I mentioned earlier that we are positioned as the largest community bank operating in our key metropolitan markets. As you will hear from all of our business line executives today, we think our size gives us the ability to offer many of the same products and services as the larger competitors, but our local focus allows us to do so in a much more personal and responsive manner.Our commercial retail and wealth management teams have developed a sales culture that is aggressive in building client relationships and achieving our growth objectives and we think the strong sales culture gives us the ability to not only retain our solid market share position in key metro markets, but also leverage that position for continued growth. Tony Stollings will also, who is our Chief Risk Officer will discuss what we think is the strong risk management program that we have in place and how it serves as a base for supporting growth objectives. Our current strategic priorities are consistent with our long-term strategic plan and are clearly focused on sales and revenue growth. We are maximizing our efficiency management of our balance sheet and capital, rethinking in a shareholder friendly manner. And from a business development perspective, our primary objective is to attract and develop deeper client relationships with a strong focus on metropolitan markets I mentioned earlier. Over the past several years we have made significant progress in building out our presence in Cincinnati, and we are working hard to leverage the 2011 acquisitions and build greater scale in Dayton and Indianapolis. We are continuing to enhance the delivery of our products and services and Kevin Langford our Chief Administrative Officer will touch on some of the key technology initiatives and how they are impacting our client experience. We also remain focused on streamlining our processes; analyzing profitability of the company and our branch franchise; it is an ongoing process as demonstrated by our leasing consolidation plan announced earlier this year.