Not what I was expecting in EPS. I still feel it is undervalued at $14.75 BV as all of its peers take at a multiple of BV. Deposits up 83M or 13% in one year was very good news along which the 2 QTR in a row in which -0- write off on this growing economy. In the last 9 months, non performing loans decreased by 20% in spite of a growing portfolio. It appears like the bank will continue to perform for many quarters to come.