Greetings and welcome to the Third Quarter 2010 Wilmington Trust Corp. Conference Call. At this time, all participants are in a listen-only mode. The question-and-answer session will follow up formal presentation. (Operator Instructions). As a reminder, this conference is being recorded. It is now ... Wilmington Trust WL reported third-quarter and year-to-date earnings results Oct. 19 that showed slight impacts from recent turbulence in the residential construction sector. In specific, the bank increased its allowance for future loan losses, even though current charge-offs remained at relatively ... We're maintaining our fair value estimate for Wilmington Trust WL following the bank's announcement of second-quarter results Friday. The numbers weren't very pretty, but we had incorporated weak forecasts into our model, so the results were largely in line with our expectations and our long-term ... We are no longer providing equity research on Wilmington Trust WL following its acquisition by M&T Bank MTB. We provide broad coverage of more than 1,700 companies across more than 140 industries, and adjust our coverage as necessary based on client demand and investor interest.   We're maintaining our fair value estimate for Wilmington Trust WL following the bank's announcement of first-quarter results Friday. The numbers were largely in line with our forecasts, and our long-term thesis is unchanged. Net income fell $1.6 million from the first quarter of 2007, to $41.4 ... We're placing Wilmington Trust WL under review as we transition coverage to a new analyst. We are placing Wilmington Trust WL under review following its release of fourth-quarter results. Overall, the results met our expectations. Total revenue excluding nonrecurring items grew 9% from the year-ago quarter, and operating expenses remained under control. The bank increased its loan book ... After reviewing Wilmington Trust's WL second-quarter results, which the company reported July 20, we're likely to maintain our fair value estimate. Wilmington remains more or less on track to meet our full-year estimates, and there's nothing in the numbers to make us question our long-term thesis. ... After reviewing Wilmington Trust's WL first-quarter results, reported Friday, we're likely to leave our fair value estimate unchanged. While the company saw profits slide amid contracting net interest margins and accelerating costs associated with business expansion, we think there's a light at the ... We are suspending Wilmington Trust's WL issuer rating pending the bank's acquisition by M&T Bank MTB, to which we assign a BBB+ issuer rating.