And now I'll turn the call over to Mr. Small for his comments.Bill Small Thank you Mary Beth. Good morning and thank you for joining us for the First Defiance Financial Corp conference call to review the 2010 fourth quarter and year-end results. Last night, we issued our 2010 earnings release and this morning we would like to discuss that release and give you a look forward into 2011. At the conclusion of our presentation, we will answer any questions you might have. Joining me on the call this morning to give more detail on the financial performance for the fourth quarter and the year is CFO; Don Hileman, also with us this morning to answer questions is Jim Rohrs; President and CEO of First Federal Bank. Fourth quarter 2010 net income on a GAAP basis was $2.3 million or $0.22 per diluted common share, compared to $555,000 and $0.01 per diluted common share in the 2009 fourth quarter. For the year-ended December 31, 2010, First Defiance earned $8.1 million or $0.75 per diluted common share, compared to $7.2 million or $0.63 per diluted common share for 2009. As 2010 came to an end we continued to face many challenges in the banking industry. We are still dealing with the historically low, high unemployment levels and a housing sector that is not found its footing. From [ph] economic indicators of pointing to a sustainable recovery, the job role continues to lag and foreclosures on homes remain high. Throughout the year a high provision expense and additional expenses associated with collections and other real estate owned relating to these issues, had a negative impact on earnings. However even in this environment, we have confidence in our core operation and our fundamental operating metrics were again very solid. I am pleased to report that despite the continuing challenges in this operating environment, the company remained profitable for the quarter and the full year 2010.