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Thank you and good morning everyone and welcome. Our strategic initiatives continue to provide steady improvement to our results. Asset quality and margin improvement led the way and we almost swung back to profitable status for the quarter. Bob Kaminski will detail the entire dynamic of our loan portfolio and the provision for loan losses during his comments. While we did suffer a small loss for the quarter, significant improvement in our pass-through loans and our nonperforming assets suggest that we may have finally turned a corner in our relentless efforts to counteract the effects of the steep economic downturn. Even if we have turned the corner, we know that upcoming quarters will still be difficult as commercial real estate values remain challenging and the cost of disposing of our remaining ORE portfolio will also be challenging. It is, however, very heartening to see some very tangible signs of improvement in so many areas.