Good morning, and welcome to the SB Financial Group Third Quarter 2016 Conference Call and Webcast. I would like to inform you that this conference call is being recorded, and that all participants are in a listen-only mode. We will begin with remarks by management, and then open the conference up to the investment community for questions and answers. I will now turn the conference over to Melissa Martin with SB Financial. Please go ahead, Melissa.

Good morning, everyone. I would like to remind you that this conference call is being broadcast live over the Internet and will also be archived and available on our website at www.yoursbfinancial.com under Investor Relations. Joining me today are Mark Klein, Chairman, President and CEO; Tony Cosentino, Chief Financial Officer; and Jon Gathman, Senior Lending Officer. Before I turn the call over to Mr. Klein, let me add that this call may contain certain forward-looking statements regarding SB Financial Group's financial performance, anticipated plans, operational results and objectives. Forward-looking statements are based on management's expectations and are subject to a number of risks and uncertainties that could cause actual results to differ materially from those expressed or implied on our call today. We have identified a number of different factors within the forward-looking statements at the end of our earnings release and you are encouraged to review those factors. SB Financial Group undertakes no obligation to update any forward-looking statement, except as required by law, after the date of this call. In addition to the financial results presented in accordance with GAAP, this call will also contain certain non-GAAP financial measures. I will now turn the call over to Mr. Klein.

Thank you, Melissa, and good morning everyone. Welcome to our third quarter webcast for 2016. The positive trends and the earnings momentum that we reported in the first half of 2016 accelerated this quarter. Our strategies are sound and execution here is noteworthy. Our double-digit growth and net income reflected similar size increases in loans, deposits and mortgage originations that enable us to deliver significant increases in non interest income and net interest income. Collectively, these drove operating revenue higher by over 16%. Overall, the successful performance of our six distinct business lines delivered our quarterly ROA of 1.28%. Now a few highlights for the quarter. GAAP net income for the quarter 2.55 million, a 12.5% improvement over the linked quarter, and a 2.5% improvement over the year ago quarter. Likewise, our performance reflected a return on average assets as I mentioned of 1.28% for the quarter and 1.1% year-to-date. Net income available to common shares for the quarter was $2.3 million or $0.40 per share, representing a 14% improvement over the linked year quarter and year ago quarters. Loan balances grew another $15 million or 2.4%. Year-to-date, we have delivered over $60 million in loan growth or 14% annualized. Loan growth over last year’s third quarter reflects an expansion of over $78 million or 15%. Top line revenue grew by 956,000 or 9% to complement last quarter's growth of over 12%. Aggregately, year-over-year revenue expanded by over $1.6 million or approximately 17%. Expenses increased 7% from a linked quarter, and represent the expansion of our fee based business lines and support staff as well as market expansions. Assets under management and our wealth management division grew 2.3% and 11.4% over the prior year quarter with revenue up 8.1%. Mortgage origination volume for the quarter was over 117 million, or…

Thanks Mark. Good morning, everyone. For the quarter, as Mark said we had net income of $2.5 million, or $0.40 per diluted earnings per share. That EPS was up $0.05 from both the prior year and the linked quarter or 14%. Through nine months, diluted EPS of $1.01 is also up 14% from the prior year. So let’s look quickly review some highlights. Total operating revenue on a fully taxable equivalent basis for the quarter was up 9.6% from the prior year and up 3.8% from the linked quarter. Loan growth was up $79 million from the prior year or 14.5%. Loan sales delivered gains of $2.8 million from mortgage, small business and agriculture, which is up 41% from the prior year quarter. And lastly, we had a large commercial real estate non-performing credit payoff in full, which reduced non-performing loans by $3.5 million and recaptured interest income of approximately $120,000. As we breakdown the third quarter income statement, let’s begin with our margin. Net interest income on a fully taxable equivalent basis was up from the prior year by 9.6% and up 3.8% from the linked quarter. End of period loan balances from the prior year were up $78.5 million, an increase of 14.5% and we are up $14.6 million, or 9.6% annualized from the linked quarter. This quarter’s loan growth continued the very strong momentum of the first two quarters of 2016 when we added $27.6 million and $19.5 million of balance sheet growth in each quarter. We grew our loan book without sacrificing quality or price. Our average loan yield adjusted for the non-performing recapture, we decreased by 7 basis points from the prior year. Overall, earning asset yield was up 2 basis points from the prior year, reflecting the non-performing interest and our mix trending slightly…

Thank you, Tony. Overall, it was the best quarterly performance for our company in over 13 years. It has been said that mediocre strategy executed with precision would trump a great strategy poorly executed every time. Our belief is that it takes both, a great strategy and precise execution to achieve our vision of a high-performance company. At SB Financial, we think about how to capitalize on our opportunities with insight and innovation and then plan diligently to execute on each of those strategies. We look forward to reporting to you our full year performance in January. And now for questions and answers, I would like to turn it back over to Melissa.

Thank you, Mark. Carrie, we are now ready for our first question.

Thanks, Melissa. We will now begin the question-and-answer session. [Operator Instructions]

While we are waiting for additional questions, I'd like to remind you that today's call will be accessible on our website at www.yoursbfinancial.com under Investor Relations.

[Operator Instructions] I’m seeing no questions at this time Melissa.

Thank you, Carey. As there are no further questions. I will now turn the call back over to Mr. Klein

Once again thank you all for joining us this morning. We look forward to speaking with you again in January to report our full year earnings. Good bye. Have a good week end.

The conference has now concluded. Thank you for attending today’s presentation. You may now disconnect your lines. Have a great day.