0000739421
2012-01-01
2012-03-31
0000739421
2011-06-30
0000739421
2012-05-02
0000739421
2012-03-31
0000739421
2011-12-31
0000739421
2011-01-01
2011-03-31
0000739421
2010-12-31
0000739421
2011-03-31
iso4217:USD
xbrli:shares
iso4217:USD
xbrli:shares
-595000
-439000
4612000
4949000
15445000
15313000
33000
63000
13794000
13669000
1.19
0.97
11837000
30432000
43995000
44554000
11835000
9960000
2271000
2722000
-192000
-189000
684000
598000
18990000
1114000
15000000
15000000
3132866
3132866
3133000
3133000
3112000
3380000
<div><div><div style="text-align: justify; text-indent: 0pt; display: block; font-family: Times New Roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Note 8 - Borrowings</div><div style="text-indent: 0pt; display: block;"> </div><div style="text-indent: 0pt; display: block;"><div style="text-align: left;"><table cellpadding="0" cellspacing="0" style="width: 80%; font-family: times new roman; font-size: 10pt;"><tr><td align="left" valign="bottom" style="width: 23%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="width: 13%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Securities</div></td><td valign="bottom" style="width: 10%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="width: 9%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="left" valign="bottom" style="width: 9%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="left" valign="bottom" style="width: 9%; display: inline; font-family: times new roman; font-size: 10pt;">  </td></tr><tr><td align="left" valign="bottom" style="width: 23%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="width: 13%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Sold Under</div></td><td valign="bottom" style="width: 10%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="width: 9%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="width: 9%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;"> </div></td><td valign="bottom" style="width: 9%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Total</div></td></tr><tr><td align="left" valign="bottom" style="width: 23%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="width: 13%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Agreements to</div></td><td valign="bottom" style="width: 10%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">FHLB</div></td><td valign="bottom" style="width: 9%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Notes</div></td><td valign="bottom" style="width: 9%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Term</div></td><td valign="bottom" style="width: 9%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Borrowed</div></td></tr><tr><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 23%; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="border-bottom: black 2px solid; width: 13%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Repurchase(a)</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Advances(b)</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Payable(c,d)</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Loans(e)</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Funds</div></td></tr><tr><td align="left" valign="bottom" style="width: 23%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">March 31, 2012</div></td><td align="left" valign="bottom" style="width: 13%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="left" valign="bottom" style="width: 10%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="left" valign="bottom" style="width: 9%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="left" valign="bottom" style="width: 9%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="left" valign="bottom" style="width: 9%; display: inline; font-family: times new roman; font-size: 10pt;">  </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 23%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Balance at March 31, 2012</div></td><td align="right" valign="bottom" style="width: 13%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;"> $                10,930</div></td><td align="right" valign="bottom" style="width: 10%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;"> $        19,338</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;"> $       7,500</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;"> $    35,000</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;"> $    72,768</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 23%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Highest balance at any month-end</div></td><td align="right" valign="bottom" style="width: 13%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">                   11,382</div></td><td align="right" valign="bottom" style="width: 10%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">           19,338</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">          7,500</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">       35,000</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">       73,220</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 23%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Average balance</div></td><td align="right" valign="bottom" style="width: 13%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">                   11,264</div></td><td align="right" valign="bottom" style="width: 10%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">             4,799</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">          7,500</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">       35,000</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">       58,563</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 23%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Weighted average interest rate:</div></td><td align="right" valign="bottom" style="width: 13%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="right" valign="bottom" style="width: 10%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="right" valign="bottom" style="width: 9%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="right" valign="bottom" style="width: 9%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="right" valign="bottom" style="width: 9%; display: inline; font-family: times new roman; font-size: 10pt;">  </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 23%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">    Paid during the period</div></td><td align="right" valign="bottom" style="width: 13%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">0.79%</div></td><td align="right" valign="bottom" style="width: 10%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">0.25%</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">5.87%</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">3.13%</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">2.84%</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 23%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">    As of period-end</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 13%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">0.82%</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">0.25%</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">5.87%</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">3.13%</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">2.29%</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 23%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">December 31, 2011</div></td><td align="left" valign="bottom" style="width: 13%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="left" valign="bottom" style="width: 10%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="left" valign="bottom" style="width: 9%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="left" valign="bottom" style="width: 9%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="left" valign="bottom" style="width: 9%; display: inline; font-family: times new roman; font-size: 10pt;">  </td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 23%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Balance at December 31, 2011</div></td><td align="right" valign="bottom" style="width: 13%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;"> $                11,382</div></td><td align="right" valign="bottom" style="width: 10%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;"> $                 -</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;"> $       7,500</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;"> $    35,000</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;"> $    53,882</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 23%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Highest balance at any month-end</div></td><td align="right" valign="bottom" style="width: 13%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">                   11,382</div></td><td align="right" valign="bottom" style="width: 10%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">                    -</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">          7,500</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">       39,000</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">       57,882</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 23%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Average balance</div></td><td align="right" valign="bottom" style="width: 13%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">                   10,484</div></td><td align="right" valign="bottom" style="width: 10%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">                    3</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">          7,500</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">       37,496</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">       55,483</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 23%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Weighted average interest rate:</div></td><td align="right" valign="bottom" style="width: 13%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="right" valign="bottom" style="width: 10%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="right" valign="bottom" style="width: 9%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="right" valign="bottom" style="width: 9%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="right" valign="bottom" style="width: 9%; display: inline; font-family: times new roman; font-size: 10pt;">  </td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 23%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">    Paid during the year</div></td><td align="right" valign="bottom" style="width: 13%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">0.82%</div></td><td align="right" valign="bottom" style="width: 10%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">0.68%</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">5.87%</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">3.22%</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">3.13%</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 23%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">    As of year-end</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 13%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">0.79%</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">0.00%</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">5.87%</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">3.13%</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">3.01%</div></td></tr></table></div><div style="text-indent: 0pt; display: block;"><br /></div><div style="text-align: justify; text-indent: 0pt; display: block; margin-left: 0pt; margin-right: 0pt;"><font style="display: inline; font-family: Times New Roman; font-size: 10pt;">(a)</font><font style="letter-spacing: 9pt; color: black;"> </font><font style="display: inline; font-family: Times New Roman; font-size: 10pt;">Securities sold under agreements to repurchase mature within 5 years. As of March 31, 2012 and December 31, 2011, repurchase agreements with original maturities of less than one year totaled $9,252,000 and $9,602,000, respectively. As of March 31, 2012 and December 31, 2011, repurchase agreements with original maturities greater than one year totaled $1,678,000 and $1,780,000, respectively. The carrying value of the underlying securities pledged at March 31, 2012 and December 31, 2011 was $15,291,000 and $15,631,000, respectively.</font></div><div style="text-align: justify; text-indent: 0pt; display: block; margin-left: 0pt; margin-right: 0pt;"> </div><div style="text-indent: 0pt; margin-left: 0pt;"><font style="display: inline; font-family: Times New Roman; font-size: 10pt;">(b)</font><font style="letter-spacing: 9pt; color: black;"> </font><font style="display: inline; font-family: Times New Roman; font-size: 10pt;">FHLB Advances consist of an "Open RepoPlus" agreement with the Federal Home Loan Bank of Pittsburgh. FHLB "Open RepoPlus" advances are short-term borrowings that bear interest based on the Federal Home Loan Bank discount rate or Federal Funds rate, whichever is higher.  The Company has a borrowing limit of $225,702,000, inclusive of any outstanding advances. FHLB advances are secured by a blanket security agreement that includes the Company's FHLB stock, as well as certain investment and mortgage-backed securities held in safekeeping at the FHLB and certain residential and commercial mortgage loans.  At March 31, 2012 and December 31, 2011, the approximate carrying value of the securities collateral was $10,713,000 and $11,196,000, respectively.</font></div><div style="text-align: justify; text-indent: 0pt; display: block; margin-left: 0pt; margin-right: 0pt;"> </div><div style="text-indent: 0pt; margin-left: 0pt;"><font style="display: inline; font-family: Times New Roman; font-size: 10pt;">(c)</font><font style="letter-spacing: 9pt; color: black;"> </font><font style="display: inline; font-family: Times New Roman; font-size: 10pt;">In December 2003, the Company formed a special purpose entity ("Entity") to issue $7,500,000 of floating rate obligated mandatory redeemable securities as part of a pooled offering.  The rate was determined quarterly and floated based on the 3 month LIBOR plus 2.80.   The Entity may redeem them, in whole or in part, at face value after December 17, 2008, and on a quarterly basis thereafter.  The Company borrowed the proceeds of the issuance from the Entity in December 2003 in the form of a $7,500,000 note payable.  Debt issue costs of $75,000 have been capitalized and fully amortized as of December 31, 2008.  Under current accounting rules, the Company's minority interest in the Entity was recorded at the initial investment amount and is included in the other assets section of the balance sheet.  The Entity is not consolidated as part of the Company's consolidated financial statements.</font></div><div style="text-align: justify; text-indent: 0pt; display: block; margin-left: 0pt; margin-right: 0pt;"> </div><div style="text-align: justify; text-indent: 0pt; display: block; margin-left: 0pt; margin-right: 0pt;"><font style="display: inline; font-family: Times New Roman; font-size: 10pt;">(d)</font><font style="letter-spacing: 9pt; color: black;"> </font><font style="display: inline; font-family: Times New Roman; font-size: 10pt;">In December, 2008, the Company entered into an interest rate swap agreement to convert floating-rate debt to fixed rate debt on a notional amount of $7,500,000. The interest rate swap instrument involves an agreement to receive a floating rate and pay a fixed rate, at specified intervals, calculated on the agreed-upon notional amount. The differentials paid or received on interest rate swap agreements are recognized as adjustments to interest expense in the period. The interest rate swap agreement was entered into on December 17, 2008 and expires December 17, 2013.  The fair value of the interest rate swap at March 31, 2012 and December 31, 2011 was a liability of $327,000 and $348,000, respectively, and is included within other liabilities on the consolidated balance sheets.</font></div><div style="text-align: justify; text-indent: 0pt; display: block; margin-left: 0pt; margin-right: 0pt;"> </div><div style="text-indent: 0pt; margin-left: 0pt;"><font style="display: inline; font-family: Times New Roman; font-size: 10pt;">(e)</font><font style="letter-spacing: 9pt; color: black;"> </font><font style="display: inline; font-family: Times New Roman; font-size: 10pt;">Term Loans consist of separate loans with a third party bank and the Federal Home Loan Bank of Pittsburgh as follows (<font style="font-style: italic; display: inline;">in thousands</font>):</font></div><div style="text-align: justify; text-indent: 0pt; display: block; margin-left: 0pt; margin-right: 0pt;"> </div><div style="text-align: left;"><table cellpadding="0" cellspacing="0" style="width: 40%; font-family: times new roman; font-size: 10pt;"><tr><td align="left" valign="bottom" style="width: 10%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="left" valign="bottom" style="width: 13%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="width: 10%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">March 31</div></td><td valign="bottom" style="width: 10%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">December 31,</div></td></tr><tr><td valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Interest Rate</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 13%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Maturity</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">2012</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">2011</div></td></tr><tr><td align="left" valign="bottom" style="width: 10%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Fixed:</div></td><td align="left" valign="bottom" style="width: 13%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="left" valign="bottom" style="width: 10%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="left" valign="bottom" style="width: 10%; display: inline; font-family: times new roman; font-size: 10pt;">  </td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="width: 10%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">3.57%</div></td><td align="left" valign="bottom" style="width: 13%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">May 7, 2012</div></td><td align="left" valign="bottom" style="width: 10%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">             2,000</div></td><td align="left" valign="bottom" style="width: 10%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">             2,000</div></td></tr><tr bgcolor="white"><td valign="bottom" style="width: 10%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">3.36%</div></td><td align="left" valign="bottom" style="width: 13%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">May 9, 2012</div></td><td align="left" valign="bottom" style="width: 10%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">             2,000</div></td><td align="left" valign="bottom" style="width: 10%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">             2,000</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="width: 10%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">3.89%</div></td><td align="left" valign="bottom" style="width: 13%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">September 5, 2012</div></td><td align="left" valign="bottom" style="width: 10%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">             1,000</div></td><td align="left" valign="bottom" style="width: 10%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">             1,000</div></td></tr><tr bgcolor="white"><td valign="bottom" style="width: 10%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">2.72%</div></td><td align="left" valign="bottom" style="width: 13%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">March 31, 2013</div></td><td align="left" valign="bottom" style="width: 10%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">             1,150</div></td><td align="left" valign="bottom" style="width: 10%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">             1,150</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="width: 10%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">2.58%</div></td><td align="left" valign="bottom" style="width: 13%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">April 28, 2013</div></td><td align="left" valign="bottom" style="width: 10%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">             2,000</div></td><td align="left" valign="bottom" style="width: 10%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">             2,000</div></td></tr><tr bgcolor="white"><td valign="bottom" style="width: 10%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">2.37%</div></td><td align="left" valign="bottom" style="width: 13%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">May 5, 2013</div></td><td align="left" valign="bottom" style="width: 10%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">             2,000</div></td><td align="left" valign="bottom" style="width: 10%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">             2,000</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="width: 10%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">3.75%</div></td><td align="left" valign="bottom" style="width: 13%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">May 6, 2013</div></td><td align="left" valign="bottom" style="width: 10%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">             2,000</div></td><td align="left" valign="bottom" style="width: 10%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">             2,000</div></td></tr><tr bgcolor="white"><td valign="bottom" style="width: 10%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">3.55%</div></td><td align="left" valign="bottom" style="width: 13%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">May 9, 2013</div></td><td align="left" valign="bottom" style="width: 10%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">             2,000</div></td><td align="left" valign="bottom" style="width: 10%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">             2,000</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="width: 10%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">2.26%</div></td><td align="left" valign="bottom" style="width: 13%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">May 15, 2013</div></td><td align="left" valign="bottom" style="width: 10%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">             1,650</div></td><td align="left" valign="bottom" style="width: 10%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">             1,650</div></td></tr><tr bgcolor="white"><td valign="bottom" style="width: 10%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">3.42%</div></td><td align="left" valign="bottom" style="width: 13%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">December 2, 2013</div></td><td align="left" valign="bottom" style="width: 10%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">             5,000</div></td><td align="left" valign="bottom" style="width: 10%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">             5,000</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="width: 10%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">3.52%</div></td><td align="left" valign="bottom" style="width: 13%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">December 5, 2013</div></td><td align="left" valign="bottom" style="width: 10%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">             5,000</div></td><td align="left" valign="bottom" style="width: 10%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">             5,000</div></td></tr><tr bgcolor="white"><td valign="bottom" style="width: 10%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">2.31%</div></td><td align="left" valign="bottom" style="width: 13%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">January 27, 2014</div></td><td align="left" valign="bottom" style="width: 10%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">             1,000</div></td><td align="left" valign="bottom" style="width: 10%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">             1,000</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="width: 10%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">2.80%</div></td><td align="left" valign="bottom" style="width: 13%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">April 17, 2014</div></td><td align="left" valign="bottom" style="width: 10%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">             3,200</div></td><td align="left" valign="bottom" style="width: 10%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">             3,200</div></td></tr><tr bgcolor="white"><td valign="bottom" style="width: 10%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">2.29%</div></td><td align="left" valign="bottom" style="width: 13%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">October 2, 2017</div></td><td align="left" valign="bottom" style="width: 10%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">             2,000</div></td><td align="left" valign="bottom" style="width: 10%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">             2,000</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="width: 10%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">2.72%</div></td><td align="left" valign="bottom" style="width: 13%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">July 12, 2018</div></td><td align="left" valign="bottom" style="width: 10%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">             1,000</div></td><td align="left" valign="bottom" style="width: 10%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">             1,000</div></td></tr><tr bgcolor="white"><td valign="bottom" style="padding-bottom: 2px; width: 10%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">3.52%</div></td><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 13%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">July 12, 2021</div></td><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">             2,000</div></td><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">             2,000</div></td></tr><tr bgcolor="#cceeff"><td bgcolor="transparent" valign="bottom" style="text-align: right; width: 10%; font-family: times new roman; font-size: 10pt;">  </td><td align="left" valign="bottom" style="border-bottom: black 4px double; width: 13%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Total term loans</div></td><td align="left" valign="bottom" style="border-bottom: black 4px double; width: 10%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;"> $        35,000</div></td><td align="left" valign="bottom" style="border-bottom: black 4px double; width: 10%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;"> $        35,000</div></td></tr></table></div><div style="text-indent: 0pt; display: block;"> </div><div style="text-indent: 0pt; display: block; font-family: Times New Roman; font-size: 10pt;">Following are maturities of borrowed funds as of March 31, 2012 (in thousands):</div><div style="text-indent: 0pt; display: block;"><br /></div><div style="text-align: left;"><table cellpadding="0" cellspacing="0" style="width: 35%; font-family: times new roman; font-size: 10pt;"><tr bgcolor="#cceeff"><td align="right" valign="bottom" style="width: 45%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">2012</div></td><td align="left" valign="bottom" style="width: 5%; display: inline; font-family: times new roman; font-size: 10pt;"> </td><td align="left" valign="bottom" style="width: 49%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;"> $                41,592</div></td></tr><tr bgcolor="white"><td align="right" valign="bottom" style="width: 45%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">2013</div></td><td align="left" valign="bottom" style="width: 5%; display: inline; font-family: times new roman; font-size: 10pt;"> </td><td align="left" valign="bottom" style="width: 49%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">                   20,800</div></td></tr><tr bgcolor="#cceeff"><td align="right" valign="bottom" style="width: 45%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">2014</div></td><td align="left" valign="bottom" style="width: 5%; display: inline; font-family: times new roman; font-size: 10pt;"> </td><td align="left" valign="bottom" style="width: 49%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">                     4,200</div></td></tr><tr bgcolor="white"><td align="right" valign="bottom" style="width: 45%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">2015</div></td><td align="left" valign="bottom" style="width: 5%; display: inline; font-family: times new roman; font-size: 10pt;"> </td><td align="left" valign="bottom" style="width: 49%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">                        642</div></td></tr><tr bgcolor="#cceeff"><td align="right" valign="bottom" style="width: 45%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">2016</div></td><td align="left" valign="bottom" style="width: 5%; display: inline; font-family: times new roman; font-size: 10pt;"> </td><td align="left" valign="bottom" style="width: 49%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">                        534</div></td></tr><tr bgcolor="white"><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 45%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Thereafter</div></td><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 5%; font-family: times new roman; font-size: 10pt;"> </td><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 49%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">                     5,000</div></td></tr><tr bgcolor="#cceeff"><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 45%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Total borrowed funds</div></td><td align="left" valign="bottom" style="border-bottom: black 4px double; width: 5%; font-family: times new roman; font-size: 10pt;"> </td><td align="left" valign="bottom" style="border-bottom: black 4px double; width: 49%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;"> $                72,768</div></td></tr></table></div></div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div></div>
42000
34000
742826000
733993000
653020000
648388000
89806000
85605000
105000
142000
<div><div style="text-align: left; text-indent: 0pt; display: block; margin-left: 0pt; margin-right: 0pt;"><font style="display: inline; font-family: Times New Roman; font-size: 10pt; font-weight: bold;">Note 6 - Federal Home Loan Bank Stock</font><br /></div><div style="text-align: justify; text-indent: 0pt; display: block; margin-left: 0pt; margin-right: 0pt;"> </div><div style="text-align: left; text-indent: 36pt; display: block; font-family: Times New Roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">The Bank is a member of the FHLB of Pittsburgh and as such, is required to maintain a minimum investment in stock of the FHLB that varies with the level of advances outstanding with the FHLB. As of March 31, 2012 and December 31, 2011, the Bank holds $4,407,000 and $3,027,000, respectively. The stock is bought from and sold to the FHLB based upon its $100 par value.  The stock does not have a readily determinable fair value and as such is classified as restricted stock, carried at cost and evaluated for by management.  The stock's value is determined by the ultimate recoverability of the par value rather than by recognizing temporary declines. The determination of whether the par value will ultimately be recovered is influenced by criteria such as the following: (a) The significance of the decline in net assets of the FHLB as compared to the capital stock amount and the length of time this situation has persisted (b) Commitments by the FHLB to make payments required by law or regulation and the level of such payments in relation to the operating performance (c) The impact of legislative and regulatory changes on the customer base of the FHLB and (d) The liquidity position of the FHLB.</div><div style="text-align: justify; text-indent: 0pt; display: block; margin-left: 0pt; margin-right: 0pt;"> </div><div style="text-align: left; text-indent: 36pt; display: block; font-family: Times New Roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">The FHLB has incurred a significant cumulative loss in regards to comprehensive income in the three years ended December 31, 2011 and had suspended the payment of dividends; however, due to improved results in 2011 and 2010 over 2009, a dividend was paid in February 2012.  The cumulative losses were primarily attributable to impairment of investment securities associated with the distressed economic conditions during 2008 and 2009.  Management evaluated the stock and concluded that the stock was not impaired for the periods presented herein.  Management considered that the FHLB's regulatory capital ratios have improved in the most recent quarters, liquidity appears adequate, and new shares of FHLB stock continue to exchange hands at the $100 par value and the FHLB has repurchased shares of excess capital stock from its members through the first quarter of 2012 and has reinstituted the dividend in 2012.</div></div>
1.19
0.97
<div><div style="text-align: left; text-indent: 0pt; display: block; font-family: Times New Roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Note 3 - Income Tax Expense</div><div style="text-indent: 0pt; display: block;"><br /></div><div style="text-align: left; text-indent: 36pt; display: block; font-family: Times New Roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Income tax expense is less than the amount calculated using the statutory tax rate, primarily as a result of tax-exempt income earned from state and municipal securities and loans and investments in tax credits.</div></div>
-25000
-175000
10256000
10256000
2000
20472000
2079000
2533000
413000
445000
1666000
2088000
7453000
6711000
5000
22000
954000
865000
1197000
1172000
4305000
3621000
<div><div><div style="text-align: left; text-indent: 0pt; display: block; font-family: Times New Roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Note 4 - Investments</div><div style="text-indent: 0pt; display: block;"><br /></div><div style="text-align: left; text-indent: 36pt; display: block; margin-left: 0pt; margin-right: 0pt;"><font style="display: inline; font-family: Times New Roman; font-size: 10pt;">The amortized cost and fair value of investment securities at March 31, 2012 and December 31, 2011 were as follows (in thousands):</font><br /></div><div style="text-indent: 0pt; display: block;"><br /></div><div style="text-align: left;"><table cellpadding="0" cellspacing="0" style="width: 90%; font-family: times new roman; font-size: 10pt;"><tr><td align="left" valign="bottom" style="width: 42%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;"> </td><td colspan="2" valign="bottom" style="width: 10%; display: inline; font-family: times new roman; font-size: 10pt;"> </td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;"> </td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt; font-weight: bold;"> </td><td colspan="2" valign="bottom" style="width: 10%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Gross</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt; font-weight: bold;"> </td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt; font-weight: bold;"> </td><td colspan="2" valign="bottom" style="width: 10%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Gross</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt; font-weight: bold;"> </td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;"> </td><td colspan="2" valign="bottom" style="width: 10%; display: inline; font-family: times new roman; font-size: 10pt;"> </td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;"> </td></tr><tr><td align="left" valign="bottom" style="width: 42%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt; font-weight: bold;"> </td><td colspan="2" valign="bottom" style="width: 10%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Amortized</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt; font-weight: bold;"> </td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt; font-weight: bold;"> </td><td colspan="2" valign="bottom" style="width: 10%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Unrealized</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt; font-weight: bold;"> </td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt; font-weight: bold;"> </td><td colspan="2" valign="bottom" style="width: 10%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Unrealized</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt; font-weight: bold;"> </td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt; font-weight: bold;"> </td><td colspan="2" valign="bottom" style="width: 10%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Fair</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt; font-weight: bold;"> </td></tr><tr><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 42%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">March 31, 2012</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 1%; font-family: times new roman; font-size: 10pt; font-weight: bold;"> </td><td colspan="2" valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Cost</div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: black 2px solid; text-align: left; width: 1%; font-family: times new roman; font-size: 10pt; font-weight: bold;"> </td><td valign="bottom" style="border-bottom: black 2px solid; width: 1%; font-family: times new roman; font-size: 10pt; font-weight: bold;"> </td><td colspan="2" valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Gains</div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: black 2px solid; text-align: left; width: 1%; font-family: times new roman; font-size: 10pt; font-weight: bold;"> </td><td valign="bottom" style="border-bottom: black 2px solid; width: 1%; font-family: times new roman; font-size: 10pt; font-weight: bold;"> </td><td colspan="2" valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Losses</div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: black 2px solid; text-align: left; width: 1%; font-family: times new roman; font-size: 10pt; font-weight: bold;"> </td><td valign="bottom" style="border-bottom: black 2px solid; width: 1%; font-family: times new roman; font-size: 10pt; font-weight: bold;"> </td><td colspan="2" valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Value</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; width: 1%; font-family: times new roman; font-size: 10pt; font-weight: bold;"> </td></tr><tr><td align="left" valign="bottom" style="width: 42%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Available-for-sale securities:</div></td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;"> </td><td align="left" colspan="2" valign="bottom" style="width: 10%; display: inline; font-family: times new roman; font-size: 10pt;"> </td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;"> </td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;"> </td><td align="left" colspan="2" valign="bottom" style="width: 10%; display: inline; font-family: times new roman; font-size: 10pt;"> </td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;"> </td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;"> </td><td align="left" colspan="2" valign="bottom" style="width: 10%; display: inline; font-family: times new roman; font-size: 10pt;"> </td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;"> </td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;"> </td><td align="left" colspan="2" valign="bottom" style="width: 10%; display: inline; font-family: times new roman; font-size: 10pt;"> </td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;"> </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 42%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">  U.S. Agency securities</div></td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt; font-weight: bold;"> </td><td valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt; font-weight: bold;">$</td><td valign="bottom" style="text-align: right; width: 9%; font-family: times new roman; font-size: 10pt; font-weight: bold;">172,233</td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt; font-weight: bold;"> </td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt; font-weight: bold;"> </td><td valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt; font-weight: bold;">$</td><td valign="bottom" style="text-align: right; width: 9%; font-family: times new roman; font-size: 10pt; font-weight: bold;">1,853</td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt; font-weight: bold;"> </td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt; font-weight: bold;"> </td><td valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt; font-weight: bold;">$</td><td valign="bottom" style="text-align: right; width: 9%; font-family: times new roman; font-size: 10pt; font-weight: bold;">(456</td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt; font-weight: bold;">)</td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt; font-weight: bold;"> </td><td valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt; font-weight: bold;">$</td><td valign="bottom" style="text-align: right; width: 9%; font-family: times new roman; font-size: 10pt; font-weight: bold;">173,630</td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt; font-weight: bold;"> </td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 42%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">  U.S. Treasury securities</div></td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt; font-weight: bold;"> </td><td valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt; font-weight: bold;"> </td><td valign="bottom" style="text-align: right; width: 9%; font-family: times new roman; font-size: 10pt; font-weight: bold;">3,916</td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt; font-weight: bold;"> </td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt; font-weight: bold;"> </td><td valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt; font-weight: bold;"> </td><td valign="bottom" style="text-align: right; width: 9%; font-family: times new roman; font-size: 10pt; font-weight: bold;">42</td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt; font-weight: bold;"> </td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt; font-weight: bold;"> </td><td valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt; font-weight: bold;"> </td><td valign="bottom" style="text-align: right; width: 9%; font-family: times new roman; font-size: 10pt; font-weight: bold;">-</td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt; font-weight: bold;"> </td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt; font-weight: bold;"> </td><td valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt; font-weight: bold;"> </td><td valign="bottom" style="text-align: right; width: 9%; font-family: times new roman; font-size: 10pt; font-weight: bold;">3,958</td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt; font-weight: bold;"> </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 42%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;"><font style="display: inline; font-family: times new roman; font-size: 10pt; font-weight: bold;">  Obligations of state and</font> political subdivisions</div></td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt; font-weight: bold;"> </td><td valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt; font-weight: bold;"> </td><td valign="bottom" style="text-align: right; width: 9%; font-family: times new roman; font-size: 10pt; font-weight: bold;">95,606</td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt; font-weight: bold;"> </td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt; font-weight: bold;"> </td><td valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt; font-weight: bold;"> </td><td valign="bottom" style="text-align: right; width: 9%; font-family: times new roman; font-size: 10pt; font-weight: bold;">5,170</td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt; font-weight: bold;"> </td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt; font-weight: bold;"> </td><td valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt; font-weight: bold;"> </td><td valign="bottom" style="text-align: right; width: 9%; font-family: times new roman; font-size: 10pt; font-weight: bold;">(10</td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt; font-weight: bold;">)</td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt; font-weight: bold;"> </td><td valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt; font-weight: bold;"> </td><td valign="bottom" style="text-align: right; width: 9%; font-family: times new roman; font-size: 10pt; font-weight: bold;">100,766</td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt; font-weight: bold;"> </td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 42%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">  Corporate obligations</div></td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt; font-weight: bold;"> </td><td valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt; font-weight: bold;"> </td><td valign="bottom" style="text-align: right; width: 9%; font-family: times new roman; font-size: 10pt; font-weight: bold;">10,843</td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt; font-weight: bold;"> </td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt; font-weight: bold;"> </td><td valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt; font-weight: bold;"> </td><td valign="bottom" style="text-align: right; width: 9%; font-family: times new roman; font-size: 10pt; font-weight: bold;">328</td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt; font-weight: bold;"> </td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt; font-weight: bold;"> </td><td valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt; font-weight: bold;"> </td><td valign="bottom" style="text-align: right; width: 9%; font-family: times new roman; font-size: 10pt; font-weight: bold;">(8</td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt; font-weight: bold;">)</td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt; font-weight: bold;"> </td><td valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt; font-weight: bold;"> </td><td valign="bottom" style="text-align: right; width: 9%; font-family: times new roman; font-size: 10pt; font-weight: bold;">11,163</td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt; font-weight: bold;"> </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 42%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;"><font style="display: inline; font-family: times new roman; font-size: 10pt; font-weight: bold;">  Mortgage-backed securities in</font> government sponsored entities</div></td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt; font-weight: bold;"> </td><td valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt; font-weight: bold;"> </td><td valign="bottom" style="text-align: right; width: 9%; font-family: times new roman; font-size: 10pt; font-weight: bold;">69,293</td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt; font-weight: bold;"> </td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt; font-weight: bold;"> </td><td valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt; font-weight: bold;"> </td><td valign="bottom" style="text-align: right; width: 9%; font-family: times new roman; font-size: 10pt; font-weight: bold;">2,330</td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt; font-weight: bold;"> </td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt; font-weight: bold;"> </td><td valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt; font-weight: bold;"> </td><td valign="bottom" style="text-align: right; width: 9%; font-family: times new roman; font-size: 10pt; font-weight: bold;">(226</td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt; font-weight: bold;">)</td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt; font-weight: bold;"> </td><td valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt; font-weight: bold;"> </td><td valign="bottom" style="text-align: right; width: 9%; font-family: times new roman; font-size: 10pt; font-weight: bold;">71,397</td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt; font-weight: bold;"> </td></tr><tr bgcolor="white"><td valign="bottom" style="border-bottom: black 2px solid; text-align: left; text-indent: 0pt; width: 42%; margin-left: 0pt; margin-right: 0pt;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Equity securities in financial institutions</div></td><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 1%; font-family: times new roman; font-size: 10pt; font-weight: bold;"> </td><td valign="bottom" style="border-bottom: black 2px solid; text-align: left; width: 1%; font-family: times new roman; font-size: 10pt; font-weight: bold;"> </td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 9%; font-family: times new roman; font-size: 10pt; font-weight: bold;">771</td><td nowrap="nowrap" valign="bottom" style="border-bottom: black 2px solid; text-align: left; width: 1%; font-family: times new roman; font-size: 10pt; font-weight: bold;"> </td><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 1%; font-family: times new roman; font-size: 10pt; font-weight: bold;"> </td><td valign="bottom" style="border-bottom: black 2px solid; text-align: left; width: 1%; font-family: times new roman; font-size: 10pt; font-weight: bold;"> </td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 9%; font-family: times new roman; font-size: 10pt; font-weight: bold;">463</td><td nowrap="nowrap" valign="bottom" style="border-bottom: black 2px solid; text-align: left; width: 1%; font-family: times new roman; font-size: 10pt; font-weight: bold;"> </td><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 1%; font-family: times new roman; font-size: 10pt; font-weight: bold;"> </td><td valign="bottom" style="border-bottom: black 2px solid; text-align: left; width: 1%; font-family: times new roman; font-size: 10pt; font-weight: bold;"> </td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 9%; font-family: times new roman; font-size: 10pt; font-weight: bold;">-</td><td nowrap="nowrap" valign="bottom" style="border-bottom: black 2px solid; text-align: left; width: 1%; font-family: times new roman; font-size: 10pt; font-weight: bold;"> </td><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 1%; font-family: times new roman; font-size: 10pt; font-weight: bold;"> </td><td valign="bottom" style="border-bottom: black 2px solid; text-align: left; width: 1%; font-family: times new roman; font-size: 10pt; font-weight: bold;"> </td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 9%; font-family: times new roman; font-size: 10pt; font-weight: bold;">1,234</td><td nowrap="nowrap" valign="bottom" style="border-bottom: black 2px solid; text-align: left; width: 1%; font-family: times new roman; font-size: 10pt; font-weight: bold;"> </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="border-bottom: black 4px double; width: 42%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Total available-for-sale securities</div></td><td align="left" valign="bottom" style="border-bottom: black 4px double; width: 1%; font-family: times new roman; font-size: 10pt; font-weight: bold;"> </td><td valign="bottom" style="border-bottom: black 4px double; text-align: left; width: 1%; font-family: times new roman; font-size: 10pt; font-weight: bold;">$</td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 9%; font-family: times new roman; font-size: 10pt; font-weight: bold;">352,662</td><td nowrap="nowrap" valign="bottom" style="border-bottom: black 4px double; text-align: left; width: 1%; font-family: times new roman; font-size: 10pt; font-weight: bold;"> </td><td align="left" valign="bottom" style="border-bottom: black 4px double; width: 