Thank you. I'd like to welcome everyone today to First Bank's third quarter 2021 earnings call. I'm joined today by Andrew Hibshman, our Chief Financial Officer, and Peter Cahill, our Chief Lending Officer. Before we begin, however, Andrew will read the safe harbor statement. The following discussion may contain forward-looking statements concerning the financial condition, results of operations, and business of First Bank. We caution that such statements are subject to a number of uncertainties, and actual results could differ materially and therefore you should not place undue reliance on any forward-looking statements we make. We may not update any forward-looking statements we make today for future events or developments. Information about risks and uncertainties are described under Item 1A, Risk Factors in our annual report on Form 10-K for the year ended December 31, 2020, filed with the FDIC. Pat, back to you. Thanks, Andrew. I'd like to start today with the discussion of the overall results before I turn it over to Andrew and Peter to dive in on the details. I think the third quarter was a continuation of our very strong financial results year-to-date in 2021. I'd like to hit on a few of the key financial performance metrics over the past few quarters. Q3 was the third straight quarter with return on assets over 1.4% and return on tangible common equity over 15%. Our efficiency ratio has been below 50% for four of the past five quarters. Pre-provision net revenue continues to move higher, and our pre-provision ROA has been over 1.7% each of the past five quarters. Furthermore, non-interest income has been averaging $1.8 million per quarter over the past five quarters, which is up 37% compared to $1.3 million, which was the average of the prior five quarters. This strong financial performance allowed us to both increase our dividend and renew our stock buyback plan. Even as we continue to grow, our earnings profile is generating strong capital cushions. From a lending perspective, net loan growth was muted during the quarter, but this is being driven by payoffs and strong growth in Q2, more so than a lack of new activity. Peter Cahill has some good data that he'll share later in the presentation on this point. I would just add that total new loan production year-to-date in 2021 is consistent with prior years, and our lending pipeline is near all-time highs. We have seen reduced C&I line usage as contributing to, so far, the slower net loan growth year-to-date. Continuing with trends in lending, our asset quality is holding up well. Our SBA group continues to perform very well. We've seen great results from this team, and their results are helping to drive our consistently improved non-interest income. We're also excited to add new team leader and market executive, Anthony DeFazio, to help drive and lead our team in Northern New Jersey. From a deposit perspective, we're very excited in early December to be adding over 2,000 new customers and over $100 million in new deposits from two branches we're acquiring from OceanFirst Bank. We received regulatory approval, and we expect to close in early December. The addition of these deposits is timely as our expectations for growth in Q4 shows that we should have strong net loan growth and the need for funding in the quarter. Overall deposit growth was limited during the quarter, but this was partly by design as we work to manage excess liquidity. We continue to drive our cost of deposits lower, reducing them to 25 basis points from 30 basis points in the prior quarter. Our continued success in our commercial deposit and cash management area led to additional users, increased fees, and increased services used per customer. In summary, we view this as another overall very strong quarter. While loan growth didn't materialize as expected, the new business engine is churning and Q4 looks very good. Deposit results remain solid with good non-interest-bearing growth, an improving mix, and a continued reduction of our cost of funds. Our dividend and stock buyback announcements reinforce our position of strength and strong financial results. We feel the model is working. We're able to grow, add customers, grow earnings, reward employees, and return capital to shareholders via dividends and buybacks. At this time, I'd like to turn it over to Andrew to discuss the financial details for the third quarter. Thanks, Pat. For the three months ended September 30th, 2021, we earned $9 million in net income or $0.46 per diluted share. This was the second highest net income quarter in the history of the bank and the highest quarter in the history of the bank in regards to pre-provision net revenue of $12.3 million. Pre-provision net revenue is net interest income plus non-interest income minus non-interest expense, adjusted for merger-related expenses. The factors contributing to another strong quarter included a stable net interest margin, improved non-interest income, and controlled non-interest expense growth. From a balance sheet perspective, as Pat mentioned, both loan and