Justin Crowley

“I was wondering if you could frame for us the state of play on the deposit side a bit more. And I think you kind of alluded to this, David, but it sounds like it's your sense of competition, and I suppose yourselves included, moved on rate just in advance of this timber hike.”

“Please go ahead. hey good afternoon everyone um just just want to start out on loan growth um you know i know line utilization can certainly swing around um but as far as the lower origination activity that you called out um you know what would you point to as the driver that are are you seeing more caution on the…”

“Maybe just to start with one for either Sam or whomever, it looks like you saw a little bit of the runoff on the political side, deposit side, maybe just a little earlier than the last election cycle.”

“Thank you. um ron just going back to the margin if i remember correctly um i believe you were going to get another four base points benefit from the uh the terminated swap this quarter so i just want to confirm that that was the case yes it is okay um and then i guess just looking out a little further do you have…”

“But I guess, like, any early read on how you think that margin could behave as we get into next year with, you know, maybe a couple more hikes on the table? And maybe just more thematically, as I know you'll get into formal outlook come January.”