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<p style="margin-top: 0; margin-bottom: 0; margin-left: 0em; text-indent: 0em; text-align: justify"><font style="font: 10pt Times New Roman, Times, Serif">NOTE
TWO:   LOANS</font></p>
<p style="font: 10pt/11pt Times New Roman, Times, Serif; margin: 0"> </p>
<p style="font: 10pt/11pt Times New Roman, Times, Serif; margin: 0">A summary of loans outstanding as of March 31, 2012 and December
31, 2011 is shown in the table below (in thousands of dollars):</p>
<p style="font: 10pt/11pt Times New Roman, Times, Serif; margin: 0; text-indent: 1in"> </p>
<table cellpadding="0" cellspacing="0" align="center" style="border-collapse: collapse; width: 100%; font: 10pt Times New Roman, Times, Serif">
<tr style="vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td colspan="2" nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">March 31, 2012</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td colspan="2" nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">December 31, 2011</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td></tr>
<tr style="vertical-align: bottom; background-color: rgb(204,238,255); font: 10pt Times New Roman, Times, Serif">
<td nowrap="nowrap" style="width: 78%; font: 10pt Times New Roman, Times, Serif; text-align: left; padding-left: 5.4pt">Commercial Mortgage</td><td nowrap="nowrap" style="width: 1%; font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">$</td><td nowrap="nowrap" style="width: 8%; font: 10pt Times New Roman, Times, Serif; text-align: right">138,114</td><td nowrap="nowrap" style="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="width: 1%; font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">$</td><td nowrap="nowrap" style="width: 8%; font: 10pt Times New Roman, Times, Serif; text-align: right">139,374</td><td nowrap="nowrap" style="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: White; font: 10pt Times New Roman, Times, Serif">
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left; padding-left: 5.4pt">Commercial Other</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">13,975</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">13,709</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: rgb(204,238,255); font: 10pt Times New Roman, Times, Serif">
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left; padding-left: 5.4pt">Consumer Mortgage</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">136,776</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">136,472</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: White; font: 10pt Times New Roman, Times, Serif">
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left; padding-bottom: 1pt; padding-left: 5.4pt">Consumer Other</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt"> </td>
<td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right">22,502</td><td nowrap="nowrap" style="padding-bottom: 1pt; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt"> </td>
<td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right">23,501</td><td nowrap="nowrap" style="padding-bottom: 1pt; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: rgb(204,238,255); font: 10pt Times New Roman, Times, Serif">
<td nowrap="nowrap" style="padding-left: 5.4pt; font: 10pt Times New Roman, Times, Serif"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left">$</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">311,367</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left">$</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">313,056</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td></tr>
</table>
<p style="font: 10pt/11pt Times New Roman, Times, Serif; margin: 0"> </p>
<p style="font: 10pt/11pt Times New Roman, Times, Serif; margin: 0"><font style="letter-spacing: -0.1pt">The
following is a summary of information pertaining to impaired loans by portfolio segment at March 31, 2012 and December 31, 2011
(in thousands of dollars):</font></p>
<p style="font: 10pt/11pt Times New Roman, Times, Serif; margin: 0"> </p>
<table cellspacing="0" cellpadding="0" style="width: 100%; border-collapse: collapse">
<tr style="vertical-align: bottom">
<td nowrap="nowrap" colspan="11" style="font: bold 10pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">Impaired Loans</td></tr>
<tr style="vertical-align: bottom">
<td nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">As of March 31, 2012</td></tr>
</table>
<p style="margin: 0">  </p>
<table cellpadding="0" cellspacing="0" align="center" style="border-collapse: collapse; width: 100%; font: 10pt Times New Roman, Times, Serif">
<tr style="vertical-align: bottom">
<td nowrap="nowrap"> </td><td nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif"> </td>
<td colspan="2" nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif; text-align: center">Recorded <br />
Investment</td><td nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif"> </td><td nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif"> </td>
<td colspan="2" nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif; text-align: center">Unpaid<br />
Principal<br />
Balance</td><td nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif"> </td><td nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif"> </td>
<td colspan="2" nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif; text-align: center">Related <br />
Allowance</td><td nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif"> </td><td nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif"> </td>
<td colspan="2" nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif; text-align: center">Average <br />
Recorded Investment</td><td nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif"> </td><td nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif"> </td>
<td colspan="2" nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif; text-align: center">Interest <br />
Income Recognized</td><td nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif"> </td></tr>
<tr style="vertical-align: bottom">
<td nowrap="nowrap"> </td><td nowrap="nowrap"> </td>
<td colspan="2" nowrap="nowrap"> </td><td nowrap="nowrap"> </td><td nowrap="nowrap"> </td>
<td colspan="2" nowrap="nowrap"> </td><td nowrap="nowrap"> </td><td nowrap="nowrap"> </td>
<td colspan="2" nowrap="nowrap"> </td><td nowrap="nowrap"> </td><td nowrap="nowrap"> </td>
<td colspan="2" nowrap="nowrap"> </td><td nowrap="nowrap"> </td><td nowrap="nowrap"> </td>
<td colspan="2" nowrap="nowrap"> </td><td nowrap="nowrap"> </td></tr>
<tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
<td nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif; text-align: left">With no related allowance recorded:</td><td nowrap="nowrap"> </td>
<td nowrap="nowrap" style="text-align: left; vertical-align: bottom"> </td><td nowrap="nowrap" style="text-align: right"> </td><td nowrap="nowrap" style="text-align: left"> </td><td nowrap="nowrap"> </td>
<td nowrap="nowrap" style="text-align: left; vertical-align: bottom"> </td><td nowrap="nowrap" style="text-align: right"> </td><td nowrap="nowrap" style="text-align: left"> </td><td nowrap="nowrap"> </td>
<td nowrap="nowrap" style="text-align: left"> </td><td nowrap="nowrap" style="text-align: right"> </td><td nowrap="nowrap" style="text-align: left"> </td><td nowrap="nowrap"> </td>
<td nowrap="nowrap" style="text-align: left; vertical-align: bottom"> </td><td nowrap="nowrap" style="text-align: right"> </td><td nowrap="nowrap" style="text-align: left"> </td><td nowrap="nowrap"> </td>
<td nowrap="nowrap" style="text-align: left; vertical-align: bottom"> </td><td nowrap="nowrap" style="text-align: right"> </td><td nowrap="nowrap" style="text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: White">
<td nowrap="nowrap" style="width: 35%; font: 10pt Times New Roman, Times, Serif; text-align: left; padding-left: 10pt">Commercial Mortgage</td><td nowrap="nowrap" style="width: 6%; font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="width: 2%; font: 10pt Times New Roman, Times, Serif; text-align: left; vertical-align: bottom">$</td><td nowrap="nowrap" style="width: 8%; font: 10pt Times New Roman, Times, Serif; text-align: right">21,312</td><td nowrap="nowrap" style="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="width: 1%; font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="width: 2%; font: 10pt Times New Roman, Times, Serif; text-align: left; vertical-align: bottom">$</td><td nowrap="nowrap" style="width: 8%; font: 10pt Times New Roman, Times, Serif; text-align: right">21,312</td><td nowrap="nowrap" style="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="width: 1%; font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="width: 2%; font: 10pt Times New Roman, Times, Serif; text-align: left">$</td><td nowrap="nowrap" style="width: 8%; font: 10pt Times New Roman, Times, Serif; text-align: right">0</td><td nowrap="nowrap" style="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="width: 1%; font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="width: 2%; font: 10pt Times New Roman, Times, Serif; text-align: left; vertical-align: bottom">$</td><td nowrap="nowrap" style="width: 8%; font: 10pt Times New Roman, Times, Serif; text-align: right">22,668</td><td nowrap="nowrap" style="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="width: 1%; font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="width: 2%; font: 10pt Times New Roman, Times, Serif; text-align: left; vertical-align: bottom">$</td><td nowrap="nowrap" style="width: 8%; font: 10pt Times New Roman, Times, Serif; text-align: right">304</td><td nowrap="nowrap" style="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left; padding-left: 10pt">Commercial Other</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left; vertical-align: bottom"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">288</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left; vertical-align: bottom"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">288</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">0</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left; vertical-align: bottom"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">304</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left; vertical-align: bottom"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">8</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: White">
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left; padding-left: 10pt">Consumer Mortgage</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left; vertical-align: bottom"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">937</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left; vertical-align: bottom"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">937</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">0</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left; vertical-align: bottom"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">938</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left; vertical-align: bottom"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">13</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left; padding-bottom: 1pt; padding-left: 10pt">Consumer Other</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt"> </td>
<td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left; vertical-align: bottom"> </td><td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right">67</td><td nowrap="nowrap" style="padding-bottom: 1pt; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt"> </td>
<td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left; vertical-align: bottom"> </td><td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right">67</td><td nowrap="nowrap" style="padding-bottom: 1pt; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt"> </td>
<td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right">0</td><td nowrap="nowrap" style="padding-bottom: 1pt; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt"> </td>
<td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left; vertical-align: bottom"> </td><td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right">68</td><td nowrap="nowrap" style="padding-bottom: 1pt; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt"> </td>
<td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left; vertical-align: bottom"> </td><td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right">1</td><td nowrap="nowrap" style="padding-bottom: 1pt; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: White">
<td nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif; text-align: left; padding-bottom: 1pt; padding-left: 5em; vertical-align: bottom">Sub-total</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt"> </td>
<td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left; vertical-align: bottom">$</td><td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right">22,604</td><td nowrap="nowrap" style="padding-bottom: 1pt; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt"> </td>
<td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left; vertical-align: bottom">$</td><td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right">22,604</td><td nowrap="nowrap" style="padding-bottom: 1pt; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt"> </td>
<td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left">$</td><td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right">0</td><td nowrap="nowrap" style="padding-bottom: 1pt; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt"> </td>
<td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left; vertical-align: bottom">$</td><td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right">23,978</td><td nowrap="nowrap" style="padding-bottom: 1pt; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt"> </td>
<td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left; vertical-align: bottom">$</td><td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right">326</td><td nowrap="nowrap" style="padding-bottom: 1pt; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
<td nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif; text-align: left">With an allowance recorded:</td><td nowrap="nowrap"> </td>
<td nowrap="nowrap" style="text-align: left; vertical-align: bottom"> </td><td nowrap="nowrap" style="text-align: right"> </td><td nowrap="nowrap" style="text-align: left"> </td><td nowrap="nowrap"> </td>
<td nowrap="nowrap" style="text-align: left; vertical-align: bottom"> </td><td nowrap="nowrap" style="text-align: right"> </td><td nowrap="nowrap" style="text-align: left"> </td><td nowrap="nowrap"> </td>
<td nowrap="nowrap" style="text-align: left"> </td><td nowrap="nowrap" style="text-align: right"> </td><td nowrap="nowrap" style="text-align: left"> </td><td nowrap="nowrap"> </td>
<td nowrap="nowrap" style="text-align: left; vertical-align: bottom"> </td><td nowrap="nowrap" style="text-align: right"> </td><td nowrap="nowrap" style="text-align: left"> </td><td nowrap="nowrap"> </td>
<td nowrap="nowrap" style="text-align: left; vertical-align: bottom"> </td><td nowrap="nowrap" style="text-align: right"> </td><td nowrap="nowrap" style="text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: White">
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left; padding-left: 10pt">Commercial Mortgage</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left; vertical-align: bottom"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">8,620</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left; vertical-align: bottom"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">8,620</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">913</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left; vertical-align: bottom"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">8,636</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left; vertical-align: bottom"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">57</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left; padding-left: 10pt">Commercial Other</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left; vertical-align: bottom"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">71</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left; vertical-align: bottom"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">71</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">71</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left; vertical-align: bottom"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">73</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left; vertical-align: bottom"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">1</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: White">
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left; padding-left: 10pt">Consumer Mortgage</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left; vertical-align: bottom"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">806</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left; vertical-align: bottom"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">806</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">320</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left; vertical-align: bottom"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">807</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left; vertical-align: bottom"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">10</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left; padding-bottom: 1pt; padding-left: 10pt">Consumer Other</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt"> </td>
<td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left; vertical-align: bottom"> </td><td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right">27</td><td nowrap="nowrap" style="padding-bottom: 1pt; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt"> </td>
<td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left; vertical-align: bottom"> </td><td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right">27</td><td nowrap="nowrap" style="padding-bottom: 1pt; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt"> </td>
<td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right">15</td><td nowrap="nowrap" style="padding-bottom: 1pt; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt"> </td>
<td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left; vertical-align: bottom"> </td><td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right">27</td><td nowrap="nowrap" style="padding-bottom: 1pt; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt"> </td>
<td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left; vertical-align: bottom"> </td><td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right">1</td><td nowrap="nowrap" style="padding-bottom: 1pt; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: White">
<td nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif; text-align: left; padding-bottom: 1pt; padding-left: 5em; vertical-align: bottom">Sub-total</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt"> </td>
<td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left; vertical-align: bottom">$</td><td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right">9,524</td><td nowrap="nowrap" style="padding-bottom: 1pt; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt"> </td>
<td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left; vertical-align: bottom">$</td><td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right">9,524</td><td nowrap="nowrap" style="padding-bottom: 1pt; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt"> </td>
<td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left">$</td><td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right">1,319</td><td nowrap="nowrap" style="padding-bottom: 1pt; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt"> </td>
<td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left; vertical-align: bottom">$</td><td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right">9,543</td><td nowrap="nowrap" style="padding-bottom: 1pt; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt"> </td>
<td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left; vertical-align: bottom">$</td><td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right">69</td><td nowrap="nowrap" style="padding-bottom: 1pt; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
<td nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif">Total</td><td nowrap="nowrap"> </td>
<td nowrap="nowrap" style="text-align: left; vertical-align: bottom"> </td><td nowrap="nowrap" style="text-align: right"> </td><td nowrap="nowrap" style="text-align: left"> </td><td nowrap="nowrap"> </td>
<td nowrap="nowrap" style="text-align: left; vertical-align: bottom"> </td><td nowrap="nowrap" style="text-align: right"> </td><td nowrap="nowrap" style="text-align: left"> </td><td nowrap="nowrap"> </td>
<td nowrap="nowrap" style="text-align: left"> </td><td nowrap="nowrap" style="text-align: right"> </td><td nowrap="nowrap" style="text-align: left"> </td><td nowrap="nowrap"> </td>
<td nowrap="nowrap" style="text-align: left; vertical-align: bottom"> </td><td nowrap="nowrap" style="text-align: right"> </td><td nowrap="nowrap" style="text-align: left"> </td><td nowrap="nowrap"> </td>
<td nowrap="nowrap" style="text-align: left; vertical-align: bottom"> </td><td nowrap="nowrap" style="text-align: right"> </td><td nowrap="nowrap" style="text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: White">
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left; padding-left: 10pt">Commercial Mortgage</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left; vertical-align: bottom"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">29,932</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left; vertical-align: bottom"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">29,932</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">913</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left; vertical-align: bottom"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">31,304</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left; vertical-align: bottom"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">361</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left; padding-left: 10pt">Commercial Other</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left; vertical-align: bottom"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">359</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left; vertical-align: bottom"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">359</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">71</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left; vertical-align: bottom"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">377</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left; vertical-align: bottom"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">9</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: White">
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left; padding-left: 10pt">Consumer Mortgage</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left; vertical-align: bottom"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">1,743</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left; vertical-align: bottom"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">1,743</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">320</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left; vertical-align: bottom"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">1,745</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left; vertical-align: bottom"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">23</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left; padding-bottom: 1pt; padding-left: 10pt">Consumer Other</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt"> </td>
<td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left; vertical-align: bottom"> </td><td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right">94</td><td nowrap="nowrap" style="padding-bottom: 1pt; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt"> </td>
<td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left; vertical-align: bottom"> </td><td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right">94</td><td nowrap="nowrap" style="padding-bottom: 1pt; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt"> </td>
<td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right">15</td><td nowrap="nowrap" style="padding-bottom: 1pt; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt"> </td>
<td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left; vertical-align: bottom"> </td><td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right">95</td><td nowrap="nowrap" style="padding-bottom: 1pt; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt"> </td>
<td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left; vertical-align: bottom"> </td><td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right">2</td><td nowrap="nowrap" style="padding-bottom: 1pt; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: White">
<td nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif; text-align: left; padding-bottom: 2.5pt; padding-left: 5em; vertical-align: bottom">Total</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 2.5pt"> </td>
<td nowrap="nowrap" style="border-bottom: Black 2.5pt double; font: 10pt Times New Roman, Times, Serif; text-align: left; vertical-align: bottom">$</td><td nowrap="nowrap" style="border-bottom: Black 2.5pt double; font: 10pt Times New Roman, Times, Serif; text-align: right">32,128</td><td nowrap="nowrap" style="padding-bottom: 2.5pt; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 2.5pt"> </td>
<td nowrap="nowrap" style="border-bottom: Black 2.5pt double; font: 10pt Times New Roman, Times, Serif; text-align: left; vertical-align: bottom">$</td><td nowrap="nowrap" style="border-bottom: Black 2.5pt double; font: 10pt Times New Roman, Times, Serif; text-align: right">32,128</td><td nowrap="nowrap" style="padding-bottom: 2.5pt; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 2.5pt"> </td>
<td nowrap="nowrap" style="border-bottom: Black 2.5pt double; font: 10pt Times New Roman, Times, Serif; text-align: left">$</td><td nowrap="nowrap" style="border-bottom: Black 2.5pt double; font: 10pt Times New Roman, Times, Serif; text-align: right">1,319</td><td nowrap="nowrap" style="padding-bottom: 2.5pt; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 2.5pt"> </td>
<td nowrap="nowrap" style="border-bottom: Black 2.5pt double; font: 10pt Times New Roman, Times, Serif; text-align: left; vertical-align: bottom">$</td><td nowrap="nowrap" style="border-bottom: Black 2.5pt double; font: 10pt Times New Roman, Times, Serif; text-align: right">33,521</td><td nowrap="nowrap" style="padding-bottom: 2.5pt; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 2.5pt"> </td>
<td nowrap="nowrap" style="border-bottom: Black 2.5pt double; font: 10pt Times New Roman, Times, Serif; text-align: left; vertical-align: bottom">$</td><td nowrap="nowrap" style="border-bottom: Black 2.5pt double; font: 10pt Times New Roman, Times, Serif; text-align: right">395</td><td nowrap="nowrap" style="padding-bottom: 2.5pt; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td></tr>
</table>
<p style="font: 10pt/11pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><font style="letter-spacing: -0.1pt; background-color: white"> </font></p>
<p style="font: 10pt/11pt Times New Roman, Times, Serif; margin: 0; text-align: justify"> </p>
<table cellspacing="0" cellpadding="0" style="width: 100%; border-collapse: collapse; font: 10pt Times New Roman, Times, Serif">
<tr style="vertical-align: bottom">
<td nowrap="nowrap" colspan="11" style="font: bold 10pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">Impaired Loans</td></tr>
<tr style="vertical-align: bottom">
<td nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif; padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">As of December 31, 2011</td></tr>
</table>
<p style="margin: 0"> </p>
<table cellpadding="0" cellspacing="0" align="center" style="border-collapse: collapse; width: 100%; font: 10pt Times New Roman, Times, Serif">
<tr style="vertical-align: bottom">
<td nowrap="nowrap"> </td><td nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif"> </td>
<td colspan="2" nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif; text-align: center">Recorded <br /> Investment</td><td nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif"> </td><td nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif"> </td>
<td colspan="2" nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif; text-align: center">Unpaid <br /> Principal <br /> Balance</td><td nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif"> </td><td nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif"> </td>
<td colspan="2" nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif; text-align: center">Related <br /> Allowance</td><td nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif"> </td><td nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif"> </td>
<td colspan="2" nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif; text-align: center">Average <br /> Recorded <br /> Investment</td><td nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif"> </td><td nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif"> </td>
<td colspan="2" nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif; text-align: center">Interest <br /> Income<br /> Recognized</td><td nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif"> </td></tr>
<tr style="vertical-align: bottom">
<td nowrap="nowrap"> </td><td nowrap="nowrap"> </td>
<td colspan="2" nowrap="nowrap"> </td><td nowrap="nowrap"> </td><td nowrap="nowrap"> </td>
<td colspan="2" nowrap="nowrap"> </td><td nowrap="nowrap"> </td><td nowrap="nowrap"> </td>
<td colspan="2" nowrap="nowrap"> </td><td nowrap="nowrap"> </td><td nowrap="nowrap"> </td>
<td colspan="2" nowrap="nowrap"> </td><td nowrap="nowrap"> </td><td nowrap="nowrap"> </td>
<td colspan="2" nowrap="nowrap"> </td><td nowrap="nowrap"> </td></tr>
<tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
<td nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif; text-align: left">With no related allowance recorded:</td><td nowrap="nowrap"> </td>
<td nowrap="nowrap" style="text-align: left"> </td><td nowrap="nowrap" style="text-align: right"> </td><td nowrap="nowrap" style="text-align: left"> </td><td nowrap="nowrap"> </td>
<td nowrap="nowrap" style="text-align: left"> </td><td nowrap="nowrap" style="text-align: right"> </td><td nowrap="nowrap" style="text-align: left"> </td><td nowrap="nowrap"> </td>
<td nowrap="nowrap" style="text-align: left"> </td><td nowrap="nowrap" style="text-align: right"> </td><td nowrap="nowrap" style="text-align: left"> </td><td nowrap="nowrap"> </td>
<td nowrap="nowrap" style="text-align: left"> </td><td nowrap="nowrap" style="text-align: right"> </td><td nowrap="nowrap" style="text-align: left"> </td><td nowrap="nowrap"> </td>
<td nowrap="nowrap" style="text-align: left"> </td><td nowrap="nowrap" style="text-align: right"> </td><td nowrap="nowrap" style="text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: White">
<td nowrap="nowrap" style="width: 35%; font: 10pt Times New Roman, Times, Serif; text-align: left; padding-left: 10pt">Commercial Mortgage</td><td nowrap="nowrap" style="width: 6%; font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="width: 2%; font: 10pt Times New Roman, Times, Serif; text-align: left">$</td><td nowrap="nowrap" style="width: 8%; font: 10pt Times New Roman, Times, Serif; text-align: right">21,160</td><td nowrap="nowrap" style="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="width: 1%; font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="width: 2%; font: 10pt Times New Roman, Times, Serif; text-align: left">$</td><td nowrap="nowrap" style="width: 8%; font: 10pt Times New Roman, Times, Serif; text-align: right">21,160</td><td nowrap="nowrap" style="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="width: 1%; font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="width: 2%; font: 10pt Times New Roman, Times, Serif; text-align: left">$</td><td nowrap="nowrap" style="width: 8%; font: 10pt Times New Roman, Times, Serif; text-align: right">0</td><td nowrap="nowrap" style="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="width: 1%; font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="width: 2%; font: 10pt Times New Roman, Times, Serif; text-align: left">$</td><td nowrap="nowrap" style="width: 8%; font: 10pt Times New Roman, Times, Serif; text-align: right">23,065</td><td nowrap="nowrap" style="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="width: 1%; font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="width: 2%; font: 10pt Times New Roman, Times, Serif; text-align: left">$</td><td nowrap="nowrap" style="width: 8%; font: 10pt Times New Roman, Times, Serif; text-align: right">1,287</td><td nowrap="nowrap" style="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left; padding-left: 10pt">Commercial Other</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">261</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">261</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">0</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">300</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">23</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: White">
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left; padding-bottom: 1pt; padding-left: 10pt">Consumer Mortgage</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt"> </td>
<td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right">930</td><td nowrap="nowrap" style="padding-bottom: 1pt; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt"> </td>
<td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right">930</td><td nowrap="nowrap" style="padding-bottom: 1pt; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt"> </td>
<td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right">0</td><td nowrap="nowrap" style="padding-bottom: 1pt; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt"> </td>
<td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right">940</td><td nowrap="nowrap" style="padding-bottom: 1pt; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt"> </td>
<td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right">49</td><td nowrap="nowrap" style="padding-bottom: 1pt; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
<td nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif; text-align: left; padding-bottom: 1pt; padding-left: 5em; vertical-align: bottom">Sub-total</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt"> </td>
<td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left">$</td><td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right">22,351</td><td nowrap="nowrap" style="padding-bottom: 1pt; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt"> </td>
<td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left">$</td><td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right">22,351</td><td nowrap="nowrap" style="padding-bottom: 1pt; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt"> </td>
<td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left">$</td><td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right">0</td><td nowrap="nowrap" style="padding-bottom: 1pt; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt"> </td>
<td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left">$</td><td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right">24,305</td><td nowrap="nowrap" style="padding-bottom: 1pt; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt"> </td>
<td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left">$</td><td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right">1,359</td><td nowrap="nowrap" style="padding-bottom: 1pt; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: White">
<td nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif; text-align: left">With an allowance recorded:</td><td nowrap="nowrap"> </td>
<td nowrap="nowrap" style="text-align: left"> </td><td nowrap="nowrap" style="text-align: right"> </td><td nowrap="nowrap" style="text-align: left"> </td><td nowrap="nowrap"> </td>
<td nowrap="nowrap" style="text-align: left"> </td><td nowrap="nowrap" style="text-align: right"> </td><td nowrap="nowrap" style="text-align: left"> </td><td nowrap="nowrap"> </td>
<td nowrap="nowrap" style="text-align: left"> </td><td nowrap="nowrap" style="text-align: right"> </td><td nowrap="nowrap" style="text-align: left"> </td><td nowrap="nowrap"> </td>
<td nowrap="nowrap" style="text-align: left"> </td><td nowrap="nowrap" style="text-align: right"> </td><td nowrap="nowrap" style="text-align: left"> </td><td nowrap="nowrap"> </td>
<td nowrap="nowrap" style="text-align: left"> </td><td nowrap="nowrap" style="text-align: right"> </td><td nowrap="nowrap" style="text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left; padding-left: 10pt">Commercial Mortgage</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">5,383</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">5,383</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">1,018</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">5,469</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">125</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: White">
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left; padding-left: 10pt">Commercial Other</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">430</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">430</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">167</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">475</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">23</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left; padding-bottom: 1pt; padding-left: 10pt">Consumer Mortgage</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt"> </td>
<td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right">1,036</td><td nowrap="nowrap" style="padding-bottom: 1pt; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt"> </td>
<td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right">1,036</td><td nowrap="nowrap" style="padding-bottom: 1pt; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt"> </td>
<td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right">328</td><td nowrap="nowrap" style="padding-bottom: 1pt; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt"> </td>
