Ben Gerlinger

“Hi, good morning. i know it's a little bit harder to tell with interest rates kind of moving around all the place but what do you think about just the growth between either now or potentially going into next year and i know i know you don't want your next year's guide but do you think there's some fits and starts in…”

“I just wanted kind of just higher level. You guys have kind of alluded to previously, like, adding something within fee income, whether it be kind of a bigger wealth management offering or trust or something like that.”

“So instead of like the mid 35, 36, 37 percent, you're now at 33 on DDA. I'm just kind of curious how you guys think about DDA relative to the mix going forward and kind of juxtapose that against the growth opportunities in the kind of North Florida area?”

“It was the remaining, the previous four, but in general, just how they got better.”

“And then as you kind of think about the branch expansion, it's good to hear the early progress. Is there something we should look for? Is it more NIB deposits? Is it a very similar mix?”