Before we begin, I need to remind you that during the course of this call, the company may make forward-looking statements about future events and future financial performance. Management’s plans, objective, goals for future operations, products or services, forecast of financial and other performance measures and statements about the company’s general outlook for economic and business conditions. You should not put undue reliance on any forward-looking statements which may speak only as of the date made. These statements are subject to numerous factors that could cause actual results to differ materially from those anticipated or projected. For a list of some these factors, please note the company’s forward-looking statement disclosure in our fiscal 2010 second quarter earnings release. I'll now turn the call over to Tom

Tom Hood

Thanks very much D.B and thanks to all of you on the call this afternoon. We’re very, very appreciative for, of your time and your interest in First Financial. I encourage you also to thoroughly review the second quarter earnings release if you’ve not already done so. As D.B. mentioned it’s available on our website. We’ll be taking questions at the end of the call. We’ll do our very, very best at that time to be as transparent as we possibly call and the management is always available for questions and comments. Today, we’ll provide you with some key results, transmarket details and review operations for the quarter. We reported a net loss for the quarter of $19.1 million or $1.15 per share. This is compared to a loss of $4.5 million last quarter and net income of $3.1 million, for the same period last year. Our results this quarter continue to be significantly impacted by the current recession, high levels of unemployment, lower real estate, values, higher home inventories, lower retail sales and increased problem assets.

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