David Feaster

“I just wanted to start on the funding side. You know, you've got a huge advantage being in Hawaii and the kind of the closed loop nature of that market. Funding costs have continued to come down.”

“Obviously, we've got the temporary deposits that you called out. got some seasonal strength, but I mean, core deposit growth was just very good. I wanted to get a sense of what you're seeing that's driving that.”

“I wanted to start – maybe let's start on the capital side. um look you got a fortress balance sheet right obviously that's a huge advantage a high quality um issue but you know just given your profitability you're going to continue to accrete capital quickly even even as growth accelerates back towards a mid single…”

“I wanted to dig a bit into the deposit growth. Really, really strong. Obviously, there's some seasonal dynamics. Nice tailwinds from the small business campaigns.”

“I just wanted to follow up kind of on that same line of question. Just, you know, we talked about the increase in production. I'm just curious, what are you seeing as driving that?”