Tangible book value per share of $16.19 increased 5% from the linked quarter and 14% from a year ago, while tangible common equity increased 47 basis points from June 30 to 8.87% at the September. I will now turn the call over to Jamie to discuss these results in greater detail. After Jamie is done, I will wrap up with some additional forward-looking commentary and closing remarks. Jamie?Lower production in our specialty businesses, along with a greater percentage of construction originations, which fund ov ...