Cash Pay Advance

As Slide 14 shows, we are pleased to report the classified loans which do include non-accruals loans, fell during the quarter, showing a decline of slightly more than $15 million in a period and outstanding at approximately $115 million, eliminating what now appears to be a temporary bump-up in the fourth quarter of 2006, an increase in classified loans associated with the acquisition of St. As we have discussed in prior calls, our trend line showed good progress resulting from our efforts to reduce criticized loans, up until the third quarter and fourth quarter of 2006, where we posted alleviated levels. At 356 our net interest margin is 19 basis points higher than our third quarter margin and a, full 56 basis points higher than our first quarter 2007 margin. Slide 23 shows the trend in our cost of interest bearing deposits, when brokered CDs are included in our deposit costs; deposit costs declined 26 basis points from the third quarter. Compared to the fourth quarter of 2006, total fees on ATM transactions and transactions accounts in the fourth quarter of 2007 were up $1. Fourth quarter 2007 insurance agency revenue was $3 million lower than fourth quarter 2006, primarily as a result of a reclassification of third party administration fees, but it did include a decrease in processing casualty commissions in the fourth quarter of 2007. Find Out More

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