Expense recalibration actions announced last quarter are underway, and we expect a majority of identified colleague separations and banking center closures to occur in the second quarter. We remain keenly focused on ongoing expense management to support investments and enhance overall earnings.

Apr 18, 2024 / CFO / receipt, needs a key / Jim Herzog, CFO | earnings call 2024-04-18 | transcript a7947974-03a9-4dab-8176-7a3352a42a32 | chars 12062-12357 | segment 12

In addition, we expect seasonally higher occupancy, advertising, staff insurance, as well as travel and entertainment expenses.

Oct 19, 2022 / CFO / receipt, needs a key / Jim Herzog, CFO | earnings call 2022-10-19 | transcript 780a556b-c709-4bdd-95ee-621ae23fab2d | chars 20382-20509 | segment 21

We are experiencing some inflationary pressure, particularly in salaries, travel and entertainment, and insurance.

Jul 20, 2022 / CFO / receipt, needs a key / Jim Herzog, CFO | earnings call 2022-07-20 | transcript 56e314ea-2e1c-4853-b9e4-7ca1d3553b59 | chars 12667-12781 | segment 12

We expect expenses to increase in the low single digits. This includes inflationary pressures which could impact a number of line items, such as salaries, T&E, and insurance. Also, we are focused on product and market development as well as driving efficiency, which means continued investment in technology.

Jan 19, 2022 / CFO / receipt, needs a key / Jim Herzog, CFO | earnings call 2022-01-19 | transcript 4e83cdbb-9b27-4894-8325-31da099b9f45 | chars 20696-21004 | segment 20

In addition, we expect seasonally higher occupancy, advertising, and travel and entertainment expenses.

Oct 20, 2021 / CFO / receipt, needs a key / Jim Herzog, CFO | earnings call 2021-10-20 | transcript 2841ed63-d141-4ac7-adf9-b4dbec336bc3 | chars 16388-16491 | segment 17