deposit growth was muted during the quarter. Excluding PPP loan forgiveness, loans were up approximately $13 million in Q3 2021 compared to an increase in non-PPP loans of approximately $86 million in Q2. During Q3 2021, $62.2 million in PPP loans were forgiven, leaving $77.8 million in PPP loans outstanding as of September 30th, 2021. During Q3 2021, we realized $1.8 million in PPP fee income compared to $1.3 million in Q2 2021. As of September 30th, 2021, we had $2.8 million in deferred PPP loans remaining. Going forward, we feel good about the strength of our commercial pipeline and prospects for loan growth in Q4 as Pat had mentioned. Peter will expand on loan activity year to date and the pipeline in his remarks. Total deposits were up $9.7 million during Q3 while we continue to reduce our reliance on higher cost time deposits. Non-interest bearing demand deposits as a percentage of total deposits stayed flat compared to the prior quarter at 26.3%, while time deposits dropped to 20.6% of total deposits at September 30th compared to 23.2% at June 30th. With the significant amount of liquidity in our markets, our strong deposit pipeline and the new customers that we will gain via the OceanFirst branch acquisition, we remain confident in our ability to grow our low cost core deposits. In addition to shifting our deposit mix, we have been able to lower the cost on our interest-bearing deposits, which, coupled with the deposit mix shift, has contributed to a significantly lower cost of deposits. Our total cost of deposits, as Pat mentioned, was down 5 basis points in Q3, but it was down significantly from Q3 of last year of 70 basis points. We believe we can lower the cost of interest-bearing deposits further as we have over $200 million in time deposits maturing over the next six months with a weighted average cost of approximately 55 basis points, which is 40 basis points lower than our current highest standard CD rate. Our tax equivalent net interest margin, which bottomed out during the second quarter of 2020 to 3.07%, held steady at 3.54% for the quarter Q3 2021 compared to 3.57% in the previous quarter. Our margin continues to benefit from the lower cost of deposits and minimizing the decline in the average yield on our interest-earning assets. Our margin in Q3 benefited from approximately $500,000 more in PPP fee income when compared to Q2, but this was offset by lower prepayment penalty income of almost $563,000, which was $729,000 in Q2 and only $166,000 in Q3. Our margin in Q3 was also impacted by the amount of liquidity we carried during the quarter. If during Q3 2021, our average amount of interest-bearing deposits with banks had mirrored our Q2 2021 levels, our margin would have improved to 3.61%. As a result of limited amount of loan growth during Q3, year-to-date net recoveries, a continued strong asset quality profile, and an improving economic outlook, we recorded a $158,000 provision for loan losses in Q3 2021 compared to a credit to the provision of $168,000 in Q2 2021. With the small provision during Q3 2021, our allowance for loan losses as a percentage of loans increased slightly to 1.19%, excluding the impact of PPP loans, from 1.18% at June 30th, 2021. Non-performing loans were up slightly from the prior quarter, but were still lower as a percentage of loans compared to one year ago at September 30th, 2020. COVID-19-related deferrals were down again this quarter, and we have continued to see expanded economic activity in our region. In spite of some of these positive trends, our allowance as a percentage of loans continues to be elevated compared to pre-COVID-19 levels, which were 1% at December 31st, 2019, and this is primarily due to continued level of economic uncertainty. In the third quarter of 2021, total non-interest income increased to $1.9 million from $1.3 million in Q2 2021. The increase from Q2 mainly relates to gains on sale of loans and an increase in other income. The increase in gains on sale of loans was primarily due to a gain of $364,000 from the sale of certain lower credit quality loans, which helped reposition our loan portfolio. Many of these loans were acquired loans that were marked down to fair value at the time of acquisition. We were able to sell these loans at a slightly higher price than the markdown value. The increase in other income was primarily due to a $159,000 gain on the sale of a closed branch building that was done in Q3 2021. Q3 was a relatively slow quarter in regards to SBA loan sales and loan swap income. While these non-interest income levels may continue to fluctuate, the underlying strength of our non-interest income generation capabilities has improved from prior years, especially related to loan swap income and SBA loan sales. We expect good things from both of these areas, in Q4. In Q3 2021, we continue to focus on controlling non-interest expense, which resulted in a less than 46% efficiency ratio compared to a 46.66% efficiency ratio for Q2. During the quarter, we benefited from the branch and admin space closures that we disclosed in