And it was a whiteboarding session, and we started writing things on a whiteboard, anything that came to anyone's mind, you know, things like let's - and it was a metrics-driven conversation. you know, let's improve our loan-to-deposit ratio. Let's improve our total deposits. Let's pay down FHLB borrowings. Let's start an expense management program. Let's improve liquidity coverage. Let's improve our uninsured deposit levels, and so on and so forth.

Jul 25, 2023 / receipt, needs a key / Raj Singh, CEO | earnings call 2023-07-25 | transcript 4cc53c51-6481-4e02-9dae-1bf4727fd80d | chars 4503-4956 | segment 4

I think some of that stuff is still relevant and some less so. Honestly speaking, levels of liquidity and uninsured deposit to available liquidity, those things feel a lot less important today than they did 90 days ago. However, NIM stabilization, expense management, things of that nature, DDA growth, deposit growth, they are still very relevant. So I think we'll still keep an eye on liquidity metrics, for example, but probably move that down a little bit in terms of, is that what I'm looking at every day?

Jul 25, 2023 / receipt, needs a key / Raj Singh, CFO | earnings call 2023-07-25 | transcript 4cc53c51-6481-4e02-9dae-1bf4727fd80d | chars 51866-52377 | segment 52

I guess I was just trying to - the increase in the hotel losses? That's really just, you know, in a recessionary scenario, the kind of underlying assumption there is people just stop traveling and stop staying in hotels. So that's why you see the big spike in the hotel losses.

Apr 25, 2023 / receipt, needs a key / Brody Preston, other | earnings call 2023-04-25 | transcript 980f7844-bc9c-4f46-9ac7-fd3dd1379486 | chars 49692-49969 | segment 51

Although the total CARES Act modified loans in that portfolio declined, from 343 million at March 31st to 225 million at June 30th. We've seen, particularly in Florida, where about 76% of our hotel portfolio is, we've seen a pretty strong rebound in tourism in Florida. Any of us that have tried to book hotel rooms in Florida recently have found it pretty difficult to do it at high rates, and we're seeing a strong rebound in occupancy, particularly travel-related beachfront property occupancy within the overall Florida book. That led to the significant decline that we had there. We expect to continue to see improvement in that.

Jul 22, 2021 / receipt, needs a key / Tom Cornish, COO | earnings call 2021-07-22 | transcript df95fcdb-80db-4c54-957f-3c2050f43cdd | chars 14526-15160 | segment 15