BCAR 3rd qtr call rpt released. +$341K net income for bank vs. -$127K for last qtr. Big improvement over 3rd qtr 2012 when bank’s net loss was -$5.11 Million. Interest, fee and loan income up significantly. Regulatory capital ratios basically unchanged. Loan and lease loss provisions reduced by $2.78 million. Don’t know what holding company’s overhead costs are, but this is going in the right direction.