Good day, and welcome to the Landmark Bancorp Inc. Second Quarter Earnings Conference Call. [Operator Instructions] Please note this event is being recorded. I would now like to turn the conference over to Michael E. Scheopner, President and CEO. Please go ahead, sir.

Thank you, and good afternoon. I want to start by thanking you for joining our call today to discuss Landmark's earnings and results of operations for the second quarter and year-to-date 2014. On the call with me today to discuss various aspects of our year-to-date and second quarter performance are Mark Herpich, CFO of the company; and Brad Chindamo, our Credit Risk Manager. Before we get started, I would like to remind our listeners that some of the information we will be providing today falls under the guidelines for forward-looking statements as defined by the Securities and Exchange Commission. As part of these guidelines, I must point out that any statements made during this presentation that discuss our hopes, beliefs, expectations or predictions for the future are forward-looking statements, and our actual results could differ materially from those expressed. Additional information on these factors is included from time to time in our 10-K and 10-Q filings, which can be obtained by contacting the company or the SEC. We reported record net earnings of $2.1 million for the second quarter 2014, which represents a 47.4% increase compared to the second quarter of 2013. That amounts to second quarter earnings per share of $0.65 on a fully diluted basis, up from $0.45 in the second quarter of 2013. Year-to-date, net earnings totaled a record $3.8 million. Our year-to-date 2014 earnings translate to net earnings per share of $1.18 on a fully diluted basis, up from $0.91 a year earlier. I feel good about our record results for the second quarter of 2014, and I anticipate that we will continue our trend to solid earnings as we progress through the remainder of the year. The second quarter and year-to-date earnings increases are principally a result of our acquisition of the Citizens Bank Group,…

Thanks, Michael, and good afternoon to everyone. As Michael has already summarized our results for the second quarter and 6 months ended June 30, I would like to make a few comments on the various elements comprising those record earnings results. Starting with the second quarter financial highlights. Net interest income was $6.1 million, an increase of $1.6 million in comparison to the prior year's second quarter. Net interest income benefited from our net interest margin, which increased from 3.47% -- or to 3.47% from 3.34% during the second quarter of 2013. Net interest margin remains relatively stable quarter-to-quarter and in comparison to the margin of 3.49% in the first quarter of 2014. Both the higher net interest income and the net interest margin were impacted primarily by our acquisition of Citizens Bank, resulting in an increase in the average interest-earning assets from $573.0 million in the second quarter of 2013 to $742.3 million during the second quarter of 2014. Looking at our provision, we provided $300,000 to the allowance for loan losses in the second quarter of 2014, as we did a year earlier. Noninterest income increased $1.6 million to $4.1 million for the second quarter of 2014 as compared to the same period of 2013. Our gains on sales of loans reflected an increase of $967,000 for the second quarter of 2014 compared to a year earlier, to which our acquisition of Citizens Bank contributed. Other factors contributing to this increase were a $517,000 increase in fees and service charges and $129,000 in other noninterest income, primarily a result of the Citizens Bank acquisition. Our first (sic) [second] quarter noninterest expenses increased by $2.2 million to $7.1 million on a linked-quarter basis, primarily resulting from the increased expenses related to operating 8 additional branch locations. These increases included…

Thanks, Mark, and good afternoon to everyone. Net loans outstanding as of June 30, 2014 totaled $413 million. This is a $1 million increase from the previous quarter-end net loan total of $412 million. We continue to focus on business development efforts to prospect new, high-quality commercial banking relationships and to expand existing high-quality relationships. Nonperforming loans, which primarily consist of loans greater than 90 days past due, totaled $6.6 million or 1.57% of gross loans as of June 30, 2014. This compares to a level of 2.35% as of year-end 2013. A large part of the portfolio's nonperforming loans is associated with 1 credit, a commercial loan relationship consisting of $3.2 million in real estate and land loans, which was placed on nonaccrual status after the borrower filed for Chapter 13 bankruptcy reorganization protection in 2012. I should further note that this loan had an $846,000 principal payment in the second quarter as a result of the auction of properties in the bankruptcy plan. Another indicator we monitor as part of our credit risk management efforts is our level of loans past due between 30 and 89 days. The level of past-due loans between 30 and 89 days still accruing interest as of June 30, 2014 totaled $1.4 million or 0.34% of gross loans. Of the loans in the 30 to 89 day past due category, 61% or $867,000 are associated with 1-to-4 family mortgage or other consumer retail-related credits. We continue to monitor consumer-related delinquency trends. Historically, Landmark has experienced very low levels of loss in these portfolios. Our balance in other assets, real estate owned, totaled $191,000 as of June 30, down from $245,000 the prior quarter and $2.2 million a year ago. The other real estate owned balances have been reduced as a result of the…

Thank you, Brad. I also want to thank Mark for his comments earlier in this afternoon's call. Before we go to questions, I just want to summarize by saying we are pleased with our operating results for the second quarter and year-to-date 2014. I'm also pleased with the progress we have made in the assimilation of the Citizens Bank acquisition and the community reaction to LNB in our newly acquired banking markets. As we anticipated, the acquisition has been accretive to earnings in 2014, and I expect that positive earnings impact to continue as we progress through the remainder of the year. With that, I'll open up to questions that anyone might have.

[Operator Instructions] At this time, I'm showing no questions in the queue, so we will conclude our question-and-answer session. I would like to hand the conference back over to Mr. Scheopner for his closing remarks.

Well, thank you, and thank you for joining us on our call today. I truly appreciate your support of the company, and I look forward to sharing our third quarter and year-to-date results on our conference call next quarter. Thank you.

Ladies and gentlemen, the conference has now concluded. We thank you for attending today's presentation. You may now disconnect your lines.