Tim Switzer

“Sounds like good progress on the partnership side, announced on H&R Block and Claire and some other ones recently.”

“How has deposit competition in your markets trended so far? Is it mostly in line with your expectations or a little bit more promos than you would have expected or rate increases?”

“A quick follow-up on your comment about the risk weighting here. What's the process like for getting a lower risk weighting on your RPP loans, and is there any timeline on when you think you can get approval for that?”

“When you take a look at our capital ratios, they're all in line with what we consider a more than adequately capitalized bank.”

“The first one I have is on net interest margin or maybe more appropriately NII for you guys, but how should we think about the trajectory of NII going forward and the potential impact of Fed rate hikes and what's the impact of higher rates on your loan yields now that that portfolio has kind of changed a little bit?”