Our asset quality will hover lower and then eventually creep up a little bit, but were usually relatively low compared to peers. We do have 2 commercial loans that are currently a challenge in our loan portfolio, but we have a transition plan for one where the loan was sold to another individual owner. Tim Melvin: You guys have what appears to be a pretty strong dividend and buy back plan in place for shareholders. Can you talk about those a little bit? Rachel Foley: We have had a buy back plan in place for several years now. Our goal is to buy back shares around our tangible book value to create value for our shareholders. Furthermore, our dividend policy provides a solid return to our shareholders. We have a lot of community members who are shareholders and by providing a dividend, we are able to give them a tangible return on their investment. Our Board of Directors feels that it is important to give back to the investors who have invested in us and helped us grow. Tim Melvin: Now, looking out to the future, growth plans for Lake Shore Bankcorp. check my referenceWhat are you guys thinking now?
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