<td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right">1,036</td><td nowrap="nowrap" style="padding-bottom: 1pt; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt"> </td>
<td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right">42</td><td nowrap="nowrap" style="padding-bottom: 1pt; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: White">
<td nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif; text-align: left; padding-bottom: 1pt; padding-left: 5em; vertical-align: bottom">Sub-total</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt"> </td>
<td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left">$</td><td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right">6,849</td><td nowrap="nowrap" style="padding-bottom: 1pt; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt"> </td>
<td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left">$</td><td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right">6,849</td><td nowrap="nowrap" style="padding-bottom: 1pt; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt"> </td>
<td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left">$</td><td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right">1,513</td><td nowrap="nowrap" style="padding-bottom: 1pt; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt"> </td>
<td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left">$</td><td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right">6,980</td><td nowrap="nowrap" style="padding-bottom: 1pt; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt"> </td>
<td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left">$</td><td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right">190</td><td nowrap="nowrap" style="padding-bottom: 1pt; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
<td nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif">Total</td><td nowrap="nowrap"> </td>
<td nowrap="nowrap" style="text-align: left"> </td><td nowrap="nowrap" style="text-align: right"> </td><td nowrap="nowrap" style="text-align: left"> </td><td nowrap="nowrap"> </td>
<td nowrap="nowrap" style="text-align: left"> </td><td nowrap="nowrap" style="text-align: right"> </td><td nowrap="nowrap" style="text-align: left"> </td><td nowrap="nowrap"> </td>
<td nowrap="nowrap" style="text-align: left"> </td><td nowrap="nowrap" style="text-align: right"> </td><td nowrap="nowrap" style="text-align: left"> </td><td nowrap="nowrap"> </td>
<td nowrap="nowrap" style="text-align: left"> </td><td nowrap="nowrap" style="text-align: right"> </td><td nowrap="nowrap" style="text-align: left"> </td><td nowrap="nowrap"> </td>
<td nowrap="nowrap" style="text-align: left"> </td><td nowrap="nowrap" style="text-align: right"> </td><td nowrap="nowrap" style="text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: White">
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left; padding-left: 10pt">Commercial Mortgage</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">26,543</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">26,543</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">1,018</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">28,534</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">1,412</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left; padding-left: 10pt">Commercial Other</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">691</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">691</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">167</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">775</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">46</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: White">
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left; padding-bottom: 1pt; padding-left: 10pt">Consumer Mortgage</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt"> </td>
<td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right">1,966</td><td nowrap="nowrap" style="padding-bottom: 1pt; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt"> </td>
<td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right">1,966</td><td nowrap="nowrap" style="padding-bottom: 1pt; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt"> </td>
<td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right">328</td><td nowrap="nowrap" style="padding-bottom: 1pt; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt"> </td>
<td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right">1,976</td><td nowrap="nowrap" style="padding-bottom: 1pt; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt"> </td>
<td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right">91</td><td nowrap="nowrap" style="padding-bottom: 1pt; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
<td nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif; text-align: left; padding-bottom: 2.5pt; padding-left: 5em; vertical-align: bottom">Total</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 2.5pt"> </td>
<td nowrap="nowrap" style="border-bottom: Black 2.5pt double; font: 10pt Times New Roman, Times, Serif; text-align: left">$</td><td nowrap="nowrap" style="border-bottom: Black 2.5pt double; font: 10pt Times New Roman, Times, Serif; text-align: right">29,200</td><td nowrap="nowrap" style="padding-bottom: 2.5pt; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 2.5pt"> </td>
<td nowrap="nowrap" style="border-bottom: Black 2.5pt double; font: 10pt Times New Roman, Times, Serif; text-align: left">$</td><td nowrap="nowrap" style="border-bottom: Black 2.5pt double; font: 10pt Times New Roman, Times, Serif; text-align: right">29,200</td><td nowrap="nowrap" style="padding-bottom: 2.5pt; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 2.5pt"> </td>
<td nowrap="nowrap" style="border-bottom: Black 2.5pt double; font: 10pt Times New Roman, Times, Serif; text-align: left">$</td><td nowrap="nowrap" style="border-bottom: Black 2.5pt double; font: 10pt Times New Roman, Times, Serif; text-align: right">1,513</td><td nowrap="nowrap" style="padding-bottom: 2.5pt; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 2.5pt"> </td>
<td nowrap="nowrap" style="border-bottom: Black 2.5pt double; font: 10pt Times New Roman, Times, Serif; text-align: left">$</td><td nowrap="nowrap" style="border-bottom: Black 2.5pt double; font: 10pt Times New Roman, Times, Serif; text-align: right">31,285</td><td nowrap="nowrap" style="padding-bottom: 2.5pt; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 2.5pt"> </td>
<td nowrap="nowrap" style="border-bottom: Black 2.5pt double; font: 10pt Times New Roman, Times, Serif; text-align: left">$</td><td nowrap="nowrap" style="border-bottom: Black 2.5pt double; font: 10pt Times New Roman, Times, Serif; text-align: right">1,549</td><td nowrap="nowrap" style="padding-bottom: 2.5pt; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td></tr>
</table>
<p style="font: 10pt/11pt Times New Roman, Times, Serif; margin: 0; text-align: justify"> </p>
<p style="font: 10pt/11pt Times New Roman, Times, Serif; margin: 0; text-align: justify">The average recorded investment in impaired
loans was $30,957,000 and $33,521,000 for the three months ended March 31, 2011 and 2012, respectively.  The interest income
recognized on impaired loans was $309,000 and $393,000 for the three months ended March 31, 2011 and 2012, respectively.</p>
<p style="font: 10pt/11pt Times New Roman, Times, Serif; margin: 0; text-align: justify"> </p>
<p style="font: 10pt/11pt Times New Roman, Times, Serif; margin: 0; text-align: justify">No loans were identified as impaired with
potential loss as of March 31, 2012 or December 31, 2011 for which an allowance was not provided. The table above includes troubled
debt restructurings (TDR) of $18,063,000 and $14,152,000 as of March 31, 2012 and December 31, 2011, respectively. Loans are identified
as TDR if concessions are made related to the terms of the loan beyond regular lending practices in response to a borrower’s
financial condition. Restructured loans performing in accordance with modified terms consist of twenty commercial mortgages and
nineteen consumer mortgages. Restructured loans not performing in accordance with modified terms consist of four commercial mortgages
and two consumer mortgages. These loans were balloon renewals or restructurings of borrowers experiencing financial difficulties
at either current market rates for borrowers not experiencing financial difficulties, were modified to reduce interest rates, or
provide for interest-only payment periods. These loans did not have any additional commitments to extend credit at March 31, 2012.</p>
<p style="font: 10pt/11pt Times New Roman, Times, Serif; margin: 0; text-align: justify"> </p>
<p style="font: 10pt/11pt Times New Roman, Times, Serif; margin: 0; text-align: justify">Balances of non-accrual loans at March
31, 2012 and December 31, 2011 are shown below (in thousands of dollars):</p>
<p style="font: 10pt/11pt Times New Roman, Times, Serif; margin: 0; text-align: justify"> </p>
<table cellpadding="0" cellspacing="0" align="center" style="border-collapse: collapse; width: 100%; font: 10pt Times New Roman, Times, Serif">
<tr style="vertical-align: bottom">
<td nowrap="nowrap"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td colspan="2" nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">March 31, 2012</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td colspan="2" nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">December 31, 2011</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td></tr>
<tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
<td nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif; text-align: left">Loans on non-accrual status</td><td nowrap="nowrap"> </td>
<td nowrap="nowrap" style="text-align: left"> </td><td nowrap="nowrap" style="text-align: right"> </td><td nowrap="nowrap" style="text-align: left"> </td><td nowrap="nowrap"> </td>
<td nowrap="nowrap" style="text-align: left"> </td><td nowrap="nowrap" style="text-align: right"> </td><td nowrap="nowrap" style="text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: White">
<td nowrap="nowrap" style="width: 78%; font: 10pt Times New Roman, Times, Serif; text-align: left; padding-left: 10pt">Commercial Mortgage</td><td nowrap="nowrap" style="width: 1%; font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">$</td><td nowrap="nowrap" style="width: 8%; font: 10pt Times New Roman, Times, Serif; text-align: right">4,644</td><td nowrap="nowrap" style="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="width: 1%; font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">$</td><td nowrap="nowrap" style="width: 8%; font: 10pt Times New Roman, Times, Serif; text-align: right">4,152</td><td nowrap="nowrap" style="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left; padding-left: 10pt">Commercial Other</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">0</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">295</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: White">
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left; padding-left: 10pt">Consumer Mortgage</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">2,538</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">3,526</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left; padding-bottom: 1pt; padding-left: 10pt">Consumer Other</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt"> </td>
<td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right">66</td><td nowrap="nowrap" style="padding-bottom: 1pt; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt"> </td>
<td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right">48</td><td nowrap="nowrap" style="padding-bottom: 1pt; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: White">
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left; padding-left: 10pt">Total non-accrual loans</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left">$</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">7,248</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left">$</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">8,021</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td></tr>
</table>
<p style="font: 10pt/11pt Times New Roman, Times, Serif; margin: 0; text-align: justify"> </p>
<p style="font: 10pt/11pt Times New Roman, Times, Serif; margin: 0; text-align: justify">Certain loans identified as impaired are
placed into non-accrual status, based upon the loan’s performance compared with contractual terms. Not all loans identified
as impaired are placed into non-accrual status. The interest on loans identified as impaired and placed into non-accrual status
that was not recognized as income throughout the year (foregone interest) was $114,000 for the three month period ended March 31,
2012.</p>
<p style="font: 10pt/11pt Times New Roman, Times, Serif; margin: 0; text-align: justify">The following table presents the contractual
aging of the recorded investment in past due loans by class as of March 31, 2012 and December 31, 2011 (in thousands of dollars):</p>
<p style="font: 10pt/11pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><b> </b></p>
<table cellpadding="0" cellspacing="0" align="center" style="border-collapse: collapse; width: 100%; font: 10pt Times New Roman, Times, Serif">
<tr style="vertical-align: bottom">
<td colspan="31" nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif; text-align: center">Age Analysis of Past Due Financing Receivables</td></tr>
<tr style="vertical-align: bottom">
<td colspan="31" nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif; text-align: center">As of March 31, 2012</td></tr>
<tr style="vertical-align: bottom">
<td nowrap="nowrap"> </td><td nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif"> </td>
<td colspan="2" nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif; text-align: center">30-59<br />
Days <br />
Past <br />
Due</td><td nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif"> </td><td nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif"> </td>
<td colspan="2" nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif; text-align: center">60-89 <br />
Days Past <br />
Due</td><td nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif"> </td><td nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif"> </td>
<td colspan="2" nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif; text-align: center">Greater <br />
Than 90 <br />
Days</td><td nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif"> </td><td nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif"> </td>
<td colspan="2" nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif; text-align: center">Total Past <br />
Due</td><td nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif"> </td><td nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif"> </td>
<td colspan="2" nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif; text-align: center">Current</td><td nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif"> </td><td nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif"> </td>
<td colspan="2" nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif; text-align: center">Total <br />
Financing <br />
Receivables</td><td nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif"> </td><td nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif"> </td>
<td colspan="2" nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif; text-align: center">Recorded <br />
Investment<br />
> 90 Days <br />
and <br />
Accruing</td><td nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif"> </td></tr>
<tr style="vertical-align: bottom">
<td nowrap="nowrap"> </td><td nowrap="nowrap"> </td>
<td colspan="2" nowrap="nowrap"> </td><td nowrap="nowrap"> </td><td nowrap="nowrap"> </td>
<td colspan="2" nowrap="nowrap"> </td><td nowrap="nowrap"> </td><td nowrap="nowrap"> </td>
<td colspan="2" nowrap="nowrap"> </td><td nowrap="nowrap"> </td><td nowrap="nowrap"> </td>
<td colspan="2" nowrap="nowrap"> </td><td nowrap="nowrap"> </td><td nowrap="nowrap"> </td>
<td colspan="2" nowrap="nowrap"> </td><td nowrap="nowrap"> </td><td nowrap="nowrap"> </td>
<td colspan="2" nowrap="nowrap"> </td><td nowrap="nowrap"> </td><td nowrap="nowrap"> </td>
<td colspan="2" nowrap="nowrap"> </td><td nowrap="nowrap"> </td></tr>
<tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
<td nowrap="nowrap" style="width: 23%; font: bold 10pt Times New Roman, Times, Serif; text-align: left">Commercial - Mortgage</td><td nowrap="nowrap" style="width: 1%; font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">$</td><td nowrap="nowrap" style="width: 8%; font: 10pt Times New Roman, Times, Serif; text-align: right">4,703</td><td nowrap="nowrap" style="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="width: 1%; font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">$</td><td nowrap="nowrap" style="width: 8%; font: 10pt Times New Roman, Times, Serif; text-align: right">898</td><td nowrap="nowrap" style="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="width: 1%; font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">$</td><td nowrap="nowrap" style="width: 8%; font: 10pt Times New Roman, Times, Serif; text-align: right">4,731</td><td nowrap="nowrap" style="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="width: 1%; font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">$</td><td nowrap="nowrap" style="width: 8%; font: 10pt Times New Roman, Times, Serif; text-align: right">10,332</td><td nowrap="nowrap" style="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="width: 1%; font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">$</td><td nowrap="nowrap" style="width: 8%; font: 10pt Times New Roman, Times, Serif; text-align: right">127,782</td><td nowrap="nowrap" style="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="width: 1%; font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">$</td><td nowrap="nowrap" style="width: 8%; font: 10pt Times New Roman, Times, Serif; text-align: right">138,114</td><td nowrap="nowrap" style="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="width: 1%; font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">$</td><td nowrap="nowrap" style="width: 8%; font: 10pt Times New Roman, Times, Serif; text-align: right">309</td><td nowrap="nowrap" style="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: White">
<td nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif">Commercial -Other</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">285</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">96</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">18</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">399</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">13,576</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">13,975</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">18</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
<td nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif; text-align: left">Consumer - Mortgage</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">3,994</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">1,060</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">1,683</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">6,737</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">130,039</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">136,776</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">23</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: White">
<td nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif; text-align: left; padding-bottom: 1pt">Consumer - Other</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt"> </td>
<td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right">597</td><td nowrap="nowrap" style="padding-bottom: 1pt; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt"> </td>
<td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right">119</td><td nowrap="nowrap" style="padding-bottom: 1pt; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt"> </td>
<td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right">70</td><td nowrap="nowrap" style="padding-bottom: 1pt; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt"> </td>
<td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right">786</td><td nowrap="nowrap" style="padding-bottom: 1pt; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt"> </td>
<td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right">21,716</td><td nowrap="nowrap" style="padding-bottom: 1pt; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt"> </td>
<td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right">22,502</td><td nowrap="nowrap" style="padding-bottom: 1pt; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt"> </td>
<td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right">47</td><td nowrap="nowrap" style="padding-bottom: 1pt; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
<td nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 2.5pt">Total</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 2.5pt"> </td>
<td nowrap="nowrap" style="border-bottom: Black 2.5pt double; font: 10pt Times New Roman, Times, Serif; text-align: left">$</td><td nowrap="nowrap" style="border-bottom: Black 2.5pt double; font: 10pt Times New Roman, Times, Serif; text-align: right">9,579</td><td nowrap="nowrap" style="padding-bottom: 2.5pt; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 2.5pt"> </td>
<td nowrap="nowrap" style="border-bottom: Black 2.5pt double; font: 10pt Times New Roman, Times, Serif; text-align: left">$</td><td nowrap="nowrap" style="border-bottom: Black 2.5pt double; font: 10pt Times New Roman, Times, Serif; text-align: right">2,173</td><td nowrap="nowrap" style="padding-bottom: 2.5pt; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 2.5pt"> </td>
<td nowrap="nowrap" style="border-bottom: Black 2.5pt double; font: 10pt Times New Roman, Times, Serif; text-align: left">$</td><td nowrap="nowrap" style="border-bottom: Black 2.5pt double; font: 10pt Times New Roman, Times, Serif; text-align: right">6,502</td><td nowrap="nowrap" style="padding-bottom: 2.5pt; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 2.5pt"> </td>
<td nowrap="nowrap" style="border-bottom: Black 2.5pt double; font: 10pt Times New Roman, Times, Serif; text-align: left">$</td><td nowrap="nowrap" style="border-bottom: Black 2.5pt double; font: 10pt Times New Roman, Times, Serif; text-align: right">18,254</td><td nowrap="nowrap" style="padding-bottom: 2.5pt; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 2.5pt"> </td>
<td nowrap="nowrap" style="border-bottom: Black 2.5pt double; font: 10pt Times New Roman, Times, Serif; text-align: left">$</td><td nowrap="nowrap" style="border-bottom: Black 2.5pt double; font: 10pt Times New Roman, Times, Serif; text-align: right">293,113</td><td nowrap="nowrap" style="padding-bottom: 2.5pt; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 2.5pt"> </td>
<td nowrap="nowrap" style="border-bottom: Black 2.5pt double; font: 10pt Times New Roman, Times, Serif; text-align: left">$</td><td nowrap="nowrap" style="border-bottom: Black 2.5pt double; font: 10pt Times New Roman, Times, Serif; text-align: right">311,367</td><td nowrap="nowrap" style="padding-bottom: 2.5pt; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 2.5pt"> </td>
<td nowrap="nowrap" style="border-bottom: Black 2.5pt double; font: 10pt Times New Roman, Times, Serif; text-align: left">$</td><td nowrap="nowrap" style="border-bottom: Black 2.5pt double; font: 10pt Times New Roman, Times, Serif; text-align: right">397</td><td nowrap="nowrap" style="padding-bottom: 2.5pt; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: White">
<td nowrap="nowrap"> </td><td nowrap="nowrap"> </td>
<td nowrap="nowrap" style="text-align: left"> </td><td nowrap="nowrap" style="text-align: right"> </td><td nowrap="nowrap" style="text-align: left"> </td><td nowrap="nowrap"> </td>
<td nowrap="nowrap" style="text-align: left"> </td><td nowrap="nowrap" style="text-align: right"> </td><td nowrap="nowrap" style="text-align: left"> </td><td nowrap="nowrap"> </td>
<td nowrap="nowrap" style="text-align: left"> </td><td nowrap="nowrap" style="text-align: right"> </td><td nowrap="nowrap" style="text-align: left"> </td><td nowrap="nowrap"> </td>
<td nowrap="nowrap" style="text-align: left"> </td><td nowrap="nowrap" style="text-align: right"> </td><td nowrap="nowrap" style="text-align: left"> </td><td nowrap="nowrap"> </td>
<td nowrap="nowrap" style="text-align: left"> </td><td nowrap="nowrap" style="text-align: right"> </td><td nowrap="nowrap" style="text-align: left"> </td><td nowrap="nowrap"> </td>
<td nowrap="nowrap" style="text-align: left"> </td><td nowrap="nowrap" style="text-align: right"> </td><td nowrap="nowrap" style="text-align: left"> </td><td nowrap="nowrap"> </td>
<td nowrap="nowrap" style="text-align: left"> </td><td nowrap="nowrap" style="text-align: right"> </td><td nowrap="nowrap" style="text-align: left"> </td></tr>
</table>
<p style="margin: 0"> </p>
<table cellpadding="0" cellspacing="0" align="center" style="border-collapse: collapse; width: 100%">
<tr style="vertical-align: bottom">
<td colspan="29" style="font: bold 10pt Times New Roman, Times, Serif; text-align: center">Age Analysis of Past Due Financing Receivables</td></tr>
<tr style="vertical-align: bottom">
<td colspan="29" style="font: bold 10pt Times New Roman, Times, Serif; text-align: center">As of December 31, 2011</td></tr>
<tr style="vertical-align: bottom">
<td> </td><td style="font: bold 10pt Times New Roman, Times, Serif"> </td>
<td colspan="2" style="font: bold 10pt Times New Roman, Times, Serif; text-align: center">30-59 <br />
Days <br />
Past<br />
Due</td><td style="font: bold 10pt Times New Roman, Times, Serif"> </td><td style="font: bold 10pt Times New Roman, Times, Serif"> </td>
<td colspan="2" style="font: bold 10pt Times New Roman, Times, Serif; text-align: center">60-89 <br />
Days Past <br />
Due</td><td style="font: bold 10pt Times New Roman, Times, Serif"> </td><td style="font: bold 10pt Times New Roman, Times, Serif"> </td>
<td colspan="2" style="font: bold 10pt Times New Roman, Times, Serif; text-align: center">Greater <br />
Than 90 <br />
Days</td><td style="font: bold 10pt Times New Roman, Times, Serif"> </td><td style="font: bold 10pt Times New Roman, Times, Serif"> </td>
<td colspan="2" style="font: bold 10pt Times New Roman, Times, Serif; text-align: center">Total Past <br />
Due</td><td style="font: bold 10pt Times New Roman, Times, Serif"> </td><td style="font: bold 10pt Times New Roman, Times, Serif"> </td>
<td colspan="2" style="font: bold 10pt Times New Roman, Times, Serif; text-align: center">Current</td><td style="font: bold 10pt Times New Roman, Times, Serif"> </td><td style="font: bold 10pt Times New Roman, Times, Serif"> </td>
<td colspan="2" style="font: bold 10pt Times New Roman, Times, Serif; text-align: center">Total <br />
Financing <br />
Receivables</td><td style="font: bold 10pt Times New Roman, Times, Serif"> </td><td style="font: bold 10pt Times New Roman, Times, Serif"> </td>
<td colspan="2" style="font: bold 10pt Times New Roman, Times, Serif; text-align: center">Recorded <br />
Investment > 90 Days <br />
and <br />
Accruing</td><td style="font: bold 10pt Times New Roman, Times, Serif"> </td></tr>
<tr style="vertical-align: bottom">
<td> </td><td> </td>
<td colspan="2"> </td><td> </td><td> </td>
<td colspan="2"> </td><td> </td><td> </td>
<td colspan="2"> </td><td> </td><td> </td>
<td colspan="2"> </td><td> </td><td> </td>
<td colspan="2"> </td><td> </td><td> </td>
<td colspan="2"> </td><td> </td><td> </td>
<td colspan="2"> </td><td> </td></tr>
<tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
<td style="width: 23%; font: bold 10pt Times New Roman, Times, Serif; text-align: left">Commercial - Mortgage</td><td style="width: 1%; font: 10pt Times New Roman, Times, Serif"> </td>
<td style="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">$</td><td style="width: 8%; font: 10pt Times New Roman, Times, Serif; text-align: right">3,541</td><td style="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td style="width: 1%; font: 10pt Times New Roman, Times, Serif"> </td>
<td style="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">$</td><td style="width: 8%; font: 10pt Times New Roman, Times, Serif; text-align: right">1,490</td><td style="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td style="width: 1%; font: 10pt Times New Roman, Times, Serif"> </td>
<td style="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">$</td><td style="width: 8%; font: 10pt Times New Roman, Times, Serif; text-align: right">3,599</td><td style="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td style="width: 1%; font: 10pt Times New Roman, Times, Serif"> </td>
<td style="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">$</td><td style="width: 8%; font: 10pt Times New Roman, Times, Serif; text-align: right">8,630</td><td style="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td style="width: 1%; font: 10pt Times New Roman, Times, Serif"> </td>
<td style="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">$</td><td style="width: 8%; font: 10pt Times New Roman, Times, Serif; text-align: right">130,744</td><td style="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td style="width: 1%; font: 10pt Times New Roman, Times, Serif"> </td>
<td style="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">$</td><td style="width: 8%; font: 10pt Times New Roman, Times, Serif; text-align: right">139,374</td><td style="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td style="width: 1%; font: 10pt Times New Roman, Times, Serif"> </td>
<td style="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">$</td><td style="width: 8%; font: 10pt Times New Roman, Times, Serif; text-align: right">212</td><td style="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: White">
<td style="font: bold 10pt Times New Roman, Times, Serif">Commercial -Other</td><td style="font: 10pt Times New Roman, Times, Serif"> </td>
<td style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right">313</td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td style="font: 10pt Times New Roman, Times, Serif"> </td>
<td style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right">27</td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td style="font: 10pt Times New Roman, Times, Serif"> </td>
<td style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right">297</td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td style="font: 10pt Times New Roman, Times, Serif"> </td>
<td style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right">637</td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td style="font: 10pt Times New Roman, Times, Serif"> </td>
<td style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right">13,072</td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td style="font: 10pt Times New Roman, Times, Serif"> </td>
<td style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right">13,709</td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td style="font: 10pt Times New Roman, Times, Serif"> </td>
<td style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right">11</td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
<td style="font: bold 10pt Times New Roman, Times, Serif; text-align: left">Consumer - Mortgage</td><td style="font: 10pt Times New Roman, Times, Serif"> </td>
<td style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right">4,317</td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td style="font: 10pt Times New Roman, Times, Serif"> </td>
<td style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right">2,770</td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td style="font: 10pt Times New Roman, Times, Serif"> </td>
<td style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right">3,120</td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td style="font: 10pt Times New Roman, Times, Serif"> </td>
<td style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right">10,207</td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td style="font: 10pt Times New Roman, Times, Serif"> </td>
<td style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right">126,265</td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td style="font: 10pt Times New Roman, Times, Serif"> </td>
<td style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right">136,472</td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td style="font: 10pt Times New Roman, Times, Serif"> </td>
<td style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right">269</td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: White">
<td style="font: bold 10pt Times New Roman, Times, Serif; text-align: left; padding-bottom: 1pt">Consumer - Other</td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt"> </td>
<td style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right">738</td><td style="padding-bottom: 1pt; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt"> </td>
<td style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right">300</td><td style="padding-bottom: 1pt; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt"> </td>
<td style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right">65</td><td style="padding-bottom: 1pt; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt"> </td>
<td style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right">1,103</td><td style="padding-bottom: 1pt; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt"> </td>
<td style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right">22,398</td><td style="padding-bottom: 1pt; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt"> </td>
<td style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right">23,501</td><td style="padding-bottom: 1pt; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt"> </td>
<td style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right">44</td><td style="padding-bottom: 1pt; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
<td style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 2.5pt">Total</td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 2.5pt"> </td>
<td style="border-bottom: Black 2.5pt double; font: 10pt Times New Roman, Times, Serif; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; font: 10pt Times New Roman, Times, Serif; text-align: right">8,909</td><td style="padding-bottom: 2.5pt; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 2.5pt"> </td>
<td style="border-bottom: Black 2.5pt double; font: 10pt Times New Roman, Times, Serif; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; font: 10pt Times New Roman, Times, Serif; text-align: right">4,587</td><td style="padding-bottom: 2.5pt; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 2.5pt"> </td>
<td style="border-bottom: Black 2.5pt double; font: 10pt Times New Roman, Times, Serif; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; font: 10pt Times New Roman, Times, Serif; text-align: right">7,081</td><td style="padding-bottom: 2.5pt; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 2.5pt"> </td>
<td style="border-bottom: Black 2.5pt double; font: 10pt Times New Roman, Times, Serif; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; font: 10pt Times New Roman, Times, Serif; text-align: right">20,577</td><td style="padding-bottom: 2.5pt; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 2.5pt"> </td>
<td style="border-bottom: Black 2.5pt double; font: 10pt Times New Roman, Times, Serif; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; font: 10pt Times New Roman, Times, Serif; text-align: right">292,479</td><td style="padding-bottom: 2.5pt; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 2.5pt"> </td>
<td style="border-bottom: Black 2.5pt double; font: 10pt Times New Roman, Times, Serif; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; font: 10pt Times New Roman, Times, Serif; text-align: right">313,056</td><td style="padding-bottom: 2.5pt; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 2.5pt"> </td>
<td style="border-bottom: Black 2.5pt double; font: 10pt Times New Roman, Times, Serif; text-align: left">$</td><td style="border-bottom: Black 2.5pt double; font: 10pt Times New Roman, Times, Serif; text-align: right">536</td><td style="padding-bottom: 2.5pt; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: White">
<td> </td><td> </td>
<td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td>
<td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td>
<td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td>
<td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td>
<td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td>
<td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td>
<td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr>
</table>
<p style="font: 10pt/11pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><b> </b></p>
<p style="font: 10pt/11pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><b> </b></p>
<p style="font: 10pt/11pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><b>Troubled Debt Restructurings: </b></p>
<p style="font: 10pt/11pt Times New Roman, Times, Serif; margin: 0; text-align: justify"> </p>
<p style="font: 10pt/11pt Times New Roman, Times, Serif; margin: 0; text-align: justify">Impaired loans also include loans the
Banks may elect to formally restructure due to the weakening credit status of a borrower such that the restructuring may facilitate
a repayment plan that minimizes the potential losses, if any, that the Banks may have to otherwise incur. These loans are classified
as impaired loans and, if on nonaccrual status as of the date of the restructuring, the loans are included in the nonaccrual loan
balances noted above. Not included in nonperforming loans are loans that have been restructured that were performing in accordance
with modified terms as of March 31, 2012.</p>
<p style="font: 10pt/11pt Times New Roman, Times, Serif; margin: 0; text-align: justify"> </p>
<p style="font: 10pt/11pt Times New Roman, Times, Serif; margin: 0; text-align: justify">The following tables present the Company’s
loans restructured during the three month reporting period ending March 31, 2012 considered troubled debt by loan type (in thousands
of dollars except number of contracts):</p>
<p style="font: 10pt/11pt Times New Roman, Times, Serif; margin: 0; text-align: justify"> </p>
<table cellpadding="0" cellspacing="0" align="center" style="border-collapse: collapse; width: 100%; font: 10pt Times New Roman, Times, Serif">
<tr style="vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td><td nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif"> </td>
