Our retail business model continues to provide for standardized customer friendly products, while maintaining a high degree of personal accessibility. Product characteristics such as these, applied to the addition of the Westerly branches, and coupled with organic growth exceeding plan levels, contributed to total growth in deposits to a record $193 million. Though retail loan originations declined from the prior year, we nonetheless again exceeded our annual objectives. This level of activity, in a year characterized by rising interest rates and the absence of refinancing activity, lends support to our belief in a business model featuring the delivery of top-notch service and individual attention to the customer.