1%; font-family: times new roman; font-size: 10pt; font-weight: bold;"> </td><td valign="bottom" style="border-bottom: black 4px double; text-align: left; width: 1%; font-family: times new roman; font-size: 10pt; font-weight: bold;">$</td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 9%; font-family: times new roman; font-size: 10pt; font-weight: bold;">10,186</td><td nowrap="nowrap" valign="bottom" style="border-bottom: black 4px double; text-align: left; width: 1%; font-family: times new roman; font-size: 10pt; font-weight: bold;"> </td><td align="left" valign="bottom" style="border-bottom: black 4px double; width: 1%; font-family: times new roman; font-size: 10pt; font-weight: bold;"> </td><td valign="bottom" style="border-bottom: black 4px double; text-align: left; width: 1%; font-family: times new roman; font-size: 10pt; font-weight: bold;">$</td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 9%; font-family: times new roman; font-size: 10pt; font-weight: bold;">(700</td><td nowrap="nowrap" valign="bottom" style="border-bottom: black 4px double; text-align: left; width: 1%; font-family: times new roman; font-size: 10pt; font-weight: bold;">)</td><td align="left" valign="bottom" style="border-bottom: black 4px double; width: 1%; font-family: times new roman; font-size: 10pt; font-weight: bold;"> </td><td valign="bottom" style="border-bottom: black 4px double; text-align: left; width: 1%; font-family: times new roman; font-size: 10pt; font-weight: bold;">$</td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 9%; font-family: times new roman; font-size: 10pt; font-weight: bold;">362,148</td><td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 4px; width: 1%; font-family: times new roman; font-size: 10pt; font-weight: bold;"> </td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 42%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;"> </td><td valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;"> </td><td valign="bottom" style="text-align: right; width: 9%; font-family: times new roman; font-size: 10pt;"> </td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;"> </td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;"> </td><td valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;"> </td><td valign="bottom" style="text-align: right; width: 9%; font-family: times new roman; font-size: 10pt;"> </td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;"> </td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;"> </td><td valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;"> </td><td valign="bottom" style="text-align: right; width: 9%; font-family: times new roman; font-size: 10pt;"> </td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;"> </td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;"> </td><td valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;"> </td><td valign="bottom" style="text-align: right; width: 9%; font-family: times new roman; font-size: 10pt;"> </td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;"> </td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 42%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;"> </td><td valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;"> </td><td valign="bottom" style="text-align: right; width: 9%; font-family: times new roman; font-size: 10pt;"> </td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;"> </td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;"> </td><td colspan="2" valign="bottom" style="width: 10%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Gross</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;"> </td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;"> </td><td colspan="2" valign="bottom" style="width: 10%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Gross</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;"> </td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;"> </td><td valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;"> </td><td valign="bottom" style="text-align: right; width: 9%; font-family: times new roman; font-size: 10pt;"> </td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;"> </td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 42%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;"> </td><td colspan="2" valign="bottom" style="width: 10%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Amortized</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;"> </td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;"> </td><td colspan="2" valign="bottom" style="width: 10%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Unrealized</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;"> </td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;"> </td><td colspan="2" valign="bottom" style="width: 10%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Unrealized</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;"> </td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;"> </td><td colspan="2" valign="bottom" style="width: 10%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Fair</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;"> </td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 42%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">December 31, 2011</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 1%; font-family: times new roman; font-size: 10pt;"> </td><td colspan="2" valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Cost</div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: black 2px solid; text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;"> </td><td valign="bottom" style="border-bottom: black 2px solid; width: 1%; font-family: times new roman; font-size: 10pt;"> </td><td colspan="2" valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Gains</div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: black 2px solid; text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;"> </td><td valign="bottom" style="border-bottom: black 2px solid; width: 1%; font-family: times new roman; font-size: 10pt;"> </td><td colspan="2" valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Losses</div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: black 2px solid; text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;"> </td><td valign="bottom" style="border-bottom: black 2px solid; width: 1%; font-family: times new roman; font-size: 10pt;"> </td><td colspan="2" valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Value</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; width: 1%; font-family: times new roman; font-size: 10pt;"> </td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 42%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Available-for-sale securities:</div></td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;"> </td><td valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;"> </td><td valign="bottom" style="text-align: right; width: 9%; font-family: times new roman; font-size: 10pt;"> </td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;"> </td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;"> </td><td valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;"> </td><td valign="bottom" style="text-align: right; width: 9%; font-family: times new roman; font-size: 10pt;"> </td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;"> </td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;"> </td><td valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;"> </td><td valign="bottom" style="text-align: right; width: 9%; font-family: times new roman; font-size: 10pt;"> </td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;"> </td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;"> </td><td valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;"> </td><td valign="bottom" style="text-align: right; width: 9%; font-family: times new roman; font-size: 10pt;"> </td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;"> </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 42%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">  U.S. Agency securities</div></td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;"> </td><td valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;">$</td><td valign="bottom" style="text-align: right; width: 9%; font-family: times new roman; font-size: 10pt;">166,534</td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;"> </td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;"> </td><td valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;">$</td><td valign="bottom" style="text-align: right; width: 9%; font-family: times new roman; font-size: 10pt;">2,087</td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;"> </td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;"> </td><td valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;">$</td><td valign="bottom" style="text-align: right; width: 9%; font-family: times new roman; font-size: 10pt;">(21</td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;">)</td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;"> </td><td valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;">$</td><td valign="bottom" style="text-align: right; width: 9%; font-family: times new roman; font-size: 10pt;">168,600</td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;"> </td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 42%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;"><font style="display: inline; font-family: times new roman; font-size: 10pt;">  Obligations of state and </font> political subdivisions</div></td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;"> </td><td valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;"> </td><td valign="bottom" style="text-align: right; width: 9%; font-family: times new roman; font-size: 10pt;">96,556</td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;"> </td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;"> </td><td valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;"> </td><td valign="bottom" style="text-align: right; width: 9%; font-family: times new roman; font-size: 10pt;">4,996</td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;"> </td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;"> </td><td valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;"> </td><td valign="bottom" style="text-align: right; width: 9%; font-family: times new roman; font-size: 10pt;">(5</td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;">)</td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;"> </td><td valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;"> </td><td valign="bottom" style="text-align: right; width: 9%; font-family: times new roman; font-size: 10pt;">101,547</td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;"> </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 42%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">  Corporate obligations</div></td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;"> </td><td valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;"> </td><td valign="bottom" style="text-align: right; width: 9%; font-family: times new roman; font-size: 10pt;">8,263</td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;"> </td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;"> </td><td valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;"> </td><td valign="bottom" style="text-align: right; width: 9%; font-family: times new roman; font-size: 10pt;">197</td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;"> </td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;"> </td><td valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;"> </td><td valign="bottom" style="text-align: right; width: 9%; font-family: times new roman; font-size: 10pt;">-</td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;"> </td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;"> </td><td valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;"> </td><td valign="bottom" style="text-align: right; width: 9%; font-family: times new roman; font-size: 10pt;">8,460</td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;"> </td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 42%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;"><font style="display: inline; font-family: times new roman; font-size: 10pt;">  Mortgage-backed securities in </font>government sponsored entities</div></td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;"> </td><td valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;"> </td><td valign="bottom" style="text-align: right; width: 9%; font-family: times new roman; font-size: 10pt;">36,630</td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;"> </td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;"> </td><td valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;"> </td><td valign="bottom" style="text-align: right; width: 9%; font-family: times new roman; font-size: 10pt;">2,356</td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;"> </td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;"> </td><td valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;"> </td><td valign="bottom" style="text-align: right; width: 9%; font-family: times new roman; font-size: 10pt;">(12</td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;">)</td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;"> </td><td valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;"> </td><td valign="bottom" style="text-align: right; width: 9%; font-family: times new roman; font-size: 10pt;">38,974</td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;"> </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 42%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">  Equity securities in financial institutions</div></td><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 1%; font-family: times new roman; font-size: 10pt;"> </td><td valign="bottom" style="border-bottom: black 2px solid; text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;"> </td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 9%; font-family: times new roman; font-size: 10pt;">823</td><td nowrap="nowrap" valign="bottom" style="border-bottom: black 2px solid; text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;"> </td><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 1%; font-family: times new roman; font-size: 10pt;"> </td><td valign="bottom" style="border-bottom: black 2px solid; text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;"> </td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 9%; font-family: times new roman; font-size: 10pt;">420</td><td nowrap="nowrap" valign="bottom" style="border-bottom: black 2px solid; text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;"> </td><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 1%; font-family: times new roman; font-size: 10pt;"> </td><td valign="bottom" style="border-bottom: black 2px solid; text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;"> </td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 9%; font-family: times new roman; font-size: 10pt;">(1</td><td nowrap="nowrap" valign="bottom" style="border-bottom: black 2px solid; text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;">)</td><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 1%; font-family: times new roman; font-size: 10pt;"> </td><td valign="bottom" style="border-bottom: black 2px solid; text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;"> </td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 9%; font-family: times new roman; font-size: 10pt;">1,242</td><td nowrap="nowrap" valign="bottom" style="border-bottom: black 2px solid; text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;"> </td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="border-bottom: black 4px double; width: 42%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Total available-for-sale securities</div></td><td align="left" valign="bottom" style="border-bottom: black 4px double; width: 1%; font-family: times new roman; font-size: 10pt;"> </td><td valign="bottom" style="border-bottom: black 4px double; text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;">$</td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 9%; font-family: times new roman; font-size: 10pt;">308,806</td><td nowrap="nowrap" valign="bottom" style="border-bottom: black 4px double; text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;"> </td><td align="left" valign="bottom" style="border-bottom: black 4px double; width: 1%; font-family: times new roman; font-size: 10pt;"> </td><td valign="bottom" style="border-bottom: black 4px double; text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;">$</td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 9%; font-family: times new roman; font-size: 10pt;">10,056</td><td nowrap="nowrap" valign="bottom" style="border-bottom: black 4px double; text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;"> </td><td align="left" valign="bottom" style="border-bottom: black 4px double; width: 1%; font-family: times new roman; font-size: 10pt;"> </td><td valign="bottom" style="border-bottom: black 4px double; text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;">$</td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 9%; font-family: times new roman; font-size: 10pt;">(39</td><td nowrap="nowrap" valign="bottom" style="border-bottom: black 4px double; text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;">)</td><td align="left" valign="bottom" style="border-bottom: black 4px double; width: 1%; font-family: times new roman; font-size: 10pt;"> </td><td valign="bottom" style="border-bottom: black 4px double; text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;">$</td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 9%; font-family: times new roman; font-size: 10pt;">318,823</td><td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 4px; width: 1%; font-family: times new roman; font-size: 10pt;"> </td></tr></table></div><div style="text-indent: 0pt; display: block;"> </div><div style="text-align: justify; text-indent: 36pt; display: block; font-family: Times New Roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">The following table shows the Company's gross unrealized losses and fair value of the Company's investments with unrealized losses that are not deemed to be other-than-temporarily impaired, aggregated by investment category and length of time, that the individual securities have been in a continuous unrealized loss position, at March 31, 2012 and December 31, 2011 (in thousands). As of March 31, 2012, the Company owned 31 securities whose fair value was less than their cost basis, respectively.</div><div style="text-indent: 0pt; display: block;"> </div><div style="text-align: left;"><table cellpadding="0" cellspacing="0" style="width: 100%; font-family: times new roman; font-size: 10pt;"><tr><td align="left" valign="bottom" style="border-bottom: black 2px solid;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">March 31, 2012</div></td><td valign="bottom" style="border-bottom: black 2px solid; font-family: times new roman; font-size: 10pt; font-weight: bold;"> </td><td colspan="6" valign="bottom" style="border-bottom: black 2px solid;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Less than Twelve Months</div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: black 2px solid; text-align: left; font-family: times new roman; font-size: 10pt; font-weight: bold;"> </td><td valign="bottom" style="border-bottom: black 2px solid; font-family: times new roman; font-size: 10pt; font-weight: bold;"> </td><td colspan="6" valign="bottom" style="border-bottom: black 2px solid;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Twelve Months or Greater</div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: black 2px solid; text-align: left; font-family: times new roman; font-size: 10pt; font-weight: bold;"> </td><td valign="bottom" style="border-bottom: black 2px solid; font-family: times new roman; font-size: 10pt; font-weight: bold;"> </td><td colspan="6" valign="bottom" style="border-bottom: black 2px solid;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Total</div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: black 2px solid; text-align: left; font-family: times new roman; font-size: 10pt; font-weight: bold;"> </td></tr><tr><td align="left" valign="bottom" style="display: inline; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="display: inline; font-family: times new roman; font-size: 10pt;"> </td><td colspan="2" valign="bottom" style="display: inline; font-family: times new roman; font-size: 10pt;"> </td><td nowrap="nowrap" valign="bottom" style="text-align: left; font-family: times new roman; font-size: 10pt;"> </td><td valign="bottom" style="display: inline; font-family: times new roman; font-size: 10pt; font-weight: bold;"> </td><td colspan="2" valign="bottom"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Gross</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; font-family: times new roman; font-size: 10pt; font-weight: bold;"> </td><td valign="bottom" style="display: inline; font-family: times new roman; font-size: 10pt;"> </td><td colspan="2" valign="bottom" style="display: inline; font-family: times new roman; font-size: 10pt;"> </td><td nowrap="nowrap" valign="bottom" style="text-align: left; font-family: times new roman; font-size: 10pt;"> </td><td valign="bottom" style="display: inline; font-family: times new roman; font-size: 10pt; font-weight: bold;"> </td><td colspan="2" valign="bottom"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Gross</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; font-family: times new roman; font-size: 10pt; font-weight: bold;"> </td><td valign="bottom" style="display: inline; font-family: times new roman; font-size: 10pt;"> </td><td colspan="2" valign="bottom" style="display: inline; font-family: times new roman; font-size: 10pt;"> </td><td nowrap="nowrap" valign="bottom" style="text-align: left; font-family: times new roman; font-size: 10pt;"> </td><td valign="bottom" style="display: inline; font-family: times new roman; font-size: 10pt; font-weight: bold;"> </td><td colspan="2" valign="bottom"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Gross</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; font-family: times new roman; font-size: 10pt; font-weight: bold;"> </td></tr><tr><td align="left" valign="bottom" style="display: inline; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="display: inline; font-family: times new roman; font-size: 10pt; font-weight: bold;"> </td><td colspan="2" valign="bottom"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Fair</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; font-family: times new roman; font-size: 10pt; font-weight: bold;"> </td><td valign="bottom" style="display: inline; font-family: times new roman; font-size: 10pt; font-weight: bold;"> </td><td colspan="2" valign="bottom"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Unrealized</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; font-family: times new roman; font-size: 10pt; font-weight: bold;"> </td><td valign="bottom" style="display: inline; font-family: times new roman; font-size: 10pt; font-weight: bold;"> </td><td colspan="2" valign="bottom"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Fair</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; font-family: times new roman; font-size: 10pt; font-weight: bold;"> </td><td valign="bottom" style="display: inline; font-family: times new roman; font-size: 10pt; font-weight: bold;"> </td><td colspan="2" valign="bottom"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Unrealized</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; font-family: times new roman; font-size: 10pt; font-weight: bold;"> </td><td valign="bottom" style="display: inline; font-family: times new roman; font-size: 10pt; font-weight: bold;"> </td><td colspan="2" valign="bottom"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Fair</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; font-family: times new roman; font-size: 10pt; font-weight: bold;"> </td><td valign="bottom" style="display: inline; font-family: times new roman; font-size: 10pt; font-weight: bold;"> </td><td colspan="2" valign="bottom"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Unrealized</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; font-family: times new roman; font-size: 10pt; font-weight: bold;"> </td></tr><tr><td align="left" valign="bottom" style="border-bottom: black 2px solid; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="border-bottom: black 2px solid; font-family: times new roman; font-size: 10pt; font-weight: bold;"> </td><td colspan="2" valign="bottom" style="border-bottom: black 2px solid;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Value</div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: black 2px solid; text-align: left; font-family: times new roman; font-size: 10pt; font-weight: bold;"> </td><td valign="bottom" style="border-bottom: black 2px solid; font-family: times new roman; font-size: 10pt; font-weight: bold;"> </td><td colspan="2" valign="bottom" style="border-bottom: black 2px solid;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Losses</div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: black 2px solid; text-align: left; font-family: times new roman; font-size: 10pt; font-weight: bold;"> </td><td valign="bottom" style="border-bottom: black 2px solid; font-family: times new roman; font-size: 10pt; font-weight: bold;"> </td><td colspan="2" valign="bottom" style="border-bottom: black 2px solid;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Value</div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: black 2px solid; text-align: left; font-family: times new roman; font-size: 10pt; font-weight: bold;"> </td><td valign="bottom" style="border-bottom: black 2px solid; font-family: times new roman; font-size: 10pt; font-weight: bold;"> </td><td colspan="2" valign="bottom" style="border-bottom: black 2px solid;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Losses</div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: black 2px solid; text-align: left; font-family: times new roman; font-size: 10pt; font-weight: bold;"> </td><td valign="bottom" style="border-bottom: black 2px solid; font-family: times new roman; font-size: 10pt; font-weight: bold;"> </td><td colspan="2" valign="bottom" style="border-bottom: black 2px solid;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Value</div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: black 2px solid; text-align: left; font-family: times new roman; font-size: 10pt; font-weight: bold;"> </td><td valign="bottom" style="border-bottom: black 2px solid; font-family: times new roman; font-size: 10pt; font-weight: bold;"> </td><td colspan="2" valign="bottom" style="border-bottom: black 2px solid;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Losses</div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: black 2px solid; text-align: left; font-family: times new roman; font-size: 10pt; font-weight: bold;"> </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 28%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">U.S. Agency securities</div></td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt; font-weight: bold;"> </td><td valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt; font-weight: bold;">$</td><td valign="bottom" style="text-align: right; width: 9%; font-family: times new roman; font-size: 10pt; font-weight: bold;">45,982</td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt; font-weight: bold;"> </td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt; font-weight: bold;"> </td><td valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt; font-weight: bold;">$</td><td valign="bottom" style="text-align: right; width: 9%; font-family: times new roman; font-size: 10pt; font-weight: bold;">(456</td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt; font-weight: bold;">)</td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt; font-weight: bold;"> </td><td valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt; font-weight: bold;">$</td><td valign="bottom" style="text-align: right; width: 9%; font-family: times new roman; font-size: 10pt; font-weight: bold;">-</td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt; font-weight: bold;"> </td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt; font-weight: bold;"> </td><td valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt; font-weight: bold;">$</td><td valign="bottom" style="text-align: right; width: 9%; font-family: times new roman; font-size: 10pt; font-weight: bold;">-</td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt; font-weight: bold;"> </td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt; font-weight: bold;"> </td><td valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt; font-weight: bold;">$</td><td valign="bottom" style="text-align: right; width: 9%; font-family: times new roman; font-size: 10pt; font-weight: bold;">45,982</td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt; font-weight: bold;"> </td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt; font-weight: bold;"> </td><td valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt; font-weight: bold;">$</td><td valign="bottom" style="text-align: right; width: 9%; font-family: times new roman; font-size: 10pt; font-weight: bold;">(456</td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt; font-weight: bold;">)</td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 28%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;"><font style="display: inline; font-family: times new roman; font-size: 10pt; font-weight: bold;">Obligations of state and</font> political subdivisions</div></td><td align="right" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt; font-weight: bold;"> </td><td valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt; font-weight: bold;"> </td><td valign="bottom" style="text-align: right; width: 9%; font-family: times new roman; font-size: 10pt; font-weight: bold;">520</td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt; font-weight: bold;"> </td><td align="right" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt; font-weight: bold;"> </td><td valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt; font-weight: bold;"> </td><td valign="bottom" style="text-align: right; width: 9%; font-family: times new roman; font-size: 10pt; font-weight: bold;">(10</td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt; font-weight: bold;">)</td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt; font-weight: bold;"> </td><td valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt; font-weight: bold;"> </td><td valign="bottom" style="text-align: right; width: 9%; font-family: times new roman; font-size: 10pt; font-weight: bold;">-</td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt; font-weight: bold;"> </td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt; font-weight: bold;"> </td><td valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt; font-weight: bold;"> </td><td valign="bottom" style="text-align: right; width: 9%; font-family: times new roman; font-size: 10pt; font-weight: bold;">-</td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt; font-weight: bold;"> </td><td align="right" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt; font-weight: bold;"> </td><td valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt; font-weight: bold;"> </td><td valign="bottom" style="text-align: right; width: 9%; font-family: times new roman; font-size: 10pt; font-weight: bold;">520</td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt; font-weight: bold;"> </td><td align="right" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt; font-weight: bold;"> </td><td valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt; font-weight: bold;"> </td><td valign="bottom" style="text-align: right; width: 9%; font-family: times new roman; font-size: 10pt; font-weight: bold;">(10</td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt; font-weight: bold;">)</td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 28%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Corporate obligations</div></td><td align="right" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt; font-weight: bold;"> </td><td valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt; font-weight: bold;"> </td><td valign="bottom" style="text-align: right; width: 9%; font-family: times new roman; font-size: 10pt; font-weight: bold;">2,611</td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt; font-weight: bold;"> </td><td align="right" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt; font-weight: bold;"> </td><td valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt; font-weight: bold;"> </td><td valign="bottom" style="text-align: right; width: 9%; font-family: times new roman; font-size: 10pt; font-weight: bold;">(8</td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt; font-weight: bold;">)</td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt; font-weight: bold;"> </td><td valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt; font-weight: bold;"> </td><td valign="bottom" style="text-align: right; width: 9%; font-family: times new roman; font-size: 10pt; font-weight: bold;">-</td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt; font-weight: bold;"> </td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt; font-weight: bold;"> </td><td valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt; font-weight: bold;"> </td><td valign="bottom" style="text-align: right; width: 9%; font-family: times new roman; font-size: 10pt; font-weight: bold;">-</td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt; font-weight: bold;"> </td><td align="right" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt; font-weight: bold;"> </td><td valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt; font-weight: bold;"> </td><td valign="bottom" style="text-align: right; width: 9%; font-family: times new roman; font-size: 10pt; font-weight: bold;">2,611</td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt; font-weight: bold;"> </td><td align="right" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt; font-weight: bold;"> </td><td valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt; font-weight: bold;"> </td><td valign="bottom" style="text-align: right; width: 9%; font-family: times new roman; font-size: 10pt; font-weight: bold;">(8</td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt; font-weight: bold;">)</td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 28%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;"><font style="display: inline; font-family: times new roman; font-size: 10pt; font-weight: bold;">Mortgage-backed securities in</font> government sponsored entities</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 1%; font-family: times new roman; font-size: 10pt; font-weight: bold;"> </td><td valign="bottom" style="border-bottom: black 2px solid; text-align: left; width: 1%; font-family: times new roman; font-size: 10pt; font-weight: bold;"> </td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 9%; font-family: times new roman; font-size: 10pt; font-weight: bold;">34,501</td><td nowrap="nowrap" valign="bottom" style="border-bottom: black 2px solid; text-align: left; width: 1%; font-family: times new roman; font-size: 10pt; font-weight: bold;"> </td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 1%; font-family: times new roman; font-size: 10pt; font-weight: bold;"> </td><td valign="bottom" style="border-bottom: black 2px solid; text-align: left; width: 1%; font-family: times new roman; font-size: 10pt; font-weight: bold;"> </td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 9%; font-family: times new roman; font-size: 10pt; font-weight: bold;">(226</td><td nowrap="nowrap" valign="bottom" style="border-bottom: black 2px solid; text-align: left; width: 1%; font-family: times new roman; font-size: 10pt; font-weight: bold;">)</td><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 1%; font-family: times new roman; font-size: 10pt; font-weight: bold;"> </td><td valign="bottom" style="border-bottom: black 2px solid; text-align: left; width: 1%; font-family: times new roman; font-size: 10pt; font-weight: bold;"> </td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 9%; font-family: times new roman; font-size: 10pt; font-weight: bold;">-</td><td nowrap="nowrap" valign="bottom" style="border-bottom: black 2px solid; text-align: left; width: 1%; font-family: times new roman; font-size: 10pt; font-weight: bold;"> </td><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 1%; font-family: times new roman; font-size: 10pt; font-weight: bold;"> </td><td valign="bottom" style="border-bottom: black 2px solid; text-align: left; width: 1%; font-family: times new roman; font-size: 10pt; font-weight: bold;"> </td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 9%; font-family: times new roman; font-size: 10pt; font-weight: bold;">-</td><td nowrap="nowrap" valign="bottom" style="border-bottom: black 2px solid; text-align: left; width: 1%; font-family: times new roman; font-size: 10pt; font-weight: bold;"> </td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 1%; font-family: times new roman; font-size: 10pt; font-weight: bold;"> </td><td valign="bottom" style="border-bottom: black 2px solid; text-align: left; width: 1%; font-family: times new roman; font-size: 10pt; font-weight: bold;"> </td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 9%; font-family: times new roman; font-size: 10pt; font-weight: bold;">34,501</td><td nowrap="nowrap" valign="bottom" style="border-bottom: black 2px solid; text-align: left; width: 1%; font-family: times new roman; font-size: 10pt; font-weight: bold;"> </td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 1%; font-family: times new roman; font-size: 10pt; font-weight: bold;"> </td><td valign="bottom" style="border-bottom: black 2px solid; text-align: left; width: 1%; font-family: times new roman; font-size: 10pt; font-weight: bold;"> </td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 9%; font-family: times new roman; font-size: 10pt; font-weight: bold;">(226</td><td nowrap="nowrap" valign="bottom" style="border-bottom: black 2px solid; text-align: left; width: 1%; font-family: times new roman; font-size: 10pt; font-weight: bold;">)</td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 28%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;"> </td><td valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;"> </td><td valign="bottom" style="text-align: right; width: 9%; font-family: times new roman; font-size: 10pt;"> </td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;"> </td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;"> </td><td valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;"> </td><td valign="bottom" style="text-align: right; width: 9%; font-family: times new roman; font-size: 10pt;"> </td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;"> </td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;"> </td><td valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;"> </td><td valign="bottom" style="text-align: right; width: 9%; font-family: times new roman; font-size: 10pt;"> </td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;"> </td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;"> </td><td valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;"> </td><td valign="bottom" style="text-align: right; width: 9%; font-family: times new roman; font-size: 10pt;"> </td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;"> </td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;"> </td><td valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;"> </td><td valign="bottom" style="text-align: right; width: 9%; font-family: times new roman; font-size: 10pt;"> </td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;"> </td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;"> </td><td valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;"> </td><td valign="bottom" style="text-align: right; width: 9%; font-family: times new roman; font-size: 10pt;"> </td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;"> </td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="border-bottom: black 4px double; width: 28%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">    Total securities</div></td><td align="left" valign="bottom" style="border-bottom: black 4px double; width: 1%; font-family: times new roman; font-size: 10pt; font-weight: bold;"> </td><td valign="bottom" style="border-bottom: black 4px double; text-align: left; width: 1%; font-family: times new roman; font-size: 10pt; font-weight: bold;">$</td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 9%; font-family: times new roman; font-size: 10pt; font-weight: bold;">83,614</td><td nowrap="nowrap" valign="bottom" style="border-bottom: black 4px double; text-align: left; width: 1%; font-family: times new roman; font-size: 10pt; font-weight: bold;"> </td><td align="left" valign="bottom" style="border-bottom: black 4px double; width: 1%; font-family: times new roman; font-size: 10pt; font-weight: bold;"> </td><td valign="bottom" style="border-bottom: black 4px double; text-align: left; width: 1%; font-family: times new roman; font-size: 10pt; font-weight: bold;">$</td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 9%; font-family: times new roman; font-size: 10pt; font-weight: bold;">(700</td><td nowrap="nowrap" valign="bottom" style="border-bottom: black 4px double; text-align: left; width: 1%; font-family: times new roman; font-size: 10pt; font-weight: bold;">)</td><td align="left" valign="bottom" style="border-bottom: black 4px double; width: 1%; font-family: times new roman; font-size: 10pt; font-weight: bold;"> </td><td valign="bottom" style="border-bottom: black 4px double; text-align: left; width: 1%; font-family: times new roman; font-size: 10pt; font-weight: bold;">$</td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 9%; font-family: times new roman; font-size: 10pt; font-weight: bold;">-</td><td nowrap="nowrap" valign="bottom" style="border-bottom: black 4px double; text-align: left; width: 1%; font-family: times new roman; font-size: 10pt; font-weight: bold;"> </td><td align="left" valign="bottom" style="border-bottom: black 4px double; width: 1%; font-family: times new roman; font-size: 10pt; font-weight: bold;"> </td><td valign="bottom" style="border-bottom: black 4px double; text-align: left; width: 1%; font-family: times new roman; font-size: 10pt; font-weight: bold;">$</td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 9%; font-family: times new roman; font-size: 10pt; font-weight: bold;">-</td><td nowrap="nowrap" valign="bottom" style="border-bottom: black 4px double; text-align: left; width: 1%; font-family: times new roman; font-size: 10pt; font-weight: bold;"> </td><td align="left" valign="bottom" style="border-bottom: black 4px double; width: 1%; font-family: times new roman; font-size: 10pt; font-weight: bold;"> </td><td valign="bottom" style="border-bottom: black 4px double; text-align: left; width: 1%; font-family: times new roman; font-size: 10pt; font-weight: bold;">$</td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 9%; font-family: times new roman; font-size: 10pt; font-weight: bold;">83,614</td><td nowrap="nowrap" valign="bottom" style="border-bottom: black 4px double; text-align: left; width: 1%; font-family: times new roman; font-size: 10pt; font-weight: bold;"> </td><td align="left" valign="bottom" style="border-bottom: black 4px double; width: 1%; font-family: times new roman; font-size: 10pt; font-weight: bold;"> </td><td valign="bottom" style="border-bottom: black 4px double; text-align: left; width: 1%; font-family: times new roman; font-size: 10pt; font-weight: bold;">$</td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 9%; font-family: times new roman; font-size: 10pt; font-weight: bold;">(700</td><td nowrap="nowrap" valign="bottom" style="border-bottom: black 4px double; text-align: left; width: 1%; font-family: times new roman; font-size: 10pt; font-weight: bold;">)</td></tr></table></div><div style="text-indent: 0pt; display: block;"><br /></div><div style="text-align: left;"><table cellpadding="0" cellspacing="0" style="width: 100%; font-family: times new roman; font-size: 10pt;"><tr><td align="left" valign="bottom" style="border-bottom: black 2px solid;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">December 31, 2011</div></td><td valign="bottom" style="border-bottom: black 2px solid; font-family: times new roman; font-size: 10pt;"> </td><td colspan="6" valign="bottom" style="border-bottom: black 2px solid;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Less than Twelve Months</div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: black 2px solid; text-align: left; font-family: times new roman; font-size: 10pt;"> </td><td valign="bottom" style="border-bottom: black 2px solid; font-family: times new roman; font-size: 10pt;"> </td><td colspan="6" valign="bottom" style="border-bottom: black 2px solid;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Twelve Months or Greater</div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: black 2px solid; text-align: left; font-family: times new roman; font-size: 10pt;"> </td><td valign="bottom" style="border-bottom: black 2px solid; font-family: times new roman; font-size: 10pt;"> </td><td colspan="6" valign="bottom" style="border-bottom: black 2px solid;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Total</div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: black 2px solid; text-align: left; font-family: times new roman; font-size: 10pt;"> </td></tr><tr><td align="left" valign="bottom" style="display: inline; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="display: inline; font-family: times new roman; font-size: 10pt;"> </td><td colspan="2" valign="bottom" style="display: inline; font-family: times new roman; font-size: 10pt;"> </td><td nowrap="nowrap" valign="bottom" style="text-align: left; font-family: times new roman; font-size: 10pt;"> </td><td valign="bottom" style="display: inline; font-family: times new roman; font-size: 10pt;"> </td><td colspan="2" valign="bottom"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Gross</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; font-family: times new roman; font-size: 10pt;"> </td><td valign="bottom" style="display: inline; font-family: times new roman; font-size: 10pt;"> </td><td colspan="2" valign="bottom" style="display: inline; font-family: times new roman; font-size: 10pt;"> </td><td nowrap="nowrap" valign="bottom" style="text-align: left; font-family: times new roman; font-size: 10pt;"> </td><td valign="bottom" style="display: inline; font-family: times new roman; font-size: 10pt;"> </td><td colspan="2" valign="bottom"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Gross</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; font-family: times new roman; font-size: 10pt;"> </td><td valign="bottom" style="display: inline; font-family: times new roman; font-size: 10pt;"> </td><td colspan="2" valign="bottom" style="display: inline; font-family: times new roman; font-size: 10pt;"> </td><td nowrap="nowrap" valign="bottom" style="text-align: left; font-family: times new roman; font-size: 10pt;"> </td><td valign="bottom" style="display: inline; font-family: times new roman; font-size: 10pt;"> </td><td colspan="2" valign="bottom"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Gross</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; font-family: times new roman; font-size: 10pt;"> </td></tr><tr><td align="left" valign="bottom" style="display: inline; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="display: inline; font-family: times new roman; font-size: 10pt;"> </td><td colspan="2" valign="bottom"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Fair</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; font-family: times new roman; font-size: 10pt;"> </td><td valign="bottom" style="display: inline; font-family: times new roman; font-size: 10pt;"> </td><td colspan="2" valign="bottom"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Unrealized</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; font-family: times new roman; font-size: 10pt;"> </td><td valign="bottom" style="display: inline; font-family: times new roman; font-size: 10pt;"> </td><td colspan="2" valign="bottom"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Fair</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; font-family: times new roman; font-size: 10pt;"> </td><td valign="bottom" style="display: inline; font-family: times new roman; font-size: 10pt;"> </td><td colspan="2" valign="bottom"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Unrealized</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; font-family: times new roman; font-size: 10pt;"> </td><td valign="bottom" style="display: inline; font-family: times new roman; font-size: 10pt;"> </td><td colspan="2" valign="bottom"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Fair</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; font-family: times new roman; font-size: 10pt;"> </td><td valign="bottom" style="display: inline; font-family: times new roman; font-size: 10pt;"> </td><td colspan="2" valign="bottom"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Unrealized</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; font-family: times new roman; font-size: 10pt;"> </td></tr><tr><td align="left" valign="bottom" style="border-bottom: black 2px solid; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="border-bottom: black 2px solid; font-family: times new roman; font-size: 10pt;"> </td><td colspan="2" valign="bottom" style="border-bottom: black 2px solid;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Value</div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: black 2px solid; text-align: left; font-family: times new roman; font-size: 10pt;"> </td><td valign="bottom" style="border-bottom: black 2px solid; font-family: times new roman; font-size: 10pt;"> </td><td colspan="2" valign="bottom" style="border-bottom: black 2px solid;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Losses</div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: black 2px solid; text-align: left; font-family: times new roman; font-size: 10pt;"> </td><td valign="bottom" style="border-bottom: black 2px solid; font-family: times new roman; font-size: 10pt;"> </td><td colspan="2" valign="bottom" style="border-bottom: black 2px solid;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Value</div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: black 2px solid; text-align: left; font-family: times new roman; font-size: 10pt;"> </td><td valign="bottom" style="border-bottom: black 2px solid; font-family: times new roman; font-size: 10pt;"> </td><td colspan="2" valign="bottom" style="border-bottom: black 2px solid;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Losses</div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: black 2px solid; text-align: left; font-family: times new roman; font-size: 10pt;"> </td><td valign="bottom" style="border-bottom: black 2px solid; font-family: times new roman; font-size: 10pt;"> </td><td colspan="2" valign="bottom" style="border-bottom: black 2px solid;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Value</div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: black 2px solid; text-align: left; font-family: times new roman; font-size: 10pt;"> </td><td valign="bottom" style="border-bottom: black 2px solid; font-family: times new roman; font-size: 10pt;"> </td><td colspan="2" valign="bottom" style="border-bottom: black 2px solid;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Losses</div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: black 2px solid; text-align: left; font-family: times new roman; font-size: 10pt;"> </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 28%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">U.S. Agency securities</div></td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;"> </td><td valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;">$</td><td valign="bottom" style="text-align: right; width: 9%; font-family: times new roman; font-size: 10pt;">10,018</td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;"> </td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;"> </td><td valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;">$</td><td valign="bottom" style="text-align: right; width: 9%; font-family: times new roman; font-size: 10pt;">(21</td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;">)</td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;"> </td><td valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;">$</td><td valign="bottom" style="text-align: right; width: 9%; font-family: times new roman; font-size: 10pt;">-</td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;"> </td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;"> </td><td valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;">$</td><td valign="bottom" style="text-align: right; width: 9%; font-family: times new roman; font-size: 10pt;">-</td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;"> </td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;"> </td><td valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;">$</td><td valign="bottom" style="text-align: right; width: 9%; font-family: times new roman; font-size: 10pt;">10,018</td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;"> </td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;"> </td><td valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;">$</td><td valign="bottom" style="text-align: right; width: 9%; font-family: times new roman; font-size: 10pt;">(21</td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;">)</td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 28%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;"><font style="display: inline; font-family: times new roman; font-size: 10pt;">Obligations of states and</font> political subdivisions</div></td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;"> </td><td valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;"> </td><td valign="bottom" style="text-align: right; width: 9%; font-family: times new roman; font-size: 10pt;">1,057</td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;"> </td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;"> </td><td valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;"> </td><td valign="bottom" style="text-align: right; width: 9%; font-family: times new roman; font-size: 10pt;">(3</td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;">)</td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;"> </td><td valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;"> </td><td valign="bottom" style="text-align: right; width: 9%; font-family: times new roman; font-size: 10pt;">771</td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;"> </td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;"> </td><td valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;"> </td><td valign="bottom" style="text-align: right; width: 9%; font-family: times new roman; font-size: 10pt;">(2</td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;">)</td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;"> </td><td valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;"> </td><td valign="bottom" style="text-align: right; width: 9%; font-family: times new roman; font-size: 10pt;">1,828</td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;"> </td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;"> </td><td valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;"> </td><td valign="bottom" style="text-align: right; width: 9%; font-family: times new roman; font-size: 10pt;">(5</td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;">)</td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 28%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;"><font style="display: inline; font-family: times new roman; font-size: 10pt;">Mortgage-backed securities in</font> government sponsored entities</div></td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;"> </td><td valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;"> </td><td valign="bottom" style="text-align: right; width: 9%; font-family: times new roman; font-size: 10pt;">3,164</td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;"> </td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;"> </td><td valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;"> </td><td valign="bottom" style="text-align: right; width: 9%; font-family: times new roman; font-size: 10pt;">(12</td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;">)</td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;"> </td><td valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;"> </td><td valign="bottom" style="text-align: right; width: 9%; font-family: times new roman; font-size: 10pt;">-</td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;"> </td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;"> </td><td valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;"> </td><td valign="bottom" style="text-align: right; width: 9%; font-family: times new roman; font-size: 10pt;">-</td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;"> </td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;"> </td><td valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;"> </td><td valign="bottom" style="text-align: right; width: 9%; font-family: times new roman; font-size: 10pt;">3,164</td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;"> </td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;"> </td><td valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;"> </td><td valign="bottom" style="text-align: right; width: 9%; font-family: times new roman; font-size: 10pt;">(12</td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;">)</td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 28%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Equity securities in financial institutions</div></td><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 1%; font-family: times new roman; font-size: 10pt;"> </td><td valign="bottom" style="border-bottom: black 2px solid; text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;"> </td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 9%; font-family: times new roman; font-size: 10pt;">39</td><td nowrap="nowrap" valign="bottom" style="border-bottom: black 2px solid; text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;"> </td><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 1%; font-family: times new roman; font-size: 10pt;"> </td><td valign="bottom" style="border-bottom: black 2px solid; text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;"> </td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 9%; font-family: times new roman; font-size: 10pt;">(1</td><td nowrap="nowrap" valign="bottom" style="border-bottom: black 2px solid; text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;">)</td><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 1%; font-family: times new roman; font-size: 10pt;"> </td><td valign="bottom" style="border-bottom: black 2px solid; text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;"> </td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 9%; font-family: times new roman; font-size: 10pt;">-</td><td nowrap="nowrap" valign="bottom" style="border-bottom: black 2px solid; text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;"> </td><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 1%; font-family: times new roman; font-size: 10pt;"> </td><td valign="bottom" style="border-bottom: black 2px solid; text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;"> </td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 9%; font-family: times new roman; font-size: 10pt;">-</td><td nowrap="nowrap" valign="bottom" style="border-bottom: black 2px solid; text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;"> </td><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 1%; font-family: times new roman; font-size: 10pt;"> </td><td valign="bottom" style="border-bottom: black 2px solid; text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;"> </td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 9%; font-family: times new roman; font-size: 10pt;">39</td><td nowrap="nowrap" valign="bottom" style="border-bottom: black 2px solid; text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;"> </td><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 1%; font-family: times new roman; font-size: 10pt;"> </td><td valign="bottom" style="border-bottom: black 2px solid; text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;"> </td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 9%; font-family: times new roman; font-size: 10pt;">(1</td><td nowrap="nowrap" valign="bottom" style="border-bottom: black 2px solid; text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;">)</td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 28%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;"> </td><td valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;"> </td><td valign="bottom" style="text-align: right; width: 9%; font-family: times new roman; font-size: 10pt;"> </td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;"> </td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;"> </td><td valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;"> </td><td valign="bottom" style="text-align: right; width: 9%; font-family: times new roman; font-size: 10pt;"> </td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;"> </td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;"> </td><td valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;"> </td><td valign="bottom" style="text-align: right; width: 9%; font-family: times new roman; font-size: 10pt;"> </td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;"> </td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;"> </td><td valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;"> </td><td valign="bottom" style="text-align: right; width: 9%; font-family: times new roman; font-size: 10pt;"> </td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;"> </td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;"> </td><td valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;"> </td><td valign="bottom" style="text-align: right; width: 9%; font-family: times new roman; font-size: 10pt;"> </td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;"> </td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;"> </td><td valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;"> </td><td valign="bottom" style="text-align: right; width: 9%; font-family: times new roman; font-size: 10pt;"> </td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;"> </td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="border-bottom: black 4px double; width: 28%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">    Total securities</div></td><td align="left" valign="bottom" style="border-bottom: black 4px double; width: 1%; font-family: times new roman; font-size: 10pt;"> </td><td valign="bottom" style="border-bottom: black 4px double; text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;">$</td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 9%; font-family: times new roman; font-size: 10pt;">14,278</td><td nowrap="nowrap" valign="bottom" style="border-bottom: black 4px double; text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;"> </td><td align="left" valign="bottom" style="border-bottom: black 4px double; width: 1%; font-family: times new roman; font-size: 10pt;"> </td><td valign="bottom" style="border-bottom: black 4px double; text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;">$</td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 9%; font-family: times new roman; font-size: 10pt;">(37</td><td nowrap="nowrap" valign="bottom" style="border-bottom: black 4px double; text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;">)</td><td align="left" valign="bottom" style="border-bottom: black 4px double; width: 1%; font-family: times new roman; font-size: 10pt;"> </td><td valign="bottom" style="border-bottom: black 4px double; text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;">$</td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 9%; font-family: times new roman; font-size: 10pt;">771</td><td nowrap="nowrap" valign="bottom" style="border-bottom: black 4px double; text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;"> </td><td align="left" valign="bottom" style="border-bottom: black 4px double; width: 1%; font-family: times new roman; font-size: 10pt;"> </td><td valign="bottom" style="border-bottom: black 4px double; text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;">$</td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 9%; font-family: times new roman; font-size: 10pt;">(2</td><td nowrap="nowrap" valign="bottom" style="border-bottom: black 4px double; text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;">)</td><td align="left" valign="bottom" style="border-bottom: black 4px double; width: 1%; font-family: times new roman; font-size: 10pt;"> </td><td valign="bottom" style="border-bottom: black 4px double; text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;">$</td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 9%; font-family: times new roman; font-size: 10pt;">15,049</td><td nowrap="nowrap" valign="bottom" style="border-bottom: black 4px double; text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;"> </td><td align="left" valign="bottom" style="border-bottom: black 4px double; width: 1%; font-family: times new roman; font-size: 10pt;"> </td><td valign="bottom" style="border-bottom: black 4px double; text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;">$</td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 9%; font-family: times new roman; font-size: 10pt;">(39</td><td nowrap="nowrap" valign="bottom" style="border-bottom: black 4px double; text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;">)</td></tr></table></div><div style="text-align: justify; text-indent: 0pt; display: block; margin-left: 0pt; margin-right: 0pt;"> </div><div style="text-align: left; text-indent: 36pt; display: block; font-family: Times New Roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">As of March 31, 2012, the Company's investment securities portfolio contained unrealized losses on agency securities issued or backed by the full faith and credit of the United States government or are generally viewed as having the implied guarantee of the U.S. government, obligations of states and political subdivisions, corporate obligations and  mortgage backed securities in government sponsored entities. For fixed maturity investments management considers whether the present value of cash flows expected to be collected are less than the security's amortized cost basis (the difference defined as the credit loss), the magnitude and duration of the decline, the reasons underlying the decline and the Company's intent to sell the security or whether it is more likely than not that the Company would be required to sell the security before its anticipated recovery in market value, to determine whether the loss in value is other than temporary. Once a decline in value is determined to be other than temporary, if the Company does not intend to sell the security, and it is more-likely-than-not that it will not be required to sell the security, before recovery of the security's amortized cost basis, the charge to earnings is limited to the amount of credit loss. Any remaining difference between fair value and amortized cost (the difference defined as the non-credit portion) is recognized in other comprehensive income, net of applicable taxes. Otherwise, the entire difference between fair value and amortized cost is charged to earnings. For equity securities where the fair value has been significantly below cost for one year, the Company's policy is to recognize an impairment loss unless sufficient evidence is available that the decline is not other than temporary and a recovery period can be predicted.  The Company has concluded that any impairment of its investment securities portfolio outlined in the above table is not other than temporary and is the result of interest rate changes, sector credit rating changes, or company-specific rating changes that are not expected to result in the non-collection of principal and interest during the period.</div><div style="text-align: justify; text-indent: 0pt; display: block; margin-left: 0pt; margin-right: 0pt;"> </div><div style="text-align: left; text-indent: 36pt; display: block; font-family: Times New Roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Proceeds from sales of securities available-for-sale for the three months ended March 31, 2012 and 2011 were $11,236,000 and $3,189,000, respectively.  The gross gains and losses were as follows (in thousands):</div><div style="text-indent: 0pt; display: block;"><br /></div><div style="text-align: left;"><table cellpadding="0" cellspacing="0" style="width: 80%; font-family: times new roman; font-size: 10pt;"><tr><td align="left" valign="bottom" style="width: 56%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;"> </td><td colspan="6" valign="bottom" style="width: 22%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Three Months Ended</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;"> </td></tr><tr><td align="left" valign="bottom" style="width: 56%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;"> </td><td colspan="6" valign="bottom" style="width: 22%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">March 31,</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;"> </td></tr><tr><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 56%; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="border-bottom: black 2px solid; width: 1%; font-family: times new roman; font-size: 10pt; font-weight: bold;"> </td><td colspan="2" valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">2012</div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: black 2px solid; text-align: left; width: 1%; font-family: times new roman; font-size: 10pt; font-weight: bold;"> </td><td valign="bottom" style="border-bottom: black 2px solid; width: 1%; font-family: times new roman; font-size: 10pt;"> </td><td colspan="2" valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">2011</div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: black 2px solid; text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;"> </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 56%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Gross gains</div></td><td align="right" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt; font-weight: bold;"> </td><td valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt; font-weight: bold;">$</td><td valign="bottom" style="text-align: right; width: 9%; font-family: times new roman; font-size: 10pt; font-weight: bold;">108</td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt; font-weight: bold;"> </td><td align="right" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;"> </td><td valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;">$</td><td valign="bottom" style="text-align: right; width: 9%; font-family: times new roman; font-size: 10pt;">149</td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;"> </td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 56%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Gross losses</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 1%; font-family: times new roman; font-size: 10pt; font-weight: bold;"> </td><td valign="bottom" style="border-bottom: black 2px solid; text-align: left; width: 1%; font-family: times new roman; font-size: 10pt; font-weight: bold;"> </td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 9%; font-family: times new roman; font-size: 10pt; font-weight: bold;">-</td><td nowrap="nowrap" valign="bottom" style="border-bottom: black 2px solid; text-align: left; width: 1%; font-family: times new roman; font-size: 10pt; font-weight: bold;"> </td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 1%; font-family: times new roman; font-size: 10pt;"> </td><td valign="bottom" style="border-bottom: black 2px solid; text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;"> </td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 9%; font-family: times new roman; font-size: 10pt;">(29</td><td nowrap="nowrap" valign="bottom" style="border-bottom: black 2px solid; text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;">)</td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="border-bottom: black 4px double; width: 56%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Net gains</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 1%; font-family: times new roman; font-size: 10pt; font-weight: bold;"> </td><td valign="bottom" style="border-bottom: black 4px double; text-align: left; width: 1%; font-family: times new roman; font-size: 10pt; font-weight: bold;">$</td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 9%; font-family: times new roman; font-size: 10pt; font-weight: bold;">108</td><td nowrap="nowrap" valign="bottom" style="border-bottom: black 4px double; text-align: left; width: 1%; font-family: times new roman; font-size: 10pt; font-weight: bold;"> </td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 1%; font-family: times new roman; font-size: 10pt;"> </td><td valign="bottom" style="border-bottom: black 4px double; text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;">$</td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 9%; font-family: times new roman; font-size: 10pt;">120</td><td nowrap="nowrap" valign="bottom" style="border-bottom: black 4px double; text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;"> </td></tr></table></div><div style="text-indent: 0pt; display: block;"> </div><div style="text-indent: 0pt; display: block;"><div style="text-align: left; text-indent: 36pt; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">Investment securities with an approximate carrying value of $174<font style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">.1 million</font> and $177<font style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">.9 million</font> at March 31, 2012 and December 31, 2011, respectively, were pledged to secure public funds and certain other deposits.</div><div style="text-align: left; text-indent: 36pt; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"> </div></div><div style="text-align: left; text-indent: 36pt; display: block; font-family: Times New Roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Expected maturities will differ from contractual maturities because borrowers may have the right to call or prepay obligations with or without call or prepayment penalties.   The amortized cost and fair value of debt securities at March 31, 2012, by contractual maturity, are shown below (in thousands):</div><div style="text-indent: 0pt; display: block;"><br /></div><div style="text-align: left;"><table cellpadding="0" cellspacing="0" style="width: 80%; font-family: times new roman; font-size: 10pt;"><tr><td align="left" valign="bottom" style="width: 56%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt; font-weight: bold;"> </td><td colspan="2" valign="bottom" style="width: 10%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Amortized</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt; font-weight: bold;"> </td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;"> </td><td colspan="2" valign="bottom" style="width: 10%; display: inline; font-family: times new roman; font-size: 10pt;"> </td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;"> </td></tr><tr><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 56%; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="border-bottom: black 2px solid; width: 1%; font-family: times new roman; font-size: 10pt; font-weight: bold;"> </td><td colspan="2" valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Cost</div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: black 2px solid; text-align: left; width: 1%; font-family: times new roman; font-size: 10pt; font-weight: bold;"> </td><td valign="bottom" style="border-bottom: black 2px solid; width: 1%; font-family: times new roman; font-size: 10pt; font-weight: bold;"> </td><td colspan="2" valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Fair Value</div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: black 2px solid; text-align: left; width: 1%; font-family: times new roman; font-size: 10pt; font-weight: bold;"> </td></tr><tr><td align="left" valign="bottom" style="width: 56%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Available-for-sale debt securities:</div></td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;"> </td><td align="left" colspan="2" valign="bottom" style="width: 10%; display: inline; font-family: times new roman; font-size: 10pt;"> </td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;"> </td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;"> </td><td align="left" colspan="2" valign="bottom" style="width: 10%; display: inline; font-family: times new roman; font-size: 10pt;"> </td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt;"> </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 56%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">  Due in one year or less</div></td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt; font-weight: bold;"> </td><td valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt; font-weight: bold;">$</td><td valign="bottom" style="text-align: right; width: 9%; font-family: times new roman; font-size: 10pt; font-weight: bold;">13,357</td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt; font-weight: bold;"> </td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt; font-weight: bold;"> </td><td valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt; font-weight: bold;">$</td><td valign="bottom" style="text-align: right; width: 9%; font-family: times new roman; font-size: 10pt; font-weight: bold;">13,556</td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt; font-weight: bold;"> </td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 56%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">  Due after one year through five years</div></td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt; font-weight: bold;"> </td><td valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt; font-weight: bold;"> </td><td valign="bottom" style="text-align: right; width: 9%; font-family: times new roman; font-size: 10pt; font-weight: bold;">81,125</td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt; font-weight: bold;"> </td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt; font-weight: bold;"> </td><td valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt; font-weight: bold;"> </td><td valign="bottom" style="text-align: right; width: 9%; font-family: times new roman; font-size: 10pt; font-weight: bold;">82,641</td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt; font-weight: bold;"> </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 56%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">  Due after five years through ten years</div></td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt; font-weight: bold;"> </td><td valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt; font-weight: bold;"> </td><td valign="bottom" style="text-align: right; width: 9%; font-family: times new roman; font-size: 10pt; font-weight: bold;">59,967</td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt; font-weight: bold;"> </td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt; font-weight: bold;"> </td><td valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt; font-weight: bold;"> </td><td valign="bottom" style="text-align: right; width: 9%; font-family: times new roman; font-size: 10pt; font-weight: bold;">60,783</td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; font-family: times new roman; font-size: 10pt; font-weight: bold;"> </td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 56%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">  Due after ten years</div></td><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 1%; font-family: times new roman; font-size: 10pt; font-weight: bold;"> </td><td valign="bottom" style="border-bottom: black 2px solid; text-align: left; width: 1%; font-family: times new roman; font-size: 10pt; font-weight: bold;"> </td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 9%; font-family: times new roman; font-size: 10pt; font-weight: bold;">197,442</td><td nowrap="nowrap" valign="bottom" style="border-bottom: black 2px solid; text-align: left; width: 1%; font-family: times new roman; font-size: 10pt; font-weight: bold;"> </td><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 1%; font-family: times new roman; font-size: 10pt; font-weight: bold;"> </td><td valign="bottom" style="border-bottom: black 2px solid; text-align: left; width: 1%; font-family: times new roman; font-size: 10pt; font-weight: bold;"> </td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 9%; font-family: times new roman; font-size: 10pt; font-weight: bold;">203,934</td><td nowrap="nowrap" valign="bottom" style="border-bottom: black 2px solid; text-align: left; width: 1%; font-family: times new roman; font-size: 10pt; font-weight: bold;"> </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="border-bottom: black 4px double; width: 56%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Total</div></td><td align="left" valign="bottom" style="border-bottom: black 4px double; width: 1%; font-family: times new roman; font-size: 10pt; font-weight: bold;"> </td><td valign="bottom" style="border-bottom: black 4px double; text-align: left; width: 1%; font-family: times new roman; font-size: 10pt; font-weight: bold;">$</td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 9%; font-family: times new roman; font-size: 10pt; font-weight: bold;">351,891</td><td nowrap="nowrap" valign="bottom" style="border-bottom: black 4px double; text-align: left; width: 1%; font-family: times new roman; font-size: 10pt; font-weight: bold;"> </td><td align="left" valign="bottom" style="border-bottom: black 4px double; width: 1%; font-family: times new roman; font-size: 10pt; font-weight: bold;"> </td><td valign="bottom" style="border-bottom: black 4px double; text-align: left; width: 1%; font-family: times new roman; font-size: 10pt; font-weight: bold;">$</td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 9%; font-family: times new roman; font-size: 10pt; font-weight: bold;">360,914</td><td nowrap="nowrap" valign="bottom" style="border-bottom: black 4px double; text-align: left; width: 1%; font-family: times new roman; font-size: 10pt; font-weight: bold;"> </td></tr></table></div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div></div>
2753000
2515000
825650000
797099000
909426000
878567000
7465000
7395000
362148000
318823000
26782000
23824000
-49490000
-26702000
4113000
3437000
8833000
23818000
3841000
-6384000
54000
41000
3449000
2830000
-18595000
559000
7558000
6936000
6545000
6487000
484747000
481022000
123000
250000
310000
390000
1129000
1204000
1843000
1619000
124000
121000
173000
157000
108000
120000
156000
140000
268000
157000
16000
15000
9637000
9469000
<div><div><div style="text-align: left; text-indent: 0pt; display: block; font-family: Times New Roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Note 1 - Basis of Presentation</div><div style="text-indent: 0pt; display: block;"><br /></div><div style="text-align: left; text-indent: 36pt; display: block; font-family: Times New Roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Citizens Financial Services, Inc., (individually and collectively with its direct and indirect subsidiaries, the "Company") is a Pennsylvania corporation organized as the holding company of its wholly owned subsidiary, First Citizens National Bank (the "Bank"), and the Bank's subsidiary, First Citizens Insurance Agency, Inc. ("First Citizens Insurance").</div><div style="text-indent: 0pt; display: block;"><br /></div><div style="text-align: left; text-indent: 36pt; display: block; font-family: Times New Roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">The accompanying consolidated financial statements have been prepared pursuant to rules and regulations of the Securities and Exchange Commission ("SEC") and in conformity with U.S. generally accepted accounting principles.  Because this report is based on an interim period, certain information and footnote disclosures normally included in financial statements prepared in accordance with U.S. generally accepted accounting principles have been condensed or omitted.  Certain of the prior year amounts have been reclassified to conform with the current year presentation.  Such reclassifications had no effect on net income or stockholders' equity.  All material inter-company balances and transactions have been eliminated in consolidation.</div><div style="text-indent: 0pt; display: block;"><br /></div><div style="text-align: left; text-indent: 36pt; display: block; font-family: Times New Roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">In the opinion of management of the Company, the accompanying interim financial statements for the periods ended March 31, 2012 and 2011 include all adjustments, consisting of only normal recurring adjustments, necessary for a fair presentation of the financial condition and the results of operations for the period.  In preparing the consolidated financial statements, management is required to make estimates and assumptions that affect the reported amounts of assets and liabilities as of the date of the balance sheet and revenues and expenses for the period. The financial performance reported for the Company for the three month period ended March 31, 2012 is not necessarily indicative of the results to be expected for the full year.  This information should be read in conjunction with the Company's Annual Report on Form 10-K for the year ended December 31, 2011.</div></div><div></div><div></div><div></div><div></div><div></div></div>
-108000
-120000
-37000
-41000
21000
60000
-7000
-20000
-424000
892000
144000
-303000
8736000
7712000
856000
752000
4404000
3045000
3000000
3000000
0
0
1.00
1.00
5000
5000
26048000
7557000
11236000
3189000
108000
81000
11582000
11702000
105000
225000
81628000
44025000
<div><div><div style="text-align: left; text-indent: 0pt; display: block; font-family: Times New Roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Note 5 - Loans</div><div style="text-indent: 0pt; display: block;"> </div><div style="text-indent: 0pt; display: block;"><div style="text-align: left; text-indent: 36pt; display: block; font-family: Times New Roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">The Company makes commercial, industrial, agricultural, residential, construction and consumer loans primarily to customers throughout North Central Pennsylvania and Southern New York.  Although the Company had a diversified loan portfolio at March 31, 2012 and December 31, 2011, a substantial portion of its debtors' ability to honor their contracts is dependent on the economic conditions within these regions. The following table summarizes the primary segments of the loan portfolio and the allowance for loan losses as of March 31, 2012 and December 31, 2011 (in thousands):</div><div style="text-indent: 0pt; display: block;"><br /></div><div style="text-align: left;"><table cellpadding="0" cellspacing="0" style="width: 60%; font-family: times new roman; font-size: 10pt;"><tr><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 27%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">March 31, 2012</div></td><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 2%; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="border-bottom: black 2px solid; width: 16%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Total Loans</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 13%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Individually evaluated for impairment</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 14%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Collectively evaluated for impairment</div></td></tr><tr><td align="left" valign="bottom" style="width: 27%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Real estate loans:</div></td><td align="left" valign="bottom" style="width: 2%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="left" valign="bottom" style="width: 16%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="left" valign="bottom" style="width: 13%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="left" valign="bottom" style="width: 14%; display: inline; font-family: times new roman; font-size: 10pt;">  </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 27%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">     Residential</div></td><td align="left" valign="bottom" style="width: 2%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="right" valign="bottom" style="width: 16%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;"> $                 183,703</div></td><td align="right" valign="bottom" style="width: 13%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;"> $                       93</div></td><td align="right" valign="bottom" style="width: 14%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;"> $                183,610</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 27%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">     Commercial and agricultural</div></td><td align="left" valign="bottom" style="width: 2%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="right" valign="bottom" style="width: 16%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">                    186,815</div></td><td align="right" valign="bottom" style="width: 13%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">                     8,374</div></td><td align="right" valign="bottom" style="width: 14%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">                   178,441</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 27%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">     Construction</div></td><td align="left" valign="bottom" style="width: 2%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="right" valign="bottom" style="width: 16%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">                        8,912</div></td><td align="right" valign="bottom" style="width: 13%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">                             -</div></td><td align="right" valign="bottom" style="width: 14%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">                       8,912</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 27%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Consumer</div></td><td align="left" valign="bottom" style="width: 2%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="right" valign="bottom" style="width: 16%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">                      10,405</div></td><td align="right" valign="bottom" style="width: 13%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">                             -</div></td><td align="right" valign="bottom" style="width: 14%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">                     10,405</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 27%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Commercial and other loans</div></td><td align="left" valign="bottom" style="width: 2%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="right" valign="bottom" style="width: 16%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">                      45,620</div></td><td align="right" valign="bottom" style="width: 13%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">                        459</div></td><td align="right" valign="bottom" style="width: 14%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">                     45,161</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 27%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">State and political subdivision loans</div></td><td align="left" valign="bottom" style="width: 2%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 16%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">                      55,837</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 13%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">                             -</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 14%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">                    55,837</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 27%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Total</div></td><td align="left" valign="bottom" style="width: 2%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="right" valign="bottom" style="width: 16%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">                    491,292</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 13%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;"> $                  8,926</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 14%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;"> $                482,366</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="padding-bottom: 2px; width: 27%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;"> Less allowance for loan losses</div></td><td align="left" valign="bottom" style="padding-bottom: 2px; width: 2%; font-family: times new roman; font-size: 10pt;">  </td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 16%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">                        6,545</div></td><td align="right" valign="bottom" style="padding-bottom: 2px; width: 13%; font-family: times new roman; font-size: 10pt;">  </td><td align="right" valign="bottom" style="padding-bottom: 2px; width: 14%; font-family: times new roman; font-size: 10pt;">  </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 27%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;"> Net loans</div></td><td align="left" valign="bottom" style="width: 2%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 16%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;"> $                 484,747</div></td><td align="right" valign="bottom" style="width: 13%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="right" valign="bottom" style="width: 14%; display: inline; font-family: times new roman; font-size: 10pt;">  </td></tr></table></div><div style="text-indent: 0pt; display: block;"><br /></div><div style="text-indent: 0pt; display: block;"> </div><div style="text-align: left;"><table cellpadding="0" cellspacing="0" style="width: 60%; font-family: times new roman; font-size: 10pt;"><tr><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 27%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">December 31, 2011</div></td><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 2%; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="border-bottom: black 2px solid; width: 16%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Total Loans</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 13%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Individually evaluated for impairment</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 14%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Collectively evaluated for impairment</div></td></tr><tr><td align="left" valign="bottom" style="width: 27%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Real estate loans:</div></td><td align="left" valign="bottom" style="width: 2%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="left" valign="bottom" style="width: 16%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="left" valign="bottom" style="width: 13%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="left" valign="bottom" style="width: 14%; display: inline; font-family: times new roman; font-size: 10pt;">  </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 27%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">     Residential</div></td><td align="left" valign="bottom" style="width: 2%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="right" valign="bottom" style="width: 16%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;"> $                 184,034</div></td><td align="right" valign="bottom" style="width: 13%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;"> $                       94</div></td><td align="right" valign="bottom" style="width: 14%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;"> $                183,940</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 27%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">     Commercial and agricultural</div></td><td align="left" valign="bottom" style="width: 2%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="right" valign="bottom" style="width: 16%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">                    185,050</div></td><td align="right" valign="bottom" style="width: 13%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">                     8,270</div></td><td align="right" valign="bottom" style="width: 14%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">                   176,780</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 27%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">     Construction</div></td><td align="left" valign="bottom" style="width: 2%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="right" valign="bottom" style="width: 16%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">                        8,481</div></td><td align="right" valign="bottom" style="width: 13%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">                             -</div></td><td align="right" valign="bottom" style="width: 14%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">                      8,481</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 27%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Consumer</div></td><td align="left" valign="bottom" style="width: 2%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="right" valign="bottom" style="width: 16%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">                      10,746</div></td><td align="right" valign="bottom" style="width: 13%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">                             -</div></td><td align="right" valign="bottom" style="width: 14%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">                     10,746</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 27%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Commercial and other loans</div></td><td align="left" valign="bottom" style="width: 2%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="right" valign="bottom" style="width: 16%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">                      44,299</div></td><td align="right" valign="bottom" style="width: 13%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">                        517</div></td><td align="right" valign="bottom" style="width: 14%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">                    43,782</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 27%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">State and political subdivision loans</div></td><td align="left" valign="bottom" style="width: 2%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 16%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">                      54,899</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 13%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">                             -</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 14%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">                    54,899</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 27%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Total</div></td><td align="left" valign="bottom" style="width: 2%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="right" valign="bottom" style="width: 16%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">                    487,509</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 13%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;"> $                  8,881</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 14%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;"> $                478,628</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="padding-bottom: 2px; width: 27%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;"> Less allowance for loan losses</div></td><td align="left" valign="bottom" style="padding-bottom: 2px; width: 2%; font-family: times new roman; font-size: 10pt;">  </td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 16%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">                        6,487</div></td><td align="right" valign="bottom" style="padding-bottom: 2px; width: 13%; font-family: times new roman; font-size: 10pt;">  </td><td align="right" valign="bottom" style="padding-bottom: 2px; width: 14%; font-family: times new roman; font-size: 10pt;">  </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 27%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;"> Net loans</div></td><td align="left" valign="bottom" style="width: 2%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 16%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;"> $                 481,022</div></td><td align="right" valign="bottom" style="width: 13%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="right" valign="bottom" style="width: 14%; display: inline; font-family: times new roman; font-size: 10pt;">  </td></tr></table></div><div style="text-indent: 0pt; display: block; font-family: Times New Roman; font-size: 10pt;"> </div><div style="text-indent: 0pt; display: block; font-family: Times New Roman; font-size: 10pt;">The segments of the Bank's loan portfolio are disaggregated into classes to a level that allows management to monitor risk and performance. Residential real estate mortgages consists primarily of 15 to 30 year first mortgages on residential real estate, while residential real estate home equities are installment loans or lines of credit secured by a mortgage which is often a second lien on residential real estate with terms of 15 years or less. Commercial real estate loans are business purpose loans secured by a mortgage on commercial real estate. Agricultural real estate loans are loans secured by a mortgage on real estate used in agriculture production. Construction real estate loans are loans secured by residential or commercial real estate used during the construction phase of residential and commercial projects. Consumer loans are typically unsecured or primarily secured by something other than real estate and overdraft lines of credit connected with customer deposit accounts. Commercial and other loans are loans for commercial purposes primarily secured by non-real estate collateral. Other agricultural loans are loans for agricultural purposes primarily secured by non-real estate collateral. State and political subdivisions are loans for state and local municipalities for capital and operating expenses or tax free loans used to finance commercial development.</div><div style="text-indent: 0pt; display: block; font-family: Times New Roman; font-size: 10pt;"> </div><div style="text-indent: 0pt; display: block; font-family: Times New Roman; font-size: 10pt;">Management considers commercial loans, other agricultural loans, commercial real estate loans and agricultural real estate loans which are 90 days or more past due to be impaired. Management will also consider a loan impaired based on other factors it becomes aware of, including the customer's results of operations and cash flows. These loans are analyzed to determine if it is probable that all amounts will not be collected according to the contractual terms of the loan agreement. If management determines that the value of the impaired loan is less than the recorded investment in the loan (net of previous charge-offs, deferred loan fees or costs and unamortized premium or discount), impairment is recognized through an allowance estimate or a charge-off to the allowance.