Provision caught me by surprise. Otherwise pretty much as I expected. CLBH is a solid operator in my opinion.
INBK mortgage income drop was precipitous. Not only did the drop surprise me by the magnitude of it, but the salaries and benefits also surprised me. It appears to me their overhead is out of control a little.
If I take your assumptions on all of the above, I come up with almost exactly the same number. To me the biggest thing to me whether they can reduce salaries and benefits along with the reduction in mortgage income.