Kevin Riley: I think is just a migration from watch to substandard. But the good news is that the leading indicator watch didn’t go up that much. So it’s just a normal migration sometimes.
Marcy Mutch: Yes, there was nothing unusual. Kind of a few upgrades, a few downgrades, nothing unusual in the quarter.
Andrew Terrell: Okay. Got it. And then just looking through the presentation, it looks like the slide on loan portfolio repricing was removed this quarter. I know it was in the last quarter presentation. It feels like the repricing kind of opportunity for you guys over the next year or so has been a big part of the narrative recently. Any reason specifically for removing that slide from the presentation? And can you just remind us how much in either adjustable or fixed rate credit you’ve got that reprices or matures over the next 12 months and what the yield pickup could look like?
Marcy Mutch: So Andrew, we were really seeing that, that slide was creating a lot of noise. When we looked at the variance in where folks had our NII we believe that was attributed to that. So we are just going back to saying, here’s what we expect earning assets to be. Here’s where we expect NIM to be. Here’s what we think deposits are going to do. So that was the reason for that because we think it was creating a lot of confusion and noise. In terms of variable, it’s just over 20% of the loan portfolio and fixed is about 60%.
Andrew Terrell: Okay. Totally appreciate that. Then last question for Kevin, just on the guidance for loans to be flattish in the coming quarter. Just wanted to get a sense of how much of that is a result of kind of slower growth across the industry right now versus you maybe being a bit more selective on the incremental credit you’re willing to put on the balance sheet?
Kevin Riley: Well, we’ve always been selective when we refer the balance sheet. But I will tell you that the main reason why it’s flattish is just due to the fact that we believe that there’s not a lot of robust activity taking place right now in our markets, things are slowing down. So it’s just a sluggish environment right now.
Operator: Your next question comes from Zach Westerlind from UBS.
Zach Westerlind: It’s Zach on for Brody. I just had a quick one for you. Are you able to share the amount — the dollar amount of loans that are going to reprice over the next 12 months and any yield pickup associated with that?
Marcy Mutch: So Zach, as Andrew just noted, we did take that out of our presentation. I really think that we’re going to give earning asset guidance and NIM guidance and let you guys sort that out.
Operator: Your next question comes from Jeff Rulis from D.A. Davidson.
Jeff Rulis: Just wanted to go back to credit for a minute. I just wanted to — obviously, the jump-off point from 2Q on the nonperformer increase pretty firm that you’d see some improvement. Just wanted to see if that’s largely complete or we talk about from 3Q to the [Indiscernible] Potentially further NPA or criticized balance declines? Or was that largely cleaned up from the second quarter?
Kevin Riley: I would say that we see things really stable to maybe a slight improvement going into the fourth quarter. We do not see where it should deteriorate. So I would say stable to slight improvement.
Jeff Rulis: And then kind of doubling back to expenses. Was there anything onetime in there? I mean, I know that you mentioned Q2 was a falloff in comp that was expected. But — and I guess, you’re pointing to a similar level in Q4 as you had in Q3. But anything kind of on the lower ebbing that might come back up?