</div><div style="text-indent: 0pt; display: block; font-family: Times New Roman; font-size: 10pt;"> </div><div style="text-indent: 0pt; display: block; font-family: Times New Roman; font-size: 10pt;">The following table includes the recorded investment unpaid principal balances and the associated allowance amount, if applicable for impaired financing receivables by class, (in thousands):</div><div style="text-indent: 0pt; display: block;"> </div><div style="text-align: left;"><table cellpadding="0" cellspacing="0" style="width: 70%; font-family: times new roman; font-size: 10pt;"><tr><td align="left" valign="bottom" style="width: 20%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="width: 8%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="width: 9%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Recorded</div></td><td valign="bottom" style="width: 9%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Recorded</div></td><td valign="bottom" style="width: 9%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="width: 9%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="width: 9%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="width: 9%; display: inline; font-family: times new roman; font-size: 10pt;">  </td></tr><tr><td align="left" valign="bottom" style="width: 20%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="width: 8%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Unpaid</div></td><td valign="bottom" style="width: 9%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Investment</div></td><td valign="bottom" style="width: 9%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Investment</div></td><td valign="bottom" style="width: 9%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Total</div></td><td valign="bottom" style="width: 9%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="width: 9%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Average</div></td><td valign="bottom" style="width: 9%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Interest</div></td></tr><tr><td align="left" valign="bottom" style="width: 20%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="width: 8%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Principal</div></td><td valign="bottom" style="width: 9%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">With No</div></td><td valign="bottom" style="width: 9%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">With</div></td><td valign="bottom" style="width: 9%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Recorded</div></td><td valign="bottom" style="width: 9%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Related</div></td><td valign="bottom" style="width: 9%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Recorded</div></td><td valign="bottom" style="width: 9%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Income</div></td></tr><tr><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 20%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">March 31, 2012</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 8%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Balance</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Allowance</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Allowance</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Investment</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Allowance</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Investment</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Recognized</div></td></tr><tr><td align="left" valign="bottom" style="width: 20%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Real estate loans:</div></td><td align="left" valign="bottom" style="width: 8%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="left" valign="bottom" style="width: 9%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="left" valign="bottom" style="width: 9%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="left" valign="bottom" style="width: 9%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="left" valign="bottom" style="width: 9%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="left" valign="bottom" style="width: 9%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="left" valign="bottom" style="width: 9%; display: inline; font-family: times new roman; font-size: 10pt;">  </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 20%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">     Mortgages</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;"> $           -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;"> $               -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;"> $               -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;"> $               -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;"> $             -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;"> $               -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;"> $                -</div></td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 20%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">     Home Equity</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">           93</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">               53</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">               40</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">               93</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">             15</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">               93</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">                  1</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: left; width: 20%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">     Commercial</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">      9,617</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">          5,514</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">          2,860</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">          8,374</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">           563</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">          8,228</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">                18</div></td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 20%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">     Agricultural</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">              -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">                  -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">                  -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">                  -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">                -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">                  -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">                   -</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: left; width: 20%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">     Construction</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">              -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">                  -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">                  -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">                  -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">                -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">                  -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">                   -</div></td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 20%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Consumer</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">              -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">                  -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">                  -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">                  -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">                -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">                  -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">                   -</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: left; width: 20%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Commercial and other loans</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">         505</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">               29</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">             430</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">             459</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">             23</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">             479</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">                   -</div></td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 20%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Other Agricultural Loans</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">              -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">                  -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">                  -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">                  -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">                -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">                  -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">                   -</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: left; width: 20%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">State and political</div></td><td valign="bottom" style="text-align: right; width: 8%; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="text-align: right; width: 9%; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="text-align: right; width: 9%; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="text-align: right; width: 9%; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="text-align: right; width: 9%; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="text-align: right; width: 9%; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="text-align: right; width: 9%; font-family: times new roman; font-size: 10pt;">  </td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; padding-bottom: 2px; width: 20%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">   subdivision loans</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 8%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">              -</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">                  -</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">                  -</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">                  -</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">                -</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">                  -</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">                   -</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: left; width: 20%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Total</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 8%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;"> $ 10,215</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;"> $       5,596</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;"> $       3,330</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;"> $       8,926</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;"> $        601</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;"> $       8,800</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;"> $             19</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 20%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="left" valign="bottom" style="width: 8%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="left" valign="bottom" style="width: 9%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="left" valign="bottom" style="width: 9%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="left" valign="bottom" style="width: 9%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="left" valign="bottom" style="width: 9%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="left" valign="bottom" style="width: 9%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="left" valign="bottom" style="width: 9%; display: inline; font-family: times new roman; font-size: 10pt;">  </td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 20%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="width: 8%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="width: 9%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Recorded</div></td><td valign="bottom" style="width: 9%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Recorded</div></td><td valign="bottom" style="width: 9%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="width: 9%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="width: 9%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="width: 9%; display: inline; font-family: times new roman; font-size: 10pt;">  </td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 20%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="width: 8%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Unpaid</div></td><td valign="bottom" style="width: 9%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Investment</div></td><td valign="bottom" style="width: 9%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Investment</div></td><td valign="bottom" style="width: 9%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Total</div></td><td valign="bottom" style="width: 9%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="width: 9%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Average</div></td><td valign="bottom" style="width: 9%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Interest</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 20%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="width: 8%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Principal</div></td><td valign="bottom" style="width: 9%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">With No</div></td><td valign="bottom" style="width: 9%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">With</div></td><td valign="bottom" style="width: 9%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Recorded</div></td><td valign="bottom" style="width: 9%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Related</div></td><td valign="bottom" style="width: 9%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Recorded</div></td><td valign="bottom" style="width: 9%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Income</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 20%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">December 31, 2011</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 8%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Balance</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Allowance</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Allowance</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Investment</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Allowance</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Investment</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Recognized</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 20%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Real estate loans:</div></td><td align="left" valign="bottom" style="width: 8%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="left" valign="bottom" style="width: 9%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="left" valign="bottom" style="width: 9%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="left" valign="bottom" style="width: 9%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="left" valign="bottom" style="width: 9%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="left" valign="bottom" style="width: 9%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="left" valign="bottom" style="width: 9%; display: inline; font-family: times new roman; font-size: 10pt;">  </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 20%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">     Mortgages</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;"> $           -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;"> $               -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;"> $               -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;"> $               -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;"> $             -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;"> $               -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;"> $                -</div></td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 20%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">     Home Equity</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">           94</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">               36</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">               58</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">               94</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">             13</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">               36</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">                  1</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: left; width: 20%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">     Commercial</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">      9,394</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">          5,663</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">          2,607</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">          8,270</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">           433</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">          8,585</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">                65</div></td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 20%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">     Agricultural</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">              -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">                  -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">                  -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">                  -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">                -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">             371</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">                37</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: left; width: 20%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">     Construction</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">              -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">                  -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">                  -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">                  -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">                -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">                  -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">                   -</div></td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 20%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Consumer</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">              -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">                  -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">                  -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">                  -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">                -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">                  -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">                   -</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: left; width: 20%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Commercial and other loans</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">         574</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">               30</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">             487</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">             517</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">             48</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">             501</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">                   -</div></td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 20%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Other Agricultural Loans</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">              -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">                  -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">                  -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">                  -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">                -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">             160</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">                20</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: left; width: 20%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">State and political</div></td><td valign="bottom" style="text-align: right; width: 8%; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="text-align: right; width: 9%; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="text-align: right; width: 9%; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="text-align: right; width: 9%; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="text-align: right; width: 9%; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="text-align: right; width: 9%; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="text-align: right; width: 9%; font-family: times new roman; font-size: 10pt;">  </td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; padding-bottom: 2px; width: 20%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">   subdivision loans</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 8%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">              -</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">                  -</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">                  -</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">                  -</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">                -</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">                  -</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">                   -</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: left; width: 20%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Total</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 8%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;"> $ 10,062</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;"> $       5,729</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;"> $       3,152</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;"> $       8,881</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;"> $        494</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;"> $       9,653</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;"> $           123</div></td></tr></table></div><div style="text-indent: 0pt; display: block;"><br /></div><div style="text-align: justify; text-indent: 0pt; display: block; font-family: Times New Roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Credit Quality Information</div><div style="text-indent: 0pt; display: block; font-family: Times New Roman; font-size: 10pt;"> </div><div style="text-indent: 0pt; display: block; font-family: Times New Roman; font-size: 10pt;">For commercial real estate, agricultural real estate, construction, commercial and other and other agricultural loans, management uses a nine point internal risk rating system to monitor the credit quality. The first five categories are considered not criticized and are aggregated as "Pass" rated. The criticized rating categories utilized by management generally follow bank regulatory definitions. The definitions of each rating are defined below:</div><div style="text-align: justify; text-indent: 0pt; display: block; margin-left: 0pt; margin-right: 0pt;"> </div><div style="text-align: justify; text-indent: 0pt; display: block; margin-left: 0pt; margin-right: 0pt;"><div style="text-align: left; margin-left: 63pt;"><table cellpadding="0" cellspacing="0" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt;"><tr><td style="width: 9pt; font-family: Symbol, serif; font-size: 10pt; vertical-align: top; align: right;">·</td><td style="width: auto; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; vertical-align: top;">Pass (Grades 1-5) - These loans are to customers with credit quality ranging from an acceptable to very high quality and are protected by the current net worth and paying capacity of the obligor or by the value of the underlying collateral.</td></tr></table></div><div style="text-align: justify; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"> </div><div style="text-align: left; margin-left: 63pt;"><table cellpadding="0" cellspacing="0" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt;"><tr><td style="width: 9pt; font-family: Symbol, serif; font-size: 10pt; vertical-align: top; align: right;">·</td><td style="width: auto; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; vertical-align: top;">Special Mention (Grade 6) - This loan grade is in accordance with regulatory guidance and includes loans where a potential weakness or risk exists, which could cause a more serious problem if not corrected.</td></tr></table></div><div style="text-align: justify; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"> </div><div style="text-align: left; margin-left: 63pt;"><table cellpadding="0" cellspacing="0" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt;"><tr><td style="width: 9pt; font-family: Symbol, serif; font-size: 10pt; vertical-align: top; align: right;">·</td><td style="width: auto; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; vertical-align: top;">Substandard (Grade 7) - This loan grade is in accordance with regulatory guidance and includes loans that have a well-defined weakness based on objective evidence and be characterized by the distinct possibility that the Bank will sustain some loss if the deficiencies are not corrected.</td></tr></table></div><div style="text-align: justify; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"> </div><div style="text-align: left; margin-left: 63pt;"><table cellpadding="0" cellspacing="0" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt;"><tr><td style="width: 9pt; font-family: Symbol, serif; font-size: 10pt; vertical-align: top; align: right;">·</td><td style="width: auto; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; vertical-align: top;">Doubtful (Grade 8) - This loan grade is in accordance with regulatory guidance and includes loans that have all the weaknesses inherent in a substandard asset. In addition, these weaknesses make collection or liquidation in full highly questionable and improbable, based on existing circumstances.</td></tr></table></div><div style="text-align: justify; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"> </div><div style="text-align: left; margin-left: 63pt;"><table cellpadding="0" cellspacing="0" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt;"><tr><td style="width: 9pt; font-family: Symbol, serif; font-size: 10pt; vertical-align: top; align: right;">·</td><td style="width: auto; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; vertical-align: top;">Loss (Grade 9) - This loan grade is in accordance with regulatory guidance and includes loans that are considered uncollectible, or of such value that continuance as an asset is not warranted.</td></tr></table></div><div style="text-align: left; margin-left: 63pt;"> </div></div><div style="text-indent: 0pt; display: block; font-family: Times New Roman; font-size: 10pt;">To help ensure that risk ratings are accurate and reflect the present and future capacity of borrowers to repay loan as agreed, the Bank's loan rating process includes several layers of internal and external oversight. The Company's loan officers are responsible for the timely and accurate risk rating of the loans in each of their portfolios at origination and on an ongoing basis under the supervision of management.  All commercial and agricultural loans are reviewed annually to ensure the appropriateness of the loan grade. In addition, the Bank engages an external consultant on at least an annual basis. The external consultant is engaged to 1) review a minimum of 60% of the dollar volume of the commercial loan portfolio on an annual basis, 2) review new loans originated in the last year, 3) review all relationships in aggregate over $500,000, 4) review all aggregate loan relationships over $100,000 which are over 90 days past due, classified Special Mention, Substandard, Doubtful, or Loss, and 5) such other loans which management or the consultant deems appropriate.</div><div style="text-indent: 0pt; display: block; font-family: Times New Roman; font-size: 10pt;"> </div><div style="text-indent: 0pt; display: block; font-family: Times New Roman; font-size: 10pt;">The following tables represent credit exposures by internally assigned grades as of March 31, 2012 and December 31, 2011 (in thousands):</div><div style="text-indent: 0pt; display: block;"><br /></div><div style="text-align: left;"><table cellpadding="0" cellspacing="0" style="width: 80%; font-family: times new roman; font-size: 10pt;"><tr><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 20%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;"> <font style="display: inline; font-weight: bold;">March 31, 2012</font></div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 12%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Pass</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 12%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Special Mention</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 14%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Substandard</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 11%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Doubtful</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Loss</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 12%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Ending Balance</div></td></tr><tr><td align="left" valign="bottom" style="width: 20%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Real estate loans:</div></td><td align="left" valign="bottom" style="width: 12%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="left" valign="bottom" style="width: 12%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="left" valign="bottom" style="width: 14%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="left" valign="bottom" style="width: 11%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="left" valign="bottom" style="width: 9%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="left" valign="bottom" style="width: 12%; display: inline; font-family: times new roman; font-size: 10pt;">  </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 20%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">     Commercial</div></td><td align="right" valign="bottom" style="width: 12%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;"> $          141,407</div></td><td align="right" valign="bottom" style="width: 12%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;"> $           9,272</div></td><td align="right" valign="bottom" style="width: 14%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;"> $                  16,905</div></td><td align="right" valign="bottom" style="width: 11%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;"> $                   -</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;"> $              -</div></td><td align="right" valign="bottom" style="width: 12%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;"> $          167,584</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 20%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">     Agricultural</div></td><td align="right" valign="bottom" style="width: 12%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">               14,676</div></td><td align="right" valign="bottom" style="width: 12%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">              2,394</div></td><td align="right" valign="bottom" style="width: 14%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">                       2,161</div></td><td align="right" valign="bottom" style="width: 11%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">                      -</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">                 -</div></td><td align="right" valign="bottom" style="width: 12%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">               19,231</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 20%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">     Construction</div></td><td align="right" valign="bottom" style="width: 12%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">                 8,912</div></td><td align="right" valign="bottom" style="width: 12%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">                      -</div></td><td align="right" valign="bottom" style="width: 14%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">                              -</div></td><td align="right" valign="bottom" style="width: 11%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">                      -</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">                 -</div></td><td align="right" valign="bottom" style="width: 12%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">                 8,912</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 20%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Commercial and other loans</div></td><td align="right" valign="bottom" style="width: 12%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">               36,730</div></td><td align="right" valign="bottom" style="width: 12%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">              1,629</div></td><td align="right" valign="bottom" style="width: 14%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">                          907</div></td><td align="right" valign="bottom" style="width: 11%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">                   17</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">                 -</div></td><td align="right" valign="bottom" style="width: 12%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">               39,283</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 20%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Other Agricultural Loans</div></td><td align="right" valign="bottom" style="width: 12%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">                 4,361</div></td><td align="right" valign="bottom" style="width: 12%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">                 770</div></td><td align="right" valign="bottom" style="width: 14%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">                       1,206</div></td><td align="right" valign="bottom" style="width: 11%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">                      -</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">                 -</div></td><td align="right" valign="bottom" style="width: 12%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">                 6,337</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 20%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">State and political</div></td><td align="right" valign="bottom" style="width: 12%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="right" valign="bottom" style="width: 12%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="right" valign="bottom" style="width: 14%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="right" valign="bottom" style="width: 11%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="right" valign="bottom" style="width: 9%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="right" valign="bottom" style="width: 12%; display: inline; font-family: times new roman; font-size: 10pt;">  </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="padding-bottom: 2px; width: 20%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">   subdivision loans</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 12%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">               54,690</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 12%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">                      -</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 14%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">                       1,147</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 11%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">                      -</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">                 -</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 12%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">               55,837</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 20%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Total</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 12%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;"> $          260,776</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 12%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;"> $         14,065</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 14%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;"> $                  22,326</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 11%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;"> $                17</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;"> $              -</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 12%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;"> $          297,184</div></td></tr></table></div><div style="text-indent: 0pt; display: block;"><br /></div><div style="text-indent: 0pt; display: block;"><br /></div><div style="text-align: left;"><table cellpadding="0" cellspacing="0" style="width: 80%; font-family: times new roman; font-size: 10pt;"><tr><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 19%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;"> December 31, 2011</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 12%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Pass</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 11%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Special Mention</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 14%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Substandard</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 11%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Doubtful</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Loss</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 12%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Ending Balance</div></td></tr><tr><td align="left" valign="bottom" style="width: 19%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Real estate loans:</div></td><td align="left" valign="bottom" style="width: 12%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="left" valign="bottom" style="width: 11%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="left" valign="bottom" style="width: 14%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="left" valign="bottom" style="width: 11%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="left" valign="bottom" style="width: 9%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="left" valign="bottom" style="width: 12%; display: inline; font-family: times new roman; font-size: 10pt;">  </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 19%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">     Commercial</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;"> $          138,409</div></td><td valign="bottom" style="text-align: right; width: 11%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;"> $         10,372</div></td><td valign="bottom" style="text-align: right; width: 14%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;"> $                  17,045</div></td><td valign="bottom" style="text-align: right; width: 11%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;"> $                   -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;"> $              -</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;"> $          165,826</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 19%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">     Agricultural</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">               14,628</div></td><td valign="bottom" style="text-align: right; width: 11%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">              2,412</div></td><td valign="bottom" style="text-align: right; width: 14%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">                       2,184</div></td><td valign="bottom" style="text-align: right; width: 11%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">                      -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">                 -</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">               19,224</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: left; width: 19%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">     Construction</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">                 8,481</div></td><td valign="bottom" style="text-align: right; width: 11%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">                      -</div></td><td valign="bottom" style="text-align: right; width: 14%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">                              -</div></td><td valign="bottom" style="text-align: right; width: 11%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">                      -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">                 -</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">                 8,481</div></td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 19%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Commercial and other loans</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">               34,606</div></td><td valign="bottom" style="text-align: right; width: 11%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">              2,203</div></td><td valign="bottom" style="text-align: right; width: 14%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">                          921</div></td><td valign="bottom" style="text-align: right; width: 11%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">                   17</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">                 -</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">               37,747</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: left; width: 19%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Other Agricultural Loans</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">                 4,509</div></td><td valign="bottom" style="text-align: right; width: 11%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">                 809</div></td><td valign="bottom" style="text-align: right; width: 14%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">                       1,234</div></td><td valign="bottom" style="text-align: right; width: 11%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">                      -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">                 -</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">                 6,552</div></td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 19%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">State and political</div></td><td valign="bottom" style="text-align: right; width: 12%; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="text-align: right; width: 11%; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="text-align: right; width: 14%; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="text-align: right; width: 11%; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="text-align: right; width: 9%; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="text-align: right; width: 12%; font-family: times new roman; font-size: 10pt;">  </td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: left; padding-bottom: 2px; width: 19%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">   subdivision loans</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 12%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">               53,733</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 11%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">                      -</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 14%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">                       1,166</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 11%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">                      -</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">                 -</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 12%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">               54,899</div></td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 19%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Total</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 12%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;"> $          254,366</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 11%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;"> $         15,796</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 14%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;"> $                  22,550</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 11%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;"> $                17</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;"> $              -</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 12%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;"> $          292,729</div></td></tr></table></div><div style="text-indent: 0pt; display: block; font-family: Times New Roman; font-size: 10pt;"> </div><div style="text-indent: 0pt; display: block; font-family: Times New Roman; font-size: 10pt;">For residential real estate mortgages, home equities and consumer loans, credit quality is monitored based on whether the loan is performing or non-performing, which is typically based on the aging status of the loan and payment activity, unless a specific action, such as bankruptcy, repossession, death or significant delay in payment occurs to raise awareness of a possible credit event. Non-performing loans include those loans that are considered nonaccrual, described in more detail below and all loans past due 90 or more days. The following table presents the recorded investment in those loan classes based on payment activity as of March 31, 2012 and December 31, 2011 (in thousands):</div><div style="text-indent: 0pt; display: block;"> </div><div style="text-align: left;"><table cellpadding="0" cellspacing="0" style="width: 50%; font-family: times new roman; font-size: 10pt;"><tr><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 14%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">March 31, 2012</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 12%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Performing</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 12%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Non-performing</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 14%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Total</div></td></tr><tr><td align="left" valign="bottom" style="width: 14%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Real estate loans:</div></td><td align="left" valign="bottom" style="width: 12%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="left" valign="bottom" style="width: 12%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="left" valign="bottom" style="width: 14%; display: inline; font-family: times new roman; font-size: 10pt;">  </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 14%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">     Mortgages</div></td><td align="left" valign="bottom" style="width: 12%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;"> $          104,340</div></td><td align="left" valign="bottom" style="width: 12%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;"> $              439</div></td><td align="left" valign="bottom" style="width: 14%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;"> $                104,779</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 14%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">     Home Equity</div></td><td align="left" valign="bottom" style="width: 12%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">               78,613</div></td><td align="left" valign="bottom" style="width: 12%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">                 311</div></td><td align="left" valign="bottom" style="width: 14%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">                     78,924</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="padding-bottom: 2px; width: 14%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Consumer</div></td><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 12%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">               10,402</div></td><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 12%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">                     3</div></td><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 14%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">                     10,405</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 14%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Total</div></td><td align="left" valign="bottom" style="border-bottom: black 4px double; width: 12%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;"> $          193,355</div></td><td align="left" valign="bottom" style="border-bottom: black 4px double; width: 12%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;"> $              753</div></td><td align="left" valign="bottom" style="border-bottom: black 4px double; width: 14%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;"> $                194,108</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 14%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="left" valign="bottom" style="width: 12%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="left" valign="bottom" style="width: 12%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="left" valign="bottom" style="width: 14%; display: inline; font-family: times new roman; font-size: 10pt;">  </td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 14%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="left" valign="bottom" style="width: 12%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="left" valign="bottom" style="width: 12%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="left" valign="bottom" style="width: 14%; display: inline; font-family: times new roman; font-size: 10pt;">  </td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 