Christopher Marinac

“Chris and Pat and team, you've wanted to have a large reserve for a long time, so you're finally here. I guess my question is, should we think of this as a permanent change, number one, and number two, is the extra tangible book dilution something that you can kind of make up for relatively quickly?”

“Chris and Pat and team, you've wanted to have a large reserve for a long time, so you're finally here. I guess my question is, should we think of this as a permanent change, number one, and number two, is the extra tangible book dilution something that you can kind of make up for relatively quickly?”

“Dennis and Matt, wanted to go back to the core bank. And I guess I just want to get a little more background on sort of the margin change this quarter. Is that something that can go back?”

“I just want to go back to deposits, and I'm curious on how if you see changing behaviors on deposits. I know we talked a lot about the rate and the impact earlier, but just curious if you're seeing more rate shopping or you're having more exception requests.”

“Just a quick question on the interest rate environment. The fact that rates have moved since the end of March, does this make this decision easier for you to execute?”