remaining diligent on loan pricing. Our overall cost of funds was down 8 basis points compared to last quarter and 30 basis points compared to the second quarter of 2011.
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