14%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">December 31, 2011</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 12%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Performing</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 12%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Non-performing</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 14%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Total</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 14%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Real estate loans:</div></td><td align="left" valign="bottom" style="width: 12%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="left" valign="bottom" style="width: 12%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="left" valign="bottom" style="width: 14%; display: inline; font-family: times new roman; font-size: 10pt;">  </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 14%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">     Mortgages</div></td><td align="left" valign="bottom" style="width: 12%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;"> $          102,238</div></td><td align="left" valign="bottom" style="width: 12%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;"> $              473</div></td><td align="left" valign="bottom" style="width: 14%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;"> $                102,711</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 14%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">     Home Equity</div></td><td align="left" valign="bottom" style="width: 12%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">               81,143</div></td><td align="left" valign="bottom" style="width: 12%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">                 180</div></td><td align="left" valign="bottom" style="width: 14%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">                     81,323</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="padding-bottom: 2px; width: 14%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Consumer</div></td><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 12%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">               10,746</div></td><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 12%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">                      -</div></td><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 14%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">                     10,746</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 14%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Total</div></td><td align="left" valign="bottom" style="border-bottom: black 4px double; width: 12%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;"> $          194,127</div></td><td align="left" valign="bottom" style="border-bottom: black 4px double; width: 12%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;"> $              653</div></td><td align="left" valign="bottom" style="border-bottom: black 4px double; width: 14%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;"> $                194,780</div></td></tr></table></div><div style="text-indent: 0pt; display: block;"><br /></div><div style="text-align: left; text-indent: 0pt; display: block; font-family: Times New Roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Age Analysis of Past Due Financing Receivables</div><div style="text-indent: 0pt; display: block; font-family: Times New Roman; font-size: 10pt;"> </div><div style="text-indent: 0pt; display: block; font-family: Times New Roman; font-size: 10pt;">Management further monitors the performance and credit quality of the loan portfolio by analyzing the age of the portfolio as determined by the length of time a recorded payment is past due. The following table includes an aging analysis of the recorded investment of past due financing receivables as of March 31, 2012 and December 31, 2011 (in thousands):</div><div style="text-indent: 0pt; display: block;"><br /></div><div style="text-align: left;"><table cellpadding="0" cellspacing="0" style="width: 70%; font-family: times new roman; font-size: 10pt;"><tr><td align="left" valign="bottom" style="width: 6%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="left" valign="bottom" style="width: 15%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="width: 9%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">30-59 Days</div></td><td valign="bottom" style="width: 9%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">60-89 Days</div></td><td valign="bottom" style="width: 9%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">90 Days</div></td><td valign="bottom" style="width: 8%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Total Past</div></td><td valign="bottom" style="width: 9%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="width: 12%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Total Financing</div></td><td valign="bottom" style="width: 10%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">90 Days and</div></td></tr><tr><td align="left" colspan="2" valign="bottom" style="border-bottom: black 2px solid; width: 21%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">March 31, 2012</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Past Due</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Past Due</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Or Greater</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 8%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Due</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Current</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 12%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Receivables</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Accruing</div></td></tr><tr><td align="left" colspan="2" valign="bottom" style="width: 21%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Real estate loans:</div></td><td align="left" valign="bottom" style="width: 9%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="left" valign="bottom" style="width: 9%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="left" valign="bottom" style="width: 9%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="left" valign="bottom" style="width: 8%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="left" valign="bottom" style="width: 9%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="left" valign="bottom" style="width: 12%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="left" valign="bottom" style="width: 10%; display: inline; font-family: times new roman; font-size: 10pt;">  </td></tr><tr bgcolor="#cceeff"><td align="left" colspan="2" valign="bottom" style="width: 21%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">     Mortgages</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;"> $        548</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;"> $          74</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;"> $        307</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;"> $        929</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;"> $   103,850</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;"> $           104,779</div></td><td valign="bottom" style="text-align: right; width: 10%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;"> $              58</div></td></tr><tr bgcolor="white"><td colspan="2" valign="bottom" style="text-align: left; width: 21%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">     Home Equity</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">             60</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">                -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">           311</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">           371</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">        78,553</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">                78,924</div></td><td valign="bottom" style="text-align: right; width: 10%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">               102</div></td></tr><tr bgcolor="#cceeff"><td colspan="2" valign="bottom" style="text-align: left; width: 21%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">     Commercial</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">           424</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">                -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">        2,743</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">        3,167</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">      164,417</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">              167,584</div></td><td valign="bottom" style="text-align: right; width: 10%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">               180</div></td></tr><tr bgcolor="white"><td colspan="2" valign="bottom" style="text-align: left; width: 21%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">     Agricultural</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">                -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">                -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">                -</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">                -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">        19,231</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">                19,231</div></td><td valign="bottom" style="text-align: right; width: 10%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">                   -</div></td></tr><tr bgcolor="#cceeff"><td colspan="2" valign="bottom" style="text-align: left; width: 21%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">     Construction</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">                -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">                -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">                -</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">                -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">          8,912</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">                  8,912</div></td><td valign="bottom" style="text-align: right; width: 10%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">                   -</div></td></tr><tr bgcolor="white"><td colspan="2" valign="bottom" style="text-align: left; width: 21%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Consumer</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">             64</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">                -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">               3</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">             67</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">        10,338</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">                10,405</div></td><td valign="bottom" style="text-align: right; width: 10%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">                   3</div></td></tr><tr bgcolor="#cceeff"><td colspan="2" valign="bottom" style="text-align: left; width: 21%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Commercial and other loans</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">             14</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">                -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">           446</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">           460</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">        38,823</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">                39,283</div></td><td valign="bottom" style="text-align: right; width: 10%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">                   -</div></td></tr><tr bgcolor="white"><td colspan="2" valign="bottom" style="text-align: left; width: 21%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Other Agricultural Loans</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">                -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">                -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">                -</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">                -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">          6,337</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">                  6,337</div></td><td valign="bottom" style="text-align: right; width: 10%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">                   -</div></td></tr><tr bgcolor="#cceeff"><td colspan="2" valign="bottom" style="text-align: left; width: 21%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">State and political</div></td><td valign="bottom" style="text-align: right; width: 9%; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="text-align: right; width: 9%; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="text-align: right; width: 9%; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="text-align: right; width: 8%; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="text-align: right; width: 9%; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="text-align: right; width: 12%; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="text-align: right; width: 10%; font-family: times new roman; font-size: 10pt;">  </td></tr><tr bgcolor="white"><td colspan="2" valign="bottom" style="text-align: left; width: 21%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">   subdivision loans</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">                -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">                -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">                -</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">                -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">        55,837</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">                55,837</div></td><td valign="bottom" style="text-align: right; width: 10%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">                   -</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: right; padding-bottom: 2px; width: 6%; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="text-align: right; padding-bottom: 2px; width: 15%; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 9%; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 9%; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 9%; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 8%; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 9%; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 12%; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 10%; font-family: times new roman; font-size: 10pt;">  </td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: right; width: 6%; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="text-align: left; width: 15%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Total</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;"> $     1,110</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;"> $          74</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;"> $     3,810</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 8%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;"> $     4,994</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;"> $   486,298</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 12%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;"> $           491,292</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 10%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;"> $            343</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 6%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="left" valign="bottom" style="width: 15%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="left" valign="bottom" style="width: 9%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="left" valign="bottom" style="width: 9%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="left" valign="bottom" style="width: 9%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="left" valign="bottom" style="width: 8%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="left" valign="bottom" style="width: 9%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="left" valign="bottom" style="width: 12%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td bgcolor="transparent" valign="bottom" style="text-align: left; width: 10%; font-family: times new roman; font-size: 10pt;">  </td></tr><tr bgcolor="white"><td align="left" colspan="2" valign="bottom" style="width: 21%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Loans considered non-accrual</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;"> $        336</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;"> $          74</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;"> $     3,467</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;"> $     3,877</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;"> $       5,366</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;"> $               9,243</div></td><td valign="bottom" style="text-align: right; width: 10%; font-family: times new roman; font-size: 10pt;">  </td></tr><tr bgcolor="#cceeff"><td colspan="2" valign="bottom" style="text-align: left; padding-bottom: 2px; width: 21%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Loans still accruing</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">           774</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">                -</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">           343</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 8%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">        1,117</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">      480,932</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 12%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">              482,049</div></td><td bgcolor="transparent" valign="bottom" style="text-align: right; padding-bottom: 2px; width: 10%; font-family: times new roman; font-size: 10pt;">  </td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: right; width: 6%; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="text-align: left; width: 15%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Total</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;"> $     1,110</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;"> $          74</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;"> $     3,810</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 8%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;"> $     4,994</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;"> $   486,298</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 12%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;"> $           491,292</div></td><td align="left" valign="bottom" style="width: 10%; display: inline; font-family: times new roman; font-size: 10pt;">  </td></tr></table></div><div style="text-indent: 0pt; display: block;"> </div><div style="text-align: left;"><table cellpadding="0" cellspacing="0" style="width: 70%; font-family: times new roman; font-size: 10pt;"><tr><td align="left" valign="bottom" style="width: 6%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="left" valign="bottom" style="width: 14%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="width: 9%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">30-59 Days</div></td><td valign="bottom" style="width: 9%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">60-89 Days</div></td><td valign="bottom" style="width: 8%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">90 Days</div></td><td valign="bottom" style="width: 8%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Total Past</div></td><td valign="bottom" style="width: 9%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="width: 12%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Total Financing</div></td><td valign="bottom" style="width: 10%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">90 Days and</div></td></tr><tr><td align="left" colspan="2" valign="bottom" style="border-bottom: black 2px solid; width: 20%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">December 31, 2011</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Past Due</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Past Due</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 8%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Or Greater</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 8%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Due</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Current</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 12%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Receivables</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Accruing</div></td></tr><tr><td align="left" colspan="2" valign="bottom" style="width: 20%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Real estate loans:</div></td><td align="left" valign="bottom" style="width: 9%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="left" valign="bottom" style="width: 9%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="left" valign="bottom" style="width: 8%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="left" valign="bottom" style="width: 8%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="left" valign="bottom" style="width: 9%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="left" valign="bottom" style="width: 12%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="left" valign="bottom" style="width: 10%; display: inline; font-family: times new roman; font-size: 10pt;">  </td></tr><tr bgcolor="#cceeff"><td align="left" colspan="2" valign="bottom" style="width: 20%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">     Mortgages</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;"> $        428</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;"> $          91</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;"> $        398</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;"> $        917</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;"> $   101,794</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;"> $           102,711</div></td><td valign="bottom" style="text-align: right; width: 10%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;"> $              60</div></td></tr><tr bgcolor="white"><td colspan="2" valign="bottom" style="text-align: left; width: 20%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">     Home Equity</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">           339</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">                -</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">           180</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">           519</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">        80,804</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">                81,323</div></td><td valign="bottom" style="text-align: right; width: 10%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">                 39</div></td></tr><tr bgcolor="#cceeff"><td colspan="2" valign="bottom" style="text-align: left; width: 20%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">     Commercial</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">           319</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">           412</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">        2,794</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">        3,525</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">      162,301</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">              165,826</div></td><td valign="bottom" style="text-align: right; width: 10%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">               176</div></td></tr><tr bgcolor="white"><td colspan="2" valign="bottom" style="text-align: left; width: 20%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">     Agricultural</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">           143</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">                -</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">                -</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">           143</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">        19,081</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">                19,224</div></td><td valign="bottom" style="text-align: right; width: 10%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">                   -</div></td></tr><tr bgcolor="#cceeff"><td colspan="2" valign="bottom" style="text-align: left; width: 20%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">     Construction</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">                -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">                -</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">                -</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">                -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">          8,481</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">                  8,481</div></td><td valign="bottom" style="text-align: right; width: 10%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">                   -</div></td></tr><tr bgcolor="white"><td colspan="2" valign="bottom" style="text-align: left; width: 20%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Consumer</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">             86</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">               7</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">                -</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">             93</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">        10,653</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">                10,746</div></td><td valign="bottom" style="text-align: right; width: 10%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">                   -</div></td></tr><tr bgcolor="#cceeff"><td colspan="2" valign="bottom" style="text-align: left; width: 20%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Commercial and other loans</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">               9</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">                -</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">           503</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">           512</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">        37,235</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">                37,747</div></td><td valign="bottom" style="text-align: right; width: 10%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">                   -</div></td></tr><tr bgcolor="white"><td colspan="2" valign="bottom" style="text-align: left; width: 20%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Other Agricultural Loans</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">                -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">                -</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">                -</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">                -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">          6,552</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">                  6,552</div></td><td valign="bottom" style="text-align: right; width: 10%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">                   -</div></td></tr><tr bgcolor="#cceeff"><td colspan="2" valign="bottom" style="text-align: left; width: 20%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">State and political</div></td><td valign="bottom" style="text-align: right; width: 9%; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="text-align: right; width: 9%; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="text-align: right; width: 8%; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="text-align: right; width: 8%; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="text-align: right; width: 9%; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="text-align: right; width: 12%; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="text-align: right; width: 10%; font-family: times new roman; font-size: 10pt;">  </td></tr><tr bgcolor="white"><td colspan="2" valign="bottom" style="text-align: left; width: 20%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">   subdivision loans</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">                -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">                -</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">                -</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">                -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">        54,899</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">                54,899</div></td><td valign="bottom" style="text-align: right; width: 10%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">                   -</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: right; padding-bottom: 2px; width: 6%; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="text-align: right; padding-bottom: 2px; width: 14%; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 9%; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 9%; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 8%; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 8%; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 9%; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 12%; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 10%; font-family: times new roman; font-size: 10pt;">  </td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: right; width: 6%; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="text-align: left; width: 14%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Total</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;"> $     1,324</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;"> $        510</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 8%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;"> $     3,875</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 8%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;"> $     5,709</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;"> $   481,800</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 12%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;"> $           487,509</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 10%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;"> $            275</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: right; width: 6%; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="text-align: right; width: 14%; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="text-align: right; width: 9%; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="text-align: right; width: 9%; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="text-align: right; width: 8%; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="text-align: right; width: 8%; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="text-align: right; width: 9%; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="text-align: right; width: 12%; font-family: times new roman; font-size: 10pt;">  </td><td bgcolor="transparent" valign="bottom" style="text-align: right; width: 10%; font-family: times new roman; font-size: 10pt;">  </td></tr><tr bgcolor="white"><td colspan="2" valign="bottom" style="text-align: left; width: 20%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Loans considered non-accrual</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;"> $             -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;"> $             -</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;"> $     3,600</div></td><td valign="bottom" style="text-align: right; width: 8%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;"> $     3,600</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;"> $       5,565</div></td><td valign="bottom" style="text-align: right; width: 12%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;"> $               9,165</div></td><td valign="bottom" style="text-align: right; width: 10%; font-family: times new roman; font-size: 10pt;">  </td></tr><tr bgcolor="#cceeff"><td colspan="2" valign="bottom" style="text-align: left; padding-bottom: 2px; width: 20%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Loans still accruing</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">        1,324</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">           510</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 8%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">           275</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 8%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">        2,109</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">      476,235</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 12%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">              478,344</div></td><td bgcolor="transparent" valign="bottom" style="text-align: right; padding-bottom: 2px; width: 10%; font-family: times new roman; font-size: 10pt;">  </td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: right; width: 6%; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="text-align: left; width: 14%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Total</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;"> $     1,324</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;"> $        510</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 8%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;"> $     3,875</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 8%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;"> $     5,709</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;"> $   481,800</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 12%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;"> $           487,509</div></td><td align="left" valign="bottom" style="width: 10%; display: inline; font-family: times new roman; font-size: 10pt;">  </td></tr></table></div><div style="text-indent: 0pt; display: block;"><br /></div><div style="text-align: left; text-indent: 0pt; display: block; font-family: Times New Roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Nonaccrual Loans</div><div style="text-indent: 0pt; display: block; font-family: Times New Roman; font-size: 10pt;"> </div><div style="text-indent: 0pt; display: block; font-family: Times New Roman; font-size: 10pt;">Loans are considered for non-accrual status upon reaching 90 days delinquency, although the Company may be receiving partial payments of interest and partial repayments of principal on such loans or if full payment of principal and interest is not expected. Additionally, if management is made aware of other information including bankruptcy, repossession, death, or legal proceedings, the loan may be placed on non-accrual status. If a loan is 90 days or more past due and is well secured and in the process of collection, it may still be considered accruing.</div><div style="text-indent: 0pt; display: block; font-family: Times New Roman; font-size: 10pt;"> </div><div style="text-indent: 0pt; display: block; font-family: Times New Roman; font-size: 10pt;">The following table reflects the financing receivables on nonaccrual status as of March 31, 2012 and December 31, 2011, respectively. The balances are presented by class of financing receivable (in thousands):</div><div style="text-indent: 0pt; display: block;"><br /></div><div style="text-align: left;"><table cellpadding="0" cellspacing="0" style="width: 40%; font-family: times new roman; font-size: 10pt;"><tr><td align="left" valign="bottom" style="width: 10%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="left" valign="bottom" style="width: 10%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="border-bottom: black 2px solid; width: 12%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">March 31, 2012</div></td><td valign="bottom" style="width: 2%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="border-bottom: black 2px solid; width: 14%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">December 31, 2011</div></td></tr><tr><td align="left" colspan="2" valign="bottom" style="width: 20%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Real estate loans:</div></td><td align="left" valign="bottom" style="width: 12%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="left" valign="bottom" style="width: 2%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="left" valign="bottom" style="width: 14%; display: inline; font-family: times new roman; font-size: 10pt;">  </td></tr><tr><td align="left" colspan="2" valign="bottom" style="width: 20%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">     Mortgages</div></td><td align="right" valign="bottom" style="width: 12%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;"> $                381</div></td><td align="right" valign="bottom" style="width: 2%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="right" valign="bottom" style="width: 14%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;"> $                   413</div></td></tr><tr><td align="left" colspan="2" valign="bottom" style="width: 20%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">     Home Equity</div></td><td align="right" valign="bottom" style="width: 12%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">                   209</div></td><td align="right" valign="bottom" style="width: 2%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="right" valign="bottom" style="width: 14%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">                      141</div></td></tr><tr><td align="left" colspan="2" valign="bottom" style="width: 20%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">     Commercial</div></td><td align="right" valign="bottom" style="width: 12%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">                8,194</div></td><td align="right" valign="bottom" style="width: 2%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="right" valign="bottom" style="width: 14%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">                   8,094</div></td></tr><tr><td align="left" colspan="2" valign="bottom" style="width: 20%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">     Agricultural</div></td><td align="right" valign="bottom" style="width: 12%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">                      -</div></td><td align="right" valign="bottom" style="width: 2%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="right" valign="bottom" style="width: 14%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">                        -</div></td></tr><tr><td align="left" colspan="2" valign="bottom" style="width: 20%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">     Construction</div></td><td align="right" valign="bottom" style="width: 12%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">                     -</div></td><td align="right" valign="bottom" style="width: 2%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="right" valign="bottom" style="width: 14%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">                        -</div></td></tr><tr><td align="left" colspan="2" valign="bottom" style="width: 20%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Consumer</div></td><td align="right" valign="bottom" style="width: 12%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">                     -</div></td><td align="right" valign="bottom" style="width: 2%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="right" valign="bottom" style="width: 14%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">                        -</div></td></tr><tr><td align="left" colspan="2" valign="bottom" style="width: 20%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Commercial and other</div></td><td align="right" valign="bottom" style="width: 12%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">                   459</div></td><td align="right" valign="bottom" style="width: 2%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="right" valign="bottom" style="width: 14%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">                      517</div></td></tr><tr><td align="left" colspan="2" valign="bottom" style="width: 20%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Other Agricultural</div></td><td align="right" valign="bottom" style="width: 12%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">                     -</div></td><td align="right" valign="bottom" style="width: 2%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="right" valign="bottom" style="width: 14%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">                        -</div></td></tr><tr><td align="left" colspan="2" valign="bottom" style="padding-bottom: 2px; width: 20%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">State and political subdivision</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 12%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">                     -</div></td><td align="right" valign="bottom" style="padding-bottom: 2px; width: 2%; font-family: times new roman; font-size: 10pt;">  </td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 14%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">                        -</div></td></tr><tr><td align="left" valign="bottom" style="width: 10%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="left" valign="bottom" style="width: 10%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 12%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;"> $             9,243</div></td><td align="right" valign="bottom" style="width: 2%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 14%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;"> $                9,165</div></td></tr></table></div><div style="text-indent: 0pt; display: block;"><br /></div><div style="text-align: justify; text-indent: 0pt; display: block; font-family: Times New Roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Troubled Debt Restructurings</div><div style="text-indent: 0pt; display: block; font-family: Times New Roman; font-size: 10pt;"> </div><div style="text-indent: 0pt; display: block; font-family: Times New Roman; font-size: 10pt;">In situations where, for economic or legal reasons related to a borrower's financial difficulties, management may grant a concession for other than an insignificant period of time to the borrower that would not otherwise be considered, the related loan is classified as a Troubled Debt Restructuring (TDR). Management strives to identify borrowers in financial difficulty early and work with them to modify more affordable terms before their loan reaches nonaccrual status. These modified terms may include rate reductions, principal forgiveness, payment forbearance and other actions intended to minimize the economic loss and to avoid foreclosure or repossession of the collateral. In cases where borrowers are granted new terms that provide for a reduction of either interest or principal, management measures any impairment on the restructuring by calculating the present value of the revised loan terms and comparing this balance to the Company's investment in the loan prior to the restructuring. As these loans are individually evaluated, they are excluded from pooled portfolios when calculating the allowance for loan and lease losses and a separate allocation within the allowance for loan and lease losses is provided. Management continually evaluates loans that are considered TDR's, including payment history under the modified loan terms, the borrower's ability to continue to repay the loan based on continued evaluation of their operating results and cash flows from operations.  Based on this evaluation management would no longer consider a loan to be a TDR when the relevant facts support such a conclusion.</div><div style="text-indent: 0pt; display: block;"> </div><div style="text-indent: 0pt; margin-left: 0pt; margin-right: 0pt;"><div style="display: inline; font-family: Times New Roman; font-size: 10pt;">Loan modifications that are considered TDR's completed during the three months ended March 31, 2012 and 2011 were as follows:</div></div><div style="text-indent: 0pt; display: block;"><br /></div><div style="text-align: left;"><table cellpadding="0" cellspacing="0" style="width: 80%; font-family: times new roman; font-size: 10pt;"><tr><td align="left" valign="bottom" style="width: 20%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td colspan="6" valign="bottom" style="width: 63%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">For the Three Months Ended March 31, 2012</div></td></tr><tr><td align="left" valign="bottom" style="width: 20%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td colspan="2" valign="bottom" style="border-bottom: black 2px solid; width: 20%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Number of contracts</div></td><td colspan="2" valign="bottom" style="border-bottom: black 2px solid; width: 23%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Pre-modification Outstanding </div><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Recorded Investment</div></td><td colspan="2" valign="bottom" style="border-bottom: black 2px solid; width: 20%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Post-Modification </div><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Outstanding Recorded</div><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;"> Investment</div></td></tr><tr><td align="left" valign="bottom" style="width: 20%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Interest Modification</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Term Modification</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 13%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Interest Modification</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Term Modification</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Interest Modification</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Term Modification</div></td></tr><tr><td align="left" colspan="2" valign="bottom" style="width: 30%;"><div style="text-align: left; font-style: italic; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">(Dollar amounts in thousands)</div></td><td align="left" valign="bottom" style="width: 10%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="left" valign="bottom" style="width: 13%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="left" valign="bottom" style="width: 10%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="left" valign="bottom" style="width: 10%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="left" valign="bottom" style="width: 10%; display: inline; font-family: times new roman; font-size: 10pt;">  </td></tr><tr><td align="left" valign="bottom" style="width: 20%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Real estate loans:</div></td><td align="left" valign="bottom" style="width: 10%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="left" valign="bottom" style="width: 10%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="left" valign="bottom" style="width: 13%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="left" valign="bottom" style="width: 10%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="left" valign="bottom" style="width: 10%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="left" valign="bottom" style="width: 10%; display: inline; font-family: times new roman; font-size: 10pt;">  </td></tr><tr><td align="left" valign="bottom" style="padding-bottom: 2px; width: 20%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">     Commercial</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">                     -</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">                   2</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 13%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;"> $                        -</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;"> $               98</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;"> $                  -</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;"> $               98</div></td></tr><tr><td align="left" valign="bottom" style="width: 20%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Total</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 10%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">                     -</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 10%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">                    2</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 13%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;"> $                        -</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 10%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;"> $               98</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 10%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;"> $                  -</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 10%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;"> $               98</div></td></tr></table></div><div style="text-indent: 0pt; display: block;"><br /></div><div style="text-align: left;"><table cellpadding="0" cellspacing="0" style="width: 80%; font-family: times new roman; font-size: 10pt;"><tr><td align="left" valign="bottom" style="width: 20%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td colspan="6" valign="bottom" style="width: 64%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">For the Three Months Ended March 31, 2011</div></td></tr><tr><td align="left" valign="bottom" style="width: 20%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td colspan="2" valign="bottom" style="border-bottom: black 2px solid; width: 22%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Number of contracts</div></td><td colspan="2" valign="bottom" style="border-bottom: black 2px solid; width: 22%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Pre-modification Outstanding </div><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Recorded Investment</div></td><td colspan="2" valign="bottom" style="border-bottom: black 2px solid; width: 20%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Post-Modification </div><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Outstanding Recorded </div><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Investment</div></td></tr><tr><td align="left" valign="bottom" style="width: 20%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Interest Modification</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 12%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Term Modification</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 12%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Interest Modification</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Term Modification</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Interest Modification</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Term Modification</div></td></tr><tr><td align="left" valign="bottom" style="width: 20%;"><div style="text-align: left; font-style: italic; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">(Dollar amounts in thousands)</div></td><td align="left" valign="bottom" style="width: 10%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="left" valign="bottom" style="width: 12%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="left" valign="bottom" style="width: 12%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="left" valign="bottom" style="width: 10%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="left" valign="bottom" style="width: 10%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="left" valign="bottom" style="width: 