Non-Interest ExpensesTotal non-interest expense was $17.5 million for the quarter ended December 31, 2012, an increase of $1.9 million from $15.6 million in the fourth quarter of 2011. The fourth quarter of 2012 included $2.0 million of prepayment fees associated with the repayment of FHLB debt. Compensation and benefits decreased by $290,000 in the fourth quarter of 2012 compared to the fourth quarter of 2011. The year over year decrease in compensation and benefits expense is largely due to increased mortgage and commercial loan volume that results in deferred compensation costs associated with that volume. Other non-interest expenses increased $1.7 million in the fourth quarter of 2012 as a result of recording $2.0 million in FHLB prepayment fees as part of the executed balance sheet restructure. The increase in other non-interest expense was slightly offset by a decrease in credit related expenses, which consists of secondary market buy-back losses, real estate owned expenses and credit and collection expenses, of $553,000 in the fourth quarter of 2012 from the fourth quarter of 2011. Annual Results On an annual basis, earnings for 2012 were $18.7 million compared with $15.5 million in 2011. Net interest income for 2012 totaled $69.0 million, a decrease of $875,000 or 1.25% from 2011. Average interest-earning assets increased to $1.862 billion for 2012 compared to $1.848 billion in 2011. Net interest margin for 2012 was 3.81%, compared with 3.88% for 2011. The provision for loan losses for 2012 was $10.9 million, which was down from $12.4 million in 2011. Non-interest income for the twelve month period ended December 31, 2012 was $34.4 million compared to $27.5 million during the same period of 2011. The 2012 results include securities gains of $2.1 million, slightly offset by $5,000 related to other-than-temporary impairment (“OTTI”) charges recognized for one impaired investment security. The 2011 securities gains of $216,000 consisted of $218,000 related to gain on sale of available for sale securities slightly offset by $2,000 related to OTTI charges recognized for one impaired investment security. Service fees and other charges were $10.8 million for the year ended 2012 compared to $11.4 million during 2011. Mortgage banking income for 2012 was $9.7 million, up from $6.4 million in 2011. Insurance and investment sales revenues increased to $8.7 million in 2012, compared to $7.1 million in 2011. The insurance and investments increase is primarily due to the Payak-Dubbs Insurance Agency, Inc. acquisition that was completed on July 1, 2011. Other non-interest income was $1.5 million for the year ended 2012 compared to $478,000 for the same period in 2011 mainly due to receiving $618,000 from an insurance settlement in 2012.