Ron Nicolas: Yeah. So we have got a little over, probably, somewhere in the neighborhood of about 33%, 34% of pretty active repricing of the book, the portfolio with the benefit of the swaps. If the Fed is done, we will still see a little bit more of that trickle in as we move into the fourth quarter, not all of it moves — all — some of it move over a couple of months’ timeframe and that so we could see a little bit of lift there. There were some noise, of course, between the second quarter and third quarter on the loan yields, the interest accrual being one of them that we have already talked about, the reversal, I should say, of the interest on the SNC. And but for the most part, we will probably pick up just incrementally on the new loans coming on the book and see where that goes if the Fed pauses on a more permanent basis. We will see how that, that’s where we are very focused on the deposit side and managing that deposit cost.
Chris McGratty: Okay. And then maybe if I could on the net interest income. You are thinking about the trough, we have got moderating loan decline, the spot deposit rate was pretty unchanged to the quarter average. I feel like we have got a couple more quarters, is that some kind of how you are thinking about trough in revenues?
Steve Gardner: I mean, I will jump in here. I mean I think it’s generally how we are thinking about it. Let’s see how things play out, whether it could be sooner or beyond that point. I think just there’s a lot of different dynamics at play going on in the market and the economy and certainly on rates and it’s dependent upon the flows from both the deposit and loan side. So a lot of moving pieces, but I think it’s reasonable to think in a quarter or two.
Chris McGratty: Okay. Thanks, Steve. And then, Ron, last one, the tax rate, how should we think about prospectively?
Ron Nicolas: It’s — we have been hovering right around that 26% and I think that, that’s pretty consistent of where we will finish here in the year.
Chris McGratty: All right. Great. Thank you very much.
Steve Gardner: You are welcome.
Ron Nicolas: Certainly.
Operator: [Operator Instructions] Our next question comes from Gary Tenner with D.A. Davidson. Please go ahead.
Gary Tenner: Thanks. Good morning. I wanted to revisit that loan yield discussion for a moment ago, 6-basis-point contraction in loan yields. By my math, about 5-basis-point of that was the interest reversal and maybe another couple of basis points from lower loan discount accretion. So that kind of gets you back to quarter-over-quarter. I am just wondering, I mean, there was some mix shift within the portfolio, but just — I would have anticipated maybe a bit more lift this quarter. So is there some other kind of drivers or a function that prevented that or is it just more of a timing issue?
Ron Nicolas: We had some loan sales last quarter that impacted this quarter. They were a little bit higher in terms of their yield and that came into play probably another 5-basis-point or 6-basis-point — 4 basis points or 5 basis points, let’s say. And I think, Gary to your point, that’s why you didn’t see as much lift as you would have anticipated.
Gary Tenner: Okay. Appreciate that. And Steve, I am curious, last quarter, I think, you made a comment that you were a bit more comfortable on lending from a credit perspective, but still not from a pricing perspective. Obviously, the new loan origination yields moved quite a bit this quarter albeit on a kind of smallest dollar amount. I was just curious to what degree or how your view of the world maybe has changed from a credit risk perspective over the last, call it, 90 days?