the prior quarters and our other cost containment strategies that we have implemented. Non-interest expense was up slightly, or 3.6%, during Q3 2021 when compared to Q2 2021. The increase was due to an increase in salaries and employee benefits and merger-related expenses. The increase in salary and employee benefits was primarily due to an increase in certain incentive-based compensation based on our current year-to-date results, and the merger-related expenses were related to the previously mentioned OceanFirst branch acquisition. With a strong commercial loan pipeline, continued trend of lower cost funding base, and effective management of non-interest expense, we are well positioned to continue our strong and improving core profitability trends. At this time, I'll turn it over to Peter Cahill, our Chief Lending Officer, for his remarks. Peter? Thanks, Andrew. As outlined in the earnings release and mentioned by both Pat and Andrew, total loans in the third quarter were down 2.4% from the second quarter. This decline was driven mainly by forgiveness of PPP loans. All lending staff have spent quite a bit of time on PPP loans and the forgiveness of them, and, those loan volume movements and fee income earned have both been outlined in this and previous earnings releases. With that program winding down, I'll focus my comments today on non-PPP lending. As you can see from our numbers so far this year, non-PPP loan growth quarter to quarter has experienced some big swings. This has been driven for the most part by loan prepayments that were not expected at the level we experienced them. I'm sorry, non-PPP loans in the first quarter were down by approximately $82 million. We had about $100 million in loan prepayments in that quarter. In Q2 alone, we had growth in non-PPP loans of $85 million, which offset the $82 million loan decline in Q1. It was an excellent quarter, and we finished the first half of the year a little over breakeven in terms of loan growth. Now, for the third quarter, we grew non-PPP loans $13 million. For the nine months, we're up around $16 million. To give you some idea of the number of new loans funded as well as loans prepaid year to date, I'll provide some comparisons to 2020, where we had very solid loan growth. Through the third quarter last year, we closed and funded $219 million in new loans. Through the third quarter this year, new loans closed and funded totaled $295 million. That's 35% more new loans this year. On the loan payoff side, however, last year at Q3, for the nine months, we had $103 million in payoffs. As I mentioned before, we had that in the first quarter this year alone, and at 9/30/2021, total payoffs for the nine months were $200 million, almost twice as many as last year. For those who might be interested in where these $200 million of payoffs came from, 95% were commercial in nature. The remainder were consumer loans. Of the commercial loans, 72% were investor real estate loans. When we looked at the reasons behind the approximately $190 million of commercial payoffs, we tried to place them into buckets, see where they came from. The largest group, 35% of the total, were from borrowers who sold their underlying assets. These fell almost exclusively in the investor real estate segment that are basically out of our control. The next largest group of 34% were borrowers who refinanced their loans elsewhere. Most of these loans were investor real estate loans as well. Most of the remaining loans were a combination of things, loan participations that either got paid off or refinanced out of the lead bank. Loans were average risk, above average risks, and we just thought a rate reduction was not warranted. We had some loans in our workout area that paid off as well. Clearly, a sizable portion of the payoffs were loans where we made the strategic decision to maintain our margins while upgrading the quality of the portfolio. Something else that has impacted loan outstanding so far this year has been a steady reduction in the utilization of working capital lines of credit. Pat referenced this. While we experienced a 5% growth in the dollar amount of total line of credit commitments through the nine months, we experienced almost a 10% decline in usage. Utilization rates went from 52% at 12/31/2020 to 43% at 9/30/2021. Despite all the payoffs, I remain optimistic of how we're going to finish the year. Back in July, I described the loan pipeline at June 30th, which remained strong even after a big second quarter, and it stood at $200 million, right in line with the March 31st figure of $209 million. I commented that the $200 million pipeline in June was the third highest it's ever been, and I provided a comparison to the 12-month average for 2020, which was $154 million. I'm happy to report now that the loan pipeline for the third quarter grew even stronger and at 9/30/2021 stood at $265 million, up 33% from the end of the last quarter. The pipeline continues to be well-diversified and contains a greater number of loans than ever before. We also project loan fundings and payoffs