Robert Harrison: Yes. Maybe I’ll start-off with that and ask Ralph to jump in and help me out on some of dollar details, but the dealer floor plan, we don’t have a huge difference and I go back to 2019. I don’t think it’s a real significant difference in the amount of lines available to our customers. There’s been some ins and outs increases decline. Some customers actually selling their business to other of our customers or outside of our network, but there hasn’t been a big change in the total of commitments. The mix in Hawaii stayed €“ the amount in Hawaii stayed pretty constant over the years, while the growth has been in California. So, as I mentioned earlier, the higher percentage of our lines are in California relative to Hawaii.
I don’t have that percentage. I’ll ask Ralph to comment on that in a second, but when you look at the growth in the fourth quarter, much of it was from California. It was were draws under the California lines. So, the that are getting delivered in Hawaii more of a backlog and that sort of thing, hard to tell. What I think you’ll see is, as we go into 2023, we will see outstanding’s relative to the total. To the greater question on what the total is completely is I might have mentioned earlier, we’re about $400 million less in outstanding than we were at the end of 2019. I really don’t think we get $400 million increase in 2023, but I think we could see some substantial growth off of where we are today. Clearly the manufacturers are figuring out production issues and chips are more available, demand is down slightly, although we still have a pretty good backlog to a lot of our dealers that are people that have ordered cars that have not yet been delivered.
So, it’s really hard to pick when supply lines unlock and cars get delivered and do people follow us around the reservation commitments they’ve made or give that car up to somebody else. All that’s going to be the flex, but I think we’re going to see healthy growth in 2023, just based on our existing customers. But Ralph, do you have any specifics you could add?
Ralph Mesick: Yes. I’ll just to give you the numbers. The mainland portfolio, is about 310 million, Hawaii and Guam about 146 million. So, most of that growth, as Bob had mentioned, came in the mainland.
Laurie Hunsicker: Got it. Perfect. And then can you just remind us what the coupons are right now? Any loans coming on there?
Robert Harrison: Generally, we’re LIBOR plus, SOFR plus, a 1% plus margin and it varies by customer, but everything is over
Ralph Mesick: About today.
Laurie Hunsicker: Perfect. Thank you. Thank you. Okay. And then just going back to the funding side for a moment, you obviously had some increase there in the public funds, the 1.9 billion, how much of that is time versus your second transaction? And how are you thinking about where that book goes?
Jamie Moses: Yes. So, on the public side, just under a billion was time and the rest was demand and savings accounts. I think €“ it’s hard to say, Laurie. I think that we will use the public markets there to, kind of plug any holes that we fill or that we need to fill in terms of on balance sheet loan growth that aren’t quite filled by the securities portfolio run-off. So, that sort of number is going to be entirely dependent on our loan growth and our ability to gather other deposits. So, that’s kind of how we’re thinking about it right now.
Laurie Hunsicker: Okay, perfect. And then Jamie or Ralph, can you share with us where is your spot margin for December, if you’ve got that?
