Justin Bigham

“Yes, Marla, we don't have any consolidations planned at this time, but obviously, we have very detailed information about each one of our branches, geography, the markets that they're in, the customers that they serve, and we do monitor that regularly and should something present itself, we would certainly consider it.”

“I just returned from touring our locations, and the feedback regarding the branch designs has been very positive. I saw a customer come in who was pleasantly surprised to sit down in an office to conduct her transaction, leading to a great conversation and ultimately expanding her banking services with us.”

“Things are progressing really well with the new structure. It takes time to adjust and start developing strategy while considering the changes and our approach to community banking.”

“I think literally midyear is about the timing for these. And that's our expectation. We don't anticipate any further delays. Those projects are on track. If you think about the red-yellow-green approach to project management, they're green and I have every expectation that they'll be on time.”

“2020 really was a year of strong performance across an array of key outcomes, most importantly, the fundamentals which is well measured by pre-tax pre-provision, which increased over 8% year-over-year.”