out 60 days from each month end. We've finally seen some slowing in projected payoffs, and with the pipeline I just described, I think we still have an opportunity to meet our non-PPP loan growth plans for the year. Also, regarding the 2021 loan growth, and not included in anything I've mentioned, but included in the earnings release, there's $14 million in consumer loans that we'll pick up via the OceanFirst branch acquisition. Despite loan growth being backended for the year, the outlook continues to be positive. Relationship managers are out calling on customers and prospects, keeping the pipeline strong. After reporting last quarter that we hired a very solid team leader for our Pennsylvania market, and as Pat mentioned earlier, we also had started this past Monday, a strong team leader in our northern New Jersey team, and we expect great things there. Pat mentioned our SBA lending group earlier. It's ahead of its plan for the year. It's had fee income of almost $1.1 million through nine months and has a very strong pipeline. Fee income for the year should increase 30%-40% before year-end. We also just came to terms with an additional SBA relationship manager, and the SBA group should have a good finish to the year and a very strong 2022. We've also seen an uptick in construction lending. We've never had large exposures there, but we currently have approved, but not yet closed eight loans that total $55 million that will close shortly and fund as construction takes place over the next year or so. This should augment fourth quarter and 2022 loan growth. Lastly, regarding asset quality, the earnings release provides the normal data on where we are, and Pat and Andrew touched upon it. I'll just reiterate that things from my perspective continue to look good and metrics are still very solid. Shifts in the loan mix are evident. C&I loans were down due to PPP forgiveness and reduced line of credit utilization. On the positive side, owner-occupied real estate loans and investor real estate loans have increased. Nonperforming loans are up slightly. Delinquencies remain manageable, with past dues at the quarter end at 84 basis points, a modest increase from last quarter. Our deferred loans related to COVID-19 continue to improve. What's left are in lodging and hospitality, as well as some in transportation, and they're from just a few borrowers who we know very well. We believe all the loans are adequately secured. Total deferrals declined from $11.7 million at June 30 to $10.3 million at September 30, and we expect most of them to be off deferral by year-end. That's my report for lending for the third quarter. I'm gonna turn it back over to Pat for some final comments. Thank you, Peter, and thanks, Andrew. I'll turn it back to the operator to open up for Q and A. Thank you. If you would like to ask a question today, please press star followed by one on your telephone keypad. If you change your mind, you press star two. Our first question comes from Nick Cucharale from Piper Sandler. Nick, please go ahead. Good morning, everyone. Good morning, Nick. Hey, Nick. With the branch acquisition coming on in December, are you planning on paying down some borrowings to get some liquidity? Or how are you thinking about the near-term transition with those branches and its impact on the margin? Yeah, it's a good question. I'll hit on it briefly and then turn it over to Andrew, Nick. You know, I think right now, given the strong pipeline we're looking at, you know, we think a fair amount of that money will end up getting deployed into commercial loans pretty quickly. There may be some opportunities for some other things as well in terms of reducing overall liquidity. Andrew, you wanna hit on a couple of things you're looking at? Yeah, Nick, I mean, I think those branches are gonna give us the opportunity to do a bunch of different things. We've started to let some brokered deposits that are maturing; those have rolled off. We've been paying off advances as they mature. We've been letting some high cost, kind of hot money we call it, leave. I think it's gonna be a combination of a lot of things. We were a little bit more active in the investment portfolio during the third quarter than we typically are. I'd say yes, we are gonna pay off some advances, but we're also doing a few other things to manage liquidity. The branches are allowing us to be a little bit more aggressive on letting some higher cost money roll off. Okay, great. You were able to maintain a pretty stable margin this quarter. Can you walk us through your expectations for the margin kind of in the near term here? Yeah, I can answer that, Pat, and then you can jump on. I mean, I think we feel like we can maintain the level. Obviously, PPP fees are flowing through the margin, so those are gonna roll off. We have about $2.8 million, as I mentioned, left. We expect probably the majority of that to be realized in the fourth quarter, with some rolling into early next year. We have seen very few PPP loans that are not been forgiven. We have a small number that'll extend