Brendon B. Falconer: I think we’re in a good spot and that we really never released a lot of the excess reserves we carried in through COVID. We’re continuing to put a pretty severe economic scenario through our model. So it’s difficult for us to sit here today to think about a more adverse scenario coming through in reality. So we think provision is limited to portfolio changes and growth. And in terms of charge-offs, I think we’ve had a good run. I don’t know what normalized charge-offs looks like. And going into next year or what the economy might provide to us, but I do think we have a significant amount of coverage on the PCD book that came over from FNB to 2% to 5% reserve against that book. So I think that will also go a long way in offsetting incremental provision expense associated with the merger.
Christopher McGratty: That’s helpful. But the reserve at 98 bps, what’s the — I can do it, but what’s the — how do you view like the fully loaded reserve with the 5% mark on FMBI? Like what’s the real metric you guys are tracking internally as like — in terms of coverage?
Brendon B. Falconer: If you think about the — I’m not sure. So if we think about the entire the $102 million of additional discount and credit overall, it’s a 1.4% number.
Christopher McGratty: Okay, got it. Thank you.
Operator: Our next question comes from David Long with Raymond James. David, please go ahead.
David Long: Good morning everyone. My question — first question here is related to funding loan growth and loan growth, you’ve got a pretty decent expectation for 2023 with the potential for some deposit outflows, how do you look to fund that growth, it looks like securities you’ll get a little bit there, but that may not close — fill that whole gap?
Brendon B. Falconer: So we have opportunities in the mortgage book and the indirect book to an asset liquidity in those forms in addition to the investment portfolio. We also have a lot of wholesale funding capacity. And that said, we are still out there fighting hard for deposits, and we’re going to work hard to maintain those levels. And as we go through, we — granted, it’s going to be a tough environment, but we’re certainly not giving up and we’re out there playing often. So — the combination of those three items is how we’re going to fund it, we’re confident we have enough liquidity to make sure we support the commercial team and the growth of that book.
James C. Ryan III: Yes, I think we’re defending our deposit base quite well. The ones and getting more aggressive where we have to. And you saw some of that repricing happened this quarter, consistent with the rest of the industry. And I feel confident in our ability to raise deposits. Deposit gathering is a large component of the goals in every one of our lines of business, and we’re adding net new clients in every business. And so I feel confident in our ability to raise deposits as we need them, David.
David Long: Okay, alright, great. And then you gave some commentary around the deposit service charges and the changes in some of the — your products there. Is the fourth quarter number a little over 18 million — is that the right run rate, is it fully baked in, or is there still a little bit more out of that to get to the right run rate into the first quarter?
Brendon B. Falconer: Yes, the service charge line has more than just the NSF fee items in there. It’s only one month of the NSF related changes that have been baked in there. But I think if you look back at sort of a couple of quarters average, it’s probably a better view of — if you look at Q3 would be a better view of sort of more stable business and typical service charges.
