Ken Lovik: The other issue that’s going to make it a little stronger in the first quarter Brett is a lot of those loans that we added in the fourth quarter came on in the last two weeks, everybody was trying to get things done before year end. So we’ll have a full 90 quarter run on those balances, which we only had them for the last five to seven days of the fourth quarter. So that’s part of that those two.
Brett Rabatin: And then the same sort of topic on the funding side, the 60 to 65 basis points. When I look at the current rates, I see it looks like from an NMDA perspective, you’re at 335, maybe retail and maybe 340-ish on the commercial for that, versus the 289 for the 1.4 billion average in the fourth quarter. Can you remind me how much of the money market is retail versus commercial? And then, that those rate, I assume you’re kind of thinking those rates of close to have topped out on the money market, but any color on that would be helpful.
David Becker: Yes. The breakdown is roughly 1/3 commercial — maybe 1/3 to 40% — excuse me, 1/3 to 40% consumer and the remainder is commercial. And we do have two tiers of pricing in there, we do have some that are, if your balance is above a certain amount you’re getting higher rate. But probably the biggest single bucket in there is what we’ll call small business and commercial money markets and those the current rate on that 280. I would say we, again, I know we got a fed rate hike here coming up in a week or expected, possibly another one. But I would say as of late, the pace of increase has slowed down. I mean, we still kind of run what I’ll say, pretty high betas through our model. But the pace of increases seemed to slow a bit.
So I don’t think, obviously, we saw over 100 basis points of increase in the last quarter. Again, think about it yet 125 basis points of fed increases in the fourth quarter, whereas, this could be, I guess, a minimum of 50 and a maximum of 100, depending on your view on what the fed is going to do. So, I mean, just by virtue of, what the fed did is expected to do this quarter versus what they did in the fourth quarter. I would, our forecast suggests that the pace of increase shouldn’t be as high quarter-over-quarter as it was last time.
Brett Rabatin: That’s helpful.
David Becker: And I guess one thing, probably one more thing, I’d probably add to that as we did, you saw the balance of broker deposits go up. And I said in my prepared comments, what we probably pulled forward some deposit funding as well, just because of where the long rates were relative to, again, the short end of the curve continued to go up, we took advantage and did some three, four and five year brokered CDs that what else, at a blended rate that’s lower than fed funds. So, some of that is good for long-term interest rate risk, but also good to give us some stability, pulling that funding forward, as opposed to trying to go out and do more in the fed funds plus wholesale market in the quarter.
Brett Rabatin: And then maybe one last one. I was trying to keep up with the notes. I missed what the commentary around the SBA expectations were, for the full year. Any color on SBA, and I know that’s not necessarily an easy business to predict, given lower gain on sound margins, et cetera. But any color on how much that might contribute to the income this year?
