Total liabilities increased $13.2 million to $472.1 million at September 30, 2010 from $458.9 million at September 30, 2009 primarily as a result of the previously noted $32.1 million increase in deposits, primarily consisting of certificates of deposit. Partially offsetting the increase in deposits was a $19.0 million decrease in advances from the Federal Home Loan Bank of Pittsburgh.Stockholders' equity increased by $1.1 million to $57.0 million at September 30, 2010 from $55.9 million at September 30, 2009. The increase was primarily due to net income of $3.1 million combined with an increase in accumulated other comprehensive income of $2.1 million due to increases in market values of available for sale securities as well as an increase of $627,000 related to the amortization of stock benefit plans. These increases were partially offset by the cost of stock repurchases totaling $2.9 million and cash dividends on common stock aggregating $1.9 million. Net interest income decreased $46,000 or 1.2% to $3.7 million for the three months ended September 30, 2010 as compared to $3.7 million for the same period in 2009. The decrease reflected the effects of a $614,000 or 9.3% decrease in interest income partially offset by a $568,000 or 19.8% decrease in interest expense. The decrease in interest income resulted from a 73 basis point decrease to 4.66% in the weighted average yield earned on interest-earning assets partially offset by a $24.4 million or 5.0% increase in the average balance of interest-earning assets for the three months ended September 30, 2010, as compared to the same period in 2009. The decrease in the weighted average yield earned was primarily due to the increased levels of cash and cash equivalents, the yield on which is less than the weighted average yield on the investment securities which were repaid during the 2010 period. The decrease in interest expense resulted primarily from an 59 basis point decrease to 1.94% in the weighted average rate paid on interest-bearing liabilities, reflecting the repricing downward of interest-bearing liabilities during the year, partially offset by a $20.9 million or 4.6% increase in the average balance of interest-bearing liabilities, primarily in certificates of deposit, for the three months ended September 30, 2010, as compared to the same period in 2009.