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Welcome to the MBT Financial Corp.'s Second Quarter 2013 Earnings Conference Call. [ Instructions] Before we begin today's call, I would like to remind everyone that this call may involve certain statements christian louboutin sale uk that are not based on historical facts and are forward looking statements within the meaning of the Section 21A of the Securities Exchange Act of 1934.Forward looking statements, which are based on various assumptions, some of which are beyond the company's control, may be identified by reference prada outlet usa to a future period or periods or by the use of forward looking terminologies such as may, will, believe, expect, estimate, anticipate, continue or similar terms or variations on those terms or the negative of those terms. Government; changes in government regulations affecting financial institutions, timberland uk outlet including regulatory fees and capital improvements; changes in prevailing interest rates; acquisitions and the integration of acquired businesses; credit risk management; asset liability management; changes in the financial and securities markets, including changes with respect to the market nike air max pas cher femme value of our financial assets; the availability of and costs associated with sources of liquidity; and the ability of the company to resolve or dispose of problem loans.MBT Financial does not undertake, and specifically disclaims, any obligation to publicly release the results of any revisions which ugg pas cher femme may be made to any forward looking statements made to reflect the occurrence of anticipated or unanticipated events or circumstances after the date of such statements.On the conference today from MBT Financial Corp., we have Doug Chaffin, President and CEO President and Chief Executive Officer; ugg soldes John Skibski, Executive Vice President and Chief Financial Officer; and Tom Myers, Executive Vice President and Chief Lending Manager.We will now begin the call with management's prepared remarks, and then open the call to questions.
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