10%; display: inline; font-family: times new roman; font-size: 10pt;">  </td></tr><tr><td align="left" valign="bottom" style="width: 20%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Real estate loans:</div></td><td align="left" valign="bottom" style="width: 10%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="left" valign="bottom" style="width: 12%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="left" valign="bottom" style="width: 12%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="left" valign="bottom" style="width: 10%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="left" valign="bottom" style="width: 10%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="left" valign="bottom" style="width: 10%; display: inline; font-family: times new roman; font-size: 10pt;">  </td></tr><tr><td align="left" valign="bottom" style="padding-bottom: 2px; width: 20%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">     Commercial</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">                    5</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 12%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">                          -</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 12%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;"> $             5,912</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;"> $                  -</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;"> $          5,912</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;"> $                  -</div></td></tr><tr><td align="left" valign="bottom" style="width: 20%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Total</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 10%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">                    5</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 12%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">                          -</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 12%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;"> $             5,912</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 10%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;"> $                  -</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 10%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;"> $          5,912</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 10%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;"> $                  -</div></td></tr></table></div><div style="text-indent: 0pt; display: block;"><br /></div><div style="text-indent: 0pt; display: block; font-family: Times New Roman; font-size: 10pt;">Recidivism, or the borrower defaulting on its obligation pursuant to a modified loan, results in the loan once again becoming a non-accrual loan. Recidivism occurs at a notably higher rate than do defaults on new origination loans, so modified loans present a higher risk of loss than do new origination loans. Loan modifications considered TDR's made during the twelve months ended March 31, 2012, that defaulted during the three month period ended March 31, 2012 were as follows:</div><div style="text-indent: 0pt; display: block;"><br /></div><div style="text-align: left;"><table cellpadding="0" cellspacing="0" style="width: 40%; font-family: times new roman; font-size: 10pt;"><tr><td align="left" valign="bottom" style="width: 20%;"><div style="text-align: left; font-style: italic; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">(Dollar amounts in thousands)</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 17%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Number of contracts</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 18%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Recorded investment</div></td></tr><tr><td align="left" valign="bottom" style="width: 20%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Real estate loans:</div></td><td align="left" valign="bottom" style="width: 17%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="left" valign="bottom" style="width: 18%; display: inline; font-family: times new roman; font-size: 10pt;">  </td></tr><tr><td align="left" valign="bottom" style="padding-bottom: 2px; width: 20%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">     Commercial</div></td><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 17%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">               1</div></td><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 18%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;"> $              48</div></td></tr><tr><td align="left" valign="bottom" style="width: 20%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Total recidivism</div></td><td align="left" valign="bottom" style="border-bottom: black 4px double; width: 17%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">               1</div></td><td align="left" valign="bottom" style="border-bottom: black 4px double; width: 18%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;"> $              48</div></td></tr></table></div><div style="text-indent: 0pt; display: block;"><br /></div><div style="text-align: justify; text-indent: 0pt; display: block; font-family: Times New Roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Allowance for Loan Losses</div><div style="text-indent: 0pt; display: block;"><br /></div><div style="text-align: justify; text-indent: 0pt; display: block; font-family: Times New Roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">The following tables roll forward the balance of the ALLL by portfolio segment for the three month periods ended March 31, 2012 and 2011, respectively, and segregates the ending balance into the amount required for loans individually evaluated for impairment and the amount required for loans collectively evaluated for impairment as of March 31, 2012 (in thousands):</div><div style="text-align: justify; text-indent: 0pt; display: block; margin-left: 0pt; margin-right: 0pt;"> </div><div style="text-align: left;"><table cellpadding="0" cellspacing="0" style="width: 80%; font-family: times new roman; font-size: 10pt;"><tr><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 22%; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Balance at December 31, 2011</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Charge-offs</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Recoveries</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 8%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Provision</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Balance at March 31, 2012</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 12%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Individually evaluated for impairment</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 12%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Collectively evaluated for impairment</div></td></tr><tr><td align="left" valign="bottom" style="width: 22%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Real estate loans:</div></td><td align="left" valign="bottom" style="width: 10%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="left" valign="bottom" style="width: 9%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="left" valign="bottom" style="width: 9%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="left" valign="bottom" style="width: 8%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="left" valign="bottom" style="width: 10%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="left" valign="bottom" style="width: 12%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="left" valign="bottom" style="width: 12%; display: inline; font-family: times new roman; font-size: 10pt;">  </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 22%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">     Residential</div></td><td align="right" valign="bottom" style="width: 10%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;"> $         805</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;"> $          (49)</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;"> $              -</div></td><td align="right" valign="bottom" style="width: 8%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;"> $         (3)</div></td><td align="right" valign="bottom" style="width: 10%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;"> $         753</div></td><td align="right" valign="bottom" style="width: 12%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;"> $             15</div></td><td align="right" valign="bottom" style="width: 12%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;"> $             738</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 22%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">     Commercial and agricultural</div></td><td align="right" valign="bottom" style="width: 10%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">         4,132</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">               (2)</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">                 -</div></td><td align="right" valign="bottom" style="width: 8%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">          206</div></td><td align="right" valign="bottom" style="width: 10%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">         4,336</div></td><td align="right" valign="bottom" style="width: 12%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">              563</div></td><td align="right" valign="bottom" style="width: 12%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">             3,773</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 22%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">     Construction</div></td><td align="right" valign="bottom" style="width: 10%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">              15</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">                 -</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">                 -</div></td><td align="right" valign="bottom" style="width: 8%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">              1</div></td><td align="right" valign="bottom" style="width: 10%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">              16</div></td><td align="right" valign="bottom" style="width: 12%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">                   -</div></td><td align="right" valign="bottom" style="width: 12%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">                  16</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 22%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Consumer</div></td><td align="right" valign="bottom" style="width: 10%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">            111</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">               (8)</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">                9</div></td><td align="right" valign="bottom" style="width: 8%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">          (16)</div></td><td align="right" valign="bottom" style="width: 10%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">              96</div></td><td align="right" valign="bottom" style="width: 12%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">                   -</div></td><td align="right" valign="bottom" style="width: 12%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">                  96</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 22%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Commercial and other loans</div></td><td align="right" valign="bottom" style="width: 10%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">            674</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">                 -</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">                3</div></td><td align="right" valign="bottom" style="width: 8%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">            (6)</div></td><td align="right" valign="bottom" style="width: 10%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">            671</div></td><td align="right" valign="bottom" style="width: 12%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">                23</div></td><td align="right" valign="bottom" style="width: 12%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">                648</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 22%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">State and political</div></td><td align="right" valign="bottom" style="width: 10%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="right" valign="bottom" style="width: 9%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="right" valign="bottom" style="width: 9%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="width: 8%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="right" valign="bottom" style="width: 10%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="right" valign="bottom" style="width: 12%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="right" valign="bottom" style="width: 12%; display: inline; font-family: times new roman; font-size: 10pt;">  </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 22%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">  subdivision loans</div></td><td align="right" valign="bottom" style="width: 10%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">            235</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">                 -</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">                 -</div></td><td align="right" valign="bottom" style="width: 8%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">            10</div></td><td align="right" valign="bottom" style="width: 10%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">            245</div></td><td align="right" valign="bottom" style="width: 12%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">                   -</div></td><td align="right" valign="bottom" style="width: 12%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">                245</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 22%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Unallocated</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">            515</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">                 -</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">                 -</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 8%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">          (87)</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">            428</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 12%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">                   -</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 12%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">                428</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 22%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Total</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 10%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;"> $      6,487</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;"> $          (59)</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;"> $           12</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 8%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;"> $       105</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 10%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;"> $      6,545</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 12%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;"> $           601</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 12%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;"> $          5,944</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 22%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="left" valign="bottom" style="width: 10%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="left" valign="bottom" style="width: 9%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="left" valign="bottom" style="width: 9%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="left" valign="bottom" style="width: 8%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="left" valign="bottom" style="width: 10%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="left" valign="bottom" style="width: 12%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="left" valign="bottom" style="width: 12%; display: inline; font-family: times new roman; font-size: 10pt;">  </td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 22%; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Balance at December 31, 2010</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Charge-offs</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Recoveries</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 8%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Provision</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Balance at March 31, 2011</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 12%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Individually evaluated for impairment</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 12%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Collectively evaluated for impairment</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 22%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Real estate loans:</div></td><td align="left" valign="bottom" style="width: 10%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="left" valign="bottom" style="width: 9%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="left" valign="bottom" style="width: 9%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="left" valign="bottom" style="width: 8%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="left" valign="bottom" style="width: 10%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="left" valign="bottom" style="width: 12%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="left" valign="bottom" style="width: 12%; display: inline; font-family: times new roman; font-size: 10pt;">  </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 22%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">     Residential</div></td><td align="right" valign="bottom" style="width: 10%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;"> $         969</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;"> $          (60)</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;"> $              -</div></td><td align="right" valign="bottom" style="width: 8%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;"> $         12</div></td><td align="right" valign="bottom" style="width: 10%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;"> $         921</div></td><td align="right" valign="bottom" style="width: 12%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;"> $                -</div></td><td align="right" valign="bottom" style="width: 12%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;"> $             921</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 22%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">     Commercial and agricultural</div></td><td align="right" valign="bottom" style="width: 10%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">         3,380</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">             (17)</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">                 -</div></td><td align="right" valign="bottom" style="width: 8%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">          335</div></td><td align="right" valign="bottom" style="width: 10%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">         3,698</div></td><td align="right" valign="bottom" style="width: 12%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">              433</div></td><td align="right" valign="bottom" style="width: 12%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">             3,265</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 22%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">     Construction</div></td><td align="right" valign="bottom" style="width: 10%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">              22</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">                 -</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">                 -</div></td><td align="right" valign="bottom" style="width: 8%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">            (9)</div></td><td align="right" valign="bottom" style="width: 10%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">              13</div></td><td align="right" valign="bottom" style="width: 12%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">                   -</div></td><td align="right" valign="bottom" style="width: 12%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">                  13</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 22%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Consumer</div></td><td align="right" valign="bottom" style="width: 10%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">            108</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">             (16)</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">              17</div></td><td align="right" valign="bottom" style="width: 8%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">          (22)</div></td><td align="right" valign="bottom" style="width: 10%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">              87</div></td><td align="right" valign="bottom" style="width: 12%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">                   -</div></td><td align="right" valign="bottom" style="width: 12%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">                  87</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 22%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Commercial and other loans</div></td><td align="right" valign="bottom" style="width: 10%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">            983</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">                 -</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">                4</div></td><td align="right" valign="bottom" style="width: 8%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">          (86)</div></td><td align="right" valign="bottom" style="width: 10%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">            901</div></td><td align="right" valign="bottom" style="width: 12%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">                   -</div></td><td align="right" valign="bottom" style="width: 12%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">                901</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 22%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">State and political</div></td><td align="right" valign="bottom" style="width: 10%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="right" valign="bottom" style="width: 9%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="right" valign="bottom" style="width: 9%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="width: 8%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="right" valign="bottom" style="width: 10%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="right" valign="bottom" style="width: 12%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="right" valign="bottom" style="width: 12%; display: inline; font-family: times new roman; font-size: 10pt;">  </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 22%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">  subdivision loans</div></td><td align="right" valign="bottom" style="width: 10%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">            137</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">                 -</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">                 -</div></td><td align="right" valign="bottom" style="width: 8%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">              2</div></td><td align="right" valign="bottom" style="width: 10%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">            139</div></td><td align="right" valign="bottom" style="width: 12%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">                   -</div></td><td align="right" valign="bottom" style="width: 12%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">                139</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 22%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Unallocated</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">            316</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">                 -</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">                 -</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 8%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">            (7)</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">            309</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 12%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">                   -</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 12%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">                309</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 22%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Total</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 10%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;"> $      5,915</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;"> $          (93)</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;"> $           21</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 8%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;"> $       225</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 10%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;"> $      6,068</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 12%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;"> $           433</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 12%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;"> $          5,635</div></td></tr></table></div><div style="text-indent: 0pt; display: block; font-family: Times New Roman; font-size: 10pt;"> </div><div style="text-indent: 0pt; display: block; font-family: Times New Roman; font-size: 10pt;">The Company allocates the ALLL based on the factors described below, which conform to the Company's loan classification policy and credit quality measurements. In reviewing risk within the Bank's loan portfolio, management has determined there to be several different risk categories within the loan portfolio. The ALLL consists of amounts applicable to: (i) residential real estate loans; (ii) residential real estate home equity loans; (iii) commercial real estate loans; (iv) agricultural real estate loans; (v) real estate construction loans; (vi) commercial and other loans; (vii) consumer loans; (viii) other agricultural loans and (ix) state and political subdivision loans. Factors considered in this process include general loan terms, collateral, and availability of historical data to support the analysis. Historical loss percentages are calculated and used as the basis for calculating allowance allocations. Certain qualitative factors are evaluated to determine additional inherent risks in the loan portfolio, which are not necessarily reflected in the historical loss percentages. These factors are then added to the historical allocation percentage to get the adjusted factor to be applied to non classified loans. The following qualitative factors are analyzed:</div><div style="text-indent: 0pt; display: block;"> </div><div style="text-indent: 0pt; display: block;"><div style="text-align: left; margin-left: 27pt;"><table cellpadding="0" cellspacing="0" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt;"><tr><td style="width: 9pt; font-family: Symbol, serif; font-size: 10pt; vertical-align: top; align: right;">·</td><td style="width: auto; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; vertical-align: top;">Level of and trends in delinquencies, impaired/classified loans</td></tr></table></div><div style="text-align: left; margin-left: 63pt;"><table cellpadding="0" cellspacing="0" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt;"><tr><td style="width: 9pt; font-family: Wingdings; font-size: 10pt; vertical-align: top; align: right;">§</td><td style="width: auto; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; vertical-align: top;">Change in volume and severity of past due loans</td></tr></table></div><div style="text-align: left; margin-left: 63pt;"><table cellpadding="0" cellspacing="0" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt;"><tr><td style="width: 9pt; font-family: Wingdings; font-size: 10pt; vertical-align: top; align: right;">§</td><td style="width: auto; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; vertical-align: top;">Volume of non-accrual loans</td></tr></table></div><div style="text-align: left; margin-left: 63pt;"><table cellpadding="0" cellspacing="0" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt;"><tr><td style="width: 9pt; font-family: Wingdings; font-size: 10pt; vertical-align: top; align: right;">§</td><td style="width: auto; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; vertical-align: top;">Volume and severity of classified, adversely or graded loans;</td></tr></table></div><div style="text-align: left; margin-left: 27pt;"><table cellpadding="0" cellspacing="0" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt;"><tr><td style="width: 9pt; font-family: Symbol, serif; font-size: 10pt; vertical-align: top; align: right;">·</td><td style="width: auto; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; vertical-align: top;">Level of and trends in charge-offs and recoveries;</td></tr></table></div><div style="text-align: left; margin-left: 27pt;"><table cellpadding="0" cellspacing="0" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt;"><tr><td style="width: 9pt; font-family: Symbol, serif; font-size: 10pt; vertical-align: top; align: right;">·</td><td style="width: auto; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; vertical-align: top;">Trends in volume, terms and nature of the loan portfolio;</td></tr></table></div><div style="text-align: left; margin-left: 27pt;"><table cellpadding="0" cellspacing="0" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt;"><tr><td style="width: 9pt; font-family: Symbol, serif; font-size: 10pt; vertical-align: top; align: right;">·</td><td style="width: auto; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; vertical-align: top;">Effects of any changes in risk selection and underwriting standards and any other changes in lending and recovery policies, procedures and practices;</td></tr></table></div><div style="text-align: left; margin-left: 27pt;"><table cellpadding="0" cellspacing="0" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt;"><tr><td style="width: 9pt; font-family: Symbol, serif; font-size: 10pt; vertical-align: top; align: right;">·</td><td style="width: auto; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; vertical-align: top;">Changes in the quality of the Bank's loan review system;</td></tr></table></div><div style="text-align: left; margin-left: 27pt;"><table cellpadding="0" cellspacing="0" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt;"><tr><td style="width: 9pt; font-family: Symbol, serif; font-size: 10pt; vertical-align: top; align: right;">·</td><td style="width: auto; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; vertical-align: top;">Experience, ability and depth of lending management and other relevant staff;</td></tr></table></div><div style="text-align: left; margin-left: 27pt;"><table cellpadding="0" cellspacing="0" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt;"><tr><td style="width: 9pt; font-family: Symbol, serif; font-size: 10pt; vertical-align: top; align: right;">·</td><td style="width: auto; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; vertical-align: top;">National, state, regional and local economic trends and business conditions</td></tr></table></div><div style="text-align: left; margin-left: 63pt;"><table cellpadding="0" cellspacing="0" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt;"><tr><td style="width: 9pt; font-family: Wingdings; font-size: 10pt; vertical-align: top; align: right;">§</td><td style="width: auto; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; vertical-align: top;">General economic conditions</td></tr></table></div><div style="text-align: left; margin-left: 63pt;"><table cellpadding="0" cellspacing="0" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt;"><tr><td style="width: 9pt; font-family: Wingdings; font-size: 10pt; vertical-align: top; align: right;">§</td><td style="width: auto; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; vertical-align: top;">Unemployment rates</td></tr></table></div><div style="text-align: left; margin-left: 63pt;"><table cellpadding="0" cellspacing="0" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt;"><tr><td style="width: 9pt; font-family: Wingdings; font-size: 10pt; vertical-align: top; align: right;">§</td><td style="width: auto; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; vertical-align: top;">Inflation / CPI</td></tr></table></div><div style="text-align: left; margin-left: 63pt;"><table cellpadding="0" cellspacing="0" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt;"><tr><td style="width: 9pt; font-family: Wingdings; font-size: 10pt; vertical-align: top; align: right;">§</td><td style="width: auto; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; vertical-align: top;">Changes in values of underlying collateral for collateral-dependent loans;</td></tr></table></div><div style="text-align: left; margin-left: 27pt;"><table cellpadding="0" cellspacing="0" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt;"><tr><td style="width: 9pt; font-family: Symbol, serif; font-size: 10pt; vertical-align: top; align: right;">·</td><td style="width: auto; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; vertical-align: top;">Industry conditions including the effects of external factors such as competition, legal, and regulatory requirements on the level of estimated credit losses; and</td></tr></table></div><div style="text-align: left; margin-left: 27pt;"><table cellpadding="0" cellspacing="0" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt;"><tr><td style="width: 9pt; font-family: Symbol, serif; font-size: 10pt; vertical-align: top; align: right;">·</td><td style="width: auto; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; vertical-align: top;">Existence and effect of any credit concentrations, and changes in the level of such concentrations.</td></tr></table></div><div style="text-align: left; margin-left: 27pt;"> </div></div><div style="text-indent: 0pt; display: block; font-family: Times New Roman; font-size: 10pt;">The Company also maintains an unallocated allowance to account for any factors or conditions that may cause a potential loss but are not specifically addressed in the process described above. The Company analyzes its loan portfolio each quarter to determine the appropriateness of its allowance for loan losses.</div><div style="text-indent: 0pt; display: block; font-family: Times New Roman; font-size: 10pt;"> </div><div style="text-indent: 0pt; display: block; font-family: Times New Roman; font-size: 10pt;">Loans determined to be TDR's are impaired and for purposes of estimating the ALLL must be individually evaluated for impairment. In calculating the impairment, the Company calculates the present value utilizing an analysis of discounted cash flows. If the present value calculated is below the recorded investment of the loan, an impairment is recognized by a charge to the provision for loan and lease losses and a credit to the ALLL.</div><div style="text-indent: 0pt; display: block; font-family: Times New Roman; font-size: 10pt;"> </div><div style="text-indent: 0pt; display: block; font-family: Times New Roman; font-size: 10pt;">We continually review the model utilized in calculating the required allowance. During the second quarter of 2011, management made a determination that special mention and substandard loans should have additional qualitative adjustments applied to them in comparison to pass graded loans. As a result of this and other factors discussed below, the following factors experienced changes during the first three months of 2012:</div><div style="text-indent: 0pt; display: block; font-family: Times New Roman; font-size: 10pt;"> </div><div style="text-indent: 0pt; display: block; font-family: Times New Roman; font-size: 10pt;"><div style="text-align: left; margin-left: 63pt;"><table cellpadding="0" cellspacing="0" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt;"><tr><td style="background-color: #ffffff; width: 9pt; font-family: Symbol, serif; font-size: 10pt; vertical-align: top; align: right;">·</td><td style="width: auto; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; vertical-align: top;">The qualitative factor for changes in values of underlying collateral was decreased for residential and commercial real estate loans due to the fact that the impact from the serious flooding experienced in our primary market in the third quarter of 2011 was not as severe as originally expected.</td></tr></table></div><div style="text-align: left; margin-left: 63pt;"><table cellpadding="0" cellspacing="0" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt;"><tr><td style="width: 9pt; font-family: Symbol, serif; font-size: 10pt; vertical-align: top; align: right;">·</td><td style="width: auto; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; vertical-align: top;">The qualitative factors for changes in levels of and trends in delinquencies, impaired/classified loans were increased for residential real estate and commercial real estate due to the increase in non-performing loans for residential real estate and due to the increase in the Company's internal watch list for commercial real estate loans since December 31, 2011.</td></tr></table></div><div style="text-align: left; margin-left: 63pt;"><table cellpadding="0" cellspacing="0" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt;"><tr><td style="width: 9pt; font-family: Symbol, serif; font-size: 10pt; vertical-align: top; align: right;">·</td><td style="width: auto; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; vertical-align: top;">The qualitative factor for the existence and effect of any credit concentrations and changes in the level of such concentrations was increased for commercial real estate and other commercial loans due to the fact that certain companies associated with the natural gas industry appear to be leaving our area due to the current spot price for the natural gas produced in our primary market.</td></tr></table></div><div style="text-align: left; margin-left: 63pt;"><table cellpadding="0" cellspacing="0" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt;"><tr><td style="width: 9pt; font-family: Symbol, serif; font-size: 10pt; vertical-align: top; align: right;">·</td><td style="width: auto; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; vertical-align: top;">The qualitative factors for changes in industry conditions was increased for agricultural real estate loans and other agricultural loans due to the decrease in milk prices.</td></tr></table></div></div><div style="text-indent: 0pt; display: block; font-family: Times New Roman; font-size: 10pt;"> </div><div style="text-indent: 0pt; display: block; font-family: Times New Roman; font-size: 10pt;">Based on these qualitative factor changes for the three month period ended March 31, 2012 and the changes in size of the loan portfolios since December 31, 2011, we recorded a credit provision for residential real estate, consumer and other commercial loans. These changes also resulted in a decrease in the unallocated reserve.</div></div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div></div>
109000
0
81000
361000
65931000
63337000
210000
0
4855000
4780000
909426000
878567000
<div><div><div style="text-align: justify; text-indent: 0pt; display: block; font-family: Times New Roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Note 9 - Fair Value Measurements</div><div style="text-indent: 0pt; display: block;"> </div><div style="text-indent: 0pt; display: block;"><div style="text-indent: 0pt; display: block; font-family: Times New Roman; font-size: 10pt;">The Company established a hierarchal disclosure framework associated with the level of pricing observability utilized in measuring assets and liabilities at fair value. The three broad levels defined by this hierarchy are as follows:</div><div style="text-align: left; text-indent: 36pt; display: block; font-family: Times New Roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;"> </div><div><table cellpadding="0" cellspacing="0" style="width: 100%; font-family: times new roman; font-size: 10pt;"><tr><td align="left" valign="top" style="width: 13%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Level I:</div></td><td align="left" valign="top" style="width: 78%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Quoted prices are available in active markets for identical assets or liabilities as of the reported date.</div></td></tr></table></div><div style="text-align: left; text-indent: 36pt; display: block; font-family: Times New Roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;"> </div><div><table cellpadding="0" cellspacing="0" style="width: 100%; font-family: times new roman; font-size: 10pt;"><tr><td align="left" valign="top" style="width: 13%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Level II:</div></td><td align="left" valign="top" style="width: 78%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Pricing inputs are other than quoted prices in active markets, which are either directly or indirectly observable as of the reported date. The nature of these assets and liabilities include items for which quoted prices are available but traded less frequently, and items that are fair valued using other financial instruments, the parameters of which can be directly observed.</div></td></tr><tr><td align="left" valign="top" style="width: 13%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="left" valign="top" style="width: 78%; display: inline; font-family: times new roman; font-size: 10pt;">  </td></tr><tr><td align="left" valign="top" style="width: 13%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Level III:</div></td><td align="left" valign="top" style="width: 78%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Assets and liabilities that have little to no pricing observability as of the reported date. These items do not have two-way markets and are measured using management's best estimate of fair value, where the inputs into the determination of fair value require significant management judgment or estimation.</div></td></tr></table></div><div style="display: inline; font-family: Times New Roman; font-size: 10pt;"> </div><div style="display: inline; font-family: Times New Roman; font-size: 10pt;">A description of the valuation methodologies used for instruments measured at fair value, as well as the general classification of such instruments pursuant to the valuation hierarchy, is set forth below.</div><div style="text-indent: 0pt; display: block; font-family: Times New Roman; font-size: 10pt;"> </div><div style="text-indent: 0pt; display: block; font-family: Times New Roman; font-size: 10pt;">In general, fair value is based upon quoted market prices, where available. If such quoted market prices are not available, fair value is based upon internally developed models that primarily use, as inputs, observable market-based parameters. Valuation adjustments may be made to ensure that financial instruments are recorded at fair value. These adjustments may include amounts to reflect counterparty credit quality, the Company's creditworthiness, among other things, as well as unobservable parameters. Any such valuation adjustments are applied consistently over time. Our valuation methodologies may produce a fair value calculation that may not be indicative of net realizable value or reflective of future fair values. While management believes the Company's valuation methodologies are appropriate and consistent with other market participants, the use of different methodologies or assumptions to determine the fair value of certain financial instruments could result in a different estimate of fair value at the reporting date. Transfers between levels of the fair value hierarchy are recognized on the actual date of the event or circumstances that caused the transfer, which generally coincides with the Company's monthly and/or quarterly valuation process</div><div style="text-indent: 0pt; display: block;"><br /></div><div style="text-align: left; text-indent: 0pt; display: block; font-family: Times New Roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Financial Instruments Recorded at Fair Value on a Recurring Basis</div><div style="text-align: justify; text-indent: 0pt; display: block; font-family: Times New Roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;"> </div><div style="text-align: justify; text-indent: 0pt; display: block; font-family: Times New Roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">The fair values of securities available for sale are determined by quoted prices in active markets, when available, and classified as Level I. If quoted market prices are not available, the fair value is determined by a matrix pricing, which is a mathematical technique, widely used in the industry to value debt securities without relying exclusively on quoted prices for the specific securities but rather by relying on the securities' relationship to other benchmark quoted securities and classified as Level II. The fair values consider observable data that may include dealer quotes, market spreads, cash flows, the U.S. Treasury yield curve, live trading levels, trade execution data, market consensus prepayment speeds, credit information and the bond's terms and conditions, among other things. In cases where significant credit valuation adjustments are incorporated into the estimation of fair value, reported amounts are classified as Level III inputs.</div><div style="text-align: justify; text-indent: 0pt; display: block; margin-left: 0pt; margin-right: 0pt;"> </div><div style="text-align: justify; text-indent: 0pt; display: block; font-family: Times New Roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Currently, we use an interest rate swap, which is a derivative, to manage our interest rate risk related to the trust preferred security. The valuation of this instrument is determined using widely accepted valuation techniques including discounted cash flow analysis on the expected cash flows of each derivative and classified as Level II. This analysis reflects the contractual terms of the derivatives, including the period to maturity, and uses observable market-based inputs, including LIBOR rate curves. We also obtain dealer quotations for these derivatives for comparative purposes to assess the reasonableness of the model valuations.</div><div style="text-align: justify; text-indent: 0pt; display: block; font-family: Times New Roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;"> </div><div style="text-align: justify; text-indent: 0pt; display: block; font-family: Times New Roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">The following tables present the assets and liabilities reported on the consolidated balance sheet at their fair value on a recurring basis as of March 31, 2012 and December 31, 2011 by level within the fair value hierarchy (in thousands). Financial assets and liabilities are classified in their entirety based on the lowest level of input that is significant to the fair value measurement.