<td colspan="14" nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif; text-align: center">Troubled Debt Restructurings</td><td nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif"> </td></tr>
<tr style="vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td><td nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif; border-bottom: Black 1pt solid"> </td>
<td colspan="14" nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">For the Three Month Period Ended March 31, 2012</td><td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: bold 10pt Times New Roman, Times, Serif"> </td></tr>
<tr style="vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td><td nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif; border-bottom: Black 1pt solid"> </td>
<td colspan="2" nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif; text-align: right; border-bottom: Black 1pt solid">Number of <br /> Contacts</td><td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: bold 10pt Times New Roman, Times, Serif"> </td><td nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif; border-bottom: Black 1pt solid"> </td>
<td colspan="2" nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif; text-align: right; border-bottom: Black 1pt solid">Pre-Modification <br /> Outstanding <br /> Recorded <br /> Investment</td><td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: bold 10pt Times New Roman, Times, Serif"> </td><td nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif; border-bottom: Black 1pt solid"> </td>
<td colspan="2" nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif; text-align: right; border-bottom: Black 1pt solid">Post-Modification <br /> Outstanding<br /> Recorded<br /> Investment</td><td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: bold 10pt Times New Roman, Times, Serif"> </td><td nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif; border-bottom: Black 1pt solid"> </td>
<td colspan="2" nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif; text-align: right; border-bottom: Black 1pt solid">Allowance <br /> associated with <br /> TDR's</td><td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: bold 10pt Times New Roman, Times, Serif"> </td></tr>
<tr style="vertical-align: bottom; background-color: rgb(204,238,255); font: 10pt Times New Roman, Times, Serif">
<td nowrap="nowrap" style="text-align: left; font: 10pt Times New Roman, Times, Serif">Troubled Debt Restructurings</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="text-align: left; font: 10pt Times New Roman, Times, Serif"> </td><td nowrap="nowrap" style="text-align: right; font: 10pt Times New Roman, Times, Serif"> </td><td nowrap="nowrap" style="text-align: left; font: 10pt Times New Roman, Times, Serif"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="text-align: left; font: 10pt Times New Roman, Times, Serif"> </td><td nowrap="nowrap" style="text-align: right; font: 10pt Times New Roman, Times, Serif"> </td><td nowrap="nowrap" style="text-align: left; font: 10pt Times New Roman, Times, Serif"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="text-align: left; font: 10pt Times New Roman, Times, Serif"> </td><td nowrap="nowrap" style="text-align: right; font: 10pt Times New Roman, Times, Serif"> </td><td nowrap="nowrap" style="text-align: left; font: 10pt Times New Roman, Times, Serif"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="text-align: left; font: 10pt Times New Roman, Times, Serif"> </td><td nowrap="nowrap" style="text-align: right; font: 10pt Times New Roman, Times, Serif"> </td><td nowrap="nowrap" style="text-align: left; font: 10pt Times New Roman, Times, Serif"> </td></tr>
<tr style="vertical-align: bottom; background-color: White; font: 10pt Times New Roman, Times, Serif">
<td nowrap="nowrap" style="width: 56%; text-align: left; padding-left: 10pt; font: 10pt Times New Roman, Times, Serif">Commercial Mortgage</td><td nowrap="nowrap" style="width: 1%; font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="width: 1%; text-align: left; font: 10pt Times New Roman, Times, Serif"> </td><td nowrap="nowrap" style="width: 8%; text-align: right; font: 10pt Times New Roman, Times, Serif">4</td><td nowrap="nowrap" style="width: 1%; text-align: left; font: 10pt Times New Roman, Times, Serif"> </td><td nowrap="nowrap" style="width: 1%; font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="width: 1%; text-align: left; font: 10pt Times New Roman, Times, Serif">$</td><td nowrap="nowrap" style="width: 8%; text-align: right; font: 10pt Times New Roman, Times, Serif">1,916</td><td nowrap="nowrap" style="width: 1%; text-align: left; font: 10pt Times New Roman, Times, Serif"> </td><td nowrap="nowrap" style="width: 1%; font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="width: 1%; text-align: left; font: 10pt Times New Roman, Times, Serif">$</td><td nowrap="nowrap" style="width: 8%; text-align: right; font: 10pt Times New Roman, Times, Serif">1,916</td><td nowrap="nowrap" style="width: 1%; text-align: left; font: 10pt Times New Roman, Times, Serif"> </td><td nowrap="nowrap" style="width: 1%; font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="width: 1%; text-align: left; font: 10pt Times New Roman, Times, Serif">$</td><td nowrap="nowrap" style="width: 8%; text-align: right; font: 10pt Times New Roman, Times, Serif">55</td><td nowrap="nowrap" style="width: 1%; text-align: left; font: 10pt Times New Roman, Times, Serif"> </td></tr>
<tr style="vertical-align: bottom; background-color: rgb(204,238,255); font: 10pt Times New Roman, Times, Serif">
<td nowrap="nowrap" style="text-align: left; padding-left: 10pt; font: 10pt Times New Roman, Times, Serif">Commercial Other</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="text-align: left; font: 10pt Times New Roman, Times, Serif"> </td><td nowrap="nowrap" style="text-align: right; font: 10pt Times New Roman, Times, Serif">0</td><td nowrap="nowrap" style="text-align: left; font: 10pt Times New Roman, Times, Serif"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="text-align: left; font: 10pt Times New Roman, Times, Serif"> </td><td nowrap="nowrap" style="text-align: right; font: 10pt Times New Roman, Times, Serif">0</td><td nowrap="nowrap" style="text-align: left; font: 10pt Times New Roman, Times, Serif"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="text-align: left; font: 10pt Times New Roman, Times, Serif"> </td><td nowrap="nowrap" style="text-align: right; font: 10pt Times New Roman, Times, Serif">0</td><td nowrap="nowrap" style="text-align: left; font: 10pt Times New Roman, Times, Serif"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="text-align: left; font: 10pt Times New Roman, Times, Serif"> </td><td nowrap="nowrap" style="text-align: right; font: 10pt Times New Roman, Times, Serif">0</td><td nowrap="nowrap" style="text-align: left; font: 10pt Times New Roman, Times, Serif"> </td></tr>
<tr style="vertical-align: bottom; background-color: White; font: 10pt Times New Roman, Times, Serif">
<td nowrap="nowrap" style="text-align: left; padding-left: 10pt; font: 10pt Times New Roman, Times, Serif">Consumer Mortgage</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="text-align: left; font: 10pt Times New Roman, Times, Serif"> </td><td nowrap="nowrap" style="text-align: right; font: 10pt Times New Roman, Times, Serif">1</td><td nowrap="nowrap" style="text-align: left; font: 10pt Times New Roman, Times, Serif"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="text-align: left; font: 10pt Times New Roman, Times, Serif"> </td><td nowrap="nowrap" style="text-align: right; font: 10pt Times New Roman, Times, Serif">113</td><td nowrap="nowrap" style="text-align: left; font: 10pt Times New Roman, Times, Serif"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="text-align: left; font: 10pt Times New Roman, Times, Serif"> </td><td nowrap="nowrap" style="text-align: right; font: 10pt Times New Roman, Times, Serif">114</td><td nowrap="nowrap" style="text-align: left; font: 10pt Times New Roman, Times, Serif"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="text-align: left; font: 10pt Times New Roman, Times, Serif"> </td><td nowrap="nowrap" style="text-align: right; font: 10pt Times New Roman, Times, Serif">35</td><td nowrap="nowrap" style="text-align: left; font: 10pt Times New Roman, Times, Serif"> </td></tr>
<tr style="vertical-align: bottom; background-color: rgb(204,238,255); font: 10pt Times New Roman, Times, Serif">
<td nowrap="nowrap" style="text-align: left; padding-bottom: 1pt; padding-left: 10pt; font: 10pt Times New Roman, Times, Serif">Consumer Other</td><td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right">0</td><td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right">0</td><td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right">0</td><td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right">0</td><td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: White; font: 10pt Times New Roman, Times, Serif">
<td nowrap="nowrap" style="text-align: left; padding-bottom: 2.5pt; padding-left: 5em; font: 10pt Times New Roman, Times, Serif; vertical-align: bottom">Total</td><td nowrap="nowrap" style="border-bottom: Black 2.5pt double; font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="border-bottom: Black 2.5pt double; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="border-bottom: Black 2.5pt double; font: 10pt Times New Roman, Times, Serif; text-align: right">5</td><td nowrap="nowrap" style="border-bottom: Black 2.5pt double; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="border-bottom: Black 2.5pt double; font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="border-bottom: Black 2.5pt double; font: 10pt Times New Roman, Times, Serif; text-align: left">$</td><td nowrap="nowrap" style="border-bottom: Black 2.5pt double; font: 10pt Times New Roman, Times, Serif; text-align: right">2,029</td><td nowrap="nowrap" style="border-bottom: Black 2.5pt double; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="border-bottom: Black 2.5pt double; font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="border-bottom: Black 2.5pt double; font: 10pt Times New Roman, Times, Serif; text-align: left">$</td><td nowrap="nowrap" style="border-bottom: Black 2.5pt double; font: 10pt Times New Roman, Times, Serif; text-align: right">2,030</td><td nowrap="nowrap" style="border-bottom: Black 2.5pt double; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="border-bottom: Black 2.5pt double; font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="border-bottom: Black 2.5pt double; font: 10pt Times New Roman, Times, Serif; text-align: left">$</td><td nowrap="nowrap" style="border-bottom: Black 2.5pt double; font: 10pt Times New Roman, Times, Serif; text-align: right">89</td><td nowrap="nowrap" style="border-bottom: Black 2.5pt double; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td></tr>
</table>
<p style="font: 10pt/11pt Times New Roman, Times, Serif; margin: 0; text-align: justify"></p>
<p style="font: 10pt/11pt Times New Roman, Times, Serif; margin: 0; text-align: justify">The following table presents the Company’s
loans restructured during the prior twelve months which defaulted during the three month reporting period ended March 31, 2012:</p>
<p style="font: 10pt/11pt Times New Roman, Times, Serif; margin: 0; text-align: justify"> </p>
<table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 90%">
<tr style="vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td><td nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif"> </td>
<td colspan="10" nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif; text-align: center">Defaulted Troubled Debt Restructurings</td><td nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif"> </td></tr>
<tr style="vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td><td nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif; border-bottom: Black 1pt solid"> </td>
<td colspan="10" nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">For the Twelve Month Period Ended March 31, 2012</td><td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: bold 10pt Times New Roman, Times, Serif"> </td></tr>
<tr style="vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td><td nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif; border-bottom: Black 1pt solid"> </td>
<td colspan="2" nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif; text-align: right; border-bottom: Black 1pt solid">Number of <br />
Contacts</td><td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: bold 10pt Times New Roman, Times, Serif"> </td><td nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif; border-bottom: Black 1pt solid"> </td>
<td colspan="2" nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif; text-align: right; border-bottom: Black 1pt solid">Recorded <br />
Investment</td><td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: bold 10pt Times New Roman, Times, Serif"> </td><td nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif; border-bottom: Black 1pt solid"> </td>
<td colspan="2" nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif; text-align: right; border-bottom: Black 1pt solid">Allowance <br />
associated with <br />
Defaulted TDR's</td><td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: bold 10pt Times New Roman, Times, Serif"> </td></tr>
<tr style="vertical-align: bottom; background-color: rgb(204,238,255); font: 10pt Times New Roman, Times, Serif">
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left">Troubled debt restructurings:</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="text-align: left; font: 10pt Times New Roman, Times, Serif"> </td><td nowrap="nowrap" style="text-align: right; font: 10pt Times New Roman, Times, Serif"> </td><td nowrap="nowrap" style="text-align: left; font: 10pt Times New Roman, Times, Serif"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="text-align: left; font: 10pt Times New Roman, Times, Serif"> </td><td nowrap="nowrap" style="text-align: right; font: 10pt Times New Roman, Times, Serif"> </td><td nowrap="nowrap" style="text-align: left; font: 10pt Times New Roman, Times, Serif"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="text-align: left; font: 10pt Times New Roman, Times, Serif"> </td><td nowrap="nowrap" style="text-align: right; font: 10pt Times New Roman, Times, Serif"> </td><td nowrap="nowrap" style="text-align: left; font: 10pt Times New Roman, Times, Serif"> </td></tr>
<tr style="vertical-align: bottom; background-color: White; font: 10pt Times New Roman, Times, Serif">
<td nowrap="nowrap" style="width: 67%; font: 10pt Times New Roman, Times, Serif; text-align: left; padding-left: 10pt">Commercial Mortgage</td><td nowrap="nowrap" style="width: 1%; font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="width: 8%; font: 10pt Times New Roman, Times, Serif; text-align: right">4</td><td nowrap="nowrap" style="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="width: 1%; font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">$</td><td nowrap="nowrap" style="width: 8%; font: 10pt Times New Roman, Times, Serif; text-align: right">1,626</td><td nowrap="nowrap" style="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="width: 1%; font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">$</td><td nowrap="nowrap" style="width: 8%; font: 10pt Times New Roman, Times, Serif; text-align: right">200</td><td nowrap="nowrap" style="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: rgb(204,238,255); font: 10pt Times New Roman, Times, Serif">
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left; padding-left: 10pt">Commercial Other</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">1</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">98</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">0</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: White; font: 10pt Times New Roman, Times, Serif">
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left; padding-left: 10pt">Consumer Mortgage</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">2</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">478</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">62</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: rgb(204,238,255); font: 10pt Times New Roman, Times, Serif">
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left; padding-bottom: 1pt; padding-left: 10pt">Consumer Other</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; border-bottom: Black 1pt solid"> </td>
<td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right">0</td><td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; border-bottom: Black 1pt solid"> </td>
<td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right">0</td><td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; border-bottom: Black 1pt solid"> </td>
<td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right">0</td><td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: White; font: 10pt Times New Roman, Times, Serif">
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left; padding-bottom: 2.5pt; padding-left: 5em; vertical-align: bottom">Total</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; border-bottom: Black 2.5pt double"> </td>
<td nowrap="nowrap" style="border-bottom: Black 2.5pt double; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="border-bottom: Black 2.5pt double; font: 10pt Times New Roman, Times, Serif; text-align: right">7</td><td nowrap="nowrap" style="border-bottom: Black 2.5pt double; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; border-bottom: Black 2.5pt double"> </td>
<td nowrap="nowrap" style="border-bottom: Black 2.5pt double; font: 10pt Times New Roman, Times, Serif; text-align: left">$</td><td nowrap="nowrap" style="border-bottom: Black 2.5pt double; font: 10pt Times New Roman, Times, Serif; text-align: right">2,202</td><td nowrap="nowrap" style="border-bottom: Black 2.5pt double; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; border-bottom: Black 2.5pt double"> </td>
<td nowrap="nowrap" style="border-bottom: Black 2.5pt double; font: 10pt Times New Roman, Times, Serif; text-align: left">$</td><td nowrap="nowrap" style="border-bottom: Black 2.5pt double; font: 10pt Times New Roman, Times, Serif; text-align: right">262</td><td nowrap="nowrap" style="border-bottom: Black 2.5pt double; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td></tr>
</table>
<p style="font: 10pt/11pt Times New Roman, Times, Serif; margin: 0; text-align: justify"> </p>
<p style="margin-top: 0; margin-bottom: 0; margin-left: 0em; text-indent: 0em; text-align: justify"><font style="font: 10pt Times New Roman, Times, Serif">NOTE
THREE:   ALLOWANCE FOR LOAN LOSSES</font></p>
<p style="font: 10pt/11pt Times New Roman, Times, Serif; margin: 0"> </p>
<p style="font: 10pt/11pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><font style="letter-spacing: -0.1pt">A
summary of the transactions in the allowance for loan losses for the three month period ended March 31, 2012 and the year ended
December 31, 2011 is shown below (in thousands of dollars): </font></p>
<p style="font: 10pt/11pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><font style="letter-spacing: -0.1pt"> </font></p>
<table cellpadding="0" cellspacing="0" align="center" style="border-collapse: collapse; width: 100%; font: 10pt Times New Roman, Times, Serif">
<tr style="vertical-align: bottom">
<td colspan="25" nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif; text-align: center">Allowance for Credit Losses and Recorded Investment in Financing Receivables</td></tr>
<tr style="vertical-align: bottom">
<td colspan="25" nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif; text-align: center">For the Three Months Ended March 31, 2012</td></tr>
<tr style="vertical-align: bottom">
<td nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid"> </td><td nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif; border-bottom: Black 1pt solid"> </td>
<td colspan="2" nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">Commercial<br />
Mortgage</td><td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: bold 10pt Times New Roman, Times, Serif"> </td><td nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif; border-bottom: Black 1pt solid"> </td>
<td colspan="2" nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">Commercial<br />
Other</td><td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: bold 10pt Times New Roman, Times, Serif"> </td><td nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif; border-bottom: Black 1pt solid"> </td>
<td colspan="2" nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">Consumer <br />
Mortgage</td><td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: bold 10pt Times New Roman, Times, Serif"> </td><td nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif; border-bottom: Black 1pt solid"> </td>
<td colspan="2" nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">Consumer<br />
Other</td><td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: bold 10pt Times New Roman, Times, Serif"> </td><td nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif; border-bottom: Black 1pt solid"> </td>
<td colspan="2" nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">Unallocated</td><td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: bold 10pt Times New Roman, Times, Serif"> </td><td nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif; border-bottom: Black 1pt solid"> </td>
<td colspan="2" nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">Total</td><td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: bold 10pt Times New Roman, Times, Serif"> </td></tr>
<tr style="vertical-align: bottom">
<td nowrap="nowrap"> </td><td nowrap="nowrap"> </td>
<td colspan="2" nowrap="nowrap"> </td><td nowrap="nowrap"> </td><td nowrap="nowrap"> </td>
<td colspan="2" nowrap="nowrap"> </td><td nowrap="nowrap"> </td><td nowrap="nowrap"> </td>
<td colspan="2" nowrap="nowrap"> </td><td nowrap="nowrap"> </td><td nowrap="nowrap"> </td>
<td colspan="2" nowrap="nowrap"> </td><td nowrap="nowrap"> </td><td nowrap="nowrap"> </td>
<td colspan="2" nowrap="nowrap"> </td><td nowrap="nowrap"> </td><td nowrap="nowrap"> </td>
<td colspan="2" nowrap="nowrap"> </td><td nowrap="nowrap"> </td></tr>
<tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
<td nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif; text-align: left">Allowance for Credit Losses:</td><td nowrap="nowrap"> </td>
<td nowrap="nowrap" style="text-align: left"> </td><td nowrap="nowrap" style="text-align: right"> </td><td nowrap="nowrap" style="text-align: left"> </td><td nowrap="nowrap"> </td>
<td nowrap="nowrap" style="text-align: left"> </td><td nowrap="nowrap" style="text-align: right"> </td><td nowrap="nowrap" style="text-align: left"> </td><td nowrap="nowrap"> </td>
<td nowrap="nowrap" style="text-align: left"> </td><td nowrap="nowrap" style="text-align: right"> </td><td nowrap="nowrap" style="text-align: left"> </td><td nowrap="nowrap"> </td>
<td nowrap="nowrap" style="text-align: left"> </td><td nowrap="nowrap" style="text-align: right"> </td><td nowrap="nowrap" style="text-align: left"> </td><td nowrap="nowrap"> </td>
<td nowrap="nowrap" style="text-align: left"> </td><td nowrap="nowrap" style="text-align: right"> </td><td nowrap="nowrap" style="text-align: left"> </td><td nowrap="nowrap"> </td>
<td nowrap="nowrap" style="text-align: left"> </td><td nowrap="nowrap" style="text-align: right"> </td><td nowrap="nowrap" style="text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: White">
<td nowrap="nowrap" style="width: 34%; font: 10pt Times New Roman, Times, Serif; text-align: left">Beginning Balance 12/31/2011</td><td nowrap="nowrap" style="width: 1%; font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">$</td><td nowrap="nowrap" style="width: 8%; font: 10pt Times New Roman, Times, Serif; text-align: right">2,898</td><td nowrap="nowrap" style="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="width: 1%; font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">$</td><td nowrap="nowrap" style="width: 8%; font: 10pt Times New Roman, Times, Serif; text-align: right">465</td><td nowrap="nowrap" style="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="width: 1%; font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">$</td><td nowrap="nowrap" style="width: 8%; font: 10pt Times New Roman, Times, Serif; text-align: right">1,959</td><td nowrap="nowrap" style="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="width: 1%; font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">$</td><td nowrap="nowrap" style="width: 8%; font: 10pt Times New Roman, Times, Serif; text-align: right">428</td><td nowrap="nowrap" style="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="width: 1%; font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">$</td><td nowrap="nowrap" style="width: 8%; font: 10pt Times New Roman, Times, Serif; text-align: right">361</td><td nowrap="nowrap" style="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="width: 1%; font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">$</td><td nowrap="nowrap" style="width: 8%; font: 10pt Times New Roman, Times, Serif; text-align: right">6,111</td><td nowrap="nowrap" style="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left; vertical-align: bottom; padding-left: 5em">Charge-offs</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">305</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">245</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">292</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">51</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">0</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">893</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: White">
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left; vertical-align: bottom; padding-left: 5em">Recoveries</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">0</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">13</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">0</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">108</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">0</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">121</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left; padding-bottom: 1pt; vertical-align: bottom; padding-left: 5em">Provision</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt"> </td>
<td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right">231</td><td nowrap="nowrap" style="padding-bottom: 1pt; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt"> </td>
<td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right">154</td><td nowrap="nowrap" style="padding-bottom: 1pt; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt"> </td>
<td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right">190</td><td nowrap="nowrap" style="padding-bottom: 1pt; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt"> </td>
<td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right">(60</td><td nowrap="nowrap" style="padding-bottom: 1pt; font: 10pt Times New Roman, Times, Serif; text-align: left">)</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt"> </td>
<td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right">0</td><td nowrap="nowrap" style="padding-bottom: 1pt; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt"> </td>
<td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right">515</td><td nowrap="nowrap" style="padding-bottom: 1pt; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: White">
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif">Ending Balance 3/31/2012</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left">$</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">2,824</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left">$</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">387</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left">$</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">1,857</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left">$</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">425</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left">$</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">361</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left">$</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">5,854</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left">Ending Balance: individually evaluated for impairment</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">913</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">71</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">320</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">15</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">0</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">1,319</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: White">
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left">Ending Balance:  collectively evaluated for impairment</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">1,911</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">316</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">1,537</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">410</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">361</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">4,535</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
<td nowrap="nowrap"> </td><td nowrap="nowrap"> </td>
<td nowrap="nowrap" style="text-align: left"> </td><td nowrap="nowrap" style="text-align: right"> </td><td nowrap="nowrap" style="text-align: left"> </td><td nowrap="nowrap"> </td>
<td nowrap="nowrap" style="text-align: left"> </td><td nowrap="nowrap" style="text-align: right"> </td><td nowrap="nowrap" style="text-align: left"> </td><td nowrap="nowrap"> </td>
<td nowrap="nowrap" style="text-align: left"> </td><td nowrap="nowrap" style="text-align: right"> </td><td nowrap="nowrap" style="text-align: left"> </td><td nowrap="nowrap"> </td>
<td nowrap="nowrap" style="text-align: left"> </td><td nowrap="nowrap" style="text-align: right"> </td><td nowrap="nowrap" style="text-align: left"> </td><td nowrap="nowrap"> </td>
<td nowrap="nowrap" style="text-align: left"> </td><td nowrap="nowrap" style="text-align: right"> </td><td nowrap="nowrap" style="text-align: left"> </td><td nowrap="nowrap"> </td>
<td nowrap="nowrap" style="text-align: left"> </td><td nowrap="nowrap" style="text-align: right"> </td><td nowrap="nowrap" style="text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: White">
<td nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif; text-align: left">Financing Receivables:</td><td nowrap="nowrap"> </td>
<td nowrap="nowrap" style="text-align: left"> </td><td nowrap="nowrap" style="text-align: right"> </td><td nowrap="nowrap" style="text-align: left"> </td><td nowrap="nowrap"> </td>
<td nowrap="nowrap" style="text-align: left"> </td><td nowrap="nowrap" style="text-align: right"> </td><td nowrap="nowrap" style="text-align: left"> </td><td nowrap="nowrap"> </td>
<td nowrap="nowrap" style="text-align: left"> </td><td nowrap="nowrap" style="text-align: right"> </td><td nowrap="nowrap" style="text-align: left"> </td><td nowrap="nowrap"> </td>
<td nowrap="nowrap" style="text-align: left"> </td><td nowrap="nowrap" style="text-align: right"> </td><td nowrap="nowrap" style="text-align: left"> </td><td nowrap="nowrap"> </td>
<td nowrap="nowrap" style="text-align: left"> </td><td nowrap="nowrap" style="text-align: right"> </td><td nowrap="nowrap" style="text-align: left"> </td><td nowrap="nowrap"> </td>
<td nowrap="nowrap" style="text-align: left"> </td><td nowrap="nowrap" style="text-align: right"> </td><td nowrap="nowrap" style="text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif">Ending Balance</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">138,114</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">13,975</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">136,776</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">22,502</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">0</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">311,367</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: White">
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left">Ending Balance: individually evaluated for impairment</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">29,932</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">359</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">1,743</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">94</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">0</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">32,128</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left">Ending Balance:  collectively evaluated for impairment</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left">$</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">108,182</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left">$</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">13,616</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left">$</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">135,033</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left">$</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">22,408</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left">$</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">0</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left">$</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">279,239</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td></tr>
</table>
<p style="font: 10pt/11pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><font style="letter-spacing: -0.1pt; background-color: white"> </font></p>
<p style="font: 10pt/11pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><font style="letter-spacing: -0.1pt; background-color: white"></font></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0"></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0"> </p>
<table cellpadding="0" cellspacing="0" align="center" style="border-collapse: collapse; width: 100%; font: 10pt Times New Roman, Times, Serif">
<tr style="vertical-align: bottom">
<td colspan="25" style="font: bold 10pt Times New Roman, Times, Serif; text-align: center">Allowance for Credit Losses and Recorded Investment in Financing Receivables</td></tr>
<tr style="vertical-align: bottom">
<td colspan="25" style="font: bold 10pt Times New Roman, Times, Serif; text-align: center">For the Year Ended December 31, 2011</td></tr>
<tr style="vertical-align: bottom">
<td style="font: bold 10pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid"> </td><td style="font: bold 10pt Times New Roman, Times, Serif; border-bottom: Black 1pt solid"> </td>
<td colspan="2" style="font: bold 10pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">Commercial<br />Mortgage</td><td style="border-bottom: Black 1pt solid; font: bold 10pt Times New Roman, Times, Serif"> </td><td style="font: bold 10pt Times New Roman, Times, Serif; border-bottom: Black 1pt solid"> </td>
<td colspan="2" style="font: bold 10pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">Commercial<br />Other</td><td style="border-bottom: Black 1pt solid; font: bold 10pt Times New Roman, Times, Serif"> </td><td style="font: bold 10pt Times New Roman, Times, Serif; border-bottom: Black 1pt solid"> </td>
<td colspan="2" style="font: bold 10pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">Consumer<br />Mortgage</td><td style="border-bottom: Black 1pt solid; font: bold 10pt Times New Roman, Times, Serif"> </td><td style="font: bold 10pt Times New Roman, Times, Serif; border-bottom: Black 1pt solid"> </td>
<td colspan="2" style="font: bold 10pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">Consumer<br />
Other</td><td style="border-bottom: Black 1pt solid; font: bold 10pt Times New Roman, Times, Serif"> </td><td style="font: bold 10pt Times New Roman, Times, Serif; border-bottom: Black 1pt solid"> </td>
<td colspan="2" style="font: bold 10pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">Unallocated</td><td style="border-bottom: Black 1pt solid; font: bold 10pt Times New Roman, Times, Serif"> </td><td style="font: bold 10pt Times New Roman, Times, Serif; border-bottom: Black 1pt solid"> </td>
<td colspan="2" style="font: bold 10pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">Total</td><td style="border-bottom: Black 1pt solid; font: bold 10pt Times New Roman, Times, Serif"> </td></tr>
<tr style="vertical-align: bottom">
<td> </td><td> </td>
<td colspan="2"> </td><td> </td><td> </td>
<td colspan="2"> </td><td> </td><td> </td>
<td colspan="2"> </td><td> </td><td> </td>
<td colspan="2"> </td><td> </td><td> </td>
<td colspan="2"> </td><td> </td><td> </td>
<td colspan="2"> </td><td> </td></tr>
<tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
<td style="font: bold 10pt Times New Roman, Times, Serif; text-align: left">Allowance for Credit Losses:</td><td> </td>
<td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td>
<td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td>
<td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td>
<td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td>
<td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td>
<td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: White">
<td style="width: 34%; font: 10pt Times New Roman, Times, Serif; text-align: left">Beginning Balance 12/31/2010</td><td style="width: 1%; font: 10pt Times New Roman, Times, Serif"> </td>
<td style="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">$</td><td style="width: 8%; font: 10pt Times New Roman, Times, Serif; text-align: right">1,345</td><td style="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td style="width: 1%; font: 10pt Times New Roman, Times, Serif"> </td>
<td style="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">$</td><td style="width: 8%; font: 10pt Times New Roman, Times, Serif; text-align: right">887</td><td style="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td style="width: 1%; font: 10pt Times New Roman, Times, Serif"> </td>
<td style="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">$</td><td style="width: 8%; font: 10pt Times New Roman, Times, Serif; text-align: right">1,662</td><td style="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td style="width: 1%; font: 10pt Times New Roman, Times, Serif"> </td>
<td style="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">$</td><td style="width: 8%; font: 10pt Times New Roman, Times, Serif; text-align: right">968</td><td style="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td style="width: 1%; font: 10pt Times New Roman, Times, Serif"> </td>