out, so we'll still be earning some PPP fee income out past March of next year, but it'll be very immaterial. Outside of that, I think we can hold pretty steady. I mean, we're bringing in low cost money from the branch deal. We're gonna manage our liquidity probably a little bit tighter than we did in the third quarter, which I mentioned impacted the margin by about seven basis points by carrying as much liquidity as we did. I feel good about a fairly stable margin. I don't know that there's much we can do to improve it significantly, again, stripping out kind of the impact of PPP. I think we've been doing a good job of bringing in money at very low cost and holding the line on loans. We hope to be stable, but I don't know that we can do much better in terms of margin. We do believe we can hold it pretty stable going forward. Great. Thank you for taking my questions. Thanks, Nick. Our next question comes from Manuel Navas of D.A. Davidson. Manuel, your line is open. Hey, good morning. Good morning. Morning. Okay. Have there been any structural change in, like, deposit trends? Are you being more selective? Is it just this quarter was 1% versus other quarters? Anything just to take away from there? Yeah, I'm not sure I would draw any huge trends there. I mean, as we looked at where we were from an overall deposit standpoint, and we knew we had the branch deposits from OceanFirst coming on board, I think we did take a little bit of a harder line in terms of pricing and, you know, we didn't see the need to push the envelope as much on the deposit side. I think it was more a bit of a balancing act. There continue to be good opportunities, especially on the commercial deposit side. The cash management pipeline is very active. You know, we're not necessarily seeing a massive shift out, if you will, but you know, something we'll certainly be keeping an eye on as we go forward here. All right. That's helpful. Going to the other side of it, what are yields like in the loan pipeline right now, and kind of what are you seeing in pricing competition in the marketplace? Yeah, I mean, I'll hit on it briefly and turn it to Peter. I think the loan yields have been pretty consistent so far this year. There certainly is competition, but, you know, in our markets, that's nothing new. There's always a healthy level of competition for quality loans. Obviously we're competing as relationship driven, not price driven, lenders. We try to use that to make sure we're earning good yields. You know, I think we've been at a pretty consistent level. Peter, anything you'd add there? Yeah, I actually pulled it yesterday. We get a report of all new loans booked on a monthly basis. I pulled that report for July, August, and September. Interestingly, as Pat mentioned, the rates are, you know, the average yield is very close. Going July to September, it was, you know, 3.88%, 4.05%, and 3.97%. You know, call it 3.95% as the average rate for the quarter. You know, it's not too bad and consistent over that period. That's helpful. Can I just add one last question on kind of thought process and sensitivities on the buyback? Can you generate the growth that you're kind of expecting in the fourth quarter and still buy back shares? Well, I think from a capital perspective right now our capital levels are pretty strong. Obviously, you know, if you looked at where we bought back shares in the third quarter, it was, you know, kind of 13, sub 13. More recently, the stock's been trading a bit higher. I think, you know, I'm not sure capital is the constraint. We're obviously going to keep an eye on overall pricing levels. You know, our job is to try to, you know, scoop up shares when we think they're attractively priced. You know, the other piece of the capital equation obviously is on the dividend, which we did increase that we announced a couple days ago. I think we have the opportunity to continue to grow at a nice level, but also, you know, be active either in terms of buybacks, dividends or some combination of. Thank you. No problem. Thank you. Our next question comes from Bryce Rowe at Hovde. Bryce, please go ahead. Thanks a lot. Maybe I'll follow up to that last discussion there on the dividend and the decision. Obviously a big percentage increase going from $0.03 to $0.06 on a quarterly basis. Just kind of curious how you're kind of thinking about the dividend and the payout ratio, especially as you know put that against what seems to be an inflection in profitability and core profitability really getting meaningfully better here over the recent past. Yeah, I mean, I think the increase in the dividend when you look at it on a percentage basis looks quite large. Although I think if you look back at where we were kind of pre-COVID, we were a little bit lower than our peers, both in terms of payout ratio and yield. You know, we obviously chose not to do anything more with the dividend as COVID was playing out just to be conservative. I would say part of the increased price was really candidly a catch up in terms of having been a little bit behind. I