Financial PositionAverage earning assets for the second quarter of $5.66 billion were $740.3 million above the first quarter of 2011, and 16.2% higher than the second quarter of last year. Ending loans increased $477.7 million from March 2011, reflective of the Wilber acquisition which added approximately $444 million of net loans, as well as nearly $34 million of organic loan growth in the quarter, driven primarily by increases in consumer installment balances. In addition, a significant portion of the Company’s new, low-rate mortgage originations continued to be sold into the secondary market during the quarter. Average investment securities, including cash equivalents of $177.2 million, increased $292.0 million in the quarter, principally as a result of the Wilber transaction. Quarterly average deposits were $704.0 million higher than the first quarter of 2011, and 17.9% higher than the second quarter of 2010, including relationships acquired from Wilber. Average borrowings for the quarter of $839.0 million were up slightly from both the first quarter of 2011 and the second quarter of last year. Quarter-end shareholders’ equity of $730.1 million was $106.0 million higher than March 31, 2011, and included the issuance of 3.4 million additional shares in conjunction with the Wilber acquisition. The Company’s net tangible equity to net tangible assets ratio improved to 6.44% at quarter-end, up 52 basis points from the end of last year’s second quarter. “We continued to improve operating results in the second quarter of 2011 despite soft commercial market conditions,” said Mr. Tryniski. “A very successful first quarter of results from the Wilber acquisition, combined with organic consumer loan growth and the continuation of favorable asset quality enabled us to produce record second quarter operating earnings, reflecting the effectiveness of our disciplined and balanced approach to business.” Asset Quality Second quarter net charge-offs were $0.7 million, compared to $1.4 million in the first quarter of 2011, and $1.5 million in the second quarter of 2010, reflective of the Company’s stable and favorable asset quality profile.