<td style="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">$</td><td style="width: 8%; font: 10pt Times New Roman, Times, Serif; text-align: right">545</td><td style="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td style="width: 1%; font: 10pt Times New Roman, Times, Serif"> </td>
<td style="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">$]</td><td style="width: 8%; font: 10pt Times New Roman, Times, Serif; text-align: right">5,407</td><td style="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
<td style="font: 10pt Times New Roman, Times, Serif; text-align: left; vertical-align: middle; padding-left: 5em">Charge-offs</td><td style="font: 10pt Times New Roman, Times, Serif"> </td>
<td style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right">2,322</td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td style="font: 10pt Times New Roman, Times, Serif"> </td>
<td style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right">163</td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td style="font: 10pt Times New Roman, Times, Serif"> </td>
<td style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right">565</td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td style="font: 10pt Times New Roman, Times, Serif"> </td>
<td style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right">372</td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td style="font: 10pt Times New Roman, Times, Serif"> </td>
<td style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right">0</td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td style="font: 10pt Times New Roman, Times, Serif"> </td>
<td style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right">3,422</td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: White">
<td style="font: 10pt Times New Roman, Times, Serif; text-align: left; vertical-align: middle; padding-left: 5em">Recoveries</td><td style="font: 10pt Times New Roman, Times, Serif"> </td>
<td style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right">129</td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td style="font: 10pt Times New Roman, Times, Serif"> </td>
<td style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right">137</td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td style="font: 10pt Times New Roman, Times, Serif"> </td>
<td style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right">15</td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td style="font: 10pt Times New Roman, Times, Serif"> </td>
<td style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right">221</td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td style="font: 10pt Times New Roman, Times, Serif"> </td>
<td style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right">0</td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td style="font: 10pt Times New Roman, Times, Serif"> </td>
<td style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right">502</td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
<td style="font: 10pt Times New Roman, Times, Serif; text-align: left; padding-bottom: 1pt; vertical-align: middle; padding-left: 5em">Provision</td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt"> </td>
<td style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right">3,746</td><td style="padding-bottom: 1pt; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt"> </td>
<td style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right">(396</td><td style="padding-bottom: 1pt; font: 10pt Times New Roman, Times, Serif; text-align: left">)</td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt"> </td>
<td style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right">847</td><td style="padding-bottom: 1pt; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt"> </td>
<td style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right">(389</td><td style="padding-bottom: 1pt; font: 10pt Times New Roman, Times, Serif; text-align: left">)</td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt"> </td>
<td style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right">(184</td><td style="padding-bottom: 1pt; font: 10pt Times New Roman, Times, Serif; text-align: left">)</td><td style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt"> </td>
<td style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right">3,624</td><td style="padding-bottom: 1pt; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: White">
<td style="font: 10pt Times New Roman, Times, Serif">Ending Balance 12/31/2011</td><td style="font: 10pt Times New Roman, Times, Serif"> </td>
<td style="font: 10pt Times New Roman, Times, Serif; text-align: left">$</td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right">2,898</td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td style="font: 10pt Times New Roman, Times, Serif"> </td>
<td style="font: 10pt Times New Roman, Times, Serif; text-align: left">$</td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right">465</td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td style="font: 10pt Times New Roman, Times, Serif"> </td>
<td style="font: 10pt Times New Roman, Times, Serif; text-align: left">$</td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right">1,959</td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td style="font: 10pt Times New Roman, Times, Serif"> </td>
<td style="font: 10pt Times New Roman, Times, Serif; text-align: left">$</td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right">428</td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td style="font: 10pt Times New Roman, Times, Serif"> </td>
<td style="font: 10pt Times New Roman, Times, Serif; text-align: left">$</td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right">361</td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td style="font: 10pt Times New Roman, Times, Serif"> </td>
<td style="font: 10pt Times New Roman, Times, Serif; text-align: left">$</td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right">6,111</td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
<td style="font: 10pt Times New Roman, Times, Serif; text-align: left">Ending Balance: individually evaluated for impairment</td><td style="font: 10pt Times New Roman, Times, Serif"> </td>
<td style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right">1,018</td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td style="font: 10pt Times New Roman, Times, Serif"> </td>
<td style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right">167</td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td style="font: 10pt Times New Roman, Times, Serif"> </td>
<td style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right">328</td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td style="font: 10pt Times New Roman, Times, Serif"> </td>
<td style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right">0</td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td style="font: 10pt Times New Roman, Times, Serif"> </td>
<td style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right">0</td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td style="font: 10pt Times New Roman, Times, Serif"> </td>
<td style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right">1,513</td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: White">
<td style="font: 10pt Times New Roman, Times, Serif; text-align: left">Ending Balance:  collectively evaluated for impairment</td><td style="font: 10pt Times New Roman, Times, Serif"> </td>
<td style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right">1,880</td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td style="font: 10pt Times New Roman, Times, Serif"> </td>
<td style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right">298</td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td style="font: 10pt Times New Roman, Times, Serif"> </td>
<td style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right">1,631</td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td style="font: 10pt Times New Roman, Times, Serif"> </td>
<td style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right">428</td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td style="font: 10pt Times New Roman, Times, Serif"> </td>
<td style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right">361</td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td style="font: 10pt Times New Roman, Times, Serif"> </td>
<td style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right">4,598</td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
<td> </td><td> </td>
<td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td>
<td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td>
<td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td>
<td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td>
<td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td>
<td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: White">
<td style="font: bold 10pt Times New Roman, Times, Serif; text-align: left">Financing Receivables:</td><td> </td>
<td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td>
<td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td>
<td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td>
<td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td>
<td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td>
<td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
<td style="font: 10pt Times New Roman, Times, Serif">Ending Balance</td><td style="font: 10pt Times New Roman, Times, Serif"> </td>
<td style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right">139,374</td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td style="font: 10pt Times New Roman, Times, Serif"> </td>
<td style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right">13,709</td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td style="font: 10pt Times New Roman, Times, Serif"> </td>
<td style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right">136,472</td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td style="font: 10pt Times New Roman, Times, Serif"> </td>
<td style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right">23,501</td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td style="font: 10pt Times New Roman, Times, Serif"> </td>
<td style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right">0</td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td style="font: 10pt Times New Roman, Times, Serif"> </td>
<td style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right">313,056</td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: White">
<td style="font: 10pt Times New Roman, Times, Serif; text-align: left">Ending Balance: individually evaluated for impairment</td><td style="font: 10pt Times New Roman, Times, Serif"> </td>
<td style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right">26,543</td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td style="font: 10pt Times New Roman, Times, Serif"> </td>
<td style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right">691</td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td style="font: 10pt Times New Roman, Times, Serif"> </td>
<td style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right">1,966</td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td style="font: 10pt Times New Roman, Times, Serif"> </td>
<td style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right">0</td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td style="font: 10pt Times New Roman, Times, Serif"> </td>
<td style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right">0</td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td style="font: 10pt Times New Roman, Times, Serif"> </td>
<td style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right">29,200</td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
<td style="font: 10pt Times New Roman, Times, Serif; text-align: left">Ending Balance:  collectively evaluated for impairment</td><td style="font: 10pt Times New Roman, Times, Serif"> </td>
<td style="font: 10pt Times New Roman, Times, Serif; text-align: left">$</td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right">112,831</td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td style="font: 10pt Times New Roman, Times, Serif"> </td>
<td style="font: 10pt Times New Roman, Times, Serif; text-align: left">$</td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right">13,018</td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td style="font: 10pt Times New Roman, Times, Serif"> </td>
<td style="font: 10pt Times New Roman, Times, Serif; text-align: left">$</td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right">134,506</td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td style="font: 10pt Times New Roman, Times, Serif"> </td>
<td style="font: 10pt Times New Roman, Times, Serif; text-align: left">$</td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right">23,501</td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td style="font: 10pt Times New Roman, Times, Serif"> </td>
<td style="font: 10pt Times New Roman, Times, Serif; text-align: left">$</td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right">0</td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td style="font: 10pt Times New Roman, Times, Serif"> </td>
<td style="font: 10pt Times New Roman, Times, Serif; text-align: left">$</td><td style="font: 10pt Times New Roman, Times, Serif; text-align: right">283,856</td><td style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td></tr>
</table>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0"> </p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0"></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0"> </p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0">The following table presents the company’s loans by internally
assigned grades and by loan type (in thousands of dollars).</p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0"> </p>
<table cellpadding="0" cellspacing="0" align="center" style="border-collapse: collapse; width: 100%; font: 10pt Times New Roman, Times, Serif">
<tr style="vertical-align: bottom">
<td colspan="21" nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif; text-align: center">Credit Quality Indicators</td></tr>
<tr style="vertical-align: bottom">
<td colspan="21" nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif; text-align: center">As of March 31, 2012</td></tr>
<tr style="vertical-align: bottom">
<td nowrap="nowrap"> </td><td nowrap="nowrap"> </td>
<td colspan="2" nowrap="nowrap"> </td><td nowrap="nowrap"> </td><td nowrap="nowrap"> </td>
<td colspan="2" nowrap="nowrap"> </td><td nowrap="nowrap"> </td><td nowrap="nowrap"> </td>
<td colspan="2" nowrap="nowrap"> </td><td nowrap="nowrap"> </td><td nowrap="nowrap"> </td>
<td colspan="2" nowrap="nowrap"> </td><td nowrap="nowrap"> </td><td nowrap="nowrap"> </td>
<td colspan="2" nowrap="nowrap"> </td><td nowrap="nowrap"> </td></tr>
<tr style="vertical-align: bottom">
<td colspan="9" nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif">Credit Risk Profile by Internally Assigned Grade</td><td nowrap="nowrap"> </td>
<td colspan="2" nowrap="nowrap"> </td><td nowrap="nowrap"> </td><td nowrap="nowrap"> </td>
<td colspan="2" nowrap="nowrap"> </td><td nowrap="nowrap"> </td><td nowrap="nowrap"> </td>
<td colspan="2" nowrap="nowrap"> </td><td nowrap="nowrap"> </td></tr>
<tr style="vertical-align: bottom">
<td nowrap="nowrap"> </td><td nowrap="nowrap"> </td>
<td colspan="2" nowrap="nowrap"> </td><td nowrap="nowrap"> </td><td nowrap="nowrap"> </td>
<td colspan="2" nowrap="nowrap"> </td><td nowrap="nowrap"> </td><td nowrap="nowrap"> </td>
<td colspan="2" nowrap="nowrap"> </td><td nowrap="nowrap"> </td><td nowrap="nowrap"> </td>
<td colspan="2" nowrap="nowrap"> </td><td nowrap="nowrap"> </td><td nowrap="nowrap"> </td>
<td colspan="2" nowrap="nowrap"> </td><td nowrap="nowrap"> </td></tr>
<tr style="vertical-align: bottom">
<td nowrap="nowrap"> </td><td nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif"> </td>
<td colspan="2" nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif; text-align: center">Commercial</td><td nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif"> </td><td nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif"> </td>
<td colspan="2" nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif; text-align: center">Commercial</td><td nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif"> </td><td nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif"> </td>
<td colspan="2" nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif; text-align: center">Consumer</td><td nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif"> </td><td nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif"> </td>
<td colspan="2" nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif; text-align: center">Consumer</td><td nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif"> </td><td nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif"> </td>
<td colspan="2" nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif; text-align: center">Total</td><td nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif"> </td></tr>
<tr style="vertical-align: bottom">
<td nowrap="nowrap"> </td><td nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif"> </td>
<td colspan="2" nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif; text-align: center">Mortgage</td><td nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif"> </td><td nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif"> </td>
<td colspan="2" nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif; text-align: center">Other</td><td nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif"> </td><td nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif"> </td>
<td colspan="2" nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif; text-align: center">Mortgage</td><td nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif"> </td><td nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif"> </td>
<td colspan="2" nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif; text-align: center">Other</td><td nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif"> </td><td nowrap="nowrap"> </td>
<td colspan="2" nowrap="nowrap"> </td><td nowrap="nowrap"> </td></tr>
<tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; padding-left: 5.4pt">Grade:</td><td nowrap="nowrap"> </td>
<td nowrap="nowrap" style="text-align: left"> </td><td nowrap="nowrap" style="text-align: right"> </td><td nowrap="nowrap" style="text-align: left"> </td><td nowrap="nowrap"> </td>
<td nowrap="nowrap" style="text-align: left"> </td><td nowrap="nowrap" style="text-align: right"> </td><td nowrap="nowrap" style="text-align: left"> </td><td nowrap="nowrap"> </td>
<td nowrap="nowrap" style="text-align: left"> </td><td nowrap="nowrap" style="text-align: right"> </td><td nowrap="nowrap" style="text-align: left"> </td><td nowrap="nowrap"> </td>
<td nowrap="nowrap" style="text-align: left"> </td><td nowrap="nowrap" style="text-align: right"> </td><td nowrap="nowrap" style="text-align: left"> </td><td nowrap="nowrap"> </td>
<td nowrap="nowrap" style="text-align: left"> </td><td nowrap="nowrap" style="text-align: right"> </td><td nowrap="nowrap" style="text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: White">
<td nowrap="nowrap" style="width: 15%; font: 10pt Times New Roman, Times, Serif; text-align: right; padding-left: 5.4pt"> Excellent</td><td nowrap="nowrap" style="width: 31%; font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">$</td><td nowrap="nowrap" style="width: 8%; font: 10pt Times New Roman, Times, Serif; text-align: right">775</td><td nowrap="nowrap" style="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="width: 1%; font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">$</td><td nowrap="nowrap" style="width: 8%; font: 10pt Times New Roman, Times, Serif; text-align: right">1,489</td><td nowrap="nowrap" style="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="width: 1%; font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">$</td><td nowrap="nowrap" style="width: 8%; font: 10pt Times New Roman, Times, Serif; text-align: right">2,365</td><td nowrap="nowrap" style="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="width: 1%; font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">$</td><td nowrap="nowrap" style="width: 8%; font: 10pt Times New Roman, Times, Serif; text-align: right">3,127</td><td nowrap="nowrap" style="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="width: 1%; font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">$</td><td nowrap="nowrap" style="width: 8%; font: 10pt Times New Roman, Times, Serif; text-align: right">7,756</td><td nowrap="nowrap" style="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right; padding-left: 5.4pt">Very Good</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">15,042</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">677</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">27,370</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">3,846</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">46,935</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: White">
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right; padding-left: 5.4pt">Pass</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">69,110</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">10,363</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">90,142</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">13,855</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">183,470</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right; padding-left: 5.4pt">Pass-Watch</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">7,833</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">58</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">1,265</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">107</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">9,263</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: White">
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right; padding-left: 5.4pt">Special Mention</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">14,504</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">948</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">6,185</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">1,010</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">22,647</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right; padding-left: 5.4pt">Substandard</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">30,850</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">440</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">9,107</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">557</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">40,954</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: White">
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right; padding-left: 5.4pt">Doubtful</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">0</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">0</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">342</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">0</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">342</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right; padding-bottom: 1pt; padding-left: 5.4pt">Loss</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt"> </td>
<td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right">0</td><td nowrap="nowrap" style="padding-bottom: 1pt; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt"> </td>
<td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right">0</td><td nowrap="nowrap" style="padding-bottom: 1pt; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt"> </td>
<td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right">0</td><td nowrap="nowrap" style="padding-bottom: 1pt; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt"> </td>
<td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right">0</td><td nowrap="nowrap" style="padding-bottom: 1pt; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt"> </td>
<td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right">0</td><td nowrap="nowrap" style="padding-bottom: 1pt; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: White">
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 2.5pt; padding-left: 5.4pt">Total</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 2.5pt"> </td>
<td nowrap="nowrap" style="border-bottom: Black 2.5pt double; font: 10pt Times New Roman, Times, Serif; text-align: left">$</td><td nowrap="nowrap" style="border-bottom: Black 2.5pt double; font: 10pt Times New Roman, Times, Serif; text-align: right">138,114</td><td nowrap="nowrap" style="padding-bottom: 2.5pt; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 2.5pt"> </td>
<td nowrap="nowrap" style="border-bottom: Black 2.5pt double; font: 10pt Times New Roman, Times, Serif; text-align: left">$</td><td nowrap="nowrap" style="border-bottom: Black 2.5pt double; font: 10pt Times New Roman, Times, Serif; text-align: right">13,975</td><td nowrap="nowrap" style="padding-bottom: 2.5pt; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 2.5pt"> </td>
<td nowrap="nowrap" style="border-bottom: Black 2.5pt double; font: 10pt Times New Roman, Times, Serif; text-align: left">$</td><td nowrap="nowrap" style="border-bottom: Black 2.5pt double; font: 10pt Times New Roman, Times, Serif; text-align: right">136,776</td><td nowrap="nowrap" style="padding-bottom: 2.5pt; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 2.5pt"> </td>
<td nowrap="nowrap" style="border-bottom: Black 2.5pt double; font: 10pt Times New Roman, Times, Serif; text-align: left">$</td><td nowrap="nowrap" style="border-bottom: Black 2.5pt double; font: 10pt Times New Roman, Times, Serif; text-align: right">22,502</td><td nowrap="nowrap" style="padding-bottom: 2.5pt; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 2.5pt"> </td>
<td nowrap="nowrap" style="border-bottom: Black 2.5pt double; font: 10pt Times New Roman, Times, Serif; text-align: left">$</td><td nowrap="nowrap" style="border-bottom: Black 2.5pt double; font: 10pt Times New Roman, Times, Serif; text-align: right">311,367</td><td nowrap="nowrap" style="padding-bottom: 2.5pt; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td></tr>
</table>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0"> </p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0"> </p>
<table cellpadding="0" cellspacing="0" align="center" style="border-collapse: collapse; width: 100%; font: 10pt Times New Roman, Times, Serif">
<tr style="vertical-align: bottom">
<td colspan="21" nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif; text-align: center">Credit Quality Indicators</td></tr>
<tr style="vertical-align: bottom">
<td colspan="21" nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif; text-align: center">As of December 31, 2011</td></tr>
<tr style="vertical-align: bottom">
<td colspan="21" nowrap="nowrap"> </td></tr>
<tr style="vertical-align: bottom">
<td colspan="9" nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif">Credit Risk Profile by Internally Assigned Grade</td><td nowrap="nowrap"> </td>
<td colspan="3" nowrap="nowrap"> </td><td nowrap="nowrap"> </td>
<td colspan="3" nowrap="nowrap"> </td><td nowrap="nowrap"> </td>
<td colspan="3" nowrap="nowrap"> </td></tr>
<tr style="vertical-align: bottom">
<td nowrap="nowrap"> </td><td nowrap="nowrap"> </td>
<td colspan="3" nowrap="nowrap"> </td><td nowrap="nowrap"> </td>
<td colspan="3" nowrap="nowrap"> </td><td nowrap="nowrap"> </td>
<td colspan="3" nowrap="nowrap"> </td><td nowrap="nowrap"> </td>
<td colspan="3" nowrap="nowrap"> </td><td nowrap="nowrap"> </td>
<td colspan="3" nowrap="nowrap"> </td></tr>
<tr style="vertical-align: bottom">
<td nowrap="nowrap"> </td><td nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif"> </td>
<td colspan="3" nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif; text-align: center">Commercial</td><td nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif"> </td>
<td colspan="3" nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif; text-align: center">Commercial</td><td nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif"> </td>
<td colspan="3" nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif; text-align: center">Consumer</td><td nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif"> </td>
<td colspan="3" nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif; text-align: center">Consumer</td><td nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif"> </td>
<td colspan="3" nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif; text-align: center">Total</td></tr>
<tr style="vertical-align: bottom">
<td nowrap="nowrap"> </td><td nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif"> </td>
<td colspan="3" nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif; text-align: center">Mortgage</td><td nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif"> </td>
<td colspan="3" nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif; text-align: center">Other</td><td nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif"> </td>
<td colspan="3" nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif; text-align: center">Mortgage</td><td nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif"> </td>
<td colspan="3" nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif; text-align: center">Other</td><td nowrap="nowrap"> </td>
<td colspan="3" nowrap="nowrap"> </td></tr>
<tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; padding-left: 5.4pt">Grade:</td><td nowrap="nowrap"> </td>
<td nowrap="nowrap" style="text-align: left"> </td><td nowrap="nowrap" style="text-align: right"> </td><td nowrap="nowrap" style="text-align: left"> </td><td nowrap="nowrap"> </td>
<td nowrap="nowrap" style="text-align: left"> </td><td nowrap="nowrap" style="text-align: right"> </td><td nowrap="nowrap" style="text-align: left"> </td><td nowrap="nowrap"> </td>
<td nowrap="nowrap" style="text-align: left"> </td><td nowrap="nowrap" style="text-align: right"> </td><td nowrap="nowrap" style="text-align: left"> </td><td nowrap="nowrap"> </td>
<td nowrap="nowrap" style="text-align: left"> </td><td nowrap="nowrap" style="text-align: right"> </td><td nowrap="nowrap" style="text-align: left"> </td><td nowrap="nowrap"> </td>
<td nowrap="nowrap" style="text-align: left"> </td><td nowrap="nowrap" style="text-align: right"> </td><td nowrap="nowrap" style="text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: White">
<td nowrap="nowrap" style="width: 15%; font: 10pt Times New Roman, Times, Serif; text-align: right; padding-left: 5.4pt"> Excellent</td><td nowrap="nowrap" style="width: 31%; font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">$</td><td nowrap="nowrap" style="width: 8%; font: 10pt Times New Roman, Times, Serif; text-align: right">732</td><td nowrap="nowrap" style="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="width: 1%; font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">$</td><td nowrap="nowrap" style="width: 8%; font: 10pt Times New Roman, Times, Serif; text-align: right">1,400</td><td nowrap="nowrap" style="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="width: 1%; font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">$</td><td nowrap="nowrap" style="width: 8%; font: 10pt Times New Roman, Times, Serif; text-align: right">2,437</td><td nowrap="nowrap" style="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="width: 1%; font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">$</td><td nowrap="nowrap" style="width: 8%; font: 10pt Times New Roman, Times, Serif; text-align: right">2,740</td><td nowrap="nowrap" style="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="width: 1%; font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">$</td><td nowrap="nowrap" style="width: 8%; font: 10pt Times New Roman, Times, Serif; text-align: right">7,309</td><td nowrap="nowrap" style="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right; padding-left: 5.4pt">Very Good</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">14,049</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">607</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">28,026</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">4,128</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">46,810</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: White">
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right; padding-left: 5.4pt">Pass</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">70,462</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">9,693</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">88,752</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">14,942</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">183,849</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right; padding-left: 5.4pt">Pass-Watch</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">12,050</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">117</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">1,106</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">104</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">13,377</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: White">
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right; padding-left: 5.4pt">Special Mention</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">13,887</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">1,107</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">5,449</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">1,016</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">21,459</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right; padding-left: 5.4pt">Substandard</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">28,161</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">785</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">9,849</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">571</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">39,366</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: White">
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right; padding-left: 5.4pt">Doubtful</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">33</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">0</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">853</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">0</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">886</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right; padding-bottom: 1pt; padding-left: 5.4pt">Loss</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt"> </td>
<td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right">0</td><td nowrap="nowrap" style="padding-bottom: 1pt; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt"> </td>
<td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right">0</td><td nowrap="nowrap" style="padding-bottom: 1pt; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt"> </td>
<td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right">0</td><td nowrap="nowrap" style="padding-bottom: 1pt; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt"> </td>
<td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right">0</td><td nowrap="nowrap" style="padding-bottom: 1pt; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt"> </td>
<td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right">0</td><td nowrap="nowrap" style="padding-bottom: 1pt; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: White">
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 2.5pt; padding-left: 5.4pt">Total</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 2.5pt"> </td>
<td nowrap="nowrap" style="border-bottom: Black 2.5pt double; font: 10pt Times New Roman, Times, Serif; text-align: left">$</td><td nowrap="nowrap" style="border-bottom: Black 2.5pt double; font: 10pt Times New Roman, Times, Serif; text-align: right">139,374</td><td nowrap="nowrap" style="padding-bottom: 2.5pt; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 2.5pt"> </td>
<td nowrap="nowrap" style="border-bottom: Black 2.5pt double; font: 10pt Times New Roman, Times, Serif; text-align: left">$</td><td nowrap="nowrap" style="border-bottom: Black 2.5pt double; font: 10pt Times New Roman, Times, Serif; text-align: right">13,709</td><td nowrap="nowrap" style="padding-bottom: 2.5pt; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 2.5pt"> </td>
<td nowrap="nowrap" style="border-bottom: Black 2.5pt double; font: 10pt Times New Roman, Times, Serif; text-align: left">$</td><td nowrap="nowrap" style="border-bottom: Black 2.5pt double; font: 10pt Times New Roman, Times, Serif; text-align: right">136,472</td><td nowrap="nowrap" style="padding-bottom: 2.5pt; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 2.5pt"> </td>
<td nowrap="nowrap" style="border-bottom: Black 2.5pt double; font: 10pt Times New Roman, Times, Serif; text-align: left">$</td><td nowrap="nowrap" style="border-bottom: Black 2.5pt double; font: 10pt Times New Roman, Times, Serif; text-align: right">23,501</td><td nowrap="nowrap" style="padding-bottom: 2.5pt; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 2.5pt"> </td>
<td nowrap="nowrap" style="border-bottom: Black 2.5pt double; font: 10pt Times New Roman, Times, Serif; text-align: left">$</td><td nowrap="nowrap" style="border-bottom: Black 2.5pt double; font: 10pt Times New Roman, Times, Serif; text-align: right">313,056</td><td nowrap="nowrap" style="padding-bottom: 2.5pt; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td></tr>
</table>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0"> </p>
<p style="font: 10pt/11pt Times New Roman, Times, Serif; margin: 0; text-align: justify">Loans classified as “special mention”
have potential weaknesses that deserve management’s close attention. Loans classified as “substandard” have been
determined to be inadequately protected by the current collateral pledged, if any, or the cash flow and/or the net worth of the
borrower. “Doubtful” loans have all the weaknesses inherent in substandard loans, with the added characteristic that
the weaknesses make collection or liquidation in full, on the basis of currently existing facts, conditions and values, highly
questionable and improbable. Loans classified as “loss” are loans with expected loss of the entire principal balance. 
