So I would say, all in, we’re going to stay somewhere in the first quarter between $3.60 for sure and maybe $3.65 on the top end. For the full year, if the Fed doesn’t reduce rates in the last half of the year, maybe we get one additional, so we’ll get two bumps instead of one. I think we can stay above $3.60. But we probably are close to topping out. Now, we might go up a little bit with the Fed move, but I think we’re going to slide back down. So we might touch a little bit higher, but I think we’re going to bounce around this $3.65 to $70 maybe once in a while. But then I think long term, we’re in the $3.60s.
Damon DelMonte: Okay. That’s helpful. Thank you. And then with regards to the outlook for loan growth, I think you said like 6% to 8%. Are you seeing greater opportunities on the C&I side or the security side or is it kind of equally weighted?
Bruce Lee: Yeah. This is Bruce. Let me take that, and then I’ll ask Nathan to weigh in since he sees everything. I think there’s more opportunity right now on the C&I side. And our Agribusiness group is also generating a lot of opportunity. There’s some activity clearly on the real estate side, particularly in the industrial space, some of the warehouse some distribution and a couple of the markets still has some multifamily activity going on. Nathan, do you want to add to that?
Nathan Jones: Yeah, Bruce, I would fully concur. I think the opportunity is really to show themselves on the C&I side and then where we’re seeing opportunity on CRE and being very strategic. We do see some good opportunities there as they’re coming about, but they’re just not as prevalent as they had been historically. Currently, because we’re just watching a little bit tighter now and taking precautions appropriate for sizing and doing sensitivity to make sure that they’ll perform through the cycle.
Damon DelMonte: Got it. And then kind of a more technical or detailed question here. What is your exposure to office space?
Bruce Lee: Nathan?
Nathan Jones: Yeah. We have just a little bit north of $450 million exposure there from a balance perspective.
Damon DelMonte: Okay. Perfect. Okay. Great. That’s all that I had. Thank you.
Bruce Lee: Thanks, Damon.
Bryan McKeag: Just to add maybe on to that office close, Nathan, you might add where those offices are typically located because I think office can be a very general term. Is it downtown high-rise office space? Is it more low-rise suburban. Could you give a little bit of that color? Nathan, I think that would help everybody on the call.
Nathan Jones: Yeah, absolutely. Just by nature of kind of where we are located in our footprint, we really see kind of more focused outside of the potential business districts and more focused kind of in the suburban office kind of really looking at more of a granular portfolio, multi-tenant nature, amortizing, and we think they’re well underwritten. So far, we feel very good about where we’re at, but we are walking in very diligently and kind of continuing to stay in front of them talking with our customers and making sure that we understand kind of where they’re at, and so we can make those decisions earlier. But from that perspective, we do feel the performance today still looks pretty good.
Bryan McKeag: Thanks for doing that Nathan.
Operator: Thank you. Please stand by for next question. Our next question comes from the line of Jeff Rulis with D.A. Davidson. Your line is open.
