Posted at 21:50h
Casey Orr Whitman -- Piper Sandler -- Analyst
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Okay. Comprehended. Allow me to ask a relevant concern about costs. Which means that your core cost run price is currently at around $92.5 million and also you've got at least the FDIC expense is probable normalizing back up when you look at the half that is first of 12 months. So how do you consider expenses shake out until the '20? Or i do believe final call you had directed to such as a 4% to 5per cent boost in costs for in '20, is the fact that -- does that nevertheless use here or kind of what exactly are your thoughts that are general costs in '20?
Robert Michael Gorman -- Executive Vice President and Chief Financial Officer
Yes, that's precisely right, Casey. Therefore we coming from the 4th quarter, we think we are at a run price of approximately $92 million. That features a number of the effects associated with assets we made this season. We're looking to increase that run price around 4% the following year even as we continue steadily to spend money on the many technologies, electronic item and individuals etc, including a wage inflation element of approximately 3%. So we're taking a look at in regards to a 4% increase in that run price for a full-year foundation year that is next. Clearly the quarters is going to be a little different as there clearly was some seasonality within the quarter that is first that will be only a little more than an average for every associated with the quarters.
John C. Asbury -- President and Ceo
And Casey, this will be John. I might include that to some degree you will see this load that is front-end bit. Yes, there is certainly the regular aspect, Rob tips to, but there is however a surge of activity happening with in the business so we are making hay whilst the sunlight shines when it comes to, our company is no longer working on a merger right now and then we are centered on doing several important initiatives to put the business money for hard times and there are several items that will start to drop the schedule off even as we enter into the 2nd 50 % of the season.