“Yes, that's our expectation, John, is slightly accretive to inclusive of those charges.”

In context

“will probably be a little bit less. And the reason I say that is because our focus is really on consumer deposits and growing operational deposits and really limiting or eliminating things like CDs and higher-cost institutional or just kind of onetime clients that just -- that's all we have is just the deposit. So we're going to be more nimble on the deposit side of growth versus the loan side, I would imagine. Operator: Our next question is a follow-up from the line of John McDonald with Truist Securities. John McDonald: Just a quick modeling question on the BTIG. John, understanding it's not part of the guidance. When you say accretive for the year, does that include any integration charges, so that's kind of all in accretive to your results for the year is the expectation? John Stern: Yes, that's our expectation, John, is slightly accretive to inclusive of those charges. We'll start to provide some of that information as we come online. We're expecting kind of back half of the year in terms of that. So obviously, there'll be a bigger expense base. There's less of a margin with this business than most of our businesses. So you'll see that flow through. And then it's merger cost that we'll identify as well. John McDonald: Okay. So the financial impact, probably not much in the second quarter? This will all start hitting your numbers in the back half? John Stern: Yes, that's right. Yes. I wouldn't expect much of anything in the second quarter. Then the third and fourth quarter, we should be, pending regulatory approvals, yes. Operator: And there are no further questions at this time. I'll hand the call back over to Jen for closing comments. Jennifer Thompson”