Full-Year Net Income -- $69.2 million, a decrease of $19.3 million or 21.8%, attributed to security portfolio restructuring. C&I (Commercial and Industrial) Loans : Loans made to businesses, not secured by real estate, generally used for working capital, equipment purchase, or business expansion. The fourth quarter new loan production totaled approximately $327 million compared to third quarter production of approximately $500 million. And repurchased 369,804 shares of our common stock at an average price of $28.94 during the fourth quarter. Noninterest expense was $37.5 million for the fourth quarter, consistent with the last quarter with a slight decrease of $57,000.