Laurie Hunsicker: Perfect. Okay. Great. And then, sorry to ask this granular detail, but some of the hotter loan categories and I really appreciate the disclosure that you gave on Page 17 of the deck, where you give some of the balances. But I’m looking for charge-offs and non-performers at those categories, namely Firestone, the $133 million what were charge-offs this quarter and non-performers upstart, you gave $140 million, what we were charge-offs the non-performers? And then if you could give an update on two more categories and then on guaranteed SBA? Thanks.
Nitin Mhatre: Yes. So we could — I don’t have it in front of me, but we could provide those numbers, but they are performing better than what the expectations of the model numbers were, and upstart is about 134 basis points of loss rate annualized.
Laurie Hunsicker: That’s a 134 basis points for this quarter annualized.
Nitin Mhatre: No. Annualized. Yes, for the full-year.
Laurie Hunsicker: Got it. Okay. And so do you know what the charge-offs were for this quarter?
Nitin Mhatre: If you annualize, it was $1 million.
Laurie Hunsicker: $1 million. Great. Got it. Okay. And then, I’m so sorry, what about Firestone?
Nitin Mhatre: Firestone, I don’t have that number with me.
Brett Brbovic: Greg, do you have open Firestone number?
Greg Lindenmuth: I do have that. Hi, Laurie, $100,000.
Laurie Hunsicker: $100,000. Okay. Great. And then, do you have any details around office, the last office refresh I had was a year ago. You had office at round numbers $850 million or so of which that $400 million piece was the lower risk sort of education, health care, medical. You guys have a refresh on that?
Nitin Mhatre: Yes Greg.
Laurie Hunsicker: And maybe why you’re —
Greg Lindenmuth: Absolutely. You got it. Laurie, it’s — on our commercial office space is $548 million, ex education and medical.
Laurie Hunsicker: $548 million. Okay. And just remind me how much of that is in —
Kevin Conn: And Laurie — sorry, Laurie, this is Kevin. On the office exposure, I just point out that 70% of it is suburban office space. So it’s not central business district and the central business district space is predominantly Class A space. And also, just one other point on office is, about 65% to 70% of the office portfolio, the leases don’t expire after 2025. So it’s — it doesn’t. Even though, there is very uncertain environment on office, but so the book position relevant given marketplace.
Laurie Hunsicker: That’s super helpful. Okay. And then one last question, just shifting gears totally back to margin. Do you guys have the December spot margin?
Nitin Mhatre: No, we don’t. But the trend along with the rates has been going up and as I said in my, I think, one other response earlier. We expect the full-year average margins to be higher next year, but the NIM to peak in the first half.
Laurie Hunsicker: Right. Got it. And just one more funding question so far and then I’ll leave it here brokered CDs. I have those that $164 million last quarter. Do you have a number for this quarter and just maybe how you’re thinking about using those?
Brett Brbovic: Yes. Right now. The end of period balance for brokered CDs is about $120 million and on average was about $136 million.
Operator: Our final question today comes from Chris O’Connell from KBW. Chris, your line is open. Please go ahead.
Chris O’Connell: Just hoping to circle back to the loan portfolio. And wondering if you could just provide what the origination yields coming on the resi consumer versus the commercial buckets at this point? And then if you could also provide, what the current yields are on those four run-off portfolios? And maybe just an update on the expected timeline before run-off there?
