Kelly Motta

“You know, piecing together the outlook for loan growth coming in a little bit weaker with with auto being a higher yielding category just wondering um as we think through the outlook ahead for specifically loan yields if there could be some pressure offset offsetting the the um rate hikes from just a change in mix and…”

“I'd like to kick it back to loan growth. Commercial in particular has been incredibly strong all year and especially in Q3.”

“Just wondering if you could provide any color commentary around the drivers of non-interest-bearing growth and what you saw from that channel and your expectations for the continued cross-sell of that ahead.”

“Thanks for the question and congrats on getting the deal done quickly. and the conversion done quickly. I'm sure that's a great feeling. Well, it's a good feeling.”

“Maybe to kick it off, you know, the margin clearly a highlight and even, And, you know, if you exclude those loan fees, definitely came in well above where we had expected with what it sounds like some expansion ahead.”