The loan may be carried in this classified status if circumstances indicate a remote possibility that the amount will be repaid,
however, the principal balance is included in the impairment calculation and carried in the allowance for loan losses. Loans not
categorized as special mention, substandard, or doubtful are classified as “pass”, “very good” or “excellent”
loans and are considered to exhibit acceptable risk. Additionally, the Company classifies certain loans as “pass-watch”
loans. This category includes satisfactory borrowing relationships that require close monitoring because of complexity, information
deficiencies, or emerging signs of weakness.</p>
<p style="margin-top: 0; margin-bottom: 0; margin-left: 0em; text-indent: 0em; text-align: justify"><font style="font: 10pt Times New Roman, Times, Serif">NOTE
FOUR:   INVESTMENT IN INSURANCE CONTRACTS</font></p>
<p style="font: 10pt/11pt Times New Roman, Times, Serif; margin: 0; text-align: justify"> </p>
<p style="font: 10pt/11pt Times New Roman, Times, Serif; margin: 0; text-align: justify">Investment in insurance contracts consist
of single premium insurance contracts which have the dual purposes of providing a rate of return to the Company which approximately
equals the Company’s average cost of funds and of providing life insurance and retirement benefits to certain executives.</p>
<p style="margin-top: 0; margin-bottom: 0; margin-left: 0em; text-indent: 0em; text-align: justify"><font style="font: 10pt Times New Roman, Times, Serif">NOTE
FIVE:   SECURITIES AND RESTRICTED INVESTMENTS</font></p>
<p style="font: 10pt/11pt Times New Roman, Times, Serif; margin: 0; text-align: justify"> </p>
<p style="font: 10pt/11pt Times New Roman, Times, Serif; margin: 0; text-align: justify">The Company’s securities portfolio
serves several purposes. Portions of the portfolio secure certain public and trust deposits while the remaining portions are held
as investments or used to assist the Company in liquidity and asset/liability management.</p>
<p style="font: 10pt/11pt Times New Roman, Times, Serif; margin: 0; text-align: justify"> </p>
<p style="font: 10pt/11pt Times New Roman, Times, Serif; margin: 0; text-align: justify">The amortized cost and market value of
securities as of March 31, 2012 and December 31, 2011 is shown in the table below (in thousands of dollars). All of the securities
on the Company’s balance sheet are classified as available for sale.</p>
<p style="font: 10pt/11pt Times New Roman, Times, Serif; margin: 0; text-align: justify"> </p>
<table cellpadding="0" cellspacing="0" style="border-collapse: collapse; width: 100%; font: 10pt Times New Roman, Times, Serif">
<tr style="vertical-align: bottom">
<td nowrap="nowrap"> </td><td nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif"> </td>
<td colspan="14" nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif; text-align: center">Available For Sale Securities</td><td nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif"> </td></tr>
<tr style="vertical-align: bottom">
<td nowrap="nowrap"> </td><td nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif"> </td>
<td colspan="14" nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif; text-align: center">As of March 31, 2012</td><td nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif"> </td></tr>
<tr style="vertical-align: bottom">
<td nowrap="nowrap"> </td><td nowrap="nowrap"> </td>
<td colspan="2" nowrap="nowrap"> </td><td nowrap="nowrap"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td colspan="2" nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: center">Gross</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td colspan="2" nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: center">Gross</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td><td nowrap="nowrap"> </td>
<td colspan="2" nowrap="nowrap"> </td><td nowrap="nowrap"> </td></tr>
<tr style="vertical-align: bottom">
<td nowrap="nowrap"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td colspan="2" nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: center">Amortized</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td colspan="2" nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: center">Unrealized</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td colspan="2" nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: center">Unrealized</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td colspan="2" nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: center">Market</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td></tr>
<tr style="vertical-align: bottom">
<td nowrap="nowrap"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt"> </td>
<td colspan="2" nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">Cost</td><td nowrap="nowrap" style="padding-bottom: 1pt; font: 10pt Times New Roman, Times, Serif"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt"> </td>
<td colspan="2" nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">Gains</td><td nowrap="nowrap" style="padding-bottom: 1pt; font: 10pt Times New Roman, Times, Serif"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt"> </td>
<td colspan="2" nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">Losses</td><td nowrap="nowrap" style="padding-bottom: 1pt; font: 10pt Times New Roman, Times, Serif"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt"> </td>
<td colspan="2" nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">Value</td><td nowrap="nowrap" style="padding-bottom: 1pt; font: 10pt Times New Roman, Times, Serif"> </td></tr>
<tr style="vertical-align: bottom">
<td nowrap="nowrap"> </td><td nowrap="nowrap"> </td>
<td colspan="2" nowrap="nowrap"> </td><td nowrap="nowrap"> </td><td nowrap="nowrap"> </td>
<td colspan="2" nowrap="nowrap"> </td><td nowrap="nowrap"> </td><td nowrap="nowrap"> </td>
<td colspan="2" nowrap="nowrap"> </td><td nowrap="nowrap"> </td><td nowrap="nowrap"> </td>
<td colspan="2" nowrap="nowrap"> </td><td nowrap="nowrap"> </td></tr>
<tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
<td nowrap="nowrap" style="width: 56%; font: 10pt Times New Roman, Times, Serif; text-align: left; padding-left: 5.4pt">U.S. Treasuries and Agencies</td><td nowrap="nowrap" style="width: 1%; font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">$</td><td nowrap="nowrap" style="width: 8%; font: 10pt Times New Roman, Times, Serif; text-align: right">24,156</td><td nowrap="nowrap" style="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="width: 1%; font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">$</td><td nowrap="nowrap" style="width: 8%; font: 10pt Times New Roman, Times, Serif; text-align: right">157</td><td nowrap="nowrap" style="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="width: 1%; font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">$</td><td nowrap="nowrap" style="width: 8%; font: 10pt Times New Roman, Times, Serif; text-align: right">7</td><td nowrap="nowrap" style="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="width: 1%; font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">$</td><td nowrap="nowrap" style="width: 8%; font: 10pt Times New Roman, Times, Serif; text-align: right">24,306</td><td nowrap="nowrap" style="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: White">
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left; padding-left: 5.4pt">Mortgage backed securities</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">4,076</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">156</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">0</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">4,232</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left; padding-left: 5.4pt">Collateralized mortgage obligations</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">3,134</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">30</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">5</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">3,159</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: White">
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left; padding-left: 5.4pt">States and municipalities</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">2,636</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">64</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">0</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">2,700</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt; padding-left: 5.4pt">Certificates of deposit</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt"> </td>
<td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right">4,665</td><td nowrap="nowrap" style="padding-bottom: 1pt; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt"> </td>
<td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right">14</td><td nowrap="nowrap" style="padding-bottom: 1pt; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt"> </td>
<td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right">3</td><td nowrap="nowrap" style="padding-bottom: 1pt; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt"> </td>
<td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right">4,676</td><td nowrap="nowrap" style="padding-bottom: 1pt; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: White">
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left; padding-bottom: 2.5pt; padding-left: 5.4pt">Total Available For Sale Securities</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 2.5pt"> </td>
<td nowrap="nowrap" style="border-bottom: Black 2.5pt double; font: 10pt Times New Roman, Times, Serif; text-align: left">$</td><td nowrap="nowrap" style="border-bottom: Black 2.5pt double; font: 10pt Times New Roman, Times, Serif; text-align: right">38,667</td><td nowrap="nowrap" style="padding-bottom: 2.5pt; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 2.5pt"> </td>
<td nowrap="nowrap" style="border-bottom: Black 2.5pt double; font: 10pt Times New Roman, Times, Serif; text-align: left">$</td><td nowrap="nowrap" style="border-bottom: Black 2.5pt double; font: 10pt Times New Roman, Times, Serif; text-align: right">421</td><td nowrap="nowrap" style="padding-bottom: 2.5pt; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 2.5pt"> </td>
<td nowrap="nowrap" style="border-bottom: Black 2.5pt double; font: 10pt Times New Roman, Times, Serif; text-align: left">$</td><td nowrap="nowrap" style="border-bottom: Black 2.5pt double; font: 10pt Times New Roman, Times, Serif; text-align: right">15</td><td nowrap="nowrap" style="padding-bottom: 2.5pt; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 2.5pt"> </td>
<td nowrap="nowrap" style="border-bottom: Black 2.5pt double; font: 10pt Times New Roman, Times, Serif; text-align: left">$</td><td nowrap="nowrap" style="border-bottom: Black 2.5pt double; font: 10pt Times New Roman, Times, Serif; text-align: right">39,073</td><td nowrap="nowrap" style="padding-bottom: 2.5pt; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td></tr>
</table>
<p style="margin: 0"> </p>
<table cellpadding="0" cellspacing="0" style="border-collapse: collapse; width: 100%; font: 10pt Times New Roman, Times, Serif">
<tr style="vertical-align: bottom">
<td nowrap="nowrap"> </td><td nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif"> </td>
<td colspan="14" nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif; text-align: center">Available For Sale Securities</td><td nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif"> </td></tr>
<tr style="vertical-align: bottom">
<td nowrap="nowrap"> </td><td nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif"> </td>
<td colspan="14" nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif; text-align: center">As of December 31, 2011</td><td nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif"> </td></tr>
<tr style="vertical-align: bottom">
<td nowrap="nowrap"> </td><td nowrap="nowrap"> </td>
<td colspan="2" nowrap="nowrap"> </td><td nowrap="nowrap"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td colspan="2" nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: center">Gross</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td colspan="2" nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: center">Gross</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td><td nowrap="nowrap"> </td>
<td colspan="2" nowrap="nowrap"> </td><td nowrap="nowrap"> </td></tr>
<tr style="vertical-align: bottom">
<td nowrap="nowrap"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td colspan="2" nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: center">Amortized</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td colspan="2" nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: center">Unrealized</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td colspan="2" nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: center">Unrealized</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td colspan="2" nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: center">Market</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td></tr>
<tr style="vertical-align: bottom">
<td nowrap="nowrap"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt"> </td>
<td colspan="2" nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">Cost</td><td nowrap="nowrap" style="padding-bottom: 1pt; font: 10pt Times New Roman, Times, Serif"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt"> </td>
<td colspan="2" nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">Gains</td><td nowrap="nowrap" style="padding-bottom: 1pt; font: 10pt Times New Roman, Times, Serif"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt"> </td>
<td colspan="2" nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">Losses</td><td nowrap="nowrap" style="padding-bottom: 1pt; font: 10pt Times New Roman, Times, Serif"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt"> </td>
<td colspan="2" nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">Value</td><td nowrap="nowrap" style="padding-bottom: 1pt; font: 10pt Times New Roman, Times, Serif"> </td></tr>
<tr style="vertical-align: bottom">
<td nowrap="nowrap"> </td><td nowrap="nowrap"> </td>
<td colspan="2" nowrap="nowrap"> </td><td nowrap="nowrap"> </td><td nowrap="nowrap"> </td>
<td colspan="2" nowrap="nowrap"> </td><td nowrap="nowrap"> </td><td nowrap="nowrap"> </td>
<td colspan="2" nowrap="nowrap"> </td><td nowrap="nowrap"> </td><td nowrap="nowrap"> </td>
<td colspan="2" nowrap="nowrap"> </td><td nowrap="nowrap"> </td></tr>
<tr style="vertical-align: bottom">
<td nowrap="nowrap"> </td><td nowrap="nowrap"> </td>
<td colspan="2" nowrap="nowrap"> </td><td nowrap="nowrap"> </td><td nowrap="nowrap"> </td>
<td colspan="2" nowrap="nowrap"> </td><td nowrap="nowrap"> </td><td nowrap="nowrap"> </td>
<td colspan="2" nowrap="nowrap"> </td><td nowrap="nowrap"> </td><td nowrap="nowrap"> </td>
<td colspan="2" nowrap="nowrap"> </td><td nowrap="nowrap"> </td></tr>
<tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
<td nowrap="nowrap" style="width: 56%; font: 10pt Times New Roman, Times, Serif; text-align: left; padding-left: 5.4pt">U.S. Treasuries and Agencies</td><td nowrap="nowrap" style="width: 1%; font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">$</td><td nowrap="nowrap" style="width: 8%; font: 10pt Times New Roman, Times, Serif; text-align: right">21,741</td><td nowrap="nowrap" style="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="width: 1%; font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">$</td><td nowrap="nowrap" style="width: 8%; font: 10pt Times New Roman, Times, Serif; text-align: right">195</td><td nowrap="nowrap" style="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="width: 1%; font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">$</td><td nowrap="nowrap" style="width: 8%; font: 10pt Times New Roman, Times, Serif; text-align: right">4</td><td nowrap="nowrap" style="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="width: 1%; font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">$</td><td nowrap="nowrap" style="width: 8%; font: 10pt Times New Roman, Times, Serif; text-align: right">21,932</td><td nowrap="nowrap" style="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: White">
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left; padding-left: 5.4pt">Mortgage backed securities</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">5,456</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">151</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">3</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">5,604</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left; padding-left: 5.4pt">Collateralized mortgage obligations</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">3,387</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">37</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">11</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">3,413</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: White">
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left; padding-left: 5.4pt">States and municipalities</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">2,642</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">56</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">0</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">2,698</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt; padding-left: 5.4pt">Certificates of deposit</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt"> </td>
<td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right">5,901</td><td nowrap="nowrap" style="padding-bottom: 1pt; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt"> </td>
<td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right">15</td><td nowrap="nowrap" style="padding-bottom: 1pt; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt"> </td>
<td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right">6</td><td nowrap="nowrap" style="padding-bottom: 1pt; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt"> </td>
<td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right">5,910</td><td nowrap="nowrap" style="padding-bottom: 1pt; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: White">
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left; padding-bottom: 2.5pt; padding-left: 5.4pt">Total Available For Sale Securities</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 2.5pt"> </td>
<td nowrap="nowrap" style="border-bottom: Black 2.5pt double; font: 10pt Times New Roman, Times, Serif; text-align: left">$</td><td nowrap="nowrap" style="border-bottom: Black 2.5pt double; font: 10pt Times New Roman, Times, Serif; text-align: right">39,127</td><td nowrap="nowrap" style="padding-bottom: 2.5pt; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 2.5pt"> </td>
<td nowrap="nowrap" style="border-bottom: Black 2.5pt double; font: 10pt Times New Roman, Times, Serif; text-align: left">$</td><td nowrap="nowrap" style="border-bottom: Black 2.5pt double; font: 10pt Times New Roman, Times, Serif; text-align: right">454</td><td nowrap="nowrap" style="padding-bottom: 2.5pt; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 2.5pt"> </td>
<td nowrap="nowrap" style="border-bottom: Black 2.5pt double; font: 10pt Times New Roman, Times, Serif; text-align: left">$</td><td nowrap="nowrap" style="border-bottom: Black 2.5pt double; font: 10pt Times New Roman, Times, Serif; text-align: right">24</td><td nowrap="nowrap" style="padding-bottom: 2.5pt; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 2.5pt"> </td>
<td nowrap="nowrap" style="border-bottom: Black 2.5pt double; font: 10pt Times New Roman, Times, Serif; text-align: left">$</td><td nowrap="nowrap" style="border-bottom: Black 2.5pt double; font: 10pt Times New Roman, Times, Serif; text-align: right">39,557</td><td nowrap="nowrap" style="padding-bottom: 2.5pt; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td></tr>
</table>
<p style="font: 10pt/11pt Times New Roman, Times, Serif; margin: 0; text-align: justify"> </p>
<p style="font: 10pt/11pt Times New Roman, Times, Serif; margin: 0; text-align: justify"> </p>
<p style="font: 10pt/11pt Times New Roman, Times, Serif; margin: 0; text-align: justify">Information pertaining to securities with
gross unrealized losses at March 31, 2012 and December 31, 2011, aggregated by investment category and length of time that individual
securities have been in a continuous loss position is shown in the table below (in thousands of dollars):</p>
<p style="font: 10pt/11pt Times New Roman, Times, Serif; margin: 0; text-align: justify"> </p>
<p style="font: 10pt/11pt Times New Roman, Times, Serif; margin: 0; text-align: justify"></p>
<table cellpadding="0" cellspacing="0" style="border-collapse: collapse; width: 100%; font: 10pt Times New Roman, Times, Serif">
<tr style="text-align: center; vertical-align: bottom">
<td nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif">As of March 31, 2012</td><td nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif"> </td>
<td colspan="6" nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif">Total</td><td nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif"> </td><td nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif"> </td>
<td colspan="6" nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif">Less than 12 Months</td><td nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif"> </td><td nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif"> </td>
<td colspan="6" nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif">12 Months or Greater</td><td nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif"> </td></tr>
<tr style="vertical-align: bottom">
<td nowrap="nowrap" style="padding-bottom: 1pt"> </td><td nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1pt"> </td>
<td colspan="2" nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif; text-align: right; border-bottom: Black 1pt solid">Fair <br /> Value</td><td nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1pt"> </td><td nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1pt"> </td>
<td colspan="2" nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif; text-align: right; border-bottom: Black 1pt solid">Gross <br /> Unrealized <br /> Losses</td><td nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1pt"> </td><td nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1pt"> </td>
<td colspan="2" nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif; text-align: right; border-bottom: Black 1pt solid">Fair <br /> Value</td><td nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1pt"> </td><td nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1pt"> </td>
<td colspan="2" nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif; text-align: right; border-bottom: Black 1pt solid">Gross <br /> Unrealized <br /> Losses</td><td nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1pt"> </td><td nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1pt"> </td>
<td colspan="2" nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif; text-align: right; border-bottom: Black 1pt solid">Fair <br /> Value</td><td nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1pt"> </td><td nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1pt"> </td>
<td colspan="2" nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif; text-align: right; border-bottom: Black 1pt solid">Gross <br /> Unrealized <br /> Losses</td><td nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1pt"> </td></tr>
<tr style="vertical-align: bottom">
<td nowrap="nowrap"> </td><td nowrap="nowrap"> </td>
<td colspan="2" nowrap="nowrap"> </td><td nowrap="nowrap"> </td><td nowrap="nowrap"> </td>
<td colspan="2" nowrap="nowrap"> </td><td nowrap="nowrap"> </td><td nowrap="nowrap"> </td>
<td colspan="2" nowrap="nowrap"> </td><td nowrap="nowrap"> </td><td nowrap="nowrap"> </td>
<td colspan="2" nowrap="nowrap"> </td><td nowrap="nowrap"> </td><td nowrap="nowrap"> </td>
<td colspan="2" nowrap="nowrap"> </td><td nowrap="nowrap"> </td><td nowrap="nowrap"> </td>
<td colspan="2" nowrap="nowrap"> </td><td nowrap="nowrap"> </td></tr>
<tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left; padding-left: 5.4pt">Investment Category</td><td nowrap="nowrap"> </td>
<td nowrap="nowrap" style="text-align: left"> </td><td nowrap="nowrap" style="text-align: right"> </td><td nowrap="nowrap" style="text-align: left"> </td><td nowrap="nowrap"> </td>
<td nowrap="nowrap" style="text-align: left"> </td><td nowrap="nowrap" style="text-align: right"> </td><td nowrap="nowrap" style="text-align: left"> </td><td nowrap="nowrap"> </td>
<td nowrap="nowrap" style="text-align: left"> </td><td nowrap="nowrap" style="text-align: right"> </td><td nowrap="nowrap" style="text-align: left"> </td><td nowrap="nowrap"> </td>
<td nowrap="nowrap" style="text-align: left"> </td><td nowrap="nowrap" style="text-align: right"> </td><td nowrap="nowrap" style="text-align: left"> </td><td nowrap="nowrap"> </td>
<td nowrap="nowrap" style="text-align: left"> </td><td nowrap="nowrap" style="text-align: right"> </td><td nowrap="nowrap" style="text-align: left"> </td><td nowrap="nowrap"> </td>
<td nowrap="nowrap" style="text-align: left"> </td><td nowrap="nowrap" style="text-align: right"> </td><td nowrap="nowrap" style="text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: White">
<td nowrap="nowrap" style="width: 34%; font: 10pt Times New Roman, Times, Serif; text-align: left; padding-left: 5.4pt">U.S. Treasuries and Agencies</td><td nowrap="nowrap" style="width: 1%; font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">$</td><td nowrap="nowrap" style="width: 8%; font: 10pt Times New Roman, Times, Serif; text-align: right">1,493</td><td nowrap="nowrap" style="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="width: 1%; font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">$</td><td nowrap="nowrap" style="width: 8%; font: 10pt Times New Roman, Times, Serif; text-align: right">(7</td><td nowrap="nowrap" style="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">)</td><td nowrap="nowrap" style="width: 1%; font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">$</td><td nowrap="nowrap" style="width: 8%; font: 10pt Times New Roman, Times, Serif; text-align: right">1,493</td><td nowrap="nowrap" style="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="width: 1%; font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">$</td><td nowrap="nowrap" style="width: 8%; font: 10pt Times New Roman, Times, Serif; text-align: right">(7</td><td nowrap="nowrap" style="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">)</td><td nowrap="nowrap" style="width: 1%; font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">$</td><td nowrap="nowrap" style="width: 8%; font: 10pt Times New Roman, Times, Serif; text-align: right">0</td><td nowrap="nowrap" style="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="width: 1%; font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">$</td><td nowrap="nowrap" style="width: 8%; font: 10pt Times New Roman, Times, Serif; text-align: right">0</td><td nowrap="nowrap" style="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left; padding-left: 5.4pt">Mortgage backed securities</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">0</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">0</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">0</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">0</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">0</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">0</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: White">
