Non-performing assets, defined as non-covered non-accrual loans and other real estate owned, totaled $76.5 million at September 30, 2012, $72.3 million at June 30, 2012, $66.7 million at March 31, 2012, and $76.5 million at December 31, 2011..Classified loans are loans that are graded “substandard” or worse. At September 30, 2012, classified loans totaled $302.5 million, a slight increase from $298.1 million at June 30, 2012. Classified loans show a decrease of $56.7 million from $359.2 million at December 31, 2011. San Joaquin Bank Asset Quality (Covered loans) At September 30, 2012, we had $235.9 million of gross loans from SJB with a carrying value of $207.3 million, compared to $246.6 million of gross loans at June 30, 2012 with a carrying value of $210.1 million, and $330.4 million of gross loans at December 31, 2011 and $262.5 million in carrying value. Of the gross loans, we had $32.3 million in non-performing loans as of September 30, 2012, or 13.69%, compared to $83.7 million in non-performing loans at December 31, 2011. We had three properties in OREO totaling $1.3 million, compared to five properties totaling $3.2 million at June 30, 2012, and 16 properties totaling $9.8 million at December 31, 2011. CitizensTrust CitizensTrust has approximately $2.19 billion in assets under management and administration, including $1.86 billion in assets under management, as of September 30, 2012. Revenues were $2.0 million for the third quarter and $6.3 million for the first nine months of 2012, compared to $2.1 million and $6.5 million for the same periods in 2011. CitizensTrust provides trust, investment and brokerage related services, as well as financial, estate and business succession planning. Corporate Overview CVB Financial Corp. is the holding company for Citizens Business Bank. The Bank is the largest financial institution headquartered in the Inland Empire region of Southern California with assets of $6.3 billion. Citizens Business Bank serves 40 cities with 41 Business Financial Centers, five Commercial Banking Centers and two trust office locations in the Inland empire, Los Angeles County, Orange County and the Central Valley areas of California.