think another part of the increase was an acknowledgement that our you know, our retained profitability relative to our growth has improved nicely, so there was a little more capacity there. You know, part of it, quite honestly, is, you know, we want to make sure that we can, you know, continue to deliver on that dividend. If we can continue to grow and improve profitability, that may create opportunities to do something more on that down the road. It was a level we felt was the right move today, given, you know, historically, when we were in startup mode, we didn't pay any dividends, and then we introduced a very modest dividend, and then we kinda paused with the dividend increases due to COVID. A little bit of catch up and then a little bit, as you acknowledged, reflection of the reality of, you know, the very strong financial results we're seeing right now, so. Okay, that's helpful. Maybe wanted to shift to the expense side of things. You noted a couple of hires here recently, and maybe higher profile type hires. Could you speak to, you know, what you expect from an expense run rate perspective here going forward, especially as we layer in the two new branches that you're buying in the fourth quarter here? Yeah, it's a good question. I mean, I think we continue to believe we can manage non-interest expense growth in the low single digits, you know, sub 5%. You know, I think we've shown a pretty good track record recently of being able to do that. We did have some nice hires, but some of those are replacements and you know, doing some different things. Not all new hires end up being additive from an expense standpoint. You know, as I'm sure you're seeing and hearing from a lot of folks that you're following and just the trends overall, you know, turnover is up right now. We're bringing people in. Some of our people are looking to do other things. Net-net, I don't think those hires, you know, have changed the profile in terms of our overall expense management. You know, obviously adding some branches in the short run will add some expenses, but we're obviously looking to add significant revenue along with that. You know, we think there may be some opportunities to find some expense savings there as well over time. You know, I think I don't think our expense management profile is really changing despite some of the recent announcements. Great. Yeah. I would just piggyback off that. I think that's all. Yeah. I think Pat's right on the money with that 5%, obviously excluding the branches that we'll be adding. I think the branches are fairly similar in terms of size and expense to our current branch network. They would add kind of what you would expect from the management of those branches. As Pat said, there may be some cost saving opportunities going forward on those branches. But they're pretty standard branches. They should be similar in terms of cost to our current branch network. Great. Thanks. Thanks for answering the question. I appreciate your time. Thank you, Bryce. Another reminder to participants to press star followed by one on your telephone keypad to ask a question. Our next question comes from Erik Zwick at Boenning & Scattergood. Erik, your line is open. Thank you. Good morning, everyone. Good morning, Erik. I joined a couple of minutes late, so apologies if I ask something that's already been covered. Maybe first, just starting on the success you're having in the SBA lending program and selling those loans. How should we think about you know the growth and the contribution from that source going forward? Yeah, I mean, listen, it's not a huge component of our overall revenue stream, but it is a significant component of our non-interest income, which, you know, for us, has always been on the lower end. It's certainly an area where in the right areas and right lines of business, we certainly want to add to our non-interest income. We, you know, view SBA as a logical extension of our core strength in small and mid-sized business lending. We're happy with the results year to date. As Peter mentioned, the pipeline's strong. I think if you look at, you know, try to annualize what we've done so far this year to give you a sense of, you know, kind of an annual amount of income from that area. You know, quite honestly, I think we can do that or even better next year, given the pipeline and the addition of the new member to the team. We're you know, pretty optimistic about what the group can do there. Peter, anything you'd add? No, I mean, I think you covered it. I mean, no one knows what 2022 is gonna bring, but we're gonna finish this year probably at least doubling up the plan, you know, 200% of plan, and then a more aggressive plan next year. I'm expecting pretty big things. That's helpful. Thank you. With regard to the branch acquisitions, can you remind me of what you expect to bring over in terms of deposit balances? Maybe just hit on your strategy and the reach out you have to the customers of those branches and how you plan to manage any potential attrition. Yeah. I mean, the overall numbers will get locked in as we get a little bit closer to the actual date of conversion. As I'm sure you can appreciate right now, those are still customers of OceanFirst, and there's fluctuations and new customers coming in and some leaving. The final numbers we'll have to see. I think, Andrew, when we announced it, we were at about $120 million in deposits. Is that right? Yeah. I think we had it in the release, too. Yeah, $124 million in deposits, $14 million in loans. As Pat mentioned, that number may fluctuate a little bit before we get to the close in early December. I think in terms of your second question, Erik, I mean, we have locations not, you know, not too close, but not too far from the locations we're buying. So we think, you know, from a micro-market management perspective, we're getting some critical mass within these couple of areas. And we think that, you know, the fact that we have a presence in the area but not right across the street creates an opportunity to, you know, give folks a little more added convenience in terms of the products and services we'll be offering that are, you know, nearly identical to what they've had. You know, we're optimistic that retention will be high and that with you know, a little stronger presence in these markets, we can continue to build and grow in those areas. Within your purchase agreement, are you able to contact the customers before they kind of close? Or how do they? When and how do the customers get notified of the switch? Yeah. The customer notifications are either, you know, on their way out or heading out soon. Obviously we need to give people the heads up in advance of the conversion. You know, those dates and milestones are things our team's tracking closely and, you know, everything is kind of following the normal process there. Yeah, everybody will be notified, and, you know, they'll have the opportunity to touch base with us and, you know, make sure they're comfortable that it'll be a smooth transition. Thank you. Thanks for taking my questions. Sure. Thank you, Erik. We have a follow-up question from Manuel Navas at D.A. Davidson. Manuel, your line is open. Hey, just back on to ask about the loan outlook. Any update to that? You're still hoping for that similar to $120 million for the year? Should we think about that at a similar pace for next year? Or you're getting a little bit more confident in returning to, like, a higher rate of growth next year? Pat, you want me to jump in there? Yeah, I mean, I'll address it quickly, Peter, then turn it back to you. Yeah, I mean, I think, you know, the $120 in net growth this year is, you know, as Peter said, it's achievable, although, you know, that's now the higher end of the range in terms of what we might expect in terms of net loan growth for this year. I certainly think given market dynamics, given our larger size and scale and, you know, what we continue to see is a very active pipeline that net loan growth in 2022, I think can be an increase over what our target was for this year. I'll just add that as we finish the year, you know, I mentioned in my comments that we kind of look forward every month, 60 days. You know, when we look at October, November, that we're, you know, kind of in the middle of, you know, we forecast fundings and payoffs. Payoffs have gone way down. Fundings are around $115 million projected. You know, call it one. I think we're about $110, $110 million for 60 days. I mean, even if a lot of that pushes back into December, which sometimes happens, things never seem to go as smoothly as possible. I mean, we're gonna come fairly close. We need about a hundred. What? We're up $16 million. We need $104 net loan growth to hit that $120 plan. We're gonna come close. We also have December, and what we don't close in December is gonna roll over and start January off strong. You know, we're feeling pretty good about the pipeline. That's really helpful. It seemed like you had pretty strong origination growth year-over-year on the trend. You've added two new people, it sounds like. Is there a greater pipeline to even get those originations even higher? Well, sure. I mean, we hope to, you know, grow at a higher rate next year than we did this year or last year. You know, keep in mind, Pat said a couple of the announced additions to staff were replacements. We have one, the PA team leader is an addition to staff focused on a new market, so we should see growth there. The SBA person is gonna be generating, you know, primarily fee income 'cause we'll close the loan and then sell the guarantee portion and generate that fee. Yeah. I mean, we're seeing, we expect more growth next year than we've had this year. Thank you. That was helpful. I appreciate that. We don't appear to be having any more questions coming through, so I'll hand the call back over to Pat for any closing remarks. Okay, great. Thank you. I just would like to thank everybody for the time to listen in on the call. We appreciate your interest and we'll look forward to being back at the end of Q4 with another update. Thank you, everyone.