</div><div style="text-indent: 0pt; display: block;"><br /></div><div style="text-align: left;"><table cellpadding="0" cellspacing="0" style="width: 80%; font-family: times new roman; font-size: 10pt;"><tr><td align="left" valign="bottom" style="width: 30%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="left" valign="bottom" style="width: 2%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td colspan="8" valign="bottom" style="border-bottom: black 2px solid; width: 54%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">March 31, 2012</div></td></tr><tr><td align="left" valign="bottom" style="width: 30%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="left" valign="bottom" style="width: 2%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Level I</div></td><td valign="bottom" style="width: 2%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="border-bottom: black 2px solid; width: 13%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Level II</div></td><td valign="bottom" style="width: 2%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="border-bottom: black 2px solid; width: 11%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Level III</div></td><td valign="bottom" style="width: 2%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="width: 2%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="border-bottom: black 2px solid; width: 13%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Total</div></td></tr><tr><td align="left" valign="bottom" style="width: 30%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Fair value measurements on a recurring basis:</div></td><td align="left" valign="bottom" style="width: 2%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="left" valign="bottom" style="width: 9%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="left" valign="bottom" style="width: 2%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="left" valign="bottom" style="width: 13%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="left" valign="bottom" style="width: 2%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="left" valign="bottom" style="width: 11%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="left" valign="bottom" style="width: 2%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="left" valign="bottom" style="width: 2%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="left" valign="bottom" style="width: 13%; display: inline; font-family: times new roman; font-size: 10pt;">  </td></tr><tr><td align="left" valign="bottom" style="width: 30%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Assets</div></td><td align="left" valign="bottom" style="width: 2%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="left" valign="bottom" style="width: 9%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="left" valign="bottom" style="width: 2%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="left" valign="bottom" style="width: 13%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="left" valign="bottom" style="width: 2%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="left" valign="bottom" style="width: 11%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="left" valign="bottom" style="width: 2%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="left" valign="bottom" style="width: 2%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="left" valign="bottom" style="width: 13%; display: inline; font-family: times new roman; font-size: 10pt;">  </td></tr><tr><td align="left" valign="top" style="width: 30%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">  Securities available for sale:</div></td><td align="left" valign="bottom" style="width: 2%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="left" valign="bottom" style="width: 9%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="left" valign="bottom" style="width: 2%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="left" valign="bottom" style="width: 13%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="left" valign="bottom" style="width: 2%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="left" valign="bottom" style="width: 11%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="left" valign="bottom" style="width: 2%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="left" valign="bottom" style="width: 2%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="left" valign="bottom" style="width: 13%; display: inline; font-family: times new roman; font-size: 10pt;">  </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 30%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">     U.S. Agency securities</div></td><td align="left" valign="bottom" style="width: 2%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;"> $                -</div></td><td align="right" valign="bottom" style="width: 2%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="right" valign="bottom" style="width: 13%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;"> $             173,630</div></td><td align="right" valign="bottom" style="width: 2%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="right" valign="bottom" style="width: 11%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;"> $                    -</div></td><td align="right" valign="bottom" style="width: 2%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="right" valign="bottom" style="width: 2%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="right" valign="bottom" style="width: 13%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;"> $             173,630</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 30%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">     U.S. Treasury securities</div></td><td valign="bottom" style="width: 2%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="width: 9%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="width: 2%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="right" valign="bottom" style="width: 13%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">3,958</div></td><td valign="bottom" style="width: 2%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="width: 11%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="width: 2%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="width: 2%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="right" valign="bottom" style="width: 13%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">3,958</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 30%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">     Obligations of state and</div></td><td align="left" valign="bottom" style="width: 2%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="right" valign="bottom" style="width: 9%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="right" valign="bottom" style="width: 2%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="right" valign="bottom" style="width: 13%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="right" valign="bottom" style="width: 2%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="right" valign="bottom" style="width: 11%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="right" valign="bottom" style="width: 2%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="right" valign="bottom" style="width: 2%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="right" valign="bottom" style="width: 13%; display: inline; font-family: times new roman; font-size: 10pt;">  </td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 30%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">        political subdivisions</div></td><td align="left" valign="bottom" style="width: 2%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">                   -</div></td><td align="right" valign="bottom" style="width: 2%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="right" valign="bottom" style="width: 13%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">100,766</div></td><td align="right" valign="bottom" style="width: 2%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="right" valign="bottom" style="width: 11%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">                       -</div></td><td align="right" valign="bottom" style="width: 2%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="right" valign="bottom" style="width: 2%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="right" valign="bottom" style="width: 13%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">100,766</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 30%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">     Corporate obligations</div></td><td align="left" valign="bottom" style="width: 2%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">                   -</div></td><td align="right" valign="bottom" style="width: 2%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="right" valign="bottom" style="width: 13%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">11,163</div></td><td align="right" valign="bottom" style="width: 2%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="right" valign="bottom" style="width: 11%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">                       -</div></td><td align="right" valign="bottom" style="width: 2%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="right" valign="bottom" style="width: 2%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="right" valign="bottom" style="width: 13%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">11,163</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 30%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">     Mortgage-backed securities in</div></td><td align="left" valign="bottom" style="width: 2%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="right" valign="bottom" style="width: 9%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="right" valign="bottom" style="width: 2%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="right" valign="bottom" style="width: 13%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="right" valign="bottom" style="width: 2%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="right" valign="bottom" style="width: 11%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="right" valign="bottom" style="width: 2%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="right" valign="bottom" style="width: 2%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="right" valign="bottom" style="width: 13%; display: inline; font-family: times new roman; font-size: 10pt;">  </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 30%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">       government sponsored entities</div></td><td align="left" valign="bottom" style="width: 2%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">                   -</div></td><td align="right" valign="bottom" style="width: 2%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="right" valign="bottom" style="width: 13%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">71,397</div></td><td align="right" valign="bottom" style="width: 2%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="right" valign="bottom" style="width: 11%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">                       -</div></td><td align="right" valign="bottom" style="width: 2%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="right" valign="bottom" style="width: 2%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="right" valign="bottom" style="width: 13%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">71,397</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 30%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">     Equity securities in financial</div></td><td align="left" valign="bottom" style="width: 2%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="right" valign="bottom" style="width: 9%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="right" valign="bottom" style="width: 2%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="right" valign="bottom" style="width: 13%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="right" valign="bottom" style="width: 2%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="right" valign="bottom" style="width: 11%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="right" valign="bottom" style="width: 2%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="right" valign="bottom" style="width: 2%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="right" valign="bottom" style="width: 13%; display: inline; font-family: times new roman; font-size: 10pt;">  </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 30%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">       institutions</div></td><td align="left" valign="bottom" style="width: 2%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">           1,234</div></td><td align="right" valign="bottom" style="width: 2%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="right" valign="bottom" style="width: 13%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">                            -</div></td><td align="right" valign="bottom" style="width: 2%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="right" valign="bottom" style="width: 11%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">                       -</div></td><td align="right" valign="bottom" style="width: 2%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="right" valign="bottom" style="width: 2%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="right" valign="bottom" style="width: 13%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">1,234</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 30%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Liabilities</div></td><td align="left" valign="bottom" style="width: 2%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="right" valign="bottom" style="width: 9%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="right" valign="bottom" style="width: 2%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="right" valign="bottom" style="width: 13%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="right" valign="bottom" style="width: 2%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="right" valign="bottom" style="width: 11%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="right" valign="bottom" style="width: 2%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="right" valign="bottom" style="width: 2%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="right" valign="bottom" style="width: 13%; display: inline; font-family: times new roman; font-size: 10pt;">  </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 30%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">   Trust Preferred Interest Rate Swap</div></td><td align="left" valign="bottom" style="width: 2%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">                   -</div></td><td align="right" valign="bottom" style="width: 2%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="right" valign="bottom" style="width: 13%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">(327)</div></td><td align="right" valign="bottom" style="width: 2%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="right" valign="bottom" style="width: 11%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">                       -</div></td><td align="right" valign="bottom" style="width: 2%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="right" valign="bottom" style="width: 2%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="right" valign="bottom" style="width: 13%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">(327)</div></td></tr></table></div><div style="text-indent: 0pt; display: block;"><br /></div><div style="text-align: left;"><table cellpadding="0" cellspacing="0" style="width: 80%; font-family: times new roman; font-size: 10pt;"><tr><td align="left" valign="bottom" style="width: 30%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="left" valign="bottom" style="width: 2%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td colspan="8" valign="bottom" style="border-bottom: black 2px solid; width: 54%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">December 31, 2011</div></td></tr><tr><td align="left" valign="bottom" style="width: 30%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="left" valign="bottom" style="width: 2%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Level I</div></td><td valign="bottom" style="width: 2%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="border-bottom: black 2px solid; width: 13%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Level II</div></td><td valign="bottom" style="width: 2%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="border-bottom: black 2px solid; width: 11%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Level III</div></td><td valign="bottom" style="width: 2%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="width: 2%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="border-bottom: black 2px solid; width: 13%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Total</div></td></tr><tr><td align="left" valign="bottom" style="width: 30%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Fair value measurements on a recurring basis:</div></td><td align="left" valign="bottom" style="width: 2%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="left" valign="bottom" style="width: 9%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="left" valign="bottom" style="width: 2%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="left" valign="bottom" style="width: 13%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="left" valign="bottom" style="width: 2%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="left" valign="bottom" style="width: 11%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="left" valign="bottom" style="width: 2%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="left" valign="bottom" style="width: 2%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="left" valign="bottom" style="width: 13%; display: inline; font-family: times new roman; font-size: 10pt;">  </td></tr><tr><td align="left" valign="bottom" style="width: 30%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Assets</div></td><td align="left" valign="bottom" style="width: 2%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="left" valign="bottom" style="width: 9%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="left" valign="bottom" style="width: 2%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="left" valign="bottom" style="width: 13%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="left" valign="bottom" style="width: 2%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="left" valign="bottom" style="width: 11%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="left" valign="bottom" style="width: 2%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="left" valign="bottom" style="width: 2%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="left" valign="bottom" style="width: 13%; display: inline; font-family: times new roman; font-size: 10pt;">  </td></tr><tr><td align="left" valign="top" style="width: 30%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">  Securities available for sale:</div></td><td align="left" valign="bottom" style="width: 2%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="left" valign="bottom" style="width: 9%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="left" valign="bottom" style="width: 2%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="left" valign="bottom" style="width: 13%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="left" valign="bottom" style="width: 2%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="left" valign="bottom" style="width: 11%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="left" valign="bottom" style="width: 2%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="left" valign="bottom" style="width: 2%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="left" valign="bottom" style="width: 13%; display: inline; font-family: times new roman; font-size: 10pt;">  </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 30%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">     U.S. Agency securities</div></td><td valign="bottom" style="text-align: right; width: 2%; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;"> $                -</div></td><td valign="bottom" style="text-align: right; width: 2%; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="text-align: right; width: 13%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;"> $             168,600</div></td><td valign="bottom" style="text-align: right; width: 2%; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="text-align: right; width: 11%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;"> $                    -</div></td><td valign="bottom" style="text-align: right; width: 2%; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="text-align: right; width: 2%; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="text-align: right; width: 13%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;"> $             168,600</div></td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 30%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">     Obligations of state and</div></td><td valign="bottom" style="text-align: right; width: 2%; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="text-align: right; width: 9%; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="text-align: right; width: 2%; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="text-align: right; width: 13%; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="text-align: right; width: 2%; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="text-align: right; width: 11%; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="text-align: right; width: 2%; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="text-align: right; width: 2%; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="text-align: right; width: 13%; font-family: times new roman; font-size: 10pt;">  </td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: left; width: 30%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">          political subdivisions</div></td><td valign="bottom" style="text-align: right; width: 2%; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">                   -</div></td><td valign="bottom" style="text-align: right; width: 2%; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="text-align: right; width: 13%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">101,547</div></td><td valign="bottom" style="text-align: right; width: 2%; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="text-align: right; width: 11%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">                       -</div></td><td valign="bottom" style="text-align: right; width: 2%; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="text-align: right; width: 2%; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="text-align: right; width: 13%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">101,547</div></td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 30%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">     Corporate obligations</div></td><td valign="bottom" style="text-align: right; width: 2%; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">                   -</div></td><td valign="bottom" style="text-align: right; width: 2%; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="text-align: right; width: 13%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">8,460</div></td><td valign="bottom" style="text-align: right; width: 2%; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="text-align: right; width: 11%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">                       -</div></td><td valign="bottom" style="text-align: right; width: 2%; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="text-align: right; width: 2%; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="text-align: right; width: 13%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">8,460</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: left; width: 30%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">     Mortgage-backed securities in</div></td><td valign="bottom" style="text-align: right; width: 2%; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="text-align: right; width: 9%; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="text-align: right; width: 2%; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="text-align: right; width: 13%; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="text-align: right; width: 2%; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="text-align: right; width: 11%; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="text-align: right; width: 2%; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="text-align: right; width: 2%; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="text-align: right; width: 13%; font-family: times new roman; font-size: 10pt;">  </td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 30%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">          government sponsored entities</div></td><td valign="bottom" style="text-align: right; width: 2%; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">                   -</div></td><td valign="bottom" style="text-align: right; width: 2%; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="text-align: right; width: 13%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">38,974</div></td><td valign="bottom" style="text-align: right; width: 2%; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="text-align: right; width: 11%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">                       -</div></td><td valign="bottom" style="text-align: right; width: 2%; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="text-align: right; width: 2%; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="text-align: right; width: 13%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">38,974</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: left; width: 30%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">     Equity securities in financial</div></td><td valign="bottom" style="text-align: right; width: 2%; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="text-align: right; width: 9%; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="text-align: right; width: 2%; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="text-align: right; width: 13%; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="text-align: right; width: 2%; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="text-align: right; width: 11%; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="text-align: right; width: 2%; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="text-align: right; width: 2%; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="text-align: right; width: 13%; font-family: times new roman; font-size: 10pt;">  </td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 30%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">          institutions</div></td><td valign="bottom" style="text-align: right; width: 2%; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">1,242</div></td><td valign="bottom" style="text-align: right; width: 2%; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="text-align: right; width: 13%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">                            -</div></td><td valign="bottom" style="text-align: right; width: 2%; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="text-align: right; width: 11%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">                       -</div></td><td valign="bottom" style="text-align: right; width: 2%; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="text-align: right; width: 2%; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="text-align: right; width: 13%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">1,242</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: left; width: 30%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Liabilities</div></td><td valign="bottom" style="text-align: right; width: 2%; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="text-align: right; width: 9%; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="text-align: right; width: 2%; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="text-align: right; width: 13%; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="text-align: right; width: 2%; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="text-align: right; width: 11%; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="text-align: right; width: 2%; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="text-align: right; width: 2%; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="text-align: right; width: 13%; font-family: times new roman; font-size: 10pt;">  </td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 30%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">   Trust Preferred Interest Rate Swap</div></td><td valign="bottom" style="text-align: right; width: 2%; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">                   -</div></td><td valign="bottom" style="text-align: right; width: 2%; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="text-align: right; width: 13%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">(348)</div></td><td valign="bottom" style="text-align: right; width: 2%; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="text-align: right; width: 11%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">                       -</div></td><td valign="bottom" style="text-align: right; width: 2%; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="text-align: right; width: 2%; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="text-align: right; width: 13%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">(348)</div></td></tr></table></div><div style="text-indent: 0pt; display: block;"><br /></div><div style="text-align: justify; text-indent: 0pt; display: block; font-family: Times New Roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Financial Instruments Recorded at Fair Value on a Nonrecurring Basis</div><div style="text-indent: 0pt; display: block; font-family: Times New Roman; font-size: 10pt;"> </div><div style="text-indent: 0pt; display: block; font-family: Times New Roman; font-size: 10pt;">The Company may be required, from time to time, to measure certain financial assets and financial liabilities at fair value on a nonrecurring basis in accordance with U.S. generally accepted accounting principles. These include assets that are measured at the lower of cost or market value that were recognized at fair value below cost at the end of the period.</div><div style="text-align: justify; text-indent: 0pt; display: block; margin-left: 0pt; margin-right: 0pt;"> </div><div style="text-align: left; text-indent: 0pt; display: block; font-family: Times New Roman; margin-left: 36pt; font-size: 10pt; margin-right: 0pt;"><font style="font-style: italic; display: inline; font-weight: bold;">Impaired Loans- </font>Loans for which it is probable that payment of interest and principal will not be made in accordance with the contractual terms of the loan agreement are considered impaired. The fair value of impaired loans is estimated using one of several methods, including collateral value, liquidation value and discounted cash flows. For those loans valued utilizing collateral value or liquidation value consideration is given to the time since an appraisal was performed, selling costs including legal fees and the length of time it will take to sell the collateral. Those impaired loans not requiring an allowance represent loans for which the fair value of the expected repayments or collateral exceed the recorded investments in such loans. Collateral values are estimated using Level II inputs based on observable market data or Level III inputs based on customized discounting criteria. For a majority of impaired real estate related loans, the Company obtains a current external appraisal. Other valuation techniques are used as well, including internal valuations, comparable property analysis and contractual sales information.</div><div style="text-align: justify; text-indent: 0pt; display: block; margin-left: 0pt; margin-right: 0pt;"> </div><div style="text-align: justify; text-indent: 0pt; display: block; font-family: Times New Roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Non-Financial Assets and Non-Financial Liabilities Recorded at Fair Value</div><div style="text-indent: 0pt; display: block; font-family: Times New Roman; font-size: 10pt;"> </div><div style="text-indent: 0pt; display: block; font-family: Times New Roman; font-size: 10pt;">The Corporation has no non-financial assets or non-financial liabilities measured at fair value on a recurring basis. Certain non-financial assets measured at fair value on a non-recurring basis include foreclosed assets (upon initial recognition or subsequent impairment), non-financial assets and non-financial liabilities measured at fair value in the second step of a goodwill impairment test, and intangible assets and other non-financial long-lived assets measured at fair value for impairment assessment. Non-financial assets measured at fair value on a non-recurring basis during 2012 and 2011 include certain foreclosed assets which, upon initial recognition, were remeasured and reported at fair value through a charge-off to the allowance for possible loan losses and certain foreclosed assets which, subsequent to their initial recognition, were remeasured at fair value through a write-down included in other non-interest expense. The fair value of a foreclosed asset is estimated using Level III inputs based on customized discounting criteria. The criteria utilized includes an external appraisal, length of time since the appraisal was obtained, selling costs including legal fees and the length of time it will take to sell the collateral.</div><div style="text-indent: 0pt; display: block; font-family: Times New Roman; font-size: 10pt;"> </div><div style="text-indent: 0pt; display: block; font-family: Times New Roman; font-size: 10pt;">Assets measured at fair value on a nonrecurring basis as of March 31, 2012 and December 31, 2011 are included in the table below (in thousands):</div><div style="text-indent: 0pt; display: block;"><br /></div><div style="text-align: left;"><table cellpadding="0" cellspacing="0" style="width: 80%; font-family: times new roman; font-size: 10pt;"><tr><td align="left" valign="bottom" style="width: 17%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="left" valign="bottom" style="width: 2%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td colspan="8" valign="bottom" style="border-bottom: black 2px solid; width: 54%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">March 31, 2012</div></td></tr><tr><td align="left" valign="bottom" style="width: 17%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="left" valign="bottom" style="width: 2%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Level I</div></td><td valign="bottom" style="width: 2%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="border-bottom: black 2px solid; width: 13%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Level II</div></td><td valign="bottom" style="width: 2%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="border-bottom: black 2px solid; width: 11%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Level III</div></td><td valign="bottom" style="width: 2%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="width: 2%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="border-bottom: black 2px solid; width: 13%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Total</div></td></tr><tr><td align="left" valign="bottom" style="width: 17%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="left" valign="bottom" style="width: 2%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="left" valign="bottom" style="width: 9%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="left" valign="bottom" style="width: 2%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="left" valign="bottom" style="width: 13%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="left" valign="bottom" style="width: 2%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="left" valign="bottom" style="width: 11%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="left" valign="bottom" style="width: 2%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="left" valign="bottom" style="width: 2%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="left" valign="bottom" style="width: 13%; display: inline; font-family: times new roman; font-size: 10pt;">  </td></tr><tr bgcolor="white"><td align="left" valign="top" style="width: 17%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Impaired Loans</div></td><td align="left" valign="top" style="width: 2%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;"> $                -</div></td><td align="right" valign="bottom" style="width: 2%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="right" valign="bottom" style="width: 13%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;"> $                         -</div></td><td align="right" valign="bottom" style="width: 2%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="right" valign="bottom" style="width: 11%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;"> $            8,325</div></td><td align="right" valign="bottom" style="width: 2%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="right" valign="bottom" style="width: 2%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="right" valign="bottom" style="width: 13%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;"> $                 8,325</div></td></tr><tr bgcolor="white"><td align="left" valign="top" style="width: 17%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Other real estate owned</div></td><td align="left" valign="bottom" style="width: 2%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">                   -</div></td><td align="right" valign="bottom" style="width: 2%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="text-align: right; width: 13%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">                            -</div></td><td align="right" valign="bottom" style="width: 2%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="right" valign="bottom" style="width: 11%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">836</div></td><td align="right" valign="bottom" style="width: 2%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="right" valign="bottom" style="width: 2%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="right" valign="bottom" style="width: 13%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">836</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 17%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="left" valign="bottom" style="width: 2%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="left" valign="bottom" style="width: 9%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="left" valign="bottom" style="width: 2%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="left" valign="bottom" style="width: 13%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="left" valign="bottom" style="width: 2%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="left" valign="bottom" style="width: 11%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="left" valign="bottom" style="width: 2%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="left" valign="bottom" style="width: 2%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="left" valign="bottom" style="width: 13%; display: inline; font-family: times new roman; font-size: 10pt;">  </td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 17%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="left" valign="bottom" style="width: 2%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td colspan="8" valign="bottom" style="border-bottom: black 2px solid; width: 54%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">December 31, 2011</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 17%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="left" valign="bottom" style="width: 2%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Level I</div></td><td valign="bottom" style="width: 2%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="border-bottom: black 2px solid; width: 13%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Level II</div></td><td valign="bottom" style="width: 2%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="border-bottom: black 2px solid; width: 11%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Level III</div></td><td valign="bottom" style="width: 2%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="width: 2%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="border-bottom: black 2px solid; width: 13%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Total</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 17%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="left" valign="bottom" style="width: 2%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="left" valign="bottom" style="width: 9%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="left" valign="bottom" style="width: 2%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="left" valign="bottom" style="width: 13%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="left" valign="bottom" style="width: 2%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="left" valign="bottom" style="width: 11%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="left" valign="bottom" style="width: 2%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="left" valign="bottom" style="width: 2%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="left" valign="bottom" style="width: 13%; display: inline; font-family: times new roman; font-size: 10pt;">  </td></tr><tr bgcolor="white"><td align="left" valign="top" style="width: 17%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Impaired Loans</div></td><td align="left" valign="top" style="width: 2%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;"> $                -</div></td><td align="right" valign="bottom" style="width: 2%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="right" valign="bottom" style="width: 13%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;"> $                         -</div></td><td align="right" valign="bottom" style="width: 2%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="right" valign="bottom" style="width: 11%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;"> $            8,387</div></td><td align="right" valign="bottom" style="width: 2%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="right" valign="bottom" style="width: 2%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="right" valign="bottom" style="width: 13%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;"> $                 8,387</div></td></tr><tr bgcolor="white"><td align="left" valign="top" style="width: 17%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Other real estate owned</div></td><td align="left" valign="bottom" style="width: 2%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">                   -</div></td><td align="right" valign="bottom" style="width: 2%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="text-align: right; width: 13%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">                            -</div></td><td align="right" valign="bottom" style="width: 2%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="text-align: right; width: 11%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">                  860</div></td><td align="right" valign="bottom" style="width: 2%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="right" valign="bottom" style="width: 2%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="right" valign="bottom" style="width: 13%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">860</div></td></tr></table></div><div style="text-indent: 0pt; display: block; font-family: Times New Roman; font-size: 10pt;"> </div><div style="text-indent: 0pt; display: block; font-family: Times New Roman; font-size: 10pt;">The following table provides a listing of the significant unobservable inputs used in the fair value measurement process for items valued utilizing level III techniques.</div><div style="text-indent: 0pt; display: block;"> </div><div style="text-align: left;"><table cellpadding="0" cellspacing="0" style="width: 80%; font-family: times new roman; font-size: 10pt;"><tr><td colspan="5" valign="bottom" style="width: 85%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Quantitative Information about Level III Fair Value Measurements</div></td></tr><tr><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 16%; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="border-bottom: black 2px solid; width: 13%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Fair Value at March 31, 2012</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 22%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Valuation Technique(s)</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 24%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Unobservable input</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Range</div></td></tr><tr><td align="left" valign="top" style="width: 16%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Impaired Loans</div></td><td align="right" valign="bottom" style="width: 13%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;"> $      5,395</div></td><td align="left" valign="bottom" style="width: 22%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">   Discounted Cash Flows</div></td><td align="left" valign="bottom" style="width: 24%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Probability of Default</div></td><td valign="bottom" style="width: 10%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">0%-5%</div></td></tr><tr><td valign="bottom" style="width: 16%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="width: 13%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="width: 22%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="left" valign="bottom" style="width: 24%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Change in interest rates</div></td><td valign="bottom" style="width: 10%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">0-7%</div></td></tr><tr><td valign="bottom" style="width: 16%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="width: 13%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="width: 22%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="width: 24%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="width: 10%; display: inline; font-family: times new roman; font-size: 10pt;">  </td></tr><tr><td valign="bottom" style="width: 16%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="right" valign="bottom" style="width: 13%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">         2,930</div></td><td align="left" valign="bottom" style="width: 22%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">   Appraised Collateral Values</div></td><td align="left" valign="bottom" style="width: 24%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Discount for time since appraisal</div></td><td valign="bottom" style="width: 10%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">0-20%</div></td></tr><tr><td valign="bottom" style="width: 16%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="width: 13%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="width: 22%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="left" valign="bottom" style="width: 24%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Selling costs</div></td><td valign="bottom" style="width: 10%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">0%-10%</div></td></tr><tr><td valign="bottom" style="width: 16%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="width: 13%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="width: 22%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="left" valign="bottom" style="width: 24%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Holding period</div></td><td valign="bottom" style="width: 10%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">0 - 18 months</div></td></tr><tr><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 16%; font-family: times new roman; font-size: 10pt;">  </td><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 13%; font-family: times new roman; font-size: 10pt;">  </td><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 22%; font-family: times new roman; font-size: 10pt;">  </td><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 24%; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="border-bottom: black 2px solid; width: 10%; font-family: times new roman; font-size: 10pt;">  </td></tr><tr><td align="left" valign="top" style="width: 16%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Other real estate owned</div></td><td align="right" valign="bottom" style="width: 13%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">836</div></td><td align="left" valign="bottom" style="width: 22%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">   Appraised Collateral Values</div></td><td align="left" valign="bottom" style="width: 24%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Discount for time since appraisal</div></td><td valign="bottom" style="width: 10%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">0-20%</div></td></tr><tr><td valign="bottom" style="width: 16%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="width: 13%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="width: 22%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="left" valign="bottom" style="width: 24%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Selling costs</div></td><td valign="bottom" style="width: 10%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">0%-10%</div></td></tr><tr><td valign="bottom" style="width: 16%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="width: 13%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="width: 22%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="left" valign="bottom" style="width: 24%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Holding period</div></td><td valign="bottom" style="width: 10%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">0 - 18 months</div></td></tr></table></div><div style="text-indent: 0pt; display: block; font-family: Times New Roman; font-size: 10pt;"> </div><div style="text-indent: 0pt; display: block; font-family: Times New Roman; font-size: 10pt;">The fair values of the Company's financial instruments are as follows (in thousands):</div><div style="text-indent: 0pt; display: block;"><br /></div><div style="text-align: left;"><table cellpadding="0" cellspacing="0" style="width: 80%; font-family: times new roman; font-size: 10pt;"><tr><td align="left" valign="bottom" style="width: 23%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="width: 9%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Carrying</div></td><td valign="bottom" style="width: 9%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="left" valign="bottom" style="width: 9%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="width: 9%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="width: 9%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="left" valign="bottom" style="width: 9%; display: inline; font-family: times new roman; font-size: 10pt;">  </td></tr><tr><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 23%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">March 31, 2012</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Amount</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Fair Value</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Level I</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Level II</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Level III</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Total</div></td></tr><tr><td align="left" valign="bottom" style="width: 23%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Financial assets:</div></td><td align="left" valign="bottom" style="width: 9%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="left" valign="bottom" style="width: 9%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="left" valign="bottom" style="width: 9%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="left" valign="bottom" style="width: 9%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="left" valign="bottom" style="width: 9%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="left" valign="bottom" style="width: 9%; display: inline; font-family: times new roman; font-size: 10pt;">  </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 23%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Cash and due from banks</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;"> $    11,837</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;"> $    11,837</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;"> $    11,837</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;"> $              -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;"> $              -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;"> $    11,837</div></td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 23%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Available-for-sale securities</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">     362,148</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">     362,148</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">         1,234</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">     360,914</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">                 -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">     362,148</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: left; width: 23%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Net loans</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">     484,747</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">     527,358</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">                 -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">                 -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">     527,358</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">     527,358</div></td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 23%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Bank owned life insurance</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">       13,794</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">       13,794</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">       13,794</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">                 -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">                 -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">       13,794</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: left; width: 23%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Regulatory stock</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">         4,681</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">         4,681</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">         4,681</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">                 -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">                 -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">         4,681</div></td></tr><tr bgcolor="white"><td valign="bottom" style="border-bottom: black 2px solid; text-align: left; width: 23%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Accrued interest receivable</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">         4,305</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">         