In May 2012, we successfully obtained the servicing of $54.6 million in loans previously serviced by a third party servicer and in November 2012, we obtained the servicing of $73.9 million in loans from another servicer. As a result of the transfer of servicing rights, at December 31, 2012, our one-to-four family residential mortgage portfolio serviced by others decreased significantly to $55.0 million, or 16.0% of our one-to-four family residential mortgage portfolio as compared to $178.5 million, or 59.9% of this portfolio at December 31, 2011, prior to obtaining servicing rights from the two servicers.Provision for loan losses increased to $600,000 for the quarter ended December 31, 2012 and $1.5 million for the six months ended December 31, 2012 as compared to no provision for the same periods last year. The increase in the provisions was primarily due to short sale losses and charge-offs on impaired loans. The increased short sale activity was the result of the transfer of servicing from the two prior third party servicers during the three and six-month periods ended December 31, 2012. After obtaining the servicing rights on loans previously serviced by others, the Company is now able to actively manage delinquent loans, directly work with the borrowers, conduct loan modifications, short sales or initiate foreclosure proceedings to further improve credit quality. The provisions reflect management's continuing assessment of the credit quality of the Company's loan portfolio, which is affected by various trends, including current economic conditions. The allowance for loan losses to non-performing loans was 27.29% at December 31, 2012 as compared to 29.54% at June 30, 2012. The decline in the allowance for loan losses to non-performing loans was a result of charge-offs of $1.2 million on impaired loans during the six months ended December 31, 2012. Delinquent loans 60 days or more totaled $8.9 million, or 1.25% of total loans at December 31, 2012 as compared to $9.4 million, or 1.22% of total loans at June 30, 2012. Non-performing loans decreased to $24.3 million, or 3.41% of total loans at December 31, 2012 as compared to $25.4 million, or 3.29% of total loans at June 30, 2012.