The Company's total revenue increased by 3% in the fourth quarter compared to the linked quarter, however core revenue decreased by 3%. The decrease in core revenue reflects the volatility in market spreads for sales of residential mortgages to the secondary market and the reduced volume sold to the secondary market on a linked quarter basis. As a result of the expansion of the Company's mortgage banking business in 2012, the Company achieved record originations during the quarter, however historically high margins recognized on sales in the third quarter declined to a more normalized level in the fourth quarter. The Company sold residential mortgage loans totaling $49 million in the fourth quarter 2012 at an average spread of 2.73% compared to $64 million at an average spread of 3.95% in the third quarter 2012 due to timing differences within the application process. This business line continues to evolve and will continue to be a key line of business for the Company.Operating revenue increased from the linked quarter primarily due to a $1.0 million payment the Company received from its data processing vendor, Jack Henry & Associates. The payment was in relation to the service disruptions our customers experienced when the Jack Henry & Associates operations center located in Lyndhurst, New Jersey was impacted by Hurricane Sandy in the fourth quarter. Noninterest income was negatively impacted during the quarter by the waiving of $107,000 of NSF fees during the service disruption. The Company incurred $503,000 of additional expense directly related to the service disruption. The Company recorded higher salaries and employee benefits during the quarter of $461,000 in additional compensation costs paid to those customer service and back office representatives assisting our customers through the delay in their items processing, and also recorded approximately $42,000 of other additional expenses related to the service disruption.