Discussion of Outlook; President & Chief Executive Officer, Jeffrey G. Ludwig: "Our third quarter results reflect another solid quarter of execution and continued progress toward building a higher- performing community bank. We delivered diluted earnings per share of $0.95 and a 1.35% return on average assets while maintaining strong net interest margin. The Community Bank generated loan growth, while we continued the planned runoff of non-core portfolios, further improving the composition of our balance sh ...