Bryan McKeag: Yeah. I think our DDAs are 36% the way we calculate it. I know if maybe you’ve got average balances or something, Dave. But I think it’s 36%, but that’s down a little bit from where it was. So that has moved a little bit this year with the way deposits have flown. So I think — we think that, that can probably solidify and some of that outflow that we saw at the end of the quarter was out of DDA in the commercial side. So hopefully, some of that will flow a little bit and build back. And I think the new customers that Bruce was talking about, if we’re successful in bringing in C&I customers, which we have been, those tend to be more DDA and non-interest-bearing accounts. So I think there, we can hold our own and maybe grow just a little bit on the DDA side and certainly grow the non-maturity deposits in total. Betas that we Go ahead, Bruce.
Bruce Lee: No, go ahead.
Bryan McKeag: I’ll finish with the betas and then you can jump in and add some color. I was just going to say, our betas that we model are typically around 25% to 30% on the non-maturity and probably around 80% on the CDs, kind of blends together for something in the mid-30s for overall betas. Now we’ve been doing better than that. Particularly, we did better than that in the first probably 200 basis point, 250 basis point move where we didn’t move much, if any. So I still think we have some catch-up, which is why I think our margin is not going to go a lot higher and it’s going to kind of tread water here because we’re probably going to be having some catch up on those betas here going forward.
Bruce Lee: Yeah. And David, I was just going to mention on that commercial deposit growth, that will also help us on the treasury management fee side because those operating accounts of all those new relationships, we’re able to provide them with our products that we have on the treasury management side as well as those C&I customers are using more of our capital markets products, whether they’re swapping their floating rate loans, which this quarter, 79% of our loans were floating, which is an all-time high for us.
David Long: Got it. Thanks for the additional color. And then just the last thing I wanted to ask, back to the deposit side. Within your footprint, very broad-based footprint, do you notice any material differences in deposit pricing within your footprint? Are you getting better pricing out West, maybe in the Midwest, maybe Texas? I guess the question maybe specifically would be where do you see the least amount of deposit competition and where do you see the most competition?
Bruce Lee: I think the Midwest always has had more competition than the West. I mean that’s been the history and you’ve heard us talk about that in the past. But I would tell you, the one market that probably we do the best in, is in New Mexico. That would — and it’s not so much that there’s no competition. It’s just we’ve got a great team out there. They’ve been there a long time. And there aren’t as many credit unions as an example, out there. Where we are seeing the highest competition is where there’s significant credit union activity, which also tends to be in the Midwest.
David Long: Got it. Thanks for taking my questions, guys Appreciate it.
Bruce Lee: Your bet. Thanks, David.
Operator: Thank you. As there are no further questions at this time, I would now like to turn the call back over to Mr. Lee for remarks.
