Brian Martin: Yeah. It makes sense. I mean, organic focus is where you guys have been, and it’s been doing a great job. And like you said, all these initiatives, you don’t want to drop the ball on those and get those done. So — and timing is not perfect just yet. So, okay. And then maybe last one for me, maybe for John or whomever, but just as you kind of look at the loan repricing this year, the renewals and the rate increases, I guess, have you taken a look at that portfolio? I guess, can you just give any commentary about how much risk you see in those loans? Repricing is from a credit risk, the renewals getting — absorbing the stress of the higher rates, or you’ve done any type of color on that?
John Martin: I missed kind of the first part. Are you talking about investment real estate specifically?
Brian Martin: Not just in general, in the loan book, the repricing this year…
John Martin: Yeah.
Brian Martin: And the credit just being able to absorb the impact of higher rates as they reprice and just if you’ve kind of looked at that maybe on the chunkier credits.
John Martin: So far, what I’ve seen across the portfolio is that customers have been able to either increase their prices previously and they’ve been able to absorb the changes in interest rates pretty well, quite frankly. You do see it in some — in cases where the higher interest rates have led to slightly higher debt service or higher debt service. But there’s been a series of maneuvers, either through increases of prices or reduction in expenses or something else in the income statement they’ve been able to compensate for. So, yeah, I mean, just see it — you see it, but you’ve got good business owners there figuring it out.
Mark Hardwick: Yeah. And Michele mentioned we have 900 million at a rate of 4.7% that are fixed rates that will mature in ’24. And when we look through those, we’re optimistic about how that helps earnings versus feeling like somehow you move into a credit issue.
Brian Martin: Yeah. I got you. Okay, well, thanks for taking the questions, and a nice finish to the year, guys.
Operator: Thank you.
Mark Hardwick: Thanks, Brian.
Operator: I’m currently showing no further questions at this time. I’d like to turn the call back to Mr. Mark Hardwick for closing remarks.
Mark Hardwick: Thank you, Norma. Yeah, thanks, everyone, for your participation. We’re — we again really pleased with the year that we had, especially in light of some of the challenges that occurred throughout the industry, what people are referring to it as March Madness. And just — it helped to validate this strength and the safety and soundness of our institution. And I think we end the year with a balance sheet that really is in an incredibly strong position that sets us up for success in the future. So again, we appreciate your investment. We thank you for your time and have a good rest of your day. Thanks.
Operator: And this concludes today’s conference call. Thank you for your participation. You may now disconnect. Everyone, have a wonderful day.
