Before we begin, I need to remind you that during the course of the call the company may make forward-looking statements about future events and future financial performance. Management's plans, objectives or goals for future operations, products or services, forecasts 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 of these factors, please see the company's forward-looking statement disclosure in our fiscal 2010 third quarter earnings release. I will now turn this call over to Wayne. Wayne Hall Thanks, Dee Bee. Good afternoon, everyone. And thank you for joining us on the call today and for your interest in First Financial. I encourage you to thoroughly review our third quarter earnings release, if you have not done so already. As Dee Bee mentioned, it is available on our website and we’ll be taking questions at the end of the call. Today we reported a net loss for the quarter of $12 million or $0.73 per share. This is an improvement from the net loss of $19.1 million for the last quarter, as compared to net income before extraordinary items of $5.2 million for the same period last year. We reported an increase of $2.3 million in pre-tax, pre-provision income as compared to the linked quarter, demonstrating the strength of our fundamentals, despite the current state of the economy. Non-interest income exclusive of impairment on investment securities, gained on disposition of assets and a final settlement with the FDIC from our Cape Fear acquisition was $16 million, up from the linked quarter total of $15.7 million.