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What is the outlook for CFR's loan growth and profitability in the upcoming quarters?
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How did CFR's operating expenses change in Q4, and what impact did this have on profitability?
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How did CFR's net interest income change in Q4 compared to the same period last year?
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What was the year-over-year growth rate of CFR's average loans in Q4?
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What strategic initiatives contributed to CFR's improved profitability in Q4?
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