CPKF's 2024 fourth quarter net earnings increased $2.1 million, or 236%, to $3.0 million year over year, while diluted EPS rose $0.45, or 235%, to $0.64. This was better than our estimate, which had called for a $1.6 million increase in net earnings to $2.5 and a $0.35 increase in diluted EPS to $0.54.The major reasons for the fourth quarter's $2.1 million increase in net earnings versus the prior-year quarter were a $1.2 million, or 11%, increase in net interest income and a $1.0 million, or 22%, rise in total noninterest income. For the year, CPKF posted net income of $11.4 million, or $2.42 per diluted share, up $1.3 million, or 13%, from the $10.1 million, or $2.15 per diluted share, posted in 2023. Primary contributors to this result were a $4.4 million, or 11%, gain in net interest income, a $0.4 million, or 2%, gain in noninterest income, and $0.3 million lower taxes on a 3.4-point reduction in the effective tax rate. These positives were partly offset by a $3.7 million, or 7%, increase in noninterest expense, largely due to higher compensation costs, and a $0.1 million rise in the provision for credit losses to $0.9 million. We are reviewing our 2025 estimates. CPKF just raised the quarterly dividend by 3% to $0.16 per share and has raised its annual dividend payment every year for the past thirty-two years since 1991. In 2024 for the seventeenth consecutive year, CPKF was included in the American Banker magazine list of the "Top 100 Community Banks". Chesapeake Bank again garnered a top ranking in the American Banker's list of "Best Banks to Work for", and had a #41 spot in 2024, out of the 90 banks listed.