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left; padding-left: 5.4pt">Collateralized mortgage obligations</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">840</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">(5</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left">)</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">840</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">(5</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left">)</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">0</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">0</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt; padding-left: 5.4pt">Certificates of deposit</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt"> </td>
<td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right">946</td><td nowrap="nowrap" style="padding-bottom: 1pt; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt"> </td>
<td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right">(3</td><td nowrap="nowrap" style="padding-bottom: 1pt; font: 10pt Times New Roman, Times, Serif; text-align: left">)</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt"> </td>
<td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right">946</td><td nowrap="nowrap" style="padding-bottom: 1pt; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt"> </td>
<td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right">(3</td><td nowrap="nowrap" style="padding-bottom: 1pt; font: 10pt Times New Roman, Times, Serif; text-align: left">)</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt"> </td>
<td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right">0</td><td nowrap="nowrap" style="padding-bottom: 1pt; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt"> </td>
<td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right">0</td><td nowrap="nowrap" style="padding-bottom: 1pt; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: White">
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 2.5pt; padding-left: 5.4pt">Total</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 2.5pt"> </td>
<td nowrap="nowrap" style="border-bottom: Black 2.5pt double; font: 10pt Times New Roman, Times, Serif; text-align: left">$</td><td nowrap="nowrap" style="border-bottom: Black 2.5pt double; font: 10pt Times New Roman, Times, Serif; text-align: right">3,279</td><td nowrap="nowrap" style="padding-bottom: 2.5pt; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 2.5pt"> </td>
<td nowrap="nowrap" style="border-bottom: Black 2.5pt double; font: 10pt Times New Roman, Times, Serif; text-align: left">$</td><td nowrap="nowrap" style="border-bottom: Black 2.5pt double; font: 10pt Times New Roman, Times, Serif; text-align: right">(15</td><td nowrap="nowrap" style="padding-bottom: 2.5pt; font: 10pt Times New Roman, Times, Serif; text-align: left">)</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 2.5pt"> </td>
<td nowrap="nowrap" style="border-bottom: Black 2.5pt double; font: 10pt Times New Roman, Times, Serif; text-align: left">$</td><td nowrap="nowrap" style="border-bottom: Black 2.5pt double; font: 10pt Times New Roman, Times, Serif; text-align: right">3,279</td><td nowrap="nowrap" style="padding-bottom: 2.5pt; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 2.5pt"> </td>
<td nowrap="nowrap" style="border-bottom: Black 2.5pt double; font: 10pt Times New Roman, Times, Serif; text-align: left">$</td><td nowrap="nowrap" style="border-bottom: Black 2.5pt double; font: 10pt Times New Roman, Times, Serif; text-align: right">(15</td><td nowrap="nowrap" style="padding-bottom: 2.5pt; font: 10pt Times New Roman, Times, Serif; text-align: left">)</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 2.5pt"> </td>
<td nowrap="nowrap" style="border-bottom: Black 2.5pt double; font: 10pt Times New Roman, Times, Serif; text-align: left">$</td><td nowrap="nowrap" style="border-bottom: Black 2.5pt double; font: 10pt Times New Roman, Times, Serif; text-align: right">0</td><td nowrap="nowrap" style="padding-bottom: 2.5pt; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 2.5pt"> </td>
<td nowrap="nowrap" style="border-bottom: Black 2.5pt double; font: 10pt Times New Roman, Times, Serif; text-align: left">$</td><td nowrap="nowrap" style="border-bottom: Black 2.5pt double; font: 10pt Times New Roman, Times, Serif; text-align: right">0</td><td nowrap="nowrap" style="padding-bottom: 2.5pt; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td></tr>
</table>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0"> </p>
<table cellpadding="0" cellspacing="0" style="border-collapse: collapse; width: 100%; font: 10pt Times New Roman, Times, Serif">
<tr style="text-align: center; vertical-align: bottom">
<td nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif">As of December 31, 2011</td><td nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif"> </td>
<td colspan="6" nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif">Total</td><td nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif"> </td><td nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif"> </td>
<td colspan="6" nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif">Less than 12 Months</td><td nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif"> </td><td nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif"> </td>
<td colspan="6" nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif">12 Months or Greater</td><td nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif"> </td></tr>
<tr style="vertical-align: bottom">
<td nowrap="nowrap" style="padding-bottom: 1pt"> </td><td nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1pt"> </td>
<td colspan="2" nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif; text-align: right; border-bottom: Black 1pt solid">Fair <br /> Value</td><td nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1pt"> </td><td nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1pt"> </td>
<td colspan="2" nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif; text-align: right; border-bottom: Black 1pt solid">Gross <br /> Unrealized <br /> Losses</td><td nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1pt"> </td><td nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1pt"> </td>
<td colspan="2" nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif; text-align: right; border-bottom: Black 1pt solid">Fair <br /> Value</td><td nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1pt"> </td><td nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1pt"> </td>
<td colspan="2" nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif; text-align: right; border-bottom: Black 1pt solid">Gross <br /> Unrealized <br /> Losses</td><td nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1pt"> </td><td nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1pt"> </td>
<td colspan="2" nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif; text-align: right; border-bottom: Black 1pt solid">Fair <br /> Value</td><td nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1pt"> </td><td nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1pt"> </td>
<td colspan="2" nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif; text-align: right; border-bottom: Black 1pt solid">Gross <br /> Unrealized <br /> Losses</td><td nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1pt"> </td></tr>
<tr style="vertical-align: bottom">
<td nowrap="nowrap"> </td><td nowrap="nowrap"> </td>
<td colspan="2" nowrap="nowrap"> </td><td nowrap="nowrap"> </td><td nowrap="nowrap"> </td>
<td colspan="2" nowrap="nowrap"> </td><td nowrap="nowrap"> </td><td nowrap="nowrap"> </td>
<td colspan="2" nowrap="nowrap"> </td><td nowrap="nowrap"> </td><td nowrap="nowrap"> </td>
<td colspan="2" nowrap="nowrap"> </td><td nowrap="nowrap"> </td><td nowrap="nowrap"> </td>
<td colspan="2" nowrap="nowrap"> </td><td nowrap="nowrap"> </td><td nowrap="nowrap"> </td>
<td colspan="2" nowrap="nowrap"> </td><td nowrap="nowrap"> </td></tr>
<tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left; padding-left: 5.4pt">Investment Category</td><td nowrap="nowrap"> </td>
<td nowrap="nowrap" style="text-align: left"> </td><td nowrap="nowrap" style="text-align: right"> </td><td nowrap="nowrap" style="text-align: left"> </td><td nowrap="nowrap"> </td>
<td nowrap="nowrap" style="text-align: left"> </td><td nowrap="nowrap" style="text-align: right"> </td><td nowrap="nowrap" style="text-align: left"> </td><td nowrap="nowrap"> </td>
<td nowrap="nowrap" style="text-align: left"> </td><td nowrap="nowrap" style="text-align: right"> </td><td nowrap="nowrap" style="text-align: left"> </td><td nowrap="nowrap"> </td>
<td nowrap="nowrap" style="text-align: left"> </td><td nowrap="nowrap" style="text-align: right"> </td><td nowrap="nowrap" style="text-align: left"> </td><td nowrap="nowrap"> </td>
<td nowrap="nowrap" style="text-align: left"> </td><td nowrap="nowrap" style="text-align: right"> </td><td nowrap="nowrap" style="text-align: left"> </td><td nowrap="nowrap"> </td>
<td nowrap="nowrap" style="text-align: left"> </td><td nowrap="nowrap" style="text-align: right"> </td><td nowrap="nowrap" style="text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: White">
<td nowrap="nowrap" style="width: 34%; font: 10pt Times New Roman, Times, Serif; text-align: left; padding-left: 5.4pt">U.S. Treasuries and Agencies</td><td nowrap="nowrap" style="width: 1%; font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">$</td><td nowrap="nowrap" style="width: 8%; font: 10pt Times New Roman, Times, Serif; text-align: right">2,494</td><td nowrap="nowrap" style="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="width: 1%; font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">$</td><td nowrap="nowrap" style="width: 8%; font: 10pt Times New Roman, Times, Serif; text-align: right">(4</td><td nowrap="nowrap" style="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">)</td><td nowrap="nowrap" style="width: 1%; font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">$</td><td nowrap="nowrap" style="width: 8%; font: 10pt Times New Roman, Times, Serif; text-align: right">2,494</td><td nowrap="nowrap" style="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="width: 1%; font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">$</td><td nowrap="nowrap" style="width: 8%; font: 10pt Times New Roman, Times, Serif; text-align: right">(4</td><td nowrap="nowrap" style="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">)</td><td nowrap="nowrap" style="width: 1%; font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">$</td><td nowrap="nowrap" style="width: 8%; font: 10pt Times New Roman, Times, Serif; text-align: right">0</td><td nowrap="nowrap" style="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="width: 1%; font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">$</td><td nowrap="nowrap" style="width: 8%; font: 10pt Times New Roman, Times, Serif; text-align: right">0</td><td nowrap="nowrap" style="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left; padding-left: 5.4pt">Mortgage backed securities</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">1,007</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">(3</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left">)</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">1,007</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">(3</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left">)</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">0</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">0</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: White">
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left; padding-left: 5.4pt">Collateralized mortgage obligations</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">904</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">(11</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left">)</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">904</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">(11</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left">)</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">0</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">0</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt; padding-left: 5.4pt">Certificates of deposit</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt"> </td>
<td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right">943</td><td nowrap="nowrap" style="padding-bottom: 1pt; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt"> </td>
<td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right">(6</td><td nowrap="nowrap" style="padding-bottom: 1pt; font: 10pt Times New Roman, Times, Serif; text-align: left">)</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt"> </td>
<td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right">943</td><td nowrap="nowrap" style="padding-bottom: 1pt; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt"> </td>
<td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right">(6</td><td nowrap="nowrap" style="padding-bottom: 1pt; font: 10pt Times New Roman, Times, Serif; text-align: left">)</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt"> </td>
<td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right">0</td><td nowrap="nowrap" style="padding-bottom: 1pt; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt"> </td>
<td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right">0</td><td nowrap="nowrap" style="padding-bottom: 1pt; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: White">
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 2.5pt; padding-left: 5.4pt">Total</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 2.5pt"> </td>
<td nowrap="nowrap" style="border-bottom: Black 2.5pt double; font: 10pt Times New Roman, Times, Serif; text-align: left">$</td><td nowrap="nowrap" style="border-bottom: Black 2.5pt double; font: 10pt Times New Roman, Times, Serif; text-align: right">5,348</td><td nowrap="nowrap" style="padding-bottom: 2.5pt; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 2.5pt"> </td>
<td nowrap="nowrap" style="border-bottom: Black 2.5pt double; font: 10pt Times New Roman, Times, Serif; text-align: left">$</td><td nowrap="nowrap" style="border-bottom: Black 2.5pt double; font: 10pt Times New Roman, Times, Serif; text-align: right">(24</td><td nowrap="nowrap" style="padding-bottom: 2.5pt; font: 10pt Times New Roman, Times, Serif; text-align: left">)</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 2.5pt"> </td>
<td nowrap="nowrap" style="border-bottom: Black 2.5pt double; font: 10pt Times New Roman, Times, Serif; text-align: left">$</td><td nowrap="nowrap" style="border-bottom: Black 2.5pt double; font: 10pt Times New Roman, Times, Serif; text-align: right">5,348</td><td nowrap="nowrap" style="padding-bottom: 2.5pt; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 2.5pt"> </td>
<td nowrap="nowrap" style="border-bottom: Black 2.5pt double; font: 10pt Times New Roman, Times, Serif; text-align: left">$</td><td nowrap="nowrap" style="border-bottom: Black 2.5pt double; font: 10pt Times New Roman, Times, Serif; text-align: right">(24</td><td nowrap="nowrap" style="padding-bottom: 2.5pt; font: 10pt Times New Roman, Times, Serif; text-align: left">)</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 2.5pt"> </td>
<td nowrap="nowrap" style="border-bottom: Black 2.5pt double; font: 10pt Times New Roman, Times, Serif; text-align: left">$</td><td nowrap="nowrap" style="border-bottom: Black 2.5pt double; font: 10pt Times New Roman, Times, Serif; text-align: right">0</td><td nowrap="nowrap" style="padding-bottom: 2.5pt; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 2.5pt"> </td>
<td nowrap="nowrap" style="border-bottom: Black 2.5pt double; font: 10pt Times New Roman, Times, Serif; text-align: left">$</td><td nowrap="nowrap" style="border-bottom: Black 2.5pt double; font: 10pt Times New Roman, Times, Serif; text-align: right">0</td><td nowrap="nowrap" style="padding-bottom: 2.5pt; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td></tr>
</table>
<p style="font: 10pt/11pt Times New Roman, Times, Serif; margin: 0; text-align: justify"> </p>
<p style="font: 10pt/11pt Times New Roman, Times, Serif; margin: 0; text-align: justify">Securities are classified as available
for sale.  Securities available for sale are carried at fair value, with unrealized holding gains and losses reported
separately in shareholders’ equity, net of tax.  Interest income includes net amortization of purchase premiums
and discounts.  Realized gains and losses on sales are determined using the amortized cost of the specific security sold.  Securities
are written down to fair value when a decline in fair value is considered other-than-temporary.  In estimating other-than-temporary
impairment losses, management considers (1) the length of time and the extent to which the fair value has been less than cost,
(2) the financial condition and near-term prospects of the issuer, and (3) the intent and ability of the Corporation to retain
its investment in the issuer for a period of time sufficient to allow for any anticipated recovery in fair value.</p>
<p style="font: 10pt/11pt Times New Roman, Times, Serif; margin: 0; text-align: justify"> </p>
<p style="font: 10pt/11pt Times New Roman, Times, Serif; margin: 0; text-align: justify">Restricted investments consist of investments
in the Federal Home Loan Bank, the Federal Reserve Bank and West Virginia Bankers’ Title Insurance Company. Restricted investments
are carried at face value and the level of investment is dictated by the level of participation with each institution. Amounts
are restricted as to transferability. Investments in the Federal Home Loan Bank act as collateral against the outstanding borrowings
from that institution.</p>
<p style="margin-top: 0; margin-bottom: 0; margin-left: 0em; text-indent: 0em; text-align: justify"><font style="font: 10pt Times New Roman, Times, Serif">NOTE
SIX:   EARNINGS PER SHARE</font></p>
<p style="font: 10pt/11pt Times New Roman, Times, Serif; margin: 0; text-align: justify"> </p>
<p style="font: 10pt/11pt Times New Roman, Times, Serif; margin: 0; text-align: justify">Earnings per share represent income available
to common stockholders divided by the weighted average number of common shares outstanding during the period. During 2012 and 2011,
there were no changes to the outstanding shares of common stock. The Company does not offer a stock option program to its employees.</p>
<p style="margin-top: 0; margin-bottom: 0; margin-left: 0em; text-indent: 0em; text-align: justify"><font style="font: 10pt Times New Roman, Times, Serif">NOTE
SEVEN:    DEBT INSTRUMENTS</font></p>
<p style="font: 10pt/11pt Times New Roman, Times, Serif; margin: 0; text-align: justify"> </p>
<p style="font: 10pt/11pt Times New Roman, Times, Serif; margin: 0; text-align: justify">The Company has borrowed money from the
Federal Home Loan Bank of Pittsburgh (FHLB). This debt consists of both borrowings with terms of maturities of nine months or greater
and also certain debts with maturities of thirty days or less.</p>
<p style="font: 10pt/11pt Times New Roman, Times, Serif; margin: 0; text-align: justify"> </p>
<p style="font: 10pt/11pt Times New Roman, Times, Serif; margin: 0; text-align: justify">The borrowings with long term maturities
may have either single payment maturities or amortize. The interest rates on the various long term borrowings at March 31, 2012
range from 1.68% to 5.80%. The weighted average interest rate on the borrowings at March 31, 2012 was 3.73%.</p>
<p style="font: 10pt/11pt Times New Roman, Times, Serif; margin: 0; text-align: justify"> </p>
<p style="font: 10pt/11pt Times New Roman, Times, Serif; margin: 0; text-align: justify">In addition to utilization of the FHLB
for borrowings of long term debt, the Company also can utilize the FHLB for overnight and other short term borrowings. At March
31, 2012 and December 31, 2011, the Company had no overnight or other short term borrowings.</p>
<p style="margin-top: 0; margin-bottom: 0; margin-left: 0em; text-indent: 0em; text-align: justify"><font style="font: 10pt Times New Roman, Times, Serif">NOTE
EIGHT:   INTANGIBLE ASSETS</font></p>
<p style="font: 10pt/11pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><font style="letter-spacing: -0.1pt"> </font></p>
<p style="font: 10pt/11pt Times New Roman, Times, Serif; margin: 0; text-align: justify">The Company’s balance sheet contains
several components of intangible assets. At March 31, 2012, the total balance of intangible assets was comprised of Goodwill and
Core Deposit Intangible Assets acquired as a result of the acquisition of other banks and also an intangible asset related to the
purchased naming rights for a performing arts center located within the Company’s primary business area. The Company performs
an impairment test on an annual basis for goodwill. No impairment has been recorded to date. Other intangible assets are amortized
based upon the estimated economic benefits received.</p>
<p style="font: 10pt/11pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><font style="letter-spacing: -0.1pt"> </font><font style="font-family: Times New Roman, Times, Serif">NOTE
TEN:   FAIR VALUE MEASUREMENTS</font></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0"> </p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0">ASC 820, Fair Value Measurements and Disclosures (previously SFAS
No. 157, Fair Value Measurements), defines fair value, establishes a framework for measuring fair value, establishes a three-level
valuation hierarchy for disclosure of fair value measurement and enhances disclosure requirements for fair value measurements.
The valuation hierarchy is based upon the transparency of inputs to the valuation of an asset or liability as of the measurement
date. The three levels are defined as follows:</p>
<table cellpadding="0" cellspacing="0" style="width: 100%; font: 10pt/11pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><tr style="vertical-align: top">
<td style="width: 0.25in"></td><td style="width: 0.25in"><font style="font-family: Symbol; letter-spacing: -0.1pt">·</font></td><td style="text-align: justify; font: 10pt Times New Roman, Times, Serif"><font style="letter-spacing: -0.1pt"><u>Level One:</u> </font>Inputs to the valuation methodology
are quoted prices (unadjusted) for identical assets or liabilities in active markets.</td></tr></table>
<table cellpadding="0" cellspacing="0" style="width: 100%; font: 10pt/11pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><tr style="vertical-align: top">
<td style="width: 0.25in"></td><td style="width: 0.25in"><font style="font-family: Symbol">·</font></td><td style="text-align: justify; font: 10pt Times New Roman, Times, Serif"><font style="letter-spacing: -0.1pt"><u>Level Two</u>: I</font>nputs to the valuation methodology
include quoted prices for similar assets and liabilities in active markets, and inputs that are observable for the asset or liability,
either directly or indirectly, for substantially the full term of the financial instrument.</td></tr></table>
<table cellpadding="0" cellspacing="0" style="width: 100%; font: 10pt/11pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><tr style="vertical-align: top">
<td style="width: 0.25in"></td><td style="width: 0.25in"><font style="font-family: Symbol">·</font></td><td style="text-align: justify; font: 10pt Times New Roman, Times, Serif"><u>Level Three</u>: Inputs to the valuation methodology are unobservable and significant to the
fair value measurement.</td></tr></table>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0">Following is a description of the valuation methodologies used for
instruments measured at fair value on the Company’s balance sheet, as well as the general classification of such instruments
pursuant to the valuation hierarchy:</p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0"> </p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0"><i><u>Securities </u></i></p>
<p style="font: 10pt/11pt Times New Roman, Times, Serif; margin: 0; text-align: justify">Where quoted prices are available in an
active market, securities are classified within level 1 of the valuation hierarchy. Level 1 securities would include highly liquid
government bonds, mortgage products and exchange traded equities. If quoted market prices are not available, then fair values are
estimated by using pricing models, quoted prices of securities with similar characteristics, or discounted cash flow. Level 2 securities
would include U.S. agency securities, mortgage-backed agency securities, obligations of states and political subdivisions and certain
corporate, asset backed and other securities. In certain cases where there is limited activity or less transparency around inputs
to the valuation, securities are classified within level 3 of the valuation hierarchy. Currently, all of the Company’s securities
are considered to be Level 2 securities.</p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0"> </p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0"><i><u>Impaired Loans</u></i></p>
<p style="font: 10pt/11pt Times New Roman, Times, Serif; margin: 0; text-align: justify">The fair value measurement guidance applies
to loans measured for impairment using the practical expedients permitted by authoritative accounting guidance, including impaired
loans measured at an observable market price (if available), or at the fair value of the loan’s collateral (if the loan is
collateral dependent). Fair value of the loan’s collateral, when the loan is dependent on collateral, is determined by appraisals
or independent valuation which is then adjusted for the estimated cost related to liquidation of the collateral. At March 31, 2012,
the Company had impaired loans with an unpaid principal balance of $32,128,000 of which $9,524,000 required an allowance of $1,319,000.
