“And then in terms of the net interest margin and things like that, we do anticipate a little bit more pressure here in the fourth quarter, but then that really is the point where we feel that it'll bottom out based on my comments I just made a previous question?”

In context

“t, we go with John McDonald with Autonomous Research. Please go ahead. John cDonald: John, can I just follow up on what you're just talking about. What are you looking at in terms of the NIM for the fourth quarter roughly? And did I hear correctly, you think the deposit mix kind of settles out around 19%, 20%, where you are here in beta kind of in the mid-40s, you still have those expectations? John Stern: Yes. Maybe just to go to the last couple of questions you mentioned. So from a noninterest bearing, yes, we do expect that mix, we're at about 19%. That's about where we will be -- we expect that to be in that range. And from a beta perspective, we are in the mid-40s right now. It's possible it could creep up higher depending on where the Fed goes from here, but we feel good about that. And then in terms of the net interest margin and things like that, we do anticipate a little bit more pressure here in the fourth quarter, but then that really is the point where we feel that it'll bottom out based on my comments I just made a previous question? Andy Cecere: And that's reflected in our revenue and net interest income guidance. John Stern: Yes. John cDonald: Okay. And then recognizing with the Fed decision, you've obviously got a lot more time to phase in the AOCI now. John, can you just give us a little more color on what happened in terms of the trend in AOCI this quarter? What are the pieces there? How do the swaps affect your burn-down time line? And just also if you could add on, what do you -- how do you calculate the capital with AOCI today? It looks like maybe around 7%, something like that. John Stern: Yes. So I think all in, it's about -- AOCI is about 250 basis points of impact. So I would say 7.2% is roughly kind of where I would think about it. In terms of the change in the AFS, obviously, rates backed up on the long”