Randy Chesler: Yes. We have — our average — so, if you get that down to the average balances, our accounts, we have a lot of — we have more units than a bank of our size. We have a lot of smaller accounts. And so, we’ll get to the average numbers. But that’s — what was the interesting thing here is that they were — a lot of the outflow was just concentrated in these very large accounts, which we could pretty easily see. Byron, do you want to add a little color to that?
Byron Pollan: Sure. In terms of averages, Kelly, our retail deposit accounts averaged about $15,000 per account, and our business deposit accounts averaged closer to $60,000, $64,000 per account.
Kelly Motta: Great. Yes, that’s pretty granular. Got it. And just some point of clarification or trying to put some numbers around first quarter deposit outflows. You, in your prepared remarks, said you expect that to moderate. Is that — does that kind of imply that we’re still going to see some decline in 1Q, it just won’t be as great as we saw in 4Q, and then kind of a stabilization thereafter?
Randy Chesler: Exactly. I think you’re looking at it exactly right. And back to your point on granularity, I think that’s tremendous strength for us, because we have a lot of small dollar accounts. And as Byron pointed out, those actually grew throughout the year, including in the fourth quarter. So, that’s an important part of our stable sticky franchise.
Kelly Motta: Thank you so much. I’ll step back.
Randy Chesler: You’re welcome.
Operator: Thank you. And I’m actually not showing any further questions in the queue at this moment. I’d like to turn the call back over to our President and CEO, Randy Chesler, for any closing remarks.
Randy Chesler: Great. Well, very good. Appreciate it. I know this was a really busy day for analysts with a lot of overlaps, and…
Operator: Randy?
Randy Chesler: Hello? Yes?
Operator: I’m sorry. We do have a follow-up from Kelly.
Randy Chesler: Kelly, the floor is yours.
Operator: Let me go ahead and open up her line.
Kelly Motta: I thought there was other people in the queue. So, I’ll jump right back in. Can we talk about expenses? They were really well controlled. A lot of the things that I’m seeing are having a lot of pressure on that expense line item. Just wondering as we look out to this next year, maybe if you could discuss any investments or bigger-ticket items that you’re making, as well as just any overall comments on how you’re managing through the inflationary pressures? And if where we are now is a good run rate to build off of?
Randy Chesler: Yes. We — Ron and I and the team spent a lot of time looking at expenses. So, I’m going to ask Ron to cover that.
Ron Copher: Yes. Kelly, really appreciate well controlled, because that’s what it is, and it gets back to the division, the model, local people making decisions that are right for their market, whether it’s compensation or other noninterest expense. So, let me start there. So, if you take the fourth quarter, $129 million flat reported, but adjust that for the $2.5 million gain from the sale of former branch buildings and then $800,000 of M&A, you get to about $130.7 million adjusted. And so, the question, I think, is we guided to $133 million, and so we came in substantially below that, and $800,000 of that was the lower compensation expense, and that is a direct result of the control on the hiring. We had a reduction during the quarter of six FTE on an average, it was actually closer to 24.