(see Note Two).</p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0"> </p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0"><i><u>Other Real Estate Owned</u></i></p>
<p style="font: 10pt/11pt Times New Roman, Times, Serif; margin: 0; text-align: justify">Certain assets such as other real estate
owned (OREO) are measured at fair value. Real estate acquired through foreclosure is recorded at an estimated fair value less cost
to sell. At or near the time of foreclosure, a real estate appraisal is obtained on the properties. In the event that a sales agreement
is in place at the time of valuation, the fair value of the collateral is determined to be the agreed-upon sale price, net of anticipated
selling costs (Level 1). In the absence of a sales agreement, the real estate is then valued at the lesser of the appraised value,
net of anticipated selling costs, or the loan balance, including interest receivable, at the time of foreclosure less an estimate
of costs to sell the property. Appraised values are typically determined utilizing an income or market valuation approach based
on an appraisal conducted by an independent, licensed appraiser (Level 2). If the acquired property is a house or building in the
process of construction or if an appraisal of the real estate property is over twelve months old, the fair value is considered
Level 3. The estimate of costs to sell the property is based on historical transactions of similar holdings.</p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0"> </p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0"></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0"></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0">The Company, at March 31, 2012 and December 31, 2011 had no liabilities
subject to fair value reporting requirements. The table below summarizes assets at March 31, 2012 and December 31, 2011 measured
at fair value on a recurring basis (in thousands of dollars):</p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0"> </p>
<table cellpadding="0" cellspacing="0" style="border-collapse: collapse; width: 100%; font: 10pt Times New Roman, Times, Serif">
<tr style="vertical-align: bottom">
<td nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">March 31, 2012</td><td nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1pt"> </td>
<td colspan="2" nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif; text-align: right; border-bottom: Black 1pt solid">Level 1</td><td nowrap="nowrap" style="padding-bottom: 1pt; font: bold 10pt Times New Roman, Times, Serif"> </td><td nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1pt"> </td>
<td colspan="2" nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif; text-align: right; border-bottom: Black 1pt solid">Level 2</td><td nowrap="nowrap" style="padding-bottom: 1pt; font: bold 10pt Times New Roman, Times, Serif"> </td><td nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1pt"> </td>
<td colspan="2" nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif; text-align: right; border-bottom: Black 1pt solid">Level 3</td><td nowrap="nowrap" style="padding-bottom: 1pt; font: bold 10pt Times New Roman, Times, Serif"> </td><td nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1pt"> </td>
<td colspan="2" nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif; text-align: right; border-bottom: Black 1pt solid"><b>Total Fair Value <br />
Measurements</b></td><td nowrap="nowrap" style="padding-bottom: 1pt; font: bold 10pt Times New Roman, Times, Serif"> </td></tr>
<tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
<td nowrap="nowrap" style="width: 56%; font: 10pt Times New Roman, Times, Serif; text-align: left; padding-left: 5.4pt">U.S. Treasuries and Agencies</td><td nowrap="nowrap" style="width: 1%; font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">$</td><td nowrap="nowrap" style="width: 8%; font: 10pt Times New Roman, Times, Serif; text-align: right">0</td><td nowrap="nowrap" style="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="width: 1%; font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">$</td><td nowrap="nowrap" style="width: 8%; font: 10pt Times New Roman, Times, Serif; text-align: right">24,306</td><td nowrap="nowrap" style="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="width: 1%; font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">$</td><td nowrap="nowrap" style="width: 8%; font: 10pt Times New Roman, Times, Serif; text-align: right">0</td><td nowrap="nowrap" style="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="width: 1%; font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">$</td><td nowrap="nowrap" style="width: 8%; font: 10pt Times New Roman, Times, Serif; text-align: right">24,306</td><td nowrap="nowrap" style="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: White">
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left; padding-left: 5.4pt">Mortgage backed securities</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">0</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">4,232</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">0</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">4,232</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left; padding-left: 5.4pt">Collateralized mortgage obligations</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">0</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">3,159</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">0</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">3,159</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: White">
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left; padding-left: 5.4pt">States and municipalities</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">0</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">2,700</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">0</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">2,700</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt; padding-left: 5.4pt">Certificates of deposit</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt"> </td>
<td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right">0</td><td nowrap="nowrap" style="padding-bottom: 1pt; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt"> </td>
<td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right">4,676</td><td nowrap="nowrap" style="padding-bottom: 1pt; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt"> </td>
<td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right">0</td><td nowrap="nowrap" style="padding-bottom: 1pt; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt"> </td>
<td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right">4,676</td><td nowrap="nowrap" style="padding-bottom: 1pt; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: White">
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left; padding-bottom: 2.5pt; padding-left: 5.4pt">Total Available For Sale Securities</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 2.5pt"> </td>
<td nowrap="nowrap" style="border-bottom: Black 2.5pt double; font: 10pt Times New Roman, Times, Serif; text-align: left">$</td><td nowrap="nowrap" style="border-bottom: Black 2.5pt double; font: 10pt Times New Roman, Times, Serif; text-align: right">0</td><td nowrap="nowrap" style="padding-bottom: 2.5pt; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 2.5pt"> </td>
<td nowrap="nowrap" style="border-bottom: Black 2.5pt double; font: 10pt Times New Roman, Times, Serif; text-align: left">$</td><td nowrap="nowrap" style="border-bottom: Black 2.5pt double; font: 10pt Times New Roman, Times, Serif; text-align: right">39,073</td><td nowrap="nowrap" style="padding-bottom: 2.5pt; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 2.5pt"> </td>
<td nowrap="nowrap" style="border-bottom: Black 2.5pt double; font: 10pt Times New Roman, Times, Serif; text-align: left">$</td><td nowrap="nowrap" style="border-bottom: Black 2.5pt double; font: 10pt Times New Roman, Times, Serif; text-align: right">0</td><td nowrap="nowrap" style="padding-bottom: 2.5pt; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 2.5pt"> </td>
<td nowrap="nowrap" style="border-bottom: Black 2.5pt double; font: 10pt Times New Roman, Times, Serif; text-align: left">$</td><td nowrap="nowrap" style="border-bottom: Black 2.5pt double; font: 10pt Times New Roman, Times, Serif; text-align: right">39,073</td><td nowrap="nowrap" style="padding-bottom: 2.5pt; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td></tr>
</table>
<p style="margin: 0"> </p>
<table cellpadding="0" cellspacing="0" style="border-collapse: collapse; width: 100%; font: 10pt Times New Roman, Times, Serif">
<tr style="vertical-align: bottom">
<td nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">December 31, 2011</td><td nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1pt"> </td>
<td colspan="2" nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif; text-align: right; border-bottom: Black 1pt solid">Level 1</td><td nowrap="nowrap" style="padding-bottom: 1pt; font: bold 10pt Times New Roman, Times, Serif"> </td><td nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1pt"> </td>
<td colspan="2" nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif; text-align: right; border-bottom: Black 1pt solid">Level 2</td><td nowrap="nowrap" style="padding-bottom: 1pt; font: bold 10pt Times New Roman, Times, Serif"> </td><td nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1pt"> </td>
<td colspan="2" nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif; text-align: right; border-bottom: Black 1pt solid">Level 3</td><td nowrap="nowrap" style="padding-bottom: 1pt; font: bold 10pt Times New Roman, Times, Serif"> </td><td nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1pt"> </td>
<td colspan="2" nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif; text-align: right; border-bottom: Black 1pt solid"><b>Total Fair Value <br />
Measurements</b></td><td nowrap="nowrap" style="padding-bottom: 1pt; font: bold 10pt Times New Roman, Times, Serif"> </td></tr>
<tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
<td nowrap="nowrap" style="width: 56%; font: 10pt Times New Roman, Times, Serif; text-align: left; padding-left: 5.4pt">U.S. Treasuries and Agencies</td><td nowrap="nowrap" style="width: 1%; font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">$</td><td nowrap="nowrap" style="width: 8%; font: 10pt Times New Roman, Times, Serif; text-align: right">0</td><td nowrap="nowrap" style="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="width: 1%; font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">$</td><td nowrap="nowrap" style="width: 8%; font: 10pt Times New Roman, Times, Serif; text-align: right">21,932</td><td nowrap="nowrap" style="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="width: 1%; font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">$</td><td nowrap="nowrap" style="width: 8%; font: 10pt Times New Roman, Times, Serif; text-align: right">0</td><td nowrap="nowrap" style="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="width: 1%; font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">$</td><td nowrap="nowrap" style="width: 8%; font: 10pt Times New Roman, Times, Serif; text-align: right">21,932</td><td nowrap="nowrap" style="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: White">
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left; padding-left: 5.4pt">Mortgage backed securities</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">0</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">5,604</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">0</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">5,604</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left; padding-left: 5.4pt">Collateralized mortgage obligations</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">0</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">3,413</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">0</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">3,413</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: White">
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left; padding-left: 5.4pt">States and municipalities</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">0</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">2,698</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">0</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">2,698</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt; padding-left: 5.4pt">Certificates of deposit</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt"> </td>
<td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right">0</td><td nowrap="nowrap" style="padding-bottom: 1pt; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt"> </td>
<td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right">5,910</td><td nowrap="nowrap" style="padding-bottom: 1pt; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt"> </td>
<td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right">0</td><td nowrap="nowrap" style="padding-bottom: 1pt; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt"> </td>
<td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right">5,910</td><td nowrap="nowrap" style="padding-bottom: 1pt; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: White">
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left; padding-bottom: 2.5pt; padding-left: 5.4pt">Total Available For Sale Securities</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 2.5pt"> </td>
<td nowrap="nowrap" style="border-bottom: Black 2.5pt double; font: 10pt Times New Roman, Times, Serif; text-align: left">$</td><td nowrap="nowrap" style="border-bottom: Black 2.5pt double; font: 10pt Times New Roman, Times, Serif; text-align: right">0</td><td nowrap="nowrap" style="padding-bottom: 2.5pt; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 2.5pt"> </td>
<td nowrap="nowrap" style="border-bottom: Black 2.5pt double; font: 10pt Times New Roman, Times, Serif; text-align: left">$</td><td nowrap="nowrap" style="border-bottom: Black 2.5pt double; font: 10pt Times New Roman, Times, Serif; text-align: right">39,557</td><td nowrap="nowrap" style="padding-bottom: 2.5pt; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 2.5pt"> </td>
<td nowrap="nowrap" style="border-bottom: Black 2.5pt double; font: 10pt Times New Roman, Times, Serif; text-align: left">$</td><td nowrap="nowrap" style="border-bottom: Black 2.5pt double; font: 10pt Times New Roman, Times, Serif; text-align: right">0</td><td nowrap="nowrap" style="padding-bottom: 2.5pt; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 2.5pt"> </td>
<td nowrap="nowrap" style="border-bottom: Black 2.5pt double; font: 10pt Times New Roman, Times, Serif; text-align: left">$</td><td nowrap="nowrap" style="border-bottom: Black 2.5pt double; font: 10pt Times New Roman, Times, Serif; text-align: right">39,557</td><td nowrap="nowrap" style="padding-bottom: 2.5pt; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td></tr>
</table>
<p style="font: 10pt/11pt Times New Roman, Times, Serif; margin: 0"> </p>
<p style="font: 10pt/11pt Times New Roman, Times, Serif; margin: 0">The table below summarizes assets at March 31, 2012 and December
31, 2011, measured at fair value on a non recurring basis (in thousands of dollars):</p>
<p style="font: 10pt/11pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"> </p>
<table cellpadding="0" cellspacing="0" style="border-collapse: collapse; width: 100%; font: 10pt Times New Roman, Times, Serif">
<tr style="vertical-align: bottom">
<td nowrap="nowrap"> </td><td nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1pt"> </td>
<td colspan="2" nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif; text-align: right; border-bottom: Black 1pt solid">Level 1</td><td nowrap="nowrap" style="padding-bottom: 1pt; font: bold 10pt Times New Roman, Times, Serif"> </td><td nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1pt"> </td>
<td colspan="2" nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif; text-align: right; border-bottom: Black 1pt solid">Level 2</td><td nowrap="nowrap" style="padding-bottom: 1pt; font: bold 10pt Times New Roman, Times, Serif"> </td><td nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1pt"> </td>
<td colspan="2" nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif; text-align: right; border-bottom: Black 1pt solid">Level 3</td><td nowrap="nowrap" style="padding-bottom: 1pt; font: bold 10pt Times New Roman, Times, Serif"> </td><td nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1pt"> </td>
<td colspan="2" nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif; text-align: right; border-bottom: Black 1pt solid"><b>Total Fair Value <br /> Measurements</b></td><td nowrap="nowrap" style="padding-bottom: 1pt; font: bold 10pt Times New Roman, Times, Serif"> </td><td nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1pt"> </td>
<td colspan="2" nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid"><b>Three Months Ended <br /> March 31, 2012<br /> Total gains/(losses)</b></td><td nowrap="nowrap" style="padding-bottom: 1pt; font: bold 10pt Times New Roman, Times, Serif"> </td></tr>
<tr style="vertical-align: bottom">
<td nowrap="nowrap"> </td><td nowrap="nowrap"> </td>
<td colspan="2" nowrap="nowrap"> </td><td nowrap="nowrap"> </td><td nowrap="nowrap"> </td>
<td colspan="2" nowrap="nowrap"> </td><td nowrap="nowrap"> </td><td nowrap="nowrap"> </td>
<td colspan="2" nowrap="nowrap"> </td><td nowrap="nowrap"> </td><td nowrap="nowrap"> </td>
<td colspan="2" nowrap="nowrap"> </td><td nowrap="nowrap"> </td><td nowrap="nowrap"> </td>
<td colspan="2" nowrap="nowrap"> </td><td nowrap="nowrap"> </td></tr>
<tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
<td nowrap="nowrap" style="width: 45%; font: 10pt Times New Roman, Times, Serif; text-align: left; padding-left: 5.4pt">Other real estate owned</td><td nowrap="nowrap" style="width: 1%; font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">$</td><td nowrap="nowrap" style="width: 8%; font: 10pt Times New Roman, Times, Serif; text-align: right">0</td><td nowrap="nowrap" style="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="width: 1%; font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">$</td><td nowrap="nowrap" style="width: 8%; font: 10pt Times New Roman, Times, Serif; text-align: right">6,954</td><td nowrap="nowrap" style="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="width: 1%; font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">$</td><td nowrap="nowrap" style="width: 8%; font: 10pt Times New Roman, Times, Serif; text-align: right">1,033</td><td nowrap="nowrap" style="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="width: 1%; font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">$</td><td nowrap="nowrap" style="width: 8%; font: 10pt Times New Roman, Times, Serif; text-align: right">7,987</td><td nowrap="nowrap" style="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="width: 1%; font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">$</td><td nowrap="nowrap" style="width: 8%; font: 10pt Times New Roman, Times, Serif; text-align: right">(56</td><td nowrap="nowrap" style="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">)</td></tr>
<tr style="vertical-align: bottom; background-color: White">
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left; padding-bottom: 1pt; padding-left: 5.4pt">Impaired Loans</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt"> </td>
<td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right">0</td><td nowrap="nowrap" style="padding-bottom: 1pt; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt"> </td>
<td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right">6,437</td><td nowrap="nowrap" style="padding-bottom: 1pt; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt"> </td>
<td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right">1,768</td><td nowrap="nowrap" style="padding-bottom: 1pt; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt"> </td>
<td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right">8,205</td><td nowrap="nowrap" style="padding-bottom: 1pt; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt"> </td>
<td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right">0</td><td nowrap="nowrap" style="padding-bottom: 1pt; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 2.5pt; padding-left: 5.4pt">Total</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 2.5pt"> </td>
<td nowrap="nowrap" style="border-bottom: Black 2.5pt double; font: 10pt Times New Roman, Times, Serif; text-align: left">$</td><td nowrap="nowrap" style="border-bottom: Black 2.5pt double; font: 10pt Times New Roman, Times, Serif; text-align: right">0</td><td nowrap="nowrap" style="padding-bottom: 2.5pt; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 2.5pt"> </td>
<td nowrap="nowrap" style="border-bottom: Black 2.5pt double; font: 10pt Times New Roman, Times, Serif; text-align: left">$</td><td nowrap="nowrap" style="border-bottom: Black 2.5pt double; font: 10pt Times New Roman, Times, Serif; text-align: right">13,391</td><td nowrap="nowrap" style="padding-bottom: 2.5pt; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 2.5pt"> </td>
<td nowrap="nowrap" style="border-bottom: Black 2.5pt double; font: 10pt Times New Roman, Times, Serif; text-align: left">$</td><td nowrap="nowrap" style="border-bottom: Black 2.5pt double; font: 10pt Times New Roman, Times, Serif; text-align: right">2,801</td><td nowrap="nowrap" style="padding-bottom: 2.5pt; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 2.5pt"> </td>
<td nowrap="nowrap" style="border-bottom: Black 2.5pt double; font: 10pt Times New Roman, Times, Serif; text-align: left">$</td><td nowrap="nowrap" style="border-bottom: Black 2.5pt double; font: 10pt Times New Roman, Times, Serif; text-align: right">16,192</td><td nowrap="nowrap" style="padding-bottom: 2.5pt; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 2.5pt"> </td>
<td nowrap="nowrap" style="border-bottom: Black 2.5pt double; font: 10pt Times New Roman, Times, Serif; text-align: left">$</td><td nowrap="nowrap" style="border-bottom: Black 2.5pt double; font: 10pt Times New Roman, Times, Serif; text-align: right">(56</td><td nowrap="nowrap" style="padding-bottom: 2.5pt; font: 10pt Times New Roman, Times, Serif; text-align: left">)</td></tr>
</table>
<p style="margin: 0"> </p>
<table cellpadding="0" cellspacing="0" style="border-collapse: collapse; width: 100%; font: 10pt Times New Roman, Times, Serif">
<tr style="vertical-align: bottom">
<td nowrap="nowrap"> </td><td nowrap="nowrap"> </td>
<td colspan="2" nowrap="nowrap"> </td><td nowrap="nowrap"> </td><td nowrap="nowrap"> </td>
<td colspan="2" nowrap="nowrap"> </td><td nowrap="nowrap"> </td><td nowrap="nowrap"> </td>
<td colspan="2" nowrap="nowrap"> </td><td nowrap="nowrap"> </td><td nowrap="nowrap"> </td>
<td colspan="2" nowrap="nowrap"> </td><td nowrap="nowrap"> </td><td nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif"> </td>
<td colspan="2" nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif; text-align: center"> </td><td nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif"> </td></tr>
<tr style="vertical-align: bottom">
<td nowrap="nowrap"> </td><td nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1pt"> </td>
<td colspan="2" nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif; text-align: right; border-bottom: Black 1pt solid">Level 1</td><td nowrap="nowrap" style="padding-bottom: 1pt; font: bold 10pt Times New Roman, Times, Serif"> </td><td nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1pt"> </td>
<td colspan="2" nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif; text-align: right; border-bottom: Black 1pt solid">Level 2</td><td nowrap="nowrap" style="padding-bottom: 1pt; font: bold 10pt Times New Roman, Times, Serif"> </td><td nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1pt"> </td>
<td colspan="2" nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif; text-align: right; border-bottom: Black 1pt solid">Level 3</td><td nowrap="nowrap" style="padding-bottom: 1pt; font: bold 10pt Times New Roman, Times, Serif"> </td><td nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1pt"> </td>
<td colspan="2" nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif; text-align: right; border-bottom: Black 1pt solid"><b>Total Fair Value <br /> Measurements</b></td><td nowrap="nowrap" style="padding-bottom: 1pt; font: bold 10pt Times New Roman, Times, Serif"> </td><td nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif; padding-bottom: 1pt"> </td>
<td colspan="2" nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">Twelve Months Ended <br /> December 31, 2011<br /> Total Gains/(Losses)</td><td nowrap="nowrap" style="padding-bottom: 1pt; font: bold 10pt Times New Roman, Times, Serif"> </td></tr>
<tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
<td nowrap="nowrap" style="width: 45%; font: 10pt Times New Roman, Times, Serif; text-align: left; padding-left: 5.4pt">Other real estate owned</td><td nowrap="nowrap" style="width: 1%; font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">$</td><td nowrap="nowrap" style="width: 8%; font: 10pt Times New Roman, Times, Serif; text-align: right">0</td><td nowrap="nowrap" style="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="width: 1%; font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">$</td><td nowrap="nowrap" style="width: 8%; font: 10pt Times New Roman, Times, Serif; text-align: right">5,862</td><td nowrap="nowrap" style="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="width: 1%; font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">$</td><td nowrap="nowrap" style="width: 8%; font: 10pt Times New Roman, Times, Serif; text-align: right">1,208</td><td nowrap="nowrap" style="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="width: 1%; font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">$</td><td nowrap="nowrap" style="width: 8%; font: 10pt Times New Roman, Times, Serif; text-align: right">7,070</td><td nowrap="nowrap" style="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="width: 1%; font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">$</td><td nowrap="nowrap" style="width: 8%; font: 10pt Times New Roman, Times, Serif; text-align: right">(912</td><td nowrap="nowrap" style="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">)</td></tr>
<tr style="vertical-align: bottom; background-color: White">
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left; padding-bottom: 1pt; padding-left: 5.4pt">Impaired Loans</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt"> </td>
<td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right">0</td><td nowrap="nowrap" style="padding-bottom: 1pt; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt"> </td>
<td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right">4,771</td><td nowrap="nowrap" style="padding-bottom: 1pt; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt"> </td>
<td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right">565</td><td nowrap="nowrap" style="padding-bottom: 1pt; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt"> </td>
<td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right">5,336</td><td nowrap="nowrap" style="padding-bottom: 1pt; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt"> </td>
<td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right">0</td><td nowrap="nowrap" style="padding-bottom: 1pt; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 2.5pt; padding-left: 5.4pt">Total</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 2.5pt"> </td>
<td nowrap="nowrap" style="border-bottom: Black 2.5pt double; font: 10pt Times New Roman, Times, Serif; text-align: left">$</td><td nowrap="nowrap" style="border-bottom: Black 2.5pt double; font: 10pt Times New Roman, Times, Serif; text-align: right">0</td><td nowrap="nowrap" style="padding-bottom: 2.5pt; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 2.5pt"> </td>
<td nowrap="nowrap" style="border-bottom: Black 2.5pt double; font: 10pt Times New Roman, Times, Serif; text-align: left">$</td><td nowrap="nowrap" style="border-bottom: Black 2.5pt double; font: 10pt Times New Roman, Times, Serif; text-align: right">10,633</td><td nowrap="nowrap" style="padding-bottom: 2.5pt; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 2.5pt"> </td>
<td nowrap="nowrap" style="border-bottom: Black 2.5pt double; font: 10pt Times New Roman, Times, Serif; text-align: left">$</td><td nowrap="nowrap" style="border-bottom: Black 2.5pt double; font: 10pt Times New Roman, Times, Serif; text-align: right">1,773</td><td nowrap="nowrap" style="padding-bottom: 2.5pt; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 2.5pt"> </td>
<td nowrap="nowrap" style="border-bottom: Black 2.5pt double; font: 10pt Times New Roman, Times, Serif; text-align: left">$</td><td nowrap="nowrap" style="border-bottom: Black 2.5pt double; font: 10pt Times New Roman, Times, Serif; text-align: right">12,406</td><td nowrap="nowrap" style="padding-bottom: 2.5pt; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 2.5pt"> </td>
<td nowrap="nowrap" style="border-bottom: Black 2.5pt double; font: 10pt Times New Roman, Times, Serif; text-align: left">$</td><td nowrap="nowrap" style="border-bottom: Black 2.5pt double; font: 10pt Times New Roman, Times, Serif; text-align: right">(912</td><td nowrap="nowrap" style="padding-bottom: 2.5pt; font: 10pt Times New Roman, Times, Serif; text-align: left">)</td></tr>
</table>
<p style="font: 10pt/11pt Times New Roman, Times, Serif; margin: 0"> </p>
<p style="font: 10pt/11pt Times New Roman, Times, Serif; margin: 0; text-align: justify"> </p>
<p style="font: 10pt/11pt Times New Roman, Times, Serif; margin: 0; text-align: justify">The information above discusses financial
instruments carried on the Company’s balance sheet at fair value. Other financial instruments on the Company’s balance
sheet, while not carried at fair value, do have fair values which may differ from the carrying value. GAAP requires disclosure
relating to these fair values. The following information shows </p>
<p style="font: 10pt/11pt Times New Roman, Times, Serif; margin: 0; text-align: justify">the carrying values and estimated fair values of financial instruments
and discusses the methods and assumptions used in determining these fair values.</p>
<p style="font: 10pt/11pt Times New Roman, Times, Serif; margin: 0; text-align: justify"> </p>
<p style="font: 10pt/11pt Times New Roman, Times, Serif; margin: 0; text-align: justify">The fair value of the Company's assets
and liabilities is influenced heavily by market conditions. Fair value applies to both assets and liabilities, either on or off
the balance sheet.  Fair value is defined as the amount at which a financial instrument could be exchanged in a current
transaction between willing parties, other than in a forced or liquidation sale.</p>
<p style="font: 10pt/11pt Times New Roman, Times, Serif; margin: 0; text-align: justify"> </p>
<p style="font: 10pt/11pt Times New Roman, Times, Serif; margin: 0; text-align: justify">The methods and assumptions detailed below
were used to estimate the fair value of each class of financial instruments for which it is practicable to estimate that value:</p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"> </p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><i><u>Cash, Due from Banks and Money Market
Investments</u></i></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">The carrying amount of cash, due from bank
balances, interest bearing deposits and federal funds sold is a reasonable estimate of fair value.</p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"> </p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><i><u>Securities</u></i></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">Fair values of securities are based on quoted
market prices or dealer quotes.  If a quoted market price is not available, fair value is estimated using quoted market
prices for similar securities.</p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><i> </i></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><i><u>Restricted Investments</u></i></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">The carrying amount of restricted investments
is a reasonable estimate of fair value.</p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"> </p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><i><u>Loans</u></i></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">The fair value of loans is estimated by discounting
the future cash flows using the current rates at which similar loans would be made to borrowers with similar credit ratings and
for the same remaining maturities, taking into consideration the credit risk in various loan categories.</p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"> </p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><i><u>Deposits</u></i></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">The fair value of demand, interest checking,
regular savings and money market deposits is the amount payable on demand at the reporting date.  The fair value of fixed
maturity certificates of deposit is estimated using the rates currently offered for deposits of similar remaining maturities.</p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"> </p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><i><u>Long Term Debt</u></i></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">The fair value of fixed rate loans is estimated
using the rates currently offered by the Federal Home Loan Bank for indebtedness with similar maturities.</p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"> </p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><i><u>Short Term Debt</u></i></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">The fair value of short-term variable rate
debt is deemed to be equal to the carrying value.</p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"> </p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><i><u>Interest Payable and Receivable</u></i></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">The carrying value of amounts of interest receivable
and payable is a reasonable estimate of fair value.</p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"> </p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><i><u>Life Insurance</u></i></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">The carrying amount of life insurance contracts
is assumed to be a reasonable fair value. Life insurance contracts are carried on the balance sheet at their redemption value as
of March 31, 2012.  This redemption value is based on existing market conditions and therefore represents the fair value
of the contract.</p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"> </p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><i><u>Off-Balance-Sheet Items</u></i></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">The carrying amount and estimated fair value
of off-balance-sheet items were not material at March 31, 2012 or December 31, 2011.</p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"> </p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">The carrying amount and estimated fair values
of financial instruments as of March 31, 2012 and December 31, 2011 are shown in the table below (in thousands of dollars):</p>
<p style="font: 10pt/11pt Times New Roman, Times, Serif; margin: 0; text-align: justify"> </p>
<table cellpadding="0" cellspacing="0" style="border-collapse: collapse; width: 100%; font: 10pt Times New Roman, Times, Serif">
<tr style="vertical-align: bottom">
<td nowrap="nowrap"> </td><td nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif; border-bottom: Black 1pt solid; border-top: Black 1pt solid"> </td>
<td colspan="13" nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid; border-top: Black 1pt solid">Fair Value Measurements at March 31, 2012 using</td>
<td> </td></tr>
<tr style="vertical-align: bottom">
<td nowrap="nowrap"> </td><td nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif"> </td>
<td colspan="2" nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif; text-align: center">Quoted Prices in</td><td nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif"> </td><td nowrap="nowrap"> </td>
<td colspan="2" nowrap="nowrap"> </td><td nowrap="nowrap"> </td><td nowrap="nowrap"> </td>
<td colspan="2" nowrap="nowrap"> </td><td colspan="3" nowrap="nowrap"> </td>
<td> </td></tr>
<tr style="vertical-align: bottom">
<td nowrap="nowrap"> </td><td nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif"> </td>
<td colspan="2" nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif; text-align: center">Active Markets</td><td nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif"> </td><td nowrap="nowrap"> </td>
<td colspan="2" nowrap="nowrap"> </td><td nowrap="nowrap"> </td><td nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif"> </td>
<td colspan="2" nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif; text-align: center">Significant</td><td colspan="3" nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif"> </td>
<td> </td></tr>
<tr style="vertical-align: bottom">
<td nowrap="nowrap"> </td><td nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif"> </td>
