David Long

“Hey, on the deposit side, just curious what you're seeing on competition, both from your retail deposits, from the HSA deposits, does it differ across the different platforms? and is the pricing that you're seeing, do you feel like it's rational?”

“On the growth expectations from the HTLF franchise, I understand, you know, you're fully in one organization now, but when you just look at the HTLF growth that you're expecting from that organization.”

“As it relates to your charge-offs for the quarter, I think the number was a little over $20 million. You had a few million from the properties that you've been talking about, those seven properties.”

“But, you know, we talked about M&A, and I understand you guys have an excellent organic growth opportunity in front of you and fully taking advantage of it.”

“And then in the quarter, the obvious, you know, obviously on the funding side, real nice change in the mix, your funding, your deposit costs in particular came down, what wiggle room do you have on the funding side and the deposit side to still lower those costs, giving you an opportunity to continue to beat this…”