Randy Chesler: Yes, let me take the first part of that and then Byron if you want to take the thoughts around the pay down. Couple of things, David. Number one, we’re very happy that the bulk of this is — bulk of the growth is existing customers. And so, we’ve always had very good relationships, we had a decade of being very passive about look — reaching for deposits. That’s all changed. And so, the team has really done an excellent job leveraging what we already have, which is the relationship with the customer to pull that in. We include repos as part of when we include deposits, we just view that very much as a secured deposit. And so, when you look at total deposits from our perspective, deposits and repurchase agreements, we were up.
And we did use a fair amount of technology with our marketing platform, that really allows us to target within the portfolio of the customers that we think are good candidates to make an offer to, in terms of increased rate. And being careful not to cannibalize a very, very solid foundation and stable sticky deposits. The core — the new accounts. I mean that’s something we’ve done for decades, it’s our continual focus on bringing new accounts into the bank with a very attractive low barrier product, for both business and retail, free. It works very well and with the in-migration numbers that I kind of touched on at the beginning, we’re still now at a lesser rate, but we’re still opening a lot of new accounts from people from California, Texas and other markets, that’s part of that 4,000 new net new accounts, we opened.
And we are — have an increased emphasis now on bringing deposits with those new accounts, that’s the $262 million in new deposits. Last thing I’ll say, and I’ll hand it over to Byron to, kind of, touch on the thoughts around the pay — paying down the debt is the lending team has done an excellent job with all that — with every commercial loan and residential loan, really asking for the deposit relationship, along with that. So when we took a look this quarter more than 80% of loans made, we had a deposit relationship with the customer. So that’s really the, kind of, a three-pronged strategy, that will continue to pursue that’s worked very well for us, and we feel like that strategy will be continued to be very, very effective. Byron, you want to touch on the pay down thoughts?
Byron Pollan: Sure. Yes, David, I do think that we’re going to have an opportunity this quarter to chip away at our wholesale brokered deposit balances. We’ve, of course already paid off our FHLB borrowings. So made as much progress there as we can. But to the extent that we’re able to see some of these early signs in July, the seasonal trends, and the good flows that we’ve seen so far month-to-date in July. If those were able to stick and continue through the rest of the summer, as we expect they will, that will give us some flexibility to pay down some of our of our brokered CD balances.
David Feaster: Okay. That’s helpful. And then maybe last one from me, just touching on the growth side, it sounds like the majority of the CRE growth was construction and you guys had, kind of, alluded to that before. I’m just curious maybe, the pulse of your clients at this point. How is demand exclusive of those construction fundings in the pipeline, and where a new loan yields and just what’s your thoughts on growth going forward and your appetite for credit?
