Commercial growth in the 4th quarter resides primarily in the C and I segment at $70,000,000 and the owner occupied real estate segment at $46,000,000 with the growth in each portfolio being heavily weighted toward increases The balance of the growth primarily occurred in non owner occupied real estate at $35,000,000 and multifamily real estate at $24,000,000 These increases were achieved despite payoffs totaling approximately $44,000,000 After the strong loan Funding activity of the quarter, the commercial loan pipeline remains very strong at a very strong level of $573,000,000 consisting of $311,000,000 committed under construction facilities and $262,000,000 under other commercial loan commitments. Retail loan growth for the year totaled $120,000,000 consisting of an increase in 1 to 4 family mortgages. Growth in this asset class moderated Throughout the year, it was $20,000,000 in the 4th quarter due to our focus on increasing the portion of originated loans that are sold. Construction commitments related to this asset type remained stable at $46,000,000 Asset quality remains very strong as non performing assets sold $3,600,000 at year end 2023 or less than 7 basis points of total assets compared to $7,700,000 1 year ago $5,900,000 at the end of the prior linked quarter.