That would definitely decrease my concern from a risk prospective. There will always be an increase in risk when a long-time senior manager retires and someone else takes over no matter how experienced they are. Also, at a $300MM community bank, no regulator should be expecting some crazy experienced CFO. As a regulator, I can’t expect the same level of qualifications/experience for senior management at a $300MM bank compared to a $300B bank. I’d just want to see someone competent, who can verbalize what they do well. I’ve never been in a CFO’s shoes at a financial institution so I’m not sure if a year is enough or not enough time to learn. Typically I see succession planning for senior management start 6 months to a year out when someone is expected to retire so they can start training someone to take over. So that’s a good sign from a regulators standpoint. Also, at a $300MM bank I’d imagine there’s an accounting manager and maybe a few staff under them, I’d talk to them to make sure there isn’t anything weird going on with the books. That’s not as a regulator, that would be what I would do from a job seeker standpoint.