CPKF's first quarter net earnings, excluding a one-time charge from repositioning its investment securities portfolio of $8.0 million aftertax, or $1.69 per diluted share, increased $0.8 million, or 29%, to $3.55 million year over year, while 2025's first quarter diluted EPS rose $0.17, or 29%, to $0.75. Including this one-time charge, CPKF reported a net loss of $4.45 million, or a diluted loss per share of $0.94. This was better than our estimate, which had called for flat net earnings (off by $0.8 million), as well as flat diluted EPS (off by $0.17).We are increasing our diluted EPS estimate for 2025 by $0.20 from $2.50 to $2.70, representing a 12% gain over 2024's actual EPS of $2.42. Our initial 2026 diluted EPS estimate is $2.85, or a gain of 6% over our 2025 estimate. We expect good gains in net interest income in 2025 and 2026 as solid loan growth will be aided by better prospects for CPKF's net interest margin. We also expect continuing growth in the contribution to revenues and earnings of CPKF's specialty lines of business. Merchant services income should benefit as CPKF expands its footprint in this business, while cash management should profit from the addition of a new sales person. Higher compensation costs due to increases in full-time equivalent employees will be a headwind, but well-controlled non-compensation costs should provide a partial offset. CPKF 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", having a #41 spot in 2024, out of 90 banks listed.