Catherine Mealor — Keefe Bruyette & Woods — Analyst

<strong>Catherine Mealor</strong> — <em>Keefe Bruyette & Woods — Analyst</em>

Okay, that produces feeling. Great, many thanks really.

John C. AsburyPresident and Ceo

William P. CiminoSenior Vice President and Director of Investor Relations

And Carl, we’re prepared for the next caller, please.


Your next concern originates from the type of William Wallace from Raymond James. The line happens to be available.

John C. AsburyPresident and Ceo

Good early morning, Wally. Just How will you be?

William WallaceRaymond James — Analyst

Many thanks. Morning good. Excellent, many thanks. Perhaps just following through to the line that is last of on — just how can you anticipate your book to trend in 2020 as soon as you implement CECL? As long as they be flat on our book to loan foundation or up or keep on being down, like we saw in ’19?

Robert Michael GormanExecutive Vice President and Chief Financial Officer

Yes, well interestingly on that front, Wally, we book day one impact as you know. We — once we’ve calculated could be about $95 million. You will find that coming down primarily, due to the run-off inside our consumer consumer that is third-party where presumably that offering the life time losings embedded for the reason that time one projection. So we will not be replenishing that book for at the very least our guide of company for just about any charge-offs which come through let’s assume that we have predicted correctly.