Salaries and benefits declined by $2.5 million, mainly due to lessen compensation that is incentive, and greater deferred costs related to new loan originations. This decreases were partially offset by increases in marketing cost of around $1.1 million as a result of increases in direct mail and sponsorships, expert charges of $955,000 linked to greater consulting prices for strategic initiatives, FDIC costs of $873,000 mainly as a result of a reduced FDIC little bank evaluation credit gained when you look at the 4th quarter and OREO and credit-related cost of around $542,000 because of OREO valuation changes driven by updated appraisals received through the quarter.