Christopher Maranak

“Just wanted to ask about a scenario where deposits grow faster than loans. And would you tend to kind of put the exo-fluquidity just in the short-term cash, or could you do more in securities portfolio over time?”

“I wanted to ask about the regulatory environment possibly changing in future quarters, and would that open up any opportunities externally for citizens?”

“And Steve, I just want to go back to the deposit comment you made a little while ago about the near 3% all in. Does that number go up further from here this quarter, or can you manage it to be about the same?”

“I want to go back to the deposit growth and kind of cost of deposits. And I'm curious, Jamie or Kevin, how often are you seeing exception requests on deposits? Or is the growth and the pricing more a function of just the sheer movement from new producers?”

“Just want to continue the capital question one more round. What does capital look like at the end of fourth quarter with the transaction completed? And I presume that you'll still incrementally grow just because of retained earnings as well.”