John Armstrong

“And then maybe Dave or Tim, I appreciate the comments on the variable rate loans. It's what I thought. But the other side of it, can you just comment a little on the deposit pricing environment?”

“Kevin, just one quick one on loan growth. You talked a little bit about late payoffs in the quarter. Can you help us kind of understand the size of that?”

“Hey, other side of this on the fee income guide, can you talk a little bit more about your confidence in the higher end of that or above and what's driving it? Just kind of what's the other side of the revenue guide?”

“Tim, maybe a question for you, just follow up in your prepared comments. You had just really strong deposit growth for the quarter, and I'm curious if there's anything you would call out in terms of what's driving that growth, and then any updates on your outlook for expected deposit pricing from here.”

“Maybe for you, Tom, anything else to note on the C&I decline? You flagged the Q4 utilization, but anything else to note on commercial lending pipelines and what you're seeing there?”