Non-Interest ExpenseNon-interest expense increased to $54.8 million in the second quarter of 2011 compared with $11.5 million in the second quarter of 2010. The increase was due largely to a one-time goodwill impairment charge of $23.8 million and a significant increase in OREO expense compared with the second quarter of 2010. OREO expense increased to $22.1 million in the second quarter of 2011 compared with $3.9 million in the second quarter of 2010, due primarily to increased losses on sales of OREO, OREO write-downs to reflect current market values, the result of our strategy change in regard to certain projects, and OREO maintenance expense. Loan collection expense increased to $925,000 in the 2011 second quarter compared with $182,000 in the prior year second quarter, due primarily to a confidential settlement in a lawsuit during the month of June. FDIC insurance premiums rose to $855,000 in the second quarter of 2011 compared with $706,000 in the second quarter of 2010. Salaries and employee benefits expense increased to $4.2 million in the second quarter of 2011 compared with $3.9 million in the prior year’s second quarter due to merit raises and increases in staff, primarily in the credit and problem asset workout areas. Balance Sheet Review Total assets decreased 4.8% to $1.68 billion at June 30, 2011, from $1.76 billion at June 30, 2010, and decreased 2.8% from $1.72 billion at December 31, 2010. Since December 31, 2010, total loans are down 4.1%, or $53.0 million, to $1.25 billion from $1.30 billion at December 31, 2010, primarily due to efforts to move troubled loans through the collection, foreclosure, and disposition process. Deposits at June 30, 2011, decreased 2.2% to $1.44 billion from $1.47 billion at December 31, 2010, primarily due to decreased certificates of deposit. Certificates of deposit decreased by 3.0%, or $35.5 million, during the first half of 2011. The decrease in deposits from year-end 2010 follows management’s strategy to match liability funding levels with lower loan balances.