The following is excerpted from the question-and-answer section of the transcript.
(Questions from industry analysts are provided in full, but answers are omitted - download the transcript to see the full question-and-answer session)
Question: Broderick Dyer Preston - UBS Investment Bank, Research Division - Analyst
: Jamie, I think I've got it but I just wanted to put a finer point on the guidance with the revenues. The guide kind of implies that we stepped down
a bit more than I would have expected in the fourth quarter just with the NIM commentary and some of the fees. Is there something that I'm missing
because I think it implies like about a $25 million step down in operating revenues?
Question: Broderick Dyer Preston - UBS Investment Bank, Research Division - Analyst
: Got it. Okay. And just to clarify on the revenue component, Jamie, I think if I was reading the slide correctly, that the expectation around the beta
is like more of like a spot in December kind of expectation for the beta and not the average for the quarter, correct?
Question: Broderick Dyer Preston - UBS Investment Bank, Research Division - Analyst
: Okay, cool. Can I just follow up on Bob's -- what Bob said on the SNCs, real quick. Did you have what percent of that SNC portfolio you guys will
lead underwriter on?
Question: Broderick Dyer Preston - UBS Investment Bank, Research Division - Analyst
: Okay. And then I did just have a couple of last quick ones. Bob, do you have any of the ACL on the office portfolio?
Question: Broderick Dyer Preston - UBS Investment Bank, Research Division - Analyst
: Got it. And then just 1 last one. Bob, just on the senior housing portfolio, you guys have built that into a pretty good business line for yourselves.
And I think if I'm remembering correctly, it's performed extremely well for you from a credit perspective, versus some other banks that have maybe
struggled a little bit, just with that generic kind of category of senior housing. Could you maybe help us better understand the puts and takes
around that portfolio? And why yours kind of outperforms relative to some other banks that also have a senior housing exposure?
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