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<td style="layout-grid-mode: line; text-align: justify"><b><i>Comprehensive Loss. </i></b>Generally accepted accounting principles generally requires that recognized revenue, expenses, gains and losses be included in net loss. Although certain changes in assets and liabilities, such as unrealized gains and losses on available for sale securities, are reported as a separate component of the equity section of the consolidated balance sheet, such items along with net loss, are components of comprehensive loss. The only component of other comprehensive loss is the net change in the unrealized loss on the securities available for sale.</td></tr></table>
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<td style="layout-grid-mode: line; text-align: justify"><b><i>Income Taxes.</i></b> During the year ended December 31, 2009,
the Company assessed its earnings history and trend over the past year and its estimate of future earnings, and determined
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allowance was recorded against the net deferred tax asset for the amount not expected to be realized in the future. Based on
the available evidence at September 30, 2012, the Company determined that it is still more likely than not that the deferred tax
asset will not be realized in the near term. Accordingly, the valuation allowance was increased in 2012 to offset the
increase in the net deferred tax asset. </td></tr>
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<td style="width: 88%; layout-grid-mode: line; text-align: justify"><b><i>Recent Pronouncements.</i></b> In December 2011, the Financial Accounting Standards Board (“FASB”) issued Accounting Standards Update (“ASU”) No. 2011-12 (“ASU 2011-12”), <i>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 (“ASU 2011-05”). </i>Stakeholders raised concerns that the new presentation requirements about reclassifications of items out of accumulated other comprehensive income would be difficult for preparers and may add unnecessary complexity to financial statements. In addition, it is difficult for some stakeholders to change systems in time to gather the information for the new presentation requirements by the effective date of Update 2011-05. All other requirements in ASU 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. The amendments in ASU 2011-12 are effective on a retrospective basis for public entities for annual periods beginning after December 15, 2011, and interim periods within those years. An entity should provide the disclosures required by ASU 2011-12 retrospectively for all comparative periods presented. The adoption of this guidance did not have a material effect on the Company’s condensed consolidated financial statements.</td></tr>
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<td style="layout-grid-mode: line; font-style: italic; font-weight: bold"> </td>
<td style="layout-grid-mode: line; font-style: italic; font-weight: bold; text-align: justify"> </td></tr>
<tr style="vertical-align: top">
<td style="layout-grid-mode: line; font-style: italic; font-weight: bold"> </td>
<td style="layout-grid-mode: line; text-align: justify">In December 2011, the FASB issued ASU No. 2011-11 (“ASU 2011-11”), <i>Balance Sheet (Topic 210), Disclosures about Offsetting Assets and Liabilities. </i>The objective of ASU 2011-11 is to enhance disclosures required by U.S. GAAP by requiring improved information about financial instruments and derivative instruments that are either (1) offset in accordance with either Section 210-20-45 or Section 815-10-45 or (2) subject to an enforceable master netting arrangement or similar agreement, irrespective of whether they are offset in accordance with Section 210-20-45 or Section 815-10-45. 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. The amendments in ASU 2011-11 are effective 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 ASU 2011-11 retrospectively for all comparative periods presented. The adoption of this guidance did not have a material effect on the Company’s condensed consolidated financial statements.</td></tr>
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<tr style="vertical-align: top">
<td style="layout-grid-mode: line; font-style: italic; font-weight: bold"> </td>
<td style="layout-grid-mode: line; font-style: italic; font-weight: bold; text-align: justify"> </td></tr>
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<td style="layout-grid-mode: line; font-style: italic; font-weight: bold"> </td>
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16552000
3688000
5123000
1959000
1101000
141127000
147686000
1397000
1256000
320000
1113000
1029000
567000
5155000
5155000
-27700000
-31700000
105526000
107895000
69644000
71842000
34573000
35538000
1309000
515000
309000
224000
149994000
154472000
103000
-938000
-22368000
-19991000
30823000
27491000
1897000
2418000
661000
686000
1984000
2642000
631000
830000
1136000
1153000
359000
389000
848000
1489000
272000
441000
3881000
5060000
1292000
1516000
60000
46000
22000
17000
819000
1407000
245000
378000
3002000
3607000
1025000
1121000
378000
652000
197000
-243000
1519000
1766000
464000
929000
198000
232000
10000
10000
179000
53000
1000
1000
0
153000
0
0
19000
26000
9000
9000
3890000
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1398000
1502000
490000
561000
118000
121000
215000
545000
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163000
329000
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81000
208000
326000
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810000
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417000
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147000
47000
45000
376000
399000
133000
132000
1301000
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465000
444000
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8447500
42225
42225
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204000
101000
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70000
704000
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93000
42000
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87000
94000
9074000
26605000
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57000
317000
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255000
5000
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8156000
7688000
5048000
3375000
462000
459000
-2369000
-19014000
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27367000
22776000
14367000
20698000
4591000
6331000
1898000
2535000
3156000
8596000
11028000
-0.09
-4.50
-0.04
-0.69
-0.09
-4.50
-0.04
-0.69
<div style="display: block; text-indent: 0pt"></div>
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<div style="margin-left: 0pt; text-indent: 0pt; margin-right: 0pt"><font style="display: inline; font: 10pt times new roman"><font style="display: inline; font-weight: bold">(1)</font></font></div>
</td>
<td style="width: 96%; margin-left: 36pt; text-indent: -36pt">
<div style="text-align: justify; margin-left: 18pt; text-indent: -18pt"><font style="display: inline; font: 10pt times new roman"><font style="display: inline; font-weight: bold; font-style: italic">General.</font>  OptimumBank Holdings, Inc. (the “Holding Company”) is a one-bank holding company and owns 100% of OptimumBank (the “Bank”), a state (Florida)-chartered commercial bank.  The Bank’s wholly-owned subsidiaries are OB Real Estate Management, LLC, OB Real Estate Holdings, LLC and OB Real Estate Holdings 1503, LLC, all of which were formed in 2009, OB Real Estate Holdings 1695, LLC, OB Real Estate Holdings 1669, LLC, OB Real Estate Holdings 1645, LLC, OB Real