Peter Winter

“Just, Pat, if I could go back to the margin, when you talk about stable to modest in the fourth quarter and first quarter, Is that the reported 318 or off the core NIM of 308?”

“You guys have had a lot of success recruiting bankers. I'm just wondering, can you talk about the recruitment pipeline?”

“Are you starting to see more willingness to drill as energy prices really might be staying at these elevated levels for longer?”

“You know, the outlook for the second half of the year assumes no rate changes. But can you talk about how your position, if we do get one or two rate hikes, and then second, on page nine of the presentation, you mentioned that, you know, due to competitive pressures, it could pressure the margin.”

“You know, the outlook for the second half of the year assumes no rate changes. But can you talk about how your position, if we do get one or two rate hikes, and then second, on page nine of the presentation, you mentioned that, you know, due to competitive pressures, it could pressure the margin.”