Non-interest income for the three-month period ended June 30, 2010 was $1.2 million, compared to $864,000 for the same period in 2009. Included in non-interest income were gains on the sale of securities of $279,000 and $49,000 for the respective quarterly periods in 2010 and 2009. Absent the gains on sales of securities, non-interest income was up $58,000 in the second quarter compared to the same quarter in 2009. The increase was due primarily to an increase in wealth management fees combined with lower losses on the sale of other repossessed assets. During the second quarter, DNB announced that a new Managing Director, Richard Weber, was hired to enhance and oversee the capabilities and relationships of our Wealth Management Division and to increase and broaden fee-based revenues.William J. Hieb, President and COO, said, "Mr. Weber brings more than two decades of experience building and enhancing wealth management capabilities and spearheading wealth management activities for leading banks. His strong track record of success and superior organizational and client building skills will play a vital role in helping DNB serve the complete financial needs of our customers." DNB continued to concentrate on expense control during the second quarter. Non-interest expense declined approximately $233,000 compared to the second quarter of 2009. Management has been able to maintain a stable core level of expenses, despite additions to the commercial lending staff in the third quarter of 2009 and increased funding for advertising and marketing in 2010. Total assets were reduced by $15.2 million, to $619.0 million at June 30, 2010 compared to $634.0 million at December 31, 2009. This reduction was primarily due to a $15.3 million decrease in cash and cash equivalents and a $7.1 million decrease in investment securities, offset by a $10.2 million increase in net loans and leases. The overall reduction in assets is part of an ongoing effort to reduce the cost of funds and improve core earnings by substituting loans for investment securities.