<td colspan="2" nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif; text-align: center">for Identical</td><td nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif"> </td><td nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif"> </td>
<td colspan="2" nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif; text-align: center">Significant Other</td><td nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif"> </td><td nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif"> </td>
<td colspan="2" nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif; text-align: center">Unobservable</td><td colspan="3" nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif"> </td>
<td> </td></tr>
<tr style="vertical-align: bottom">
<td nowrap="nowrap"> </td><td nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif; border-bottom: Black 1pt solid"> </td>
<td colspan="2" nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">Assets</td><td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: bold 10pt Times New Roman, Times, Serif"> </td><td nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif; border-bottom: Black 1pt solid"> </td>
<td colspan="2" nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">Observable Inputs</td><td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: bold 10pt Times New Roman, Times, Serif"> </td><td nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif; border-bottom: Black 1pt solid"> </td>
<td colspan="2" nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">Inputs</td><td colspan="3" nowrap="nowrap" style="border-bottom: Black 1pt solid; font: bold 10pt Times New Roman, Times, Serif"> </td>
<td> </td></tr>
<tr style="vertical-align: bottom">
<td nowrap="nowrap"> </td><td nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif; border-bottom: Black 1pt solid"> </td>
<td colspan="2" nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">Level 1</td><td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: bold 10pt Times New Roman, Times, Serif"> </td><td nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif; border-bottom: Black 1pt solid"> </td>
<td colspan="2" nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">Level 2</td><td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: bold 10pt Times New Roman, Times, Serif"> </td><td nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif; border-bottom: Black 1pt solid"> </td>
<td colspan="2" nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">Level 3</td><td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: bold 10pt Times New Roman, Times, Serif"> </td><td nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif; border-bottom: Black 1pt solid"> </td>
<td nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">Balance</td>
<td> </td>
</tr>
<tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
<td nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif; text-align: left; padding-left: 5.4pt; width: 61%">Financial Assets:</td><td nowrap="nowrap" style="width: 1%"> </td>
<td nowrap="nowrap" style="text-align: left; width: 1%"> </td><td nowrap="nowrap" style="text-align: right; width: 7%"> </td><td nowrap="nowrap" style="text-align: left; width: 1%"> </td><td nowrap="nowrap" style="width: 1%"> </td>
<td nowrap="nowrap" style="text-align: right; width: 1%"> </td><td nowrap="nowrap" style="text-align: left; width: 7%"> </td><td nowrap="nowrap" style="width: 1%"> </td>
<td nowrap="nowrap" style="text-align: left; width: 1%"> </td><td nowrap="nowrap" style="text-align: right; width: 1%"> </td><td nowrap="nowrap" style="text-align: left; width: 7%"> </td>
<td style="width: 1%"> </td>
<td style="width: 1%"> </td>
<td style="width: 7%"> </td>
<td style="width: 1%"> </td></tr>
<tr style="vertical-align: bottom; background-color: White">
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left; padding-left: 5.4pt">Cash and due from banks</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left">$</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">7,000</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap"> </td>
<td nowrap="nowrap" style="text-align: left"> </td><td nowrap="nowrap" style="text-align: right"> </td><td nowrap="nowrap" style="text-align: left"> </td><td nowrap="nowrap"> </td>
<td nowrap="nowrap" style="text-align: left"> </td><td nowrap="nowrap" style="text-align: right"> </td><td nowrap="nowrap" style="text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif">$</td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">7,000</td>
<td> </td></tr>
<tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left; padding-left: 5.4pt">Interest bearing deposits</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">3,219</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap"> </td>
<td nowrap="nowrap" style="text-align: left"> </td><td nowrap="nowrap" style="text-align: right"> </td><td nowrap="nowrap" style="text-align: left"> </td><td nowrap="nowrap"> </td>
<td nowrap="nowrap" style="text-align: left"> </td><td nowrap="nowrap" style="text-align: right"> </td><td nowrap="nowrap" style="text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">3,219</td>
<td> </td></tr>
<tr style="vertical-align: bottom; background-color: White">
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left; padding-left: 5.4pt">Federal funds sold</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">6,630</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap"> </td>
<td nowrap="nowrap" style="text-align: left"> </td><td nowrap="nowrap" style="text-align: right"> </td><td nowrap="nowrap" style="text-align: left"> </td><td nowrap="nowrap"> </td>
<td nowrap="nowrap" style="text-align: left"> </td><td nowrap="nowrap" style="text-align: right"> </td><td nowrap="nowrap" style="text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">6,630</td>
<td> </td></tr>
<tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left; padding-left: 5.4pt">Securities available for sale</td><td nowrap="nowrap"> </td>
<td nowrap="nowrap" style="text-align: left"> </td><td nowrap="nowrap" style="text-align: right"> </td><td nowrap="nowrap" style="text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">39,073</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap"> </td>
<td nowrap="nowrap" style="text-align: left"> </td><td nowrap="nowrap" style="text-align: right"> </td><td nowrap="nowrap" style="text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">39,073</td>
<td> </td></tr>
<tr style="vertical-align: bottom; background-color: White">
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left; padding-left: 5.4pt">Restricted investments</td><td nowrap="nowrap"> </td>
<td nowrap="nowrap" style="text-align: left"> </td><td nowrap="nowrap" style="text-align: right"> </td><td nowrap="nowrap" style="text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">1,669</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap"> </td>
<td nowrap="nowrap" style="text-align: left"> </td><td nowrap="nowrap" style="text-align: right"> </td><td nowrap="nowrap" style="text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">1,669</td>
<td> </td></tr>
<tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left; padding-left: 5.4pt">Loans, net</td><td nowrap="nowrap"> </td>
<td nowrap="nowrap" style="text-align: left"> </td><td nowrap="nowrap" style="text-align: right"> </td><td nowrap="nowrap" style="text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">304,196</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">1,768</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">305,964</td>
<td> </td></tr>
<tr style="vertical-align: bottom; background-color: White">
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left; padding-left: 5.4pt">Interest receivable</td><td nowrap="nowrap"> </td>
<td nowrap="nowrap" style="text-align: left"> </td><td nowrap="nowrap" style="text-align: right"> </td><td nowrap="nowrap" style="text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">1,535</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap"> </td>
<td nowrap="nowrap" style="text-align: left"> </td><td nowrap="nowrap" style="text-align: right"> </td><td nowrap="nowrap" style="text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">1,535</td>
<td> </td></tr>
<tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left; padding-left: 5.4pt">Life insurance contracts</td><td nowrap="nowrap"> </td>
<td nowrap="nowrap" style="text-align: left"> </td><td nowrap="nowrap" style="text-align: right"> </td><td nowrap="nowrap" style="text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">7,368</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap"> </td>
<td nowrap="nowrap" style="text-align: left"> </td><td nowrap="nowrap" style="text-align: right"> </td><td nowrap="nowrap" style="text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">7,368</td>
<td> </td></tr>
<tr style="vertical-align: bottom; background-color: White">
<td nowrap="nowrap" style="padding-left: 5.4pt"> </td><td nowrap="nowrap"> </td>
<td nowrap="nowrap" style="text-align: left"> </td><td nowrap="nowrap" style="text-align: right"> </td><td nowrap="nowrap" style="text-align: left"> </td><td nowrap="nowrap"> </td>
<td nowrap="nowrap" style="text-align: left"> </td><td nowrap="nowrap" style="text-align: right"> </td><td nowrap="nowrap" style="text-align: left"> </td><td nowrap="nowrap"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td> </td>
<td> </td><td nowrap="nowrap" style="text-align: right"> </td>
<td> </td></tr>
<tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
<td nowrap="nowrap" colspan="15" style="font: bold 10pt Times New Roman, Times, Serif; text-align: left; padding-left: 5.4pt">Financial Liabilities:</td>
<td> </td></tr>
<tr style="vertical-align: bottom; background-color: White">
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left; padding-left: 5.4pt">Demand and savings deposits</td><td nowrap="nowrap"> </td>
<td nowrap="nowrap" style="text-align: left"> </td><td nowrap="nowrap" style="text-align: right"> </td><td nowrap="nowrap" style="text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">147,094</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap"> </td>
<td nowrap="nowrap" style="text-align: left"> </td><td nowrap="nowrap" style="text-align: right"> </td><td nowrap="nowrap" style="text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">147,094</td>
<td> </td></tr>
<tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left; padding-left: 5.4pt">Time deposits</td><td nowrap="nowrap"> </td>
<td nowrap="nowrap" style="text-align: left"> </td><td nowrap="nowrap" style="text-align: right"> </td><td nowrap="nowrap" style="text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">197,585</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap"> </td>
<td nowrap="nowrap" style="text-align: left"> </td><td nowrap="nowrap" style="text-align: right"> </td><td nowrap="nowrap" style="text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">197,585</td>
<td> </td></tr>
<tr style="vertical-align: bottom; background-color: White">
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left; padding-left: 5.4pt">Long term debt instruments</td><td nowrap="nowrap"> </td>
<td nowrap="nowrap" style="text-align: left"> </td><td nowrap="nowrap" style="text-align: right"> </td><td nowrap="nowrap" style="text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">5,826</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap"> </td>
<td nowrap="nowrap" style="text-align: left"> </td><td nowrap="nowrap" style="text-align: right"> </td><td nowrap="nowrap" style="text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">5,826</td>
<td> </td></tr>
<tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left; padding-left: 5.4pt">Interest payable</td><td nowrap="nowrap"> </td>
<td nowrap="nowrap" style="text-align: left"> </td><td nowrap="nowrap" style="text-align: right"> </td><td nowrap="nowrap" style="text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">301</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap"> </td>
<td nowrap="nowrap" style="text-align: left"> </td><td nowrap="nowrap" style="text-align: right"> </td><td nowrap="nowrap" style="text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">301</td>
<td> </td></tr>
</table>
<p style="margin: 0"> </p>
<p style="margin: 0"> </p>
<table cellpadding="0" cellspacing="0" style="border-collapse: collapse; width: 100%; font: 10pt Times New Roman, Times, Serif">
<tr style="vertical-align: bottom">
<td nowrap="nowrap"> </td><td nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif; border-bottom: Black 1pt solid; border-top: Black 1pt solid"> </td>
<td colspan="13" nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid; border-top: Black 1pt solid">Fair Value Measurements at March 31, 2012 using</td>
<td> </td>
</tr>
<tr style="vertical-align: bottom">
<td nowrap="nowrap"> </td><td nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif"> </td>
<td colspan="2" nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif; text-align: center">Quoted Prices in</td><td nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif"> </td><td nowrap="nowrap"> </td>
<td colspan="2" nowrap="nowrap"> </td><td nowrap="nowrap"> </td><td nowrap="nowrap"> </td>
<td colspan="2" nowrap="nowrap"> </td><td colspan="3" nowrap="nowrap"> </td>
<td> </td>
</tr>
<tr style="vertical-align: bottom">
<td nowrap="nowrap"> </td><td nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif"> </td>
<td colspan="2" nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif; text-align: center">Active Markets</td><td nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif"> </td><td nowrap="nowrap"> </td>
<td colspan="2" nowrap="nowrap"> </td><td nowrap="nowrap"> </td><td nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif"> </td>
<td colspan="2" nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif; text-align: center">Significant</td><td colspan="3" nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif"> </td>
<td> </td>
</tr>
<tr style="vertical-align: bottom">
<td nowrap="nowrap"> </td><td nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif"> </td>
<td colspan="2" nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif; text-align: center">for Identical</td><td nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif"> </td><td nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif"> </td>
<td colspan="2" nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif; text-align: center">Significant Other</td><td nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif"> </td><td nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif"> </td>
<td colspan="2" nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif; text-align: center">Unobservable</td><td colspan="3" nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif"> </td>
<td> </td>
</tr>
<tr style="vertical-align: bottom">
<td nowrap="nowrap"> </td><td nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif; border-bottom: Black 1pt solid"> </td>
<td colspan="2" nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">Assets</td><td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: bold 10pt Times New Roman, Times, Serif"> </td><td nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif; border-bottom: Black 1pt solid"> </td>
<td colspan="2" nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">Observable Inputs</td><td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: bold 10pt Times New Roman, Times, Serif"> </td><td nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif; border-bottom: Black 1pt solid"> </td>
<td colspan="2" nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">Inputs</td><td colspan="3" nowrap="nowrap" style="border-bottom: Black 1pt solid; font: bold 10pt Times New Roman, Times, Serif"> </td>
<td> </td>
</tr>
<tr style="vertical-align: bottom">
<td nowrap="nowrap"> </td><td nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif; border-bottom: Black 1pt solid"> </td>
<td colspan="2" nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">Level 1</td><td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: bold 10pt Times New Roman, Times, Serif"> </td><td nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif; border-bottom: Black 1pt solid"> </td>
<td colspan="2" nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">Level 2</td><td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: bold 10pt Times New Roman, Times, Serif"> </td><td nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif; border-bottom: Black 1pt solid"> </td>
<td colspan="2" nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">Level 3</td><td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: bold 10pt Times New Roman, Times, Serif"> </td><td nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif; border-bottom: Black 1pt solid"> </td>
<td nowrap="nowrap" style="font: bold 10pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">Balance</td>
<td> </td>
</tr>
<tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
<td colspan="15" nowrap="nowrap" style="font-weight: bold; text-align: left; padding-left: 5.4pt">Financial Assets:</td>
<td> </td></tr>
<tr style="vertical-align: bottom; background-color: White">
<td nowrap="nowrap" style="width: 61%; text-align: left; padding-left: 5.4pt">Cash and due from banks</td><td nowrap="nowrap" style="width: 1%"> </td>
<td nowrap="nowrap" style="width: 1%; text-align: left">$</td><td nowrap="nowrap" style="width: 7%; text-align: right">9,321</td><td nowrap="nowrap" style="width: 1%; text-align: left"> </td><td nowrap="nowrap" style="width: 1%"> </td>
<td nowrap="nowrap" style="width: 1%; text-align: left"> </td><td nowrap="nowrap" style="width: 7%; text-align: right"> </td><td nowrap="nowrap" style="width: 1%; text-align: left"> </td><td nowrap="nowrap" style="width: 1%"> </td>
<td nowrap="nowrap" style="width: 1%; text-align: left"> </td><td nowrap="nowrap" style="width: 7%; text-align: right"> </td><td nowrap="nowrap" style="width: 1%; text-align: left"> </td><td nowrap="nowrap" style="width: 1%">$</td>
<td nowrap="nowrap" style="text-align: right; width: 7%">9,321</td>
<td style="width: 1%"> </td></tr>
<tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
<td nowrap="nowrap" style="text-align: left; padding-left: 5.4pt">Interest bearing deposits</td><td nowrap="nowrap"> </td>
<td nowrap="nowrap" style="text-align: left"> </td><td nowrap="nowrap" style="text-align: right">2,329</td><td nowrap="nowrap" style="text-align: left"> </td><td nowrap="nowrap"> </td>
<td nowrap="nowrap" style="text-align: left"> </td><td nowrap="nowrap" style="text-align: right"> </td><td nowrap="nowrap" style="text-align: left"> </td><td nowrap="nowrap"> </td>
<td nowrap="nowrap" style="text-align: left"> </td><td nowrap="nowrap" style="text-align: right"> </td><td nowrap="nowrap" style="text-align: left"> </td><td nowrap="nowrap"> </td>
<td nowrap="nowrap" style="text-align: right">2,329</td>
<td> </td></tr>
<tr style="vertical-align: bottom; background-color: White">
<td nowrap="nowrap" style="text-align: left; padding-left: 5.4pt">Federal funds sold</td><td nowrap="nowrap"> </td>
<td nowrap="nowrap" style="text-align: left"> </td><td nowrap="nowrap" style="text-align: right">11,253</td><td nowrap="nowrap" style="text-align: left"> </td><td nowrap="nowrap"> </td>
<td nowrap="nowrap" style="text-align: left"> </td><td nowrap="nowrap" style="text-align: right"> </td><td nowrap="nowrap" style="text-align: left"> </td><td nowrap="nowrap"> </td>
<td nowrap="nowrap" style="text-align: left"> </td><td nowrap="nowrap" style="text-align: right"> </td><td nowrap="nowrap" style="text-align: left"> </td><td nowrap="nowrap"> </td>
<td nowrap="nowrap" style="text-align: right">11,253</td>
<td> </td></tr>
<tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
<td nowrap="nowrap" style="text-align: left; padding-left: 5.4pt">Securities available for sale</td><td nowrap="nowrap"> </td>
<td nowrap="nowrap" style="text-align: left"> </td><td nowrap="nowrap" style="text-align: right"> </td><td nowrap="nowrap" style="text-align: left"> </td><td nowrap="nowrap"> </td>
<td nowrap="nowrap" style="text-align: left"> </td><td nowrap="nowrap" style="text-align: right">39,557</td><td nowrap="nowrap" style="text-align: left"> </td><td nowrap="nowrap"> </td>
<td nowrap="nowrap" style="text-align: left"> </td><td nowrap="nowrap" style="text-align: right"> </td><td nowrap="nowrap" style="text-align: left"> </td><td nowrap="nowrap"> </td>
<td nowrap="nowrap" style="text-align: right">39,557</td>
<td> </td></tr>
<tr style="vertical-align: bottom; background-color: White">
<td nowrap="nowrap" style="text-align: left; padding-left: 5.4pt">Restricted investments</td><td nowrap="nowrap"> </td>
<td nowrap="nowrap" style="text-align: left"> </td><td nowrap="nowrap" style="text-align: right"> </td><td nowrap="nowrap" style="text-align: left"> </td><td nowrap="nowrap"> </td>
<td nowrap="nowrap" style="text-align: left"> </td><td nowrap="nowrap" style="text-align: right">1,741</td><td nowrap="nowrap" style="text-align: left"> </td><td nowrap="nowrap"> </td>
<td nowrap="nowrap" style="text-align: left"> </td><td nowrap="nowrap" style="text-align: right"> </td><td nowrap="nowrap" style="text-align: left"> </td><td nowrap="nowrap"> </td>
<td nowrap="nowrap" style="text-align: right">1,741</td>
<td> </td></tr>
<tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
<td nowrap="nowrap" style="text-align: left; padding-left: 5.4pt">Loans, net</td><td nowrap="nowrap"> </td>
<td nowrap="nowrap" style="text-align: left"> </td><td nowrap="nowrap" style="text-align: right"> </td><td nowrap="nowrap" style="text-align: left"> </td><td nowrap="nowrap"> </td>
<td nowrap="nowrap" style="text-align: left"> </td><td nowrap="nowrap" style="text-align: right">307,064</td><td nowrap="nowrap" style="text-align: left"> </td><td nowrap="nowrap"> </td>
<td nowrap="nowrap" style="text-align: left"> </td><td nowrap="nowrap" style="text-align: right">565</td><td nowrap="nowrap" style="text-align: left"> </td><td nowrap="nowrap"> </td>
<td nowrap="nowrap" style="text-align: right">307,629</td>
<td> </td></tr>
<tr style="vertical-align: bottom; background-color: White">
<td nowrap="nowrap" style="text-align: left; padding-left: 5.4pt">Interest receivable</td><td nowrap="nowrap"> </td>
<td nowrap="nowrap" style="text-align: left"> </td><td nowrap="nowrap" style="text-align: right"> </td><td nowrap="nowrap" style="text-align: left"> </td><td nowrap="nowrap"> </td>
<td nowrap="nowrap" style="text-align: left"> </td><td nowrap="nowrap" style="text-align: right">1,513</td><td nowrap="nowrap" style="text-align: left"> </td><td nowrap="nowrap"> </td>
<td nowrap="nowrap" style="text-align: left"> </td><td nowrap="nowrap" style="text-align: right"> </td><td nowrap="nowrap" style="text-align: left"> </td><td nowrap="nowrap"> </td>
<td nowrap="nowrap" style="text-align: right">1,513</td>
<td> </td></tr>
<tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
<td nowrap="nowrap" style="text-align: left; padding-left: 5.4pt">Life insurance contracts</td><td nowrap="nowrap"> </td>
<td nowrap="nowrap" style="text-align: left"> </td><td nowrap="nowrap" style="text-align: right"> </td><td nowrap="nowrap" style="text-align: left"> </td><td nowrap="nowrap"> </td>
<td nowrap="nowrap" style="text-align: left"> </td><td nowrap="nowrap" style="text-align: right">7,300</td><td nowrap="nowrap" style="text-align: left"> </td><td nowrap="nowrap"> </td>
<td nowrap="nowrap" style="text-align: left"> </td><td nowrap="nowrap" style="text-align: right"> </td><td nowrap="nowrap" style="text-align: left"> </td><td nowrap="nowrap"> </td>
<td nowrap="nowrap" style="text-align: right">7,300</td>
<td> </td></tr>
<tr style="vertical-align: bottom; background-color: White">
<td nowrap="nowrap" style="padding-left: 5.4pt"> </td><td nowrap="nowrap"> </td>
<td nowrap="nowrap" style="text-align: left"> </td><td nowrap="nowrap" style="text-align: right"> </td><td nowrap="nowrap" style="text-align: left"> </td><td nowrap="nowrap"> </td>
<td nowrap="nowrap" style="text-align: left"> </td><td nowrap="nowrap" style="text-align: right"> </td><td nowrap="nowrap" style="text-align: left"> </td><td nowrap="nowrap"> </td>
<td nowrap="nowrap" style="text-align: left"> </td><td nowrap="nowrap" style="text-align: right"> </td><td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td> </td>
<td> </td></tr>
<tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
<td colspan="15" nowrap="nowrap" style="font-weight: bold; text-align: left; padding-left: 5.4pt">Financial Liabilities:</td>
<td> </td></tr>
<tr style="vertical-align: bottom; background-color: White">
<td nowrap="nowrap" style="text-align: left; padding-left: 5.4pt">Demand and savings deposits</td><td nowrap="nowrap"> </td>
<td nowrap="nowrap" style="text-align: left"> </td><td nowrap="nowrap" style="text-align: right"> </td><td nowrap="nowrap" style="text-align: left"> </td><td nowrap="nowrap"> </td>
<td nowrap="nowrap" style="text-align: left"> </td><td nowrap="nowrap" style="text-align: right">144,625</td><td nowrap="nowrap" style="text-align: left"> </td><td nowrap="nowrap"> </td>
<td nowrap="nowrap" style="text-align: left"> </td><td nowrap="nowrap" style="text-align: right"> </td><td nowrap="nowrap" style="text-align: left"> </td><td nowrap="nowrap"> </td>
<td nowrap="nowrap" style="text-align: right">144,625</td>
<td> </td></tr>
<tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
<td nowrap="nowrap" style="text-align: left; padding-left: 5.4pt">Time deposits</td><td nowrap="nowrap"> </td>
<td nowrap="nowrap" style="text-align: left"> </td><td nowrap="nowrap" style="text-align: right"> </td><td nowrap="nowrap" style="text-align: left"> </td><td nowrap="nowrap"> </td>
<td nowrap="nowrap" style="text-align: left"> </td><td nowrap="nowrap" style="text-align: right">201,074</td><td nowrap="nowrap" style="text-align: left"> </td><td nowrap="nowrap"> </td>
<td nowrap="nowrap" style="text-align: left"> </td><td nowrap="nowrap" style="text-align: right"> </td><td nowrap="nowrap" style="text-align: left"> </td><td nowrap="nowrap"> </td>
<td nowrap="nowrap" style="text-align: right">201,074</td>
<td> </td></tr>
<tr style="vertical-align: bottom; background-color: White">
<td nowrap="nowrap" style="text-align: left; padding-left: 5.4pt">Long term debt instruments</td><td nowrap="nowrap"> </td>
<td nowrap="nowrap" style="text-align: left"> </td><td nowrap="nowrap" style="text-align: right"> </td><td nowrap="nowrap" style="text-align: left"> </td><td nowrap="nowrap"> </td>
<td nowrap="nowrap" style="text-align: left"> </td><td nowrap="nowrap" style="text-align: right">11,667</td><td nowrap="nowrap" style="text-align: left"> </td><td nowrap="nowrap"> </td>
<td nowrap="nowrap" style="text-align: left"> </td><td nowrap="nowrap" style="text-align: right"> </td><td nowrap="nowrap" style="text-align: left"> </td><td nowrap="nowrap"> </td>
<td nowrap="nowrap" style="text-align: right">11,667</td>
<td> </td></tr>
<tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
<td nowrap="nowrap" style="text-align: left; padding-left: 5.4pt">Interest payable</td><td nowrap="nowrap"> </td>
<td nowrap="nowrap" style="text-align: left"> </td><td nowrap="nowrap" style="text-align: right"> </td><td nowrap="nowrap" style="text-align: left"> </td><td nowrap="nowrap"> </td>
<td nowrap="nowrap" style="text-align: left"> </td><td nowrap="nowrap" style="text-align: right">359</td><td nowrap="nowrap" style="text-align: left"> </td><td nowrap="nowrap"> </td>
<td nowrap="nowrap" style="text-align: left"> </td><td nowrap="nowrap" style="text-align: right"> </td><td nowrap="nowrap" style="text-align: left"> </td><td nowrap="nowrap"> </td>
<td nowrap="nowrap" style="text-align: right">359</td>
<td> </td></tr></table>
<p style="font: 10pt/11pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><font style="font-family: Times New Roman, Times, Serif">NOTE
ELEVEN:   SUBSEQUENT EVENTS</font></p>
<p style="font: 10pt/11pt Times New Roman, Times, Serif; margin: 0; text-align: justify"> </p>
<p style="font: 10pt/11pt Times New Roman, Times, Serif; margin: 0; text-align: justify">The Company evaluates subsequent events
that have occurred after the balance sheet, but before the financial statements are issued. There are two types of subsequent events:
(1) recognized, or those that provide additional evidence about conditions that existed at the date of the balance sheet, including
the estimates inherent in the process of preparing financial statements, and (2) non-recognized, or those that provide evidence
about conditions that did not exist at the date of the balance sheet but arose after that date.</p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"> </p>
<p style="font: 10pt/11pt Times New Roman, Times, Serif; margin: 0; text-align: justify">Based on management’s evaluation
through the date these financial statements were issued, the Company did not identify any recognized or non-recognized subsequent
events that would have required adjustment or disclosure in the consolidated financial statements.</p>
1336873
-14000
5000
682000
557000
9000
3000
<p style="margin-top: 0; margin-bottom: 0; margin-left: 0em; text-indent: 0em; text-align: justify"><font style="font: 10pt Times New Roman, Times, Serif">NOTE
NINE:   EMPLOYEE BENEFITS</font></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0"> </p>
<p style="font: 10pt/11pt Times New Roman, Times, Serif; margin: 0; text-align: justify">The Company's two subsidiary banks each
have separate retirement and profit sharing plans which cover substantially all full time employees at each bank.</p>
<p style="font: 10pt/11pt Times New Roman, Times, Serif; margin: 0; text-align: justify"> </p>
<p style="font: 10pt/11pt Times New Roman, Times, Serif; margin: 0; text-align: justify">Capon Valley Bank has a defined contribution
pension plan with 401(k) features that is funded with discretionary contributions by the Bank. The bank matches, on a limited basis,
the contributions of the employees. Investment of employee balances is done through the direction of each employee. Employer contributions
are vested over a six year period.</p>
<p style="font: 10pt/11pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><font style="letter-spacing: -0.1pt"> </font></p>
<p style="font: 10pt/11pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><font style="letter-spacing: -0.1pt">The
Grant County Bank is a member of the West Virginia Bankers' Association Retirement Plan. Benefits under the plan are based on compensation
and years of service with 100% vesting after seven years of service. </font>The Bank has recognized a liability of $1,510,000 at
March 31, 2012 for the unfunded portion of the plan. T<font style="letter-spacing: -0.1pt">he following table provides the components
of the net periodic benefit cost for the plan for the three month periods ended March 31, 2012 and 2011 (in thousands of dollars):</font></p>
<p style="font: 10pt/11pt Times New Roman, Times, Serif; margin: 0; text-align: justify"> </p>
<table cellpadding="0" cellspacing="0" style="border-collapse: collapse; width: 80%; font: 10pt Times New Roman, Times, Serif">
<tr style="vertical-align: bottom">
<td nowrap="nowrap"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td colspan="6" nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: center">Three Months ending</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td></tr>
<tr style="vertical-align: bottom">
<td nowrap="nowrap"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td colspan="6" nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: center">March 31,</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td></tr>
<tr style="vertical-align: bottom">
<td nowrap="nowrap"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt"> </td>
<td colspan="2" nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">2012</td><td nowrap="nowrap" style="padding-bottom: 1pt; font: 10pt Times New Roman, Times, Serif"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt"> </td>
<td colspan="2" nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: center; border-bottom: Black 1pt solid">2011</td><td nowrap="nowrap" style="padding-bottom: 1pt; font: 10pt Times New Roman, Times, Serif"> </td></tr>
<tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
<td nowrap="nowrap" style="width: 78%; font: 10pt Times New Roman, Times, Serif; text-align: left; padding-left: 5.4pt">Service cost</td><td nowrap="nowrap" style="width: 1%; font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">$</td><td nowrap="nowrap" style="width: 8%; font: 10pt Times New Roman, Times, Serif; text-align: right">48</td><td nowrap="nowrap" style="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="width: 1%; font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left">$</td><td nowrap="nowrap" style="width: 8%; font: 10pt Times New Roman, Times, Serif; text-align: right">51</td><td nowrap="nowrap" style="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: White">
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left; padding-left: 5.4pt">Interest cost</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">85</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">81</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left; padding-left: 5.4pt">Expected return on plan assets</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">(114</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left">)</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif"> </td>
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: right">(88</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left">)</td></tr>
<tr style="vertical-align: bottom; background-color: White">
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left; padding-bottom: 1pt; padding-left: 5.4pt">Recognized net actuarial loss</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt"> </td>
<td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right">52</td><td nowrap="nowrap" style="padding-bottom: 1pt; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt"> </td>
<td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: right">38</td><td nowrap="nowrap" style="padding-bottom: 1pt; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
<td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; text-align: left; padding-bottom: 2.5pt; padding-left: 5.4pt">Net periodic expense</td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 2.5pt"> </td>
<td nowrap="nowrap" style="border-bottom: Black 2.5pt double; font: 10pt Times New Roman, Times, Serif; text-align: left">$</td><td nowrap="nowrap" style="border-bottom: Black 2.5pt double; font: 10pt Times New Roman, Times, Serif; text-align: right">71</td><td nowrap="nowrap" style="padding-bottom: 2.5pt; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td><td nowrap="nowrap" style="font: 10pt Times New Roman, Times, Serif; padding-bottom: 2.5pt"> </td>
<td nowrap="nowrap" style="border-bottom: Black 2.5pt double; font: 10pt Times New Roman, Times, Serif; text-align: left">$</td><td nowrap="nowrap" style="border-bottom: Black 2.5pt double; font: 10pt Times New Roman, Times, Serif; text-align: right">82</td><td nowrap="nowrap" style="padding-bottom: 2.5pt; font: 10pt Times New Roman, Times, Serif; text-align: left"> </td></tr></table>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0"></p>
<p style="margin-top: 0; margin-bottom: 0; margin-left: 0em; text-indent: 0em; text-align: justify"><font style="font: 10pt Times New Roman, Times, Serif">NOTE
ONE:   ACCOUNTING PRINCIPLES</font></p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0"> </p>
<p style="font: 10pt Times New Roman, Times, Serif; margin: 0"></p>
<p style="font: 10pt/11pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><font style="letter-spacing: -0.1pt">The
consolidated financial statements conform to U. S. generally accepted accounting principles and to general industry practices.
In the opinion of management, the accompanying unaudited consolidated financial statements contain all adjustments, consisting
solely of normal recurring adjustments, necessary to present fairly the financial position as of March 31, 2012 and the results
of operations for the three month periods ended March 31, 2012 and 2011. </font></p>
<p style="font: 10pt/11pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><font style="letter-spacing: -0.1pt"> </font></p>
<p style="font: 10pt/11pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><font style="letter-spacing: -0.1pt">The
results of operations for the three month periods ended March 31, 2012 and 2011 are not necessarily indicative of the results to
be expected for the full year. </font></p>
<p style="font: 10pt/11pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><font style="letter-spacing: -0.1pt"> </font></p>
<p style="font: 10pt/11pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><font style="letter-spacing: -0.1pt">The
notes included herein should be read in conjunction with the notes to financial statements included in the Company’s 2011
annual report on Form 10-K. </font></p>
<p style="font: 10pt/11pt Times New Roman, Times, Serif; margin: 0; text-align: justify"> </p>
<p style="font: 10pt/11pt Times New Roman, Times, Serif; margin: 0; text-align: justify">Certain reclassifications have been made
to prior period balances to conform to the current year’s presentation format.</p>
<p style="font: 10pt/11pt Times New Roman, Times, Serif; margin: 0"> </p>