ABCB
#Outside of ---+ somewhat, yes.
Our footprint really goes to just down south to Ocala, but we've hired some producers in Tampa.
We are doing something in Charlotte.
We would look close ---+ let me say, close to the footprint.
I don't think you'll see us in Boston, or out west in Dallas, or San Francisco, but close to our footprint in Southern states, I believe we would be willing to do that.
We finished with 10 SBA bankers, and we're looking to get that to 15, and so the idea that we might have to go a little further out of our footprint, like I was saying, I think we're okay with doing that.
I would point out that we're still well within the guideline number and I think, <UNK>, it was 207% at the end of the quarter CRE.
So from the standpoint of concentrations, we've managed to well within the guidance.
So overall, the risk profile is not what it was in our bank in the last downturn.
And C&D was less than two-thirds of the guidance.
So from a macro level, we're in a really good place, if we wanted to get more aggressive in a particular market, or with an M&A target that was concentrated, we have the flexibility and the leeway to do that.
I think ---+ I don't know that we've seen any signs of a particular market we're in, that alarms us.
Clearly, there's segments within the market that we see overheated, and that we've avoided, and that would vary by market, but we've also seen ---+ and multi-housing is one of them.
But we've also seen a couple of those deals that ---+ and markets that made us pretty excited.
So overall, we're in a really good place.
We don't see any market that's a big concern at this point, with our portfolio.
Generally, I don't know, it's just trends in NSFs and debit interchange.
A lot of times we actually even see third-quarter debit interchange higher than the fourth quarter, when you think there would be more transactions.
But for us, generally, the third quarter's been our highest quarter.
This quarter, we did change, and we mentioned it in the press release, we tweaked a few service charge routines, and that's what drove service charges a little higher.
We made a comment before about what that was, and that was, we initiated a small service charge for paper statements.
And so I think over the next couple quarters, that might trend a little lower, as those customers select online banking, and don't select the paper charge.
But for now, that's what drove that a little.
That's what drove that in the third quarter.
The dollar level should stay flat, maybe move up a hair, but not enough to drive anything.
In that the source of liquidity would be the mortgage pool, versus securities.
Probably $200 million a year is a good assumption.
That's correct.
Of what's closed but not sold.
I don't think ---+ it's not half.
I've been ---+ for <UNK>, I mean, my reports to <UNK> on that have shown us about 40% of that going away.
Of course we think ---+ and obviously, <UNK>, we obviously think we can grow that between here and $10 billion, so the effect is probably ---+ dollar-wise will be more, but just looking at today's dollars, it should be about 40%.
Yes.
All right.
Thanks again for everyone that has joined.
If you have any questions or comments, <UNK> and I both are available, e-mail or telephone.
Thanks, and have a great week.
