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Catherine Mealor — Keefe Bruyette & Woods — Analyst

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

Okay, that produces feeling. Great, many thanks quite definitely.

John C. AsburyPresident and Chief Executive Officer

William P. CiminoSenior Vice President and Director of Investor Relations

And Carl, we are prepared for the caller that is next.

Operator

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

John C. AsburyPresident and Ceo

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

William WallaceRaymond James — Analyst

Many thanks. Good early morning. Great, many thanks. Possibly simply following through to the final line of questioning on — just how can you anticipate your book to trend in 2020 as soon as you implement CECL? Whenever they be flat on our book to loan foundation or up or remain down, like we saw in ’19?

Robert Michael GormanExecutive Vice President and Chief Financial Officer

Yes, well interestingly on that front side, Wally, we book day one impact as you know. We — once we’ve predicted will be about $95 million. So as to coming down primarily, due to the run-off within our customer consumer that is third-party where presumably that we have the life time losings embedded for the reason that time one projection.