Certain of our comments will contain forward-looking statements which are intended to be covered by the Safe Harbor provisions of the Private Securities Litigation Reform Act of 1995. Such forward-looking statements are subject to risks and uncertainties which could cause actual results to differ materially from those we currently anticipate due to a number of factors, many of which are beyond our control. Among those factors are general economic conditions and trends, both nationally and in our local markets; changes in interest rates which may affect our net income, prepayment penalty income, mortgage banking income and other future cash flows, or the market value of our assets, including our investment securities; changes in the demand for deposit loan and investment products and other financial services; and changes in legislation, regulation and policies. You will find more about the risk factors associated with our forward-looking statements on Page 8 of this morning’s earnings release and in our SEC filings, including our 2011annual report on Form 10-Know and our first quarter 2012 10-Q.The release also includes reconciliations in certain GAAP and non-GAAP earnings and capital measures which will be discussed during the conference call. If you would like a copy of the earnings release, please call our investor relations department at 516-683-4420 or visit us on the web at ir.mynycb.com. To start the discussion, I’ll now turn the call over to Mr. Ficalora who will provide a brief overview of our second quarter performance before opening the line for Q&A. Mr. Ficalora? Joseph Ficalora Thank you, Ilene, and thank you all for joining us this morning as we discuss our strong second quarter performance and the various factors that contribute to our earnings and asset growth. We are very pleased to report diluted GAAP and diluted operating earnings per share of $0.30 for the quarter together with diluted cash earnings per share of $0.32. Our GAAP earnings rose 11% on a linked quarter basis and were up 9.8% for the year earlier amount. Our operating earnings rose 11.3% on a linked quarter basis and up nearly 16% year-over-year. As you might expect we also saw an increase in our returns on average tangible equity and tangible assets. On an operating basis our ROTE was 17.39% in the current second quarter and our ROTA was an equally healthy 1.36%.