Matthew Clark

“Maybe, Ed, can you update us on how much in the way of CDs you have maturing here in the fourth quarter in the weighted average roll-off and roll-on rates that you expect?”

“Just running out the deposit cost conversation, do you have the spot rate at the end of September to give us some visibility?”

“Just on the deposit cost side, maybe if we could just start with getting the spot rate at the end of September and then the beta assumption we should use on interest-bearing deposits, assuming we get one or two more rate hikes here?”

“On that front, I guess it sounds like your kind of incremental spread on new loans in particular is pretty healthy. today. How are you thinking? I mean, it sounds like this NIM expansion is not just going to continue next year, but the year after.”

“And then just on deposit costs, if we could get the spot rate at the end of September, given that large balance that left, and then your deposit beta assumption on the way up here, I think you did 27% on the way down.”