James Rollins: That helps you?
Brandon King: Okay. Yes, yes. Okay. And then on loan growth, high single-digits, this seems to be a bit above peers. I’m just curious, what gives you confidence in that number and kind of what you’re seeing as far as demand — you know, community platform versus corporate?
James Rollins: So, I’m not sure I’m hearing the whole question. You’re talking about loan growth being above peers and what was the second part of that?
Brandon King: Yes, yes. So, loan growth, kind of, what gives you confidence in that high-single digit growth figure for next year? And then if you could provide some commentary around community versus the corporate lending, kind of the demand outlook there?
James Rollins: Yes, okay. So opportunities within the corporate lending and confidence around the high single-digit loan growth, I think is what you’re asking about. I think our footprint is going to give loan growth. So the footprint that we’re sitting in, is continuing to perform well. As I’ve said, we’re not seeing really any weakness to speak up today, Chris and Hank are both in the room here and can talk about — all you want to talk about on loan growth. Which one of you guys wants to go.
Hank Holmes: Chris, I’ll let you go first and I’ll fill it.
Chris Bagley: Yes, Dan started it, the 400 branch footprint, commercial teams with deep relationships, with diverse products and services. We’re in resilient growth markets as well as what I would call more stable and lower risk markets as well. So there’s just a lot of leverage that we can pull. And when we look at pipelines, we’re seeing still active, and we still see looking at least out the next few months, we feel like we’ve got a good pipeline and activities. So we’re comfortable with some others loan growth targets. Hank?
Hank Holmes: So, I agree 100% with Chris, I would categorize it as not few hot but not too cold and we’re positive on 2023. We do have capacity in our corporate teams, which is a nice thing to have when you’re headed into some NIMs — or having — to have some loan growth, which we’re going to do. And lot of it depends on the macro environment and what that gives us to the second half of the year. But right now, I would tell you that I feel good and positive about the guidance we’re giving that Valerie mentioned earlier.
Brandon King: Thanks for taking my questions.
James Rollins: Thank you. Appreciate it, Brandon.
Operator: The next question comes from Brett Rabatin with Hovde Group. Please go ahead.
James Rollins: Hi, Brett.
Brett Rabatin: Hi, good morning. Thanks for taking the questions. Wanted to talk about credit for a second, and obviously, spectacular numbers, thinking about the reserve. It’s basically been flat the past three quarters from a dollar perspective and just wanted to hear some thoughts on provisioning going forward and just thinking about the black box of CECL, as well as the classified assets are really low, but they did tick up a little bit in the fourth quarter. Any anything that was prevalent in that increase and anything that you guys are watching from a credit perspective? Thanks.
James Rollins: As I’ve said, I don’t think we’re seeing anything today that’s got any alarm bells ringing on it. So I think the move around in classified assets is just normal move in, move out balance and I’ll let the guys who cover that further. When we look at CECL, I think our model continues to work for us. I think what you saw this quarter was provisioning for growth. So we’re not seeing weaknesses in the portfolio. So we’re provisioning for growth. You guys want to touch on.
