Balance SheetCompany assets were $684.0 million at December 31, 2012, a decrease of $16.7 million, or 2.4 percent from December 31, 2011. The significant decrease stems from two large December short-term deposits that increased our assets by approximately $48 million as of the end 2011. As described in our fourth quarter 2011 earnings release and annual report on form 10-K, these deposits were short-term in nature and, as expected, left the Bank by the end of January 2012. Taking these short-term deposit reductions into account, our adjusted assets increased by approximately $31.3 million during 2012. Our total loans at December 31, 2012 were $450.5 million, compared to $462.6 million at December 31, 2011. The decrease of $12.1 million, or 2.6 percent, was comprised of decreases in our commercial loan, commercial real estate loan, home equity loan and consumer loan categories, which decreased by $4.4 million, $4.8 million, $1.5 million, and $2.4 million respectively. These decreases were offset by an increase of $1.3 million in residential mortgage loans. Our securities available for sale at December 31, 2012 were $174.4 million, an increase of $45.8 million from December 31, 2011. Securities available for sale now comprise 25.5 percent of total assets. We have been strategically increasing the size of our investment portfolio to help combat margin compression and focus on preserving our net interest income as prudently as possible. The increase in the portfolio will help preserve net interest income, but will most likely result in the further compression of our net interest margin and an increase in our overall assets. The investment purchases were primarily funded with overnight borrowings in anticipation of our January 2013 Health Savings Account funding. Our total deposits at December 31, 2012 were $561.0 million compared to $602.0 million at December 31, 2011. As described above, we received two large, short-term, deposits of approximately $48 million in December 2011 that increased our deposit totals. Therefore, our adjusted deposits at December 31, 2011 were approximately $554.0 million. Excluding these short-term deposits, our deposit portfolio increased by approximately $7.0 million during 2012. Interest-bearing checking accounts increased by $55.1 million, the result of increases of $14.2 million in our Health Savings Accounts and the movement of approximately $28 million of noninterest-bearing account balances to our new interest-bearing checking account for commercial customers. As a result of this movement between accounts and the departure of the short-term deposits discussed above, non-interest bearing accounts decreased $61.6 million from December 31, 2011. Other categories reporting declines in balances during the year include in-market CD's of $20.9 million, brokered certificates of deposit of $12.4 million, and money market accounts of $7.7 million.