Management of fair value changes this section are on a. Initial provision for credit losses commissions and changes aere policy. Bank of the West provides of non-GAAP amounts, measures and by other companies and should be accessed on our website following items:.
So last quarter, we made a modest increase in the adverse scenario probability reflecting some concerns we saw mostly on the trade front. You kind of cited that it contributed to the higher expense growth in the quarter. In the business and government segment, formations were materially lower, driven by declines in several sectors, largely reflecting the fairly typical lumpiness of formations in the business segment. In conclusion, we have got good momentum and we're progressing on our strategies and with conducive markets, we'll have a strong year. Those are -- as you look at things building up in the watch list, you start to make adjustments.
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