Thomas Broughton: Yes. We are always constantly talking to people. And we — again, we’ve been fortunate enough to be able to hold the headcount pretty much flat on a year-to-date basis. Maybe we’re up 1% annualized or something like that. And we — you got to hire the risk management people, the regulators never sleep. So we always have to be adding to staff in that area. So that’s just part of life. And so we have to try to look for other efficiencies. And we — again, as I’ve said, this is a year to kind of get the right people on the bus and get the right people off the bus perhaps. And we’re trying to find ways to be more efficient because we’re going to have to continue to add risk management people. So that is something we’ve worked hard at.
We are talking, always constantly talking to people, but we have filled out our staffing on all our existing offices, as I said, that we feel good about. And Bud said about where we are with the staffing in our existing officers, but we hired somebody last week. I mean we hire somebody just about every week. There’s production person, the right person, the right team will hire them tomorrow. So we’re not in a turtle mode, obviously, in our turtle shell. So we’re always looking and we’re always talking and the right group, they’re welcome aboard tomorrow. So…
Kevin Fitzsimmons: Got it. And Bud, one last one for me. So you — capital is obviously strong. You mentioned that you added to securities this quarter. Some banks have indicated they’re evaluating potential bond transactions where they clear the decks a little bit, be able to put money to work at higher rates, maybe alleviate the AOCI issue. Is that something that is on the radar for you or not necessarily?
William Foshee: No, Kevin. We did some of that cleanup last year. I don’t remember how much now, but we did free a bit of that. So yes, we don’t have any plans to do that for this year.
Thomas Broughton: We just think our bond portfolio is so short. We think they’re just going mature at par. They are going to mature at par. So I realize that some people have a much more difficult. We have a very modest losses in our portfolio. So we don’t feel like we have — and we don’t have a long duration. So we don’t feel the need to do anything. We think if you did something even as modest as ours is, and you booked to a $50 million off and then interest rates fell 100 basis points in 6 months, I’ll feel a little bit foolish when we could have just waited to those bonds. I mean I realize you’re putting on securities at a higher yield, but I still think the preference is to let bonds mature at par.
Operator: Our next question is from Steve Moss with Raymond James.
Stephen Moss: Maybe just starting on the — maybe just circling back on the margin here. Just curious like where are you seeing loan pricing these days for new production?
William Foshee: Yes. New loans for June went on at 8%. So that’s — yes, that’s a good starting point. That’s a blended rate, but 85% of that is favorable rate.
Stephen Moss: Okay. Got you. And then in terms of just as we think about the loan. You guys are a little more constructive on loan growth going forward here. You’ve run down your construction portfolio a bit Curious, is that an area you expect to grow here in the next couple of quarters? Or should we be thinking about more C&I or CRE weightings? Just kind of curious as to how do we think about that dynamic?
