Non-interest income increased $569,000 to $5.3 million for the year ended December 31, 2012 compared to the year ended December 31, 2011. The increase was primarily due to an increase in income related to the sale of mortgage loans on the secondary market, an increase in debit card related income and an increase in revenue from Valley Title Services, LLC partially offset by reductions in nonsufficient fund charges on deposit accounts and customer investment sales commissions.Non-interest expense increased $447,000 to $11.9 million for the year ended December 31, 2012 compared to the year ended December 31, 2011. The increase was primarily due to data processing fees related to increased debit card transactions as well as increased salary and employee benefits expenses including an increase in the number of employees. Income tax expense for the year ended December 31, 2012 was $1.6 million as compared to $754,000 for the year ended December 31, 2011. The primary reason for the change was the increase in taxable income during the 2012 period. Total assets increased $7.9 million to $291.6 million at December 31, 2012, compared to $283.7 million at December 31, 2011. The Bank was considered well-capitalized under applicable federal regulatory capital guidelines at December 31, 2012. This release may contain forward-looking statements within the meaning of the federal securities laws. These statements are not historical facts; rather, they are statements based on the Company's current expectations regarding its business strategies and their intended results and its future performance. Forward-looking statements are preceded by terms such as "expects", "believes", "anticipates", "intends" and similar expressions. Forward-looking statements are not guarantees of future performance. Numerous risks and uncertainties could cause or contribute to the Company's actual results, performance and achievements to be materially different from those expressed or implied by the forward-looking statements. Factors that may cause or contribute to these differences include, without limitation, general economic conditions, including changes in market interest rates and changes in monetary and fiscal policies of the federal government; legislative and regulatory changes; and other factors disclosed periodically in the Company's filings with the Securities and Exchange Commission.