Mark Secor: Yes, Brian, we still expect it to be under the 2% and also maybe in the range of $185 million, $195 million. We’ve — as it commented, we kept expenses lower this quarter, some due to business cycle reduction in staff in those business cycles that are slowed. We — that’s going to flow into the first quarter. A lot of the reduction was done right at the end of the year. So that’s going to give some kind of help to expense control. And then just overall, just in this environment, a hard look at controllable expenses and wanting to be as cautious as we can on where we’re spending. So we anticipate that expenses should be in that range coming into 2023.
Brian Martin: Got you. Okay. Thanks, Mark. And then just the loan pipelines, unless I missed it, just kind of your — if someone, I guess, can you just give a little color on just kind of the different buckets, the consumer, the commercial and the residential, just kind of how you’re thinking about growth for 2023 and just kind of the pipelines where they are today?
Thomas Prame: Thank you for the questions. This is Thomas and I’ll pass it over to Noe or Lynn to give some color on the individual lines of business. Overall, as we exited the fourth quarter, our pipelines were strong. Quite a little bit stronger in the commercial side. The consumer side has seen the cyclical portion of the fourth quarter and also the adjustments that everyone has seen across the marketplace in mortgage. But our pipelines overall look like they’re well positioned and continue the mid upper single digit loan growth throughout 2023, but I’ll pass over to Noe to give some additional color.
Noe Najera: Yes. Good morning, everyone. This is Noe Najera. Yes, our consumer pipeline has remained consistent. We are at a cyclical as well. In direct, we expect to remain flat for the most part. We are going to see some single digit growth in direct consumer, primarily in the HELOC portion of our portfolio. On mortgage, we will again remain in low to single digit growth expected in the first quarter as well. And we will mimic really the industry standards that’s being published in the forecast as well.
Lynn Kerber: This is Lynn again. Concerning commercial, as we indicated in a deck, we’re positioned with a pipeline of $134 million as we go into Q1, 2023. This is on — following on for the Q4 quarter, which was $126 million gross pipeline. So pretty consistent, a little bit better actually than what we had maybe anticipated for first quarter with all of the interest rate increases. Overall demand has been pretty good. I will say that with the rate increases, as far as new projects, those are getting a little tighter for some of the developers. But at this point, the metrics are working and we’re seeing some continued demand there. So a little over 10% annualized growth in the fourth quarter. For 2023, we’re looking at high single or mid-single digits. So we’re looking at that perhaps moderating a bit with the rate environment and the economy, but overall it’s been good growth and good demand. And we’re continuing to entertain new packages.
Brian Martin: Perfect. Thank you for the added color and maybe just the last one or two for me. Just on the mortgage side, I don’t know if it’s Noe or who, but just kind of the dollar amount that we saw on the gain on sale this quarter. I know the expectations relative to the peers is likely to outperform, but just kind of in dollars how we should be thinking about the mortgage operation this year? I mean, is this kind of a base to build off of in fourth quarter, I think it’s just over — a little over $1 million or just any thoughts on your outlook on mortgage?
