Compared to the same quarter last year, net interest income (tax equivalent) increased by $407 thousand to $171.2 million, while non-interest income decreased slightly to $100.8 million. Investment securities gains this quarter totaled $1.3 million, compared to gains of $2.0 million in the same period last year, with virtually all of these gains due to fair value adjustments and sales of the Company's private equity investments. Non-interest expense for the current quarter totaled $150.7 million, a decrease of $2.9 million from the same period last year. The provision for loan losses totaled $5.2 million, representing a decline of $7.0 million from the amount recorded in the same quarter last year.Balance Sheet Review During the 2 nd quarter of 2012, average loans, including loans held for sale, increased $34.0 million compared to the previous quarter but decreased $64.9 million, or .7%, compared to the same period last year. Period end loans, however, increased $128.1 million and reflected additional growth towards the end of the quarter. On a period end basis, the increase in loans resulted from growth in business (up $72.8 million), personal real estate (up $42.7 million) and other consumer loans (mainly auto loans - up $56.9 million). Wholesale auto floor plan and tax-free loans contributed to the growth in business loans. Demand for automobile lending remained solid. Marine and RV loans, included in the consumer loan portfolio, continued to run off this quarter by approximately $25.4 million, while construction loans declined by $30.6 million. Total available for sale investment securities (excluding fair value adjustments) averaged $9.0 billion this quarter, down slightly when compared to the previous quarter. Purchases of new securities, totaling $900.7 million in the 2 nd quarter of 2012, were offset by maturities and pay downs of $832.5 million. At June 30, 2012, the duration of the investment portfolio was 2.0 years, and maturities of approximately $1.6 billion are expected to occur during the next 12 months. Total average deposits increased $142.9 million, or .9%, during the 2 nd quarter of 2012 compared to the previous quarter. This increase in average deposits resulted mainly from growth of $366.8 million in demand, savings, business money market and interest checking accounts, which was partly offset by a decline in certificates of deposit (CD) average balances of $221.3 million. Period end deposit balances increased $59.9 million over the previous quarter. The average loans to deposits ratio in the current quarter was 55.3%, compared to 55.5% in the previous quarter. During the current quarter, the Company's average borrowings decreased $178.0 million compared to the previous quarter. This decrease was mainly due to a decline in customer repurchase agreement balances and federal funds purchased.