Credit QualityNonperforming assets (NPAs) declined to $55.3 million, or 2.20% of total assets, as of September 30, 2012, from $73.7 million, or 3.04% of total assets, at June 30, 2012. This improvement primarily resulted from a net reduction in other real estate owned (OREO) which declined to $17.0 million, from $40.6 million at June 30, 2012, driven primarily by the sale of a construction/land development property that was transferred to OREO in the second quarter and had a carrying value of $15.9 million at June 30, 2012. Nonaccrual loans were $38.2 million, or 2.94% of total loans, up from $33.1 million, or 2.62% of total loans, at June 30, 2012. Loan delinquencies were $95.7 million, or 7.4% of total loans, up from $83.9 million, or 6.6% of total loans, in the prior quarter, primarily reflecting additions of single family and commercial business nonaccrual loans. Excluding single family mortgage loans insured or guaranteed by the FHA or VA, loan delinquencies were $50.7 million, or 3.9% of total loans, up from $41.2 million, or 3.3% of total loans, in the prior quarter. The allowance for credit losses increased by $502 thousand to $27.6 million, or 2.12% of total loans, compared to $27.1 million, or 2.13% of total loans, at June 30, 2012. A provision for credit losses of $5.5 million was recorded for the third quarter of 2012, compared with $2.0 million recorded in the second quarter of 2012. Net charge-offs in the quarter decreased to $5.0 million, down from $10.3 million in the second quarter of 2012. Deposits Deposits were $1.98 billion at September 30, 2012, up $77.1 million, or 4%, from $1.90 billion at June 30, 2012 and down $75.2 million, or 4%, from a year ago. Certificates of deposit decreased $71.0 million, or 9%, from the prior quarter and $409.6 million, or 37%, from a year ago as we manage the reduction of these higher-cost deposits and replace them with lower-cost transaction and savings deposits, which increased $75.4 million, or 8%, from the prior quarter and $295.3 million, or 40%, from a year ago. The improvement in the composition of deposits reflects a focused effort on attracting transaction and savings deposit balances through our branch network and converting customers with maturing certificates of deposit to transaction and savings deposits.