And so, when they like it, we saw our branch satisfaction going up with the mass affluent. The mass affluent lets us speak to people in the language of what matters to you. When they answer that, we match them up with the product or service, they leave satisfied. They don’t walk out the door. Your first year attrition improves. When you get most of your people dealing with the channel they like. And by the way, we’ve had 100% uptime on our digital channel since we launched it. We’ve not been down. This is what we promised when we went to this cloud-based solution, and we’ve delivered on that. The number one thing somebody wants is when they pull out their phone and they log in, they want to see their balance, and they do not want the system to be down.
We’ve delivered that. So as they’re more satisfied, we haven’t given them as many reasons to leave or we’ve given them more reasons to stay. So that’s a pretty encouraging view on our side.
Jon Arfstrom: Okay. Good. Slide 4, you show some strong commercial growth from my point of view. You’re also talking about pipeline slowing a little bit, but it looks pretty good to me. I guess I don’t know if it’s for you or Pat. But what’s going on with your core commercial clients and what’s driving that general commercial growth?
Andrew Harmening: Do you want to take that, Pat?
Patrick Ahern: Sure. I think it’s largely what Andy is focused on. We spent last year beefing up adding RMs and helping to really focus on where we’re going to – what our key relationships are in – our core client profile is. To an earlier point, we’re not out chasing business in stretching. We haven’t changed our credit box. So, it’s just a matter of getting more people on the street talking to the clients we want to bank. And it’s really kind of helped to generate. And while the pipeline is down, it’s still pretty solid opportunities that we’re seeing.
Andrew Harmening: And just to expand on that as well. This is Andy. We’ve spoken to the quality of the RM and the fact that we’ve gotten from almost every major competitor in the footprint, but the proof is in the pudding. And so, now when you see treasury management sales up, when you see pipelines continuing to grow the business and when you see your commercial deposits going up, we believe we’ve hired some really talented RMs. And frankly, we had some talented RMs in-house as well. And so, we’ve married those two and its put us on a pretty good path.
Jon Arfstrom: Okay good. And then last one for you, Pat. Slide 15 on credit. I agree the numbers look very tame, but more curious what you’re seeing in consumer credit and any themes and anything you’re watching in consumer? It’s a little tick up in nonaccrual, but de minimis. But what are you seeing and what are you watching?
Patrick Ahern: We’re continuing to watch delinquencies. We continue to watch payment trends. And to be honest, we’ve seen everything really remain flat and improve in some spots. Our residential ARM portfolio continues to improve from a delinquency standpoint. As Andy mentioned, the indirect auto has done great. Credit card book is really, we’re still trending positive there relative to pre-pandemic. So from a consumer standpoint, we’ve been really happy with the production there, but I think it’s a reflection of that prime and super prime focus.
