Mark Fucinato: Yes, I agree, Alberto. I would call it really steady. Our SBA teams are – are very focused on looking at their portfolio. They’ve actually stepped up their portfolio management monitoring in the last couple of quarters. But it has been really steady. We haven’t seen any big jump in any one area for their book either, as of where we are today. The rate increases concern me because all those small business owners are dealing with that reality. But so far, it’s been pretty consistent.
Nathan Race: Okay. Great. If I could just squeeze one last one in on just kind of how you guys are thinking about the reserve trajectory from here. It sounds like growth is understandably slowing on the lending side of things. You guys are obviously still operating from a position of strength relative to peers in terms of where your reserve stack up. But I guess just absent significant macro deterioration within the CECL framework, how you guys are kind of thinking about the structure of the reserve going forward?
Roberto Herencia: A couple of things. I mean the macro trajectory is certainly important. But other factors that we — that — kind of we see in the environment. I mean, as I said earlier, there’s a fair amount of uncertainty in the environment. To give you an example certainly, everybody knows and everybody is paying attention to office but really, any other areas were — maybe it’s not necessarily something that we are seeing, but it’s something that happening in the environment and not yet reflected in your historical or in your forecast, we can obviously use factors to adjust for that. So just keep that in mind. Second, I think just — I think you nailed in terms of kind of how we think about provisioning and the reserve, just keep two things in mind.
One is any — you obviously are going to see a higher reserve overall with growth in the portfolio. So that’s one thing. And then the other thing, obviously, we have loans that that where we took marks on as a result of the Inland transaction, we are active in wanting to move those loans out. So you may see charge-offs related to that come through, we will make sure to basically show those separate so that you guys are aware of what we’re doing there. But in the course of the year, we will look to work out of situations that have been identified. So you may see an uptick in charge-offs on any given quarter related to that. But outside of that, it’s — I think it’s consistent with what the guidance that we provided in the past.
Nathan Race: Okay. Great. I appreciate all the color and you guys taking the questions. Thank you.
Roberto Herencia: Thank you, Nate
Tom Bell: Thanks, Nate.
Operator: [Operator Instructions] The next question comes from Brian Martin from Janney, Brian, Please go ahead. Your line is open
Brian Martin: Hey, good morning, everyone.
Roberto Herencia: Morning, Brian.
Tom Bell: Good morning, Brian.
Roberto Herencia: Maybe just one quick question on — maybe I think it was Tom that talked about the SBA or Alberto. Just it sounds like maybe the revenues are down a little bit in the quarter — next quarter. Is that more a function of — it sounds like the margins are holding up. I mean, is that maybe just a little less sale activity, or kind of how are you thinking broadly about that decline? What’s driving a little bit lower outlook for next quarter?
