Going forward, with Inland, we believe quarterly non-interest expense run rate will trend between $53 million and $55 million. Turning to Slide 10. The allowance for credit losses at the end of Q2 was $92.7 million, up 2% from the end of the prior quarter. In the second quarter, we recorded a $6 million provision for credit losses compared to $10 million in the first quarter. The reserve bill was largely driven by loan and lease growth and a $6.5 million increase in the individually assessed portfolio. Net charge-offs were $4.3 million in the second quarter compared to $1.2 million in the previous quarter. Our NPLs to total loans and leases decreased to 69 basis points in Q2 from 84 basis points in Q1. Our NPAs to total assets decreased to 54 basis points in Q2 from 67 basis points in Q1.
And total delinquencies were $9.6 million on June 30, a $5 million decrease linked quarter. Turning to Slide 11. Our liquidity remains robust. We ended the quarter with approximately $320 million of cash and cash equivalents, and our available borrowing capacity stood at $1.7 billion. Our uninsured deposit ratio fell to 25.9% and remains below all peer bank averages. In addition, the uninsured deposit coverage ratio stood at 132%. Turning to Slide 12. Our capital position remains strong. For the second quarter, we grew capital and as a result, our capital ratios improved quarter-over-quarter. Our CET1 grew to 10.6%, up 31 basis points and our TCE ratio increased to 8.9%, up 21 basis points and is well within our targeted TCE range. Going forward, we are focused on growing capital, maintaining our strong liquidity position and executing on our strategy.
With that, Alberto, back to you.
Alberto Paracchini: Thank you, Tom. Slide 13 summarizes our strategy, and we remain focused on its execution. We are proud of the strong operating performance the company delivered this past quarter. Notwithstanding the uncertainties present and the potential headwinds that may emerge, we remain optimistic about our ability to deliver solid results. In closing, I would like to welcome all of our new colleagues that recently joined the company from Inland and thank our employees for their hard work and dedication on a daily basis. With that, operator, let’s open the call up for questions.
Operator: [Operator Instructions] Your first call comes from the line of Nathan Race from Piper Sandler. Nathan, your line is now open.
Nathan Race: Just in thinking about future deposit growth expectations, it’s nice to see the pace of increase in deposit costs low versus the first quarter. And we also saw the pace of core deposit outflows also declined versus 1Q. So just curious how we should be thinking about kind of core deposit growth and overall balances into the back half of the year on an organic basis and kind of what you’re seeing from a deposit pricing perspective in the Chicago area these days?
Alberto Paracchini: Sure. So let’s just break that question into three parts in terms of kind of like the outlook in terms of kind of core deposit growth going forward, what we’re seeing in terms of the mix and lastly, kind of the competitive dynamics that we’re seeing. So on the first part, look, I think our intention is to continue to fund loan growth with core deposits. And that’s been our strategy that has served us well over the years, and we will continue to try to do that through the cycle. So in terms of growth, I think the guidance that we’ll give you is as goes loan growth, our long term, what we want to do is fund that growth with core deposits. In any given quarter, to the degree that we have slightly faster loan growth and one quarter vis-a-vis another, there’s going to be some ebbs and flows on that.
