As of September 30, 2023, I am pleased to report that the Arkansas banking industry is in excellent condition. Arkansas state chartered banks stand at 73 banks hold assets of $158 billion in aggregate total assets. We have witnessed significant growth and high levels of performance during the past few years as we effectively managed the impact of the pandemic. Many challenges face both the banking industry and the financial services sector in the year ahead and we are certainly operating in a period of economic uncertainty. As in years past, our Arkansas banking industry is prepared to meet these challenges and continue to serve the needs of their customers and communities. The Arkansas State Bank Department remains committed to working with our regulated institutions to maintain a safe and sound banking system and encourage and support economic development in Arkansas.