At December 31, 2012, we had $26.0 million of overnight borrowings at a cost of 12 basis points.At December 31, 2012, we had $67.0 million of junior subordinated debentures, compared to $115.1 million at December 31, 2011. On January 7, 2012, we redeemed the outstanding capital and common securities issued by First Coastal Capital Trust II for total consideration of $6.8 million. We also redeemed 50% of the outstanding capital and common securities issued by CVB Capital Trust I (the “Trust”) on June 17, 2012 and September 17, 2012, respectively. The Trust was redeemed in total for $41.2 million. We took these actions to deleverage the balance sheet and reduce ongoing funding costs. Subsequent to December 31, 2012, we redeemed an additional $20.6 million of the outstanding capital and common securities issued by the Company’s trust subsidiary, CVB Statutory Trust II, on January 7, 2013. Asset Quality We have separated the discussion of asset quality into two sections: non-covered loans and covered loans. The non-covered loans represent the legacy Citizens Business Bank loans and exclude all loans acquired in the SJB acquisition. The SJB loans are “covered” loans as defined in the loss sharing agreement with the FDIC. These loans were marked to fair value at the acquisition date. Citizens Business Bank Asset Quality (Non-covered loans) The allowance for credit losses was $92.4 million at December 31, 2012, compared to $92.1 million at September 30, 2012 and $94.0 million at December 31, 2011. The increase for the fourth quarter was due to $374,000 in net loan recoveries for the fourth quarter 2012. The decrease in the allowance for credit losses from December 31, 2011 was due to $1.5 million in net charge-offs for the year ended December 31, 2012. The allowance for credit losses was 2.84%, 2.85%, 2.89%, 2.89% and 2.92% of total non-covered loans and leases outstanding at December 31, 2012, September 30, 2012, June 30, 2012, March 31, 2012 and December 31, 2011, respectively. There was zero provision for credit losses for the year ended December 31, 2012, compared to a provision for credit losses of $7.1 million for 2011.