Nathan Jones: Yes. Non-performing was down about $11.6 million, but there was a slight increase. That’s really an ag credit, and the majority of that is actually USDA guarantee. So we don’t have large concerns there about the increase. We continue to monitor it. We’re watching the economy as well. We follow up with different economies across trying to understand and talking to my peers where we’re seeing weak spots. We just don’t basically see anything at this point that’s systemic to be concerned about. We continue to monitor it very diligently though.
Bryan McKeag: And I think, Jeff, if you’re referring to the table that we have in the back, where we show the ins and outs of non-performers, the $11 million item that ended up in OREO, that went through. So it grossed up the in and the out of non-performers. It was in performing loans at the end of last quarter, became a problem, we jumped on it right away. So in our tables, we kind of flow that as a plus and a minus through NPLs to get to OREO.
Jeffrey Rulis: Okay. So in the new, maybe it kind of shows new non-performers, but it was like a temporary new because it came in and then went out. Got it. Okay.
Bryan McKeag: Yes. It took the new in the reduction both down by $11 million, then I think you’d see what really was the net other ins and outs of the non-performers.
Jeffrey Rulis: Appreciate it. Yes. Okay. Thanks. And Bruce, it sounds like we’ll kind of give you some time on the 3.0, but you did touch on geographies. And kind of taking a look at it, what would be the metrics or the demographics? And not to oversimplify it, but where do you – I mean, I think the answer is efficiency. But anything that you’d lead us into before we get that reveal of kind of geographies that makes sense, some that don’t, in that discussion?
Bruce Lee: Yes. So we’ll get in a lot more detail the next time we all talk. But look, when you look at our footprint, it’s clear that we don’t have scale in a fair amount of our markets. And our long-term goal is both efficiency and growth potential for us. And so we are looking very heavily not only at the branch network, but the actual geography, to make decisions on whether we should expand or we should contract those geographies.
Jeffrey Rulis: Okay. We look forward to the updates. Thank you.
Bruce Lee: I would say the keys for us, it’s all about EPS, it’s all about expense control and what does it do to our TCE. I mean, those are sort of the three things that are always in the forefront of our minds as we’re making decisions about geographies, the branch play that we’ve been talking about as well as span of control and layers of management. Now that we have the charter consolidation done, we can actually execute some of these things, but we had to get the consolidations done so that we could then move to the next phase.
Jeffrey Rulis: Thank you.
Operator: Thank you. As there are no further questions at this time, I would like to turn the call back over to Mr. Lee for closing comments.
Bruce Lee: Thank you, Latif. In closing, HTLF had a solid third quarter. We continue to add relationships, grow customer deposits, grow quality loans, maintain stable credit quality, and drive efficiency. While we remain focused on continuing to achieve organic growth, we’re also focused on reducing expenses, increasing EPS and growing TCE over the next few quarters. We continue to evaluate our balance sheet and capital structure to maximize efficiency and flexibility. And we’re analyzing our expense structure, including geographies, branch footprint, management layers and span of control. We’ll provide more guidance in the fourth quarter. Thank you for joining us tonight. Our next quarterly earnings call will be in late January. Have a good evening, everyone.
Operator: This concludes today’s conference call. Thank you for participating. You may now disconnect.