4,305</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">4,305</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">                 -</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">                 -</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">         4,305</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: right; width: 23%; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="text-align: right; width: 9%; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="text-align: right; width: 9%; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="text-align: right; width: 9%; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="text-align: right; width: 9%; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="text-align: right; width: 9%; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="text-align: right; width: 9%; font-family: times new roman; font-size: 10pt;">  </td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 23%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Financial liabilities:</div></td><td valign="bottom" style="text-align: right; width: 9%; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="text-align: right; width: 9%; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="text-align: right; width: 9%; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="text-align: right; width: 9%; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="text-align: right; width: 9%; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="text-align: right; width: 9%; font-family: times new roman; font-size: 10pt;">  </td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: left; width: 23%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Deposits</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;"> $  742,826</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;"> $  749,160</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;"> $  446,172</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;"> $              -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;"> $  302,988</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;"> $  749,160</div></td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 23%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Borrowed funds</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">       72,768</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">       70,466</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">                 -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">       70,466</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">                 -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">       70,466</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: left; width: 23%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Trust preferred interest rate swap</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">            327</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">            327</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">                 -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">            327</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">                 -</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">            327</div></td></tr><tr bgcolor="white"><td valign="bottom" style="border-bottom: black 2px solid; text-align: left; width: 23%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Accrued interest payable</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">         1,320</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">         1,320</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">1,320</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">                 -</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">                 -</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">         1,320</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 23%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="left" valign="bottom" style="width: 9%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="left" valign="bottom" style="width: 9%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="left" valign="bottom" style="width: 9%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="left" valign="bottom" style="width: 9%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="left" valign="bottom" style="width: 9%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="left" valign="bottom" style="width: 9%; display: inline; font-family: times new roman; font-size: 10pt;">  </td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 23%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="left" valign="bottom" style="width: 9%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="left" valign="bottom" style="width: 9%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="left" valign="bottom" style="width: 9%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="left" valign="bottom" style="width: 9%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="width: 9%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Carrying</div></td><td valign="bottom" style="width: 9%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Estimated</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 23%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">December 31, 2011</div></td><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 9%; font-family: times new roman; font-size: 10pt;">  </td><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 9%; font-family: times new roman; font-size: 10pt;">  </td><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 9%; font-family: times new roman; font-size: 10pt;">  </td><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 9%; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Amount</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Fair Value</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 23%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Financial assets:</div></td><td align="left" valign="bottom" style="width: 9%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="left" valign="bottom" style="width: 9%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="left" valign="bottom" style="width: 9%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="left" valign="bottom" style="width: 9%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="left" valign="bottom" style="width: 9%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="left" valign="bottom" style="width: 9%; display: inline; font-family: times new roman; font-size: 10pt;">  </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 23%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Cash and cash equivalents</div></td><td align="left" valign="bottom" style="width: 9%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="left" valign="bottom" style="width: 9%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="left" valign="bottom" style="width: 9%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td align="left" valign="bottom" style="width: 9%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;"> $    30,432</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;"> $    30,432</div></td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 23%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Available-for-sale securities</div></td><td valign="bottom" style="text-align: right; width: 9%; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="text-align: right; width: 9%; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="text-align: right; width: 9%; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="text-align: right; width: 9%; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">     318,823</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">     318,823</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: left; width: 23%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Net loans</div></td><td valign="bottom" style="text-align: right; width: 9%; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="text-align: right; width: 9%; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="text-align: right; width: 9%; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="text-align: right; width: 9%; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">     481,022</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">     527,724</div></td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 23%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Bank owned life insurance</div></td><td valign="bottom" style="text-align: right; width: 9%; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="text-align: right; width: 9%; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="text-align: right; width: 9%; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="text-align: right; width: 9%; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">       13,669</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">       13,669</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: left; width: 23%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Regulatory stock</div></td><td valign="bottom" style="text-align: right; width: 9%; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="text-align: right; width: 9%; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="text-align: right; width: 9%; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="text-align: right; width: 9%; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">         3,301</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">         3,301</div></td></tr><tr bgcolor="white"><td valign="bottom" style="border-bottom: black 2px solid; text-align: left; width: 23%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Accrued interest receivable</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 9%; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 9%; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 9%; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 9%; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">         3,621</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">         3,621</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: right; width: 23%; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="text-align: right; width: 9%; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="text-align: right; width: 9%; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="text-align: right; width: 9%; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="text-align: right; width: 9%; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="text-align: right; width: 9%; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="text-align: right; width: 9%; font-family: times new roman; font-size: 10pt;">  </td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 23%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Financial liabilities:</div></td><td valign="bottom" style="text-align: right; width: 9%; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="text-align: right; width: 9%; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="text-align: right; width: 9%; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="text-align: right; width: 9%; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="text-align: right; width: 9%; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="text-align: right; width: 9%; font-family: times new roman; font-size: 10pt;">  </td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: left; width: 23%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Deposits</div></td><td valign="bottom" style="text-align: right; width: 9%; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="text-align: right; width: 9%; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="text-align: right; width: 9%; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="text-align: right; width: 9%; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;"> $  733,993</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;"> $  740,839</div></td></tr><tr bgcolor="white"><td valign="bottom" style="text-align: left; width: 23%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Borrowed funds</div></td><td valign="bottom" style="text-align: right; width: 9%; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="text-align: right; width: 9%; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="text-align: right; width: 9%; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="text-align: right; width: 9%; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">       53,882</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">       51,437</div></td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="text-align: left; width: 23%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Trust preferred interest rate swap</div></td><td valign="bottom" style="text-align: right; width: 9%; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="text-align: right; width: 9%; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="text-align: right; width: 9%; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="text-align: right; width: 9%; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">            348</div></td><td valign="bottom" style="text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">            348</div></td></tr><tr bgcolor="white"><td valign="bottom" style="border-bottom: black 2px solid; text-align: left; width: 23%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Accrued interest payable</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 9%; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 9%; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 9%; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 9%; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">         1,512</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">         1,512</div></td></tr></table></div><div style="text-indent: 0pt; display: block; font-family: Times New Roman; font-size: 10pt;"> </div><div style="text-indent: 0pt; display: block; font-family: Times New Roman; font-size: 10pt;">Fair value is determined, based on relevant market information and information about the financial instrument.  These estimates do not reflect any premium or discount that could result from offering for sale at one time the Company's entire holdings of a particular financial instrument.  Because no market exists for a significant portion of the Company's financial instruments, fair value estimates are based on judgments regarding future expected loss experience, current economic conditions, risk characteristics of various financial instruments and other factors. These estimates are subjective in nature and involve uncertainties and matters of significant judgment and therefore cannot be determined with precision. Changes in assumptions can significantly affect the estimates.</div><div style="text-indent: 0pt; display: block;"> </div><div style="text-indent: 0pt; margin-left: 0pt; margin-right: 0pt;"><div style="display: inline; font-family: Times New Roman; font-size: 10pt;">Fair values have been determined by the Company using historical data, as generally provided in the Company's regulatory reports, and an estimation methodology suitable for each category of financial instruments. The Company's fair value estimates, methods and assumptions are set forth below for the Company's other financial instruments.</div></div><div style="text-indent: 0pt; display: block;"><br /></div><div style="text-indent: 0pt; display: block; font-family: Times New Roman; font-size: 10pt; font-weight: bold;">Cash and Cash Equivalents:</div><div style="text-indent: 0pt; display: block; font-family: Times New Roman; font-size: 10pt;"> </div><div style="text-indent: 0pt; display: block; font-family: Times New Roman; font-size: 10pt;">The carrying amounts for cash and due from banks approximate fair value because they have original maturities of 90 days or less and do not present unanticipated credit concerns.</div><div style="text-indent: 0pt; display: block;"><br /></div><div style="text-align: left; text-indent: 0pt; display: block; font-family: Times New Roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Accrued Interest Receivable and Payable:</div><div style="text-indent: 0pt; display: block; font-family: Times New Roman; font-size: 10pt;"> </div><div style="text-indent: 0pt; display: block; font-family: Times New Roman; font-size: 10pt;">The carrying amounts for accrued interest receivable and payable approximate fair value because they are generally received or paid in 90 days or less and do not present unanticipated credit concerns.</div><div style="text-indent: 0pt; display: block;"><br /></div><div style="text-align: left; text-indent: 0pt; display: block; font-family: Times New Roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Available-For-Sale Securities:</div><div style="text-align: justify; text-indent: 0pt; display: block; font-family: Times New Roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;"> </div><div style="text-align: justify; text-indent: 0pt; display: block; font-family: Times New Roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">The fair values of securities available for sale are determined by quoted prices in active markets, when available, and classified as Level I. If quoted market prices are not available, the fair value is determined by a matrix pricing, which is a mathematical technique, widely used in the industry to value debt securities without relying exclusively on quoted prices for the specific securities but rather by relying on the securities' relationship to other benchmark quoted securities and classified as Level II. The fair values consider observable data that may include dealer quotes, market spreads, cash flows, the U.S. Treasury yield curve, live trading levels, trade execution data, market consensus prepayment speeds, credit information and the bond's terms and conditions, among other things. In cases where significant credit valuation adjustments are incorporated into the estimation of fair value, reported amounts are classified as Level III inputs.</div><div style="text-align: justify; text-indent: 0pt; display: block; margin-left: 0pt; margin-right: 0pt;"> </div><div style="text-indent: 0pt; display: block; font-family: Times New Roman; font-size: 10pt; font-weight: bold;">Loans:</div><div style="text-indent: 0pt; display: block; font-family: Times New Roman; font-size: 10pt;"> </div><div style="text-indent: 0pt; display: block; font-family: Times New Roman; font-size: 10pt;">Fair values are estimated for portfolios of loans with similar financial characteristics.  The fair value of performing loans has been estimated by discounting expected future cash flows. The discount rate used in these calculations is derived from the Treasury yield curve adjusted for credit quality, operating expense and prepayment option price, and is calculated by discounting scheduled cash flows through the estimated maturity using estimated market discount rates that reflect the credit and interest rate risk inherent in the loan. The estimate of maturity is based on the Company's historical experience with repayments for each loan classification, modified as required by an estimate of the effect of current economic and lending conditions.</div><div style="text-indent: 0pt; display: block; font-family: Times New Roman; font-size: 10pt;"> </div><div style="text-indent: 0pt; display: block; font-family: Times New Roman; font-size: 10pt;">Fair value for significant nonperforming loans is based on recent external appraisals. If appraisals are not available, estimated cash flows are discounted using a rate commensurate with the risk associated with the estimated cash flows. Assumptions regarding credit risk, cash flows, and discount rates are judgmentally determined using available market information and specific borrower information.</div><div style="text-indent: 0pt; display: block;"><br /></div><div style="text-align: left; text-indent: 0pt; display: block; font-family: Times New Roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Bank Owned Life Insurance:</div><div style="text-indent: 0pt; display: block; font-family: Times New Roman; font-size: 10pt;"> </div><div style="text-indent: 0pt; display: block; font-family: Times New Roman; font-size: 10pt;">The carrying value of bank owned life insurance approximates fair value based on applicable redemption provisions.</div><div style="text-indent: 0pt; display: block;"><br /></div><div style="text-align: left; text-indent: 0pt; display: block; font-family: Times New Roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Regulatory Stock:</div><div style="text-indent: 0pt; display: block; font-family: Times New Roman; font-size: 10pt;"> </div><div style="text-indent: 0pt; display: block; font-family: Times New Roman; font-size: 10pt;">The carrying value of regulatory stock approximates fair value based on applicable redemption provisions.</div><div style="text-indent: 0pt; display: block;"> </div><div style="text-align: left; text-indent: 0pt; display: block; font-family: Times New Roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Deposits:</div><div style="text-indent: 0pt; display: block; font-family: Times New Roman; font-size: 10pt;"> </div><div style="text-indent: 0pt; display: block; font-family: Times New Roman; font-size: 10pt;">The fair value of deposits with no stated maturity, such as noninterest-bearing demand deposits, savings and NOW accounts, and money market accounts, is equal to the amount payable on demand. The fair value of certificates of deposit is based on the discounted value of contractual cash flows. The discount rate is estimated using the rates currently offered for deposits of similar remaining maturities.</div><div style="text-indent: 0pt; display: block; font-family: Times New Roman; font-size: 10pt;"> </div><div style="text-indent: 0pt; display: block; font-family: Times New Roman; font-size: 10pt;">The deposits' fair value estimates do not include the benefit that results from the low-cost funding provided by the deposit liabilities compared to the cost of borrowing funds in the market, commonly referred to as the core deposit intangible.</div><div style="text-indent: 0pt; display: block;"><br /></div><div style="text-align: left; text-indent: 0pt; display: block; font-family: Times New Roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Borrowed Funds:</div><div style="text-indent: 0pt; display: block; font-family: Times New Roman; font-size: 10pt;"> </div><div style="text-indent: 0pt; display: block; font-family: Times New Roman; font-size: 10pt;">Rates available to the Company for borrowed funds with similar terms and remaining maturities are used to estimate the fair value of borrowed funds.</div><div style="text-indent: 0pt; display: block;"><br /></div><div style="text-align: left; text-indent: 0pt; display: block; font-family: Times New Roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Trust Preferred Interest Rate Swap:</div><div style="text-indent: 0pt; display: block;"><br /></div><div style="text-align: justify; text-indent: 0pt; display: block; font-family: Times New Roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">The fair value of the trust preferred interest rate swap is determined using widely accepted valuation techniques including discounted cash flow analysis on the expected cash flows of each derivative and classified as Level II. This analysis reflects the contractual terms of the derivatives, including the period to maturity, and uses observable market-based inputs, including LIBOR rate curves. We also obtain dealer quotations for these derivatives for comparative purposes to assess the reasonableness of the model valuations.</div></div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div></div>
5345000
5264000
4441000
3550000
1.00
1.00
232433
230203
83776000
81468000
992000
720000
0
0
0.295
0.260
106000
117000
4458000
3086000
<div><div><div style="text-align: left; text-indent: 0pt; display: block; font-family: Times New Roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Note 2 - Earnings per Share</div><div style="text-indent: 0pt; display: block;"> </div><div style="text-indent: 0pt; display: block;"><div style="text-indent: 0pt; display: block; font-family: Times New Roman; font-size: 10pt;">The following table sets forth the computation of earnings per share.  Earnings per share calculations give retroactive effect to stock dividends declared by the Company.</div><div style="text-align: left; text-indent: 0pt; display: block; margin-left: 0pt; margin-right: 0pt;"><br /> </div><div style="text-align: left; text-indent: 0pt; display: block; margin-left: 0pt; margin-right: 0pt;"><br /> </div><div style="text-align: left;"><table cellpadding="0" cellspacing="0" style="width: 70%; font-family: times new roman; font-size: 10pt;"><tr><td valign="bottom" style="width: 49%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td colspan="2" valign="bottom" style="width: 30%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Three months ended</div></td></tr><tr><td align="left" valign="bottom" style="width: 49%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;"> </div></td><td colspan="2" valign="bottom" style="width: 30%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">March 31,</div></td></tr><tr><td align="left" valign="bottom" style="width: 49%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;"> </div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 15%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;"><font style="letter-spacing: 9pt;">   </font><font style="letter-spacing: 9pt;">   </font> 2012</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 15%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;"><font style="letter-spacing: 9pt;">   </font><font style="letter-spacing: 9pt;">   </font> 2011</div></td></tr><tr><td align="left" valign="bottom" style="width: 49%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Basic earnings per share computation</div></td><td valign="bottom" style="width: 15%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="width: 15%; display: inline; font-family: times new roman; font-size: 10pt;">  </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 49%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Net income applicable to common stock</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 15%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">$3,449,000</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 15%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">$2,830,000</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 49%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Weighted average common shares outstanding</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 15%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">                  2,895,810</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 15%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">                  2,917,353</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 49%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Earnings per share - basis</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 15%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">$1.19</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 15%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">$0.97</div></td></tr><tr bgcolor="white"><td valign="bottom" style="width: 49%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="width: 15%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="width: 15%; display: inline; font-family: times new roman; font-size: 10pt;">  </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 49%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Diluted earnings per share computation</div></td><td valign="bottom" style="width: 15%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="width: 15%; display: inline; font-family: times new roman; font-size: 10pt;">  </td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 49%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Net income applicable to common stock</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 15%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">$3,449,000</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 15%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">$2,830,000</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 49%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Weighted average common shares outstanding for basic earnings per share</div></td><td valign="bottom" style="text-align: right; width: 15%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">                  2,895,810</div></td><td valign="bottom" style="text-align: right; width: 15%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">                  2,917,353</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 49%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Add: Dilutive effects of restricted stock</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 15%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">                            165</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: right; width: 15%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">                                -</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 49%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Weighted average common shares outstanding for dilutive earnings per share</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 15%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">                  2,895,975</div></td><td valign="bottom" style="border-bottom: black 4px double; text-align: right; width: 15%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">                  2,917,353</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 49%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Earnings per share - dilutive</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 15%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">$1.19</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 15%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">$0.97</div></td></tr></table></div><div style="text-align: left; text-indent: 0pt; display: block; margin-left: 0pt; margin-right: 0pt;"><br /><font style="display: inline; font-family: Times New Roman; font-size: 10pt;">Restricted stock grants that were anti-dilutive were excluded from net income per share calculations. For the three months ended March 31, 2012 and 2011, 3,073 and 10,389 shares, respectively, related to the restricted stock program were excluded from the diluted earnings per share calculations since they were anti-dilutive.</font></div></div></div><div></div><div></div><div></div><div></div></div>
1320000
1512000
-337000
550000
<div><div><div style="text-align: left; text-indent: 0pt; display: block; font-family: Times New Roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Note 10 - Recent Accounting Pronouncements</div><div style="text-indent: 0pt; display: block;"> </div><div style="text-indent: 0pt; display: block;"><div style="text-indent: 0pt; display: block; font-family: Times New Roman; font-size: 10pt;">In April 2011, the FASB issued ASU 2011-03, <font style="font-style: italic; display: inline;">Transfers and Services (Topic 860):</font><font style="font-style: italic; display: inline;">Reconsideration of Effective Control for Repurchase Agreements</font>.  The main objective in developing this Update is to improve the accounting for repurchase agreements (repos) and other agreements that both entitle and obligate a transferor to repurchase or redeem financial assets before their maturity.  The amendments in this Update remove from the assessment of effective control (1) the criterion requiring the transferor to have the ability to repurchase or redeem the financial assets on substantially the agreed terms, even in the event of default by the transferee, and (2) the collateral maintenance implementation guidance related to that criterion.  The amendments in this Update apply to all entities, both public and nonpublic.  The amendments affect all entities that enter into agreements to transfer financial assets that both entitle and obligate the transferor to repurchase or redeem the financial assets before their maturity.  The guidance in this Update is effective for the first interim or annual period beginning on or after December 15, 2011 and should be applied prospectively to transactions or modifications of existing transactions that occur on or after the effective date.  Early adoption is not permitted.  This ASU did not have a significant impact on the Company's financial statements.</div><div style="text-indent: 0pt; display: block; font-family: Times New Roman; font-size: 10pt;"> </div><div style="text-indent: 0pt; display: block; font-family: Times New Roman; font-size: 10pt;">In May 2011, the FASB issued ASU 2011-04, <font style="font-style: italic; display: inline;">Fair Value Measurement (Topic 820):</font>  <font style="font-style: italic; display: inline;">Amendments to Achieve Common Fair Value Measurement and Disclosure Requirements in U.S. GAAP and IFRSs.</font>  The amendments in this Update result in common fair value measurement and disclosure requirements in U.S. GAAP and IFRSs.  Consequently, the amendments change the wording used to describe many of the requirements in U.S. GAAP for measuring fair value and for disclosing information about fair value measurements.  The amendments in this Update are to be applied prospectively.  For public entities, the amendments are effective during interim and annual periods beginning after December 15, 2011.  For nonpublic entities, the amendments are effective for annual periods beginning after December 15, 2011.  Early application by public entities is not permitted. This Company has provided the necessary disclosures in Note 9.</div><div style="text-indent: 0pt; display: block; font-family: Times New Roman; font-size: 10pt;"> </div><div style="text-indent: 0pt; display: block; font-family: Times New Roman; font-size: 10pt;">In June 2011, the FASB issued ASU 2011-05, <font style="font-style: italic; display: inline;">Comprehensive Income (Topic 220):</font>  <font style="font-style: italic; display: inline;">Presentation of Comprehensive Income.</font>  The amendments in this Update improve the comparability, clarity, consistency, and transparency of financial reporting and increase the prominence of items reported in other comprehensive income.  To increase the prominence of items reported in other comprehensive income and to facilitate convergence of U.S. GAAP and IFRS, the option to present components of other comprehensive income as part of the statement of changes in stockholders' equity was eliminated.  The amendments require that all non-owner changes in stockholders' equity be presented either in a single continuous statement of comprehensive income or in two separate but consecutive statements.  In the two-statement approach, the first statement should present total net income and its components followed consecutively by a second statement that should present total other comprehensive income, the components of other comprehensive income, and the total of comprehensive income.  All entities that report items of comprehensive income, in any period presented, will be affected by the changes in this Update.  For public entities, the amendments are effective for fiscal years, and interim periods within those years, beginning after December 15, 2011.  For nonpublic entities, the amendments are effective for fiscal years ending after December 15, 2012, and interim and annual periods thereafter.  The amendments in this Update should be applied retrospectively, and early adoption is permitted. The Company has provided the necessary disclosure in the Consolidated Statement of Comprehensive Income.</div><div> </div><div style="text-indent: 0pt; margin-left: 0pt; margin-right: 0pt;"><div style="display: inline; font-family: Times New Roman; font-size: 10pt;">In September 2011, the FASB issued ASU 2011-08, <font style="font-style: italic; display: inline;">Intangibles - Goodwill and Other Topics (Topic 350), Testing Goodwill for Impairment</font>.  The objective of this update is to simplify how entities, both public and nonpublic, test goodwill for impairment.  The amendments in the Update permit an entity to first assess qualitative factors to determine whether it is more likely than not that the fair value of a reporting unit is less than its carrying amount as a basis for determining whether it is necessary to perform the two-step goodwill impairment test described in Topic 350.  The more-likely-than-not threshold is defined as having a likelihood of more than 50 percent.  Under the amendments in this Update, an entity is not required to calculate the fair value of a reporting unit unless the entity determines that it is more likely than not that its fair value is less than its carrying amount.  The amendments in this Update apply to all entities, both public and nonpublic, that have goodwill reported in their financial statements and are effective for interim and annual goodwill impairment tests performed for fiscal years beginning after December 15, 2011.  Early adoption is permitted, including for annual and interim goodwill impairment tests performed as of a date before September 15, 2011, if an entity's financial statements for the most recent annual or interim period have not yet been issued or, for nonpublic entities, have not yet been made available for issuance.  This ASU did not have a significant impact on the Company's financial statements.</div></div><div style="text-indent: 0pt; display: block; font-family: Times New Roman; font-size: 10pt;"> </div><div style="text-indent: 0pt; display: block; font-family: Times New Roman; font-size: 10pt;">In December 2011, the FASB issued ASU 2011-11, <font style="font-style: italic; display: inline;">Balance Sheet (Topic 210):  Disclosures about Offsetting Assets and Liabilities</font>.  The amendments in this Update affect all entities that have financial instruments and derivative instruments that are either (1) offset in accordance with either <a name="GAAPUPD:203.8-1"></a>Section 210-20-45 or <a name="GAAPUPD:203.9-1"></a>Section 815-10-45 or (2) subject to an enforceable master netting arrangement or similar agreement.  The requirements amend the disclosure requirements on offsetting in <a name="GAAPUPD:203.10-1"></a>Section 210-20-50.  This information will enable users of an entity's financial statements to evaluate the effect or potential effect of netting arrangements on an entity's financial position, including the effect or potential effect of rights of setoff associated with certain financial instruments and derivative instruments in the scope of this Update.  An entity is required to apply the amendments for annual reporting periods beginning on or after January 1, 2013, and interim periods within those annual periods.  An entity should provide the disclosures required by those amendments retrospectively for all comparative periods presented.  The Company is currently evaluating the impact the adoption of the standard will have on the Company's financial position or results of operations.</div><div style="text-indent: 0pt; display: block; font-family: Times New Roman; font-size: 10pt;"> </div><div style="text-indent: 0pt; display: block; font-family: Times New Roman; font-size: 10pt;">In December 2011, the FASB issued ASU 2011-12, <font style="font-style: italic; display: inline;">Comprehensive Income (Topic 220):  Deferral of the Effective Date for Amendments to the Presentation of Reclassifications of Items Out of Accumulated Other Comprehensive Income in Accounting Standards Update No. 2011-05</font>.  In order to defer only those changes in Update 2011-05 that relate to the presentation of reclassification adjustments, the paragraphs in this Update supersede certain pending paragraphs in Update 2011-05.  Entities should continue to report reclassifications out of accumulated other comprehensive income consistent with the presentation requirements in effect before Update 2011-05.  All other requirements in Update 2011-05 are not affected by this Update, including the requirement to report comprehensive income either in a single continuous financial statement or in two separate but consecutive financial statements. Public entities should apply these requirements for fiscal years, and interim periods within those years, beginning after December 15, 2011. Nonpublic entities should begin applying these requirements for fiscal years ending after December 15, 2012, and interim and annual periods thereafter.  The Company has provided the necessary disclosure in the Consolidated Statement of Comprehensive Income. </div></div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div></div>
10757000
9042000
925000
795000
<div><div><div style="text-align: left; text-indent: 0pt; display: block; font-family: Times New Roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Note 7 - Employee Benefit Plans</div><div style="text-indent: 0pt; display: block;"> </div><div style="text-indent: 0pt; display: block;"><div style="text-indent: 0pt; display: block; font-family: Times New Roman; font-size: 10pt;">For additional detailed disclosure on the Company's pension and employee benefits plans, please refer to Note 11 of the Company's Consolidated Financial Statements included in the 2011 Annual Report on Form 10-K.</div><div style="text-indent: 0pt; display: block; font-family: Times New Roman; font-size: 10pt; font-weight: bold;"> </div><div style="text-indent: 0pt; display: block; font-family: Times New Roman; font-size: 10pt; font-weight: bold;">Noncontributory Defined Benefit Pension Plan</div><div style="text-indent: 0pt; display: block; font-family: Times New Roman; font-size: 10pt;"> </div><div style="text-indent: 0pt; display: block; font-family: Times New Roman; font-size: 10pt;">The Bank sponsors a noncontributory defined benefit pension plan ("Pension Plan") covering substantially all employees and officers.  The Bank's funding policy is to make annual contributions, if needed, based upon the funding formula developed by the plan's actuary.</div><div style="text-indent: 0pt; display: block; font-family: Times New Roman; font-size: 10pt;"> </div><div style="text-indent: 0pt; display: block; font-family: Times New Roman; font-size: 10pt;">Any employee with a hire date of January 1, 2007 or later is not eligible to participate in the Pension Plan. In lieu of the Pension Plan, employees with a hire date of January 1, 2007 or later are eligible to receive, after meeting certain length of service requirements, an annual discretionary 401(k) plan contribution from the Bank equal to a percentage of an employee's base compensation.  The contribution amount, if any, is placed in a separate account within the 401(k) plan and is subject to a vesting requirement.</div><div style="text-indent: 0pt; display: block; font-family: Times New Roman; font-size: 10pt;"> </div><div style="text-indent: 0pt; display: block; font-family: Times New Roman; font-size: 10pt;">For employees who are eligible to participate in the Pension Plan, the Pension Plan requires benefits to be paid to eligible employees based primarily upon age and compensation rates during employment.  Upon retirement or other termination of employment, employees can elect either an annuity benefit or a lump sum distribution of vested benefits in the Pension Plan.</div><div style="text-indent: 0pt; display: block; font-family: Times New Roman; font-size: 10pt;"> </div><div style="text-indent: 0pt; display: block; font-family: Times New Roman; font-size: 10pt;">The following sets forth the components of net periodic benefit costs of the Pension Plan for the three months ended March 31, 2012 and 2011, respectively (in thousands):</div><div style="text-indent: 0pt; display: block;"><br /></div><div style="text-align: left;"><table cellpadding="0" cellspacing="0" style="width: 50%; font-family: times new roman; font-size: 10pt;"><tr><td align="left" valign="bottom" style="width: 34%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td colspan="2" valign="bottom" style="width: 29%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Three Months Ended</div></td></tr><tr><td align="left" valign="bottom" style="width: 34%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td colspan="2" valign="bottom" style="width: 29%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">March 31,</div></td></tr><tr><td align="left" valign="bottom" style="width: 34%; display: inline; font-family: times new roman; font-size: 10pt;">  </td><td valign="bottom" style="border-bottom: black 2px solid; width: 16%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">2012</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 13%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">2011</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 34%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Service cost</div></td><td align="right" valign="bottom" style="width: 16%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;"> $         113</div></td><td align="right" valign="bottom" style="width: 13%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;"> $      114</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 34%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Interest cost</div></td><td align="right" valign="bottom" style="width: 16%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">           139</div></td><td align="right" valign="bottom" style="width: 13%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">   139</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 34%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Expected return on plan assets</div></td><td align="right" valign="bottom" style="width: 16%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">        (206)</div></td><td align="right" valign="bottom" style="width: 13%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">  (206)</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 34%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Net amortization and deferral</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 16%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">           16</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 13%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">      16</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 34%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Net periodic benefit cost</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 16%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;"> $          62</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 13%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;"> $       63</div></td></tr></table></div><div style="text-indent: 0pt; display: block; font-family: Times New Roman; font-size: 10pt;"> </div><div style="text-indent: 0pt; display: block; font-family: Times New Roman; font-size: 10pt;">The Company expects to contribute $575,000 to the Pension Plan in 2012.</div><div style="text-align: left; text-indent: 36pt; display: block; margin-left: 0pt; margin-right: 0pt;"><br /><font style="display: inline; font-family: Times New Roman; font-size: 10pt; font-weight: bold;">Defined Contribution Plan</font></div><div style="text-indent: 0pt; display: block; font-family: Times New Roman; font-size: 10pt;"> </div><div style="text-indent: 0pt; display: block; font-family: Times New Roman; font-size: 10pt;">The Company sponsors a voluntary 401(k) savings plan which eligible employees can elect to contribute up to the maximum amount allowable not to exceed the limits of IRS Code Sections 401(k).  Under the plan, the Company also makes required contributions on behalf of the eligible employees.  The Company's contributions vest immediately.  Contributions by the Company totaled $52,000 and $50,000 for the three months ended March 31, 2012 and 2011, respectively.</div><div style="text-indent: 0pt; display: block; font-family: Times New Roman; font-size: 10pt; font-weight: bold;"> </div><div style="text-indent: 0pt; display: block; font-family: Times New Roman; font-size: 10pt; font-weight: bold;">Directors' Deferred Compensation Plan</div><div style="text-indent: 0pt; display: block; font-family: Times New Roman; font-size: 10pt;"> </div><div style="text-indent: 0pt; display: block; font-family: Times New Roman; font-size: 10pt;">The Company's directors may elect to defer all or portions of their fees until their retirement or termination from service.  Amounts deferred under the plan earn interest based upon the highest current rate offered to certificate of deposit customers.  Amounts deferred under the plan are not guaranteed and represent a general liability of the Company.  Amounts included in interest expense on the deferred amounts totaled $4,000 and $6,000 for the three months ended March 31, 2012 and 2011, respectively.</div><div style="text-indent: 0pt; display: block;"> </div><div style="text-indent: 0pt; margin-left: 0pt; margin-right: 0pt;"><div style="display: inline; font-family: Times New Roman; font-size: 10pt; font-weight: bold;">Restricted Stock Plan</div></div><div style="text-indent: 0pt; display: block; font-family: Times New Roman; font-size: 10pt;"> </div><div style="text-indent: 0pt; display: block; font-family: Times New Roman; font-size: 10pt;">The Company maintains a Restricted Stock Plan (the "Plan") whereby employees and non-employee corporate directors are eligible to receive awards of restricted stock based upon performance related requirements.  Awards granted under the Plan are in the form of the Company's common stock and are subject to certain vesting requirements including continuous employment or service with the Company.  100,000 shares of the Company's common stock have been authorized under the Plan.  The Plan assists the Company in attracting, retaining and motivating employees to make substantial contributions to the success of the Company and to increase the emphasis on the use of equity as a key component of compensation.</div><div style="text-indent: 0pt; display: block; font-family: Times New Roman; font-size: 10pt;"> </div><div style="text-indent: 0pt; display: block; font-family: Times New Roman; font-size: 10pt;">For the three months ended March 31, 2012 and 2011, 0 and 3,968 shares of restricted stock were awarded and 3,641 and 2,318 shares vested, respectively.  Compensation cost related to restricted stock is recognized based on the market price of the stock at the grant date over the vesting period. Compensation expense related to restricted stock was $33,000 for the three months ended March 31, 2012 and 2011.</div><div style="text-indent: 0pt; display: block; font-family: Times New Roman; font-size: 10pt; font-weight: bold;"> </div><div style="text-indent: 0pt; display: block; font-family: Times New Roman; font-size: 10pt; font-weight: bold;">Supplemental Executive Retirement Plan</div><div style="text-indent: 0pt; display: block; font-family: Times New Roman; font-size: 10pt;"> </div><div style="text-indent: 0pt; display: block; font-family: Times New Roman; font-size: 10pt;">The Company maintains a non-qualified supplemental executive retirement plan ("SERP") for certain executives to compensate those executive participants in the Company's noncontributory defined benefit pension plan whose benefits are limited by compensation limitations under current tax law. At March 31, 2012 and December 31, 2011, an obligation of $832,000 and $809,000, respectively, was included in other liabilities for this plan in the consolidated balance sheet.  Expenses related to this plan totaled $23,000 and $15,000 for the three months ended March 31, 2012 and 2011, respectively.</div></div><div style="text-indent: 0pt; display: block;"><br /></div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div></div>
72768000
53882000
false
--12-31
2012-03-31
No
No
Yes
Accelerated Filer
94928551
CITIZENS FINANCIAL SERVICES INC
0000739421
2897313
2012
Q1
10-Q
1078000
945000
150000
95000
166000
147000
-1405000
0
72000
335000