$Northwest Bancshares(NWBI)$ released its 4Q24 numbers, which look mostly stable compared to 3Q24. Growth continued to be muted by its conservative approach of reinvesting cash flows from its personal banking portfolio into its commercial banking portfolio. Average loans receivable was at $11.2 billion, dropped by 0.2% Average deposits were at $12.02 billion, dropped by 0.6% Average borrowed funds were at $222 million, increased by 0.8% (the first increase in the last 12 months) Net income was $32.75 billion, dropped by 2.6% The biggest change was in the Provision for Credit Losses which saw an increase of 239% from $4.8 million to $16.5 million, mostly due to steps taken to clean up risky loans to improve their loan book quality going forward and