For the 12 months ended December 31, 2013, net interest income after the provision for credit losses was $17.79 million compared with $20.52 million for the 12 months ended December 31, 2012. In 2013, the Company recorded a $2.53 million provision for loan losses, compared with a provision of $1.46 million in 2012.The Company's net interest margin was 3.31% for the fourth quarter of 2013, compared with 3.21%, 3.35%, and 3.32% in the third, second and first quarters of 2013, respectively, and 3.55% in the fourth quarter of 2012. Although there was continuing pressure on margins throughout 2013, the Company was able to mitigate some of this pressure through interest expense management and a diminished reliance on outside borrowings. Management anticipates the reduction in non-performing assets will positively impact margins in future quarters. Total non-interest income, including fees from wealth management, gains on the sale of investment securities and SBA 7(a) loans and fees from debit cards and merchant services was $1.1 million in the fourth quarter of 2013. Fee income from wealth management services increased 23% compared with the fourth quarter of 2012. Total non-interest income for the 12 months of 2013 was $4.79 million compared with $4.53 million for the 12 months of 2012. The Company's gains on sale of securities increased 46% compared with 2012, and fee income from wealth management was up 43% year-over-year. Total non-interest expense was $17.45 million for the 12 months ended December 31, 2013 compared with $17.70 million for the 12 months ended December 31, 2012. While maintaining stable year-over-year expenses, the Company made significant investments in its future, including an upgraded operating system and improved network to support faster, more efficient transactions. The Company renovated key locations, including expanding its West Chester, PA office, which serves as a regional center for Chester County, DNB's primary market for commercial lending and wealth management.