Net interest income is expected to be up slightly in 2Q25, relative to 1Q25, due to a stable NIM and an increased day count despite lower projected average and end of period loan balances. nDeposit balances are expected to be flat in 2Q25, relative to 1Q25. nWith current liquidity levels, we may increase debt security purchases during the remainder of 2025, if yields are attractive. nNoninterest income is expected to increase slightly during 2Q25, relative to 1Q25. nNoninterest expense expected to be between $31 million and $33 million per quarter in 2025. nAsset quality expected to remain solid, although a return to more normalized asset quality metrics and charge-offs may occur should the economy soften. Additionally, there may be more volatility in the CECL calculation if we see large movements in forecast unemployment and GDP. nStock repurchase program will continue to be used opportunistically with $15 million available through January 1, 2026. nCurrent capital levels and operational structure support M&A should the right opportunity arise.