So as we start the year, their expected contributions for 2015 performance are right in line with where we thought they would be. Though at the same time, the benefits of these acquisitions and the related organizational activities that come along with them have the obvious impact on our financial comparisons that you have seen this quarter. So we will obviously have to work you through that here today.
At its core, the quarter was strong. It was generally in line with where we thought we would be and really a great testament to the focus and engagement of all of our teams. This is a lot of activity to absorb over that period of time. So we’re very pleased with our overall efforts. You know as we look back on the quarter and certainly as we expand that period and look back on the rest of the year, we’ve talked a lot about our efforts to build our team, grow and diversify our revenues and continue to invest in the business and balance risk all at the same time and all of those efforts are interconnected. So, as you think about that as it’s occurred over the full year, I would hold out that a lot of those activities and those efforts are really evident in the quarter. So we’re very pleased with that overall.
So for the quarter we earned $0.27 after you exclude the $0.08 of integration expenses directly attributed related to the Great Lakes transaction which you all certainly may recall closing in December. If you go to a year over year basis, our earnings-per-share was up about 13% after you exclude the integration activities of the back half of the year that totaled about $0.11 and if you take out from last year’s number, a large windfall that we got from the liquidation of an equity investment or largely due to that that went public, that added about $0.15. If you net those activities out, year over year earnings per share are up about 13%. So strong overall performance through the year.
Total revenues for the quarter are 12% higher than the same quarter a year ago. Our margin came in at 3.76 which is about 14 basis points again on a like quarter a year ago comparison. After our acquisitions, our loan portfolio now stands at $6.7 billion, 18% higher than a year ago and consistent with one of our initiatives certainly with a larger mix of commercial and owner-occupied real estate lending.
Sales activity was solid across our business lines. If you factor out the Great Lakes acquisition, some expected pay downs that Mark will talk about relative to the Popular’s healthcare portfolio that we acquired, our loans were actually up about 3% annualized.
At the same time and again going to the focus of the overall groups, our credit metrics have improved significantly. Your NPAs declined 15% to $74.5 million. Our net charge-offs fell to $2.1 million and when we combine that and I do as I think about overall credit metrics and credit costs relative to what I believe is a very conservative valuation position on a large piece of OREO that resulted in a $1.6 million write-down. We still stood at multi year lows in terms of our overall credit costs. So very strong from that perspective and our past due and 90 day past due as well as our 30 to 89 day past due levels continue to run at strong levels.
Our expenses totaled $84.8 million, that’s about $14.5 million higher than last quarter. Obviously distorted by a variety of expenses attributed to the acquisitions, attendant organizational activity that took place in the quarter as well as what I just alluded to where some of the credit costs related to OREO and remediation costs came through in the quarter as opposed to coming through directly through provision expense. So that’s it as far as a quick business overview. I will pick it up at the end with a few closing remarks, but I would now turn it over to Mark and Paul who can offer some additional color. Mark, why don’t you go first?
