Jeff Rulis: Aaron, expectation of growth in the — outside of that — let’s just exclude the cost saves, but just standalone Columbia, are you in kind of a 3%, 4% or 5% kind of growth for ’23?
Aaron Deer: We’re probably — I would say, 2% to 3% is probably more in the range of what I’d be thinking.
Jeff Rulis: Okay. Got you. Okay. And then, I guess, similarly looking at growth — loan growth that is and understood on some of the puts and takes competitively and within customer movement, your own appetite, also if you layer in, I don’t know if you’ve got visibility on payoffs or paydowns, but kind of where you budget on a 2023 growth expectation for the Columbia standalone?
Chris Merrywell: Yes, Jeff, this is Chris. I think the visibility to it, there’s always payoffs, paydowns, there’s normal amortization, et cetera. Just put it in the kind of normal course of business right now with the interest rate environment where it is, your unforeseen payoffs are less likely. You may still see some business sales or some things like that, but we’re pretty comfortable where we are on it. I would look at overall low- to mid-single digit. I don’t know that I would go much over 5% on that as far as the mid. But you’re in that space kind of with the market dynamics where they’re at and what we’re looking at. But again, our bankers are seeing lots of opportunities and it’s just a matter of which ones make the most sense to put onto the balance sheet. But low- to mid-single digits is, I think, a comfortable spot to be.
Jeff Rulis: Thanks, Chris. I’ll step back.
Operator: And thank you. And our next question comes from Jon Arfstrom from RBC Capital Markets. Your line is now open.
Jon Arfstrom: Hey. Hello, everyone.
Aaron Deer: Hey, Jon.
Clint Stein: Good morning.
Jon Arfstrom: Hey, I don’t know if you’ll answer this one, but I’ll give it a shot. On Slide 30 of your presentation, the last bullet shows core expense run rate communicated. And if you go back to your original deck, you talk about $135 million of full run rate savings with two-thirds of it in ’23. How do you want us to think about the timing of the cost saves given that your systems conversion is going to occur at the same time than you originally planned?
Clint Stein: Yes. It’s a great question. Just given the passage of time with the protracted approval, we’ve identified the full $135 million. Typically, the timing of when those are realized is some immediately at close, and then usually there’s another wave of those somewhere between 30 and 60 days post systems conversion and integration. So, we’re shooting for a clean run rate for fourth quarter of ’23. So, we would expect that all $135 million is fully implemented sometime within the third quarter. Kind of how that flows between first quarter, second quarter? I don’t have that in front of me. I don’t know if Aaron does specifically. What I will say is that we’ve had some of that has actually been realized just as some of the attrition that we’ve had from an employee standpoint, where centered-in positions that will not go forward. And so, there’s a little bit of that that’s already in the run rate, I’d say. I don’t know if you want to add anything to that, Aaron.
Aaron Deer: No. I just think — I mean, the thing that’s changed is maybe the order or the timing of when the various saves are realized. But in terms of the end date of when we expect to hit a good run rate, as Clint said, that expectation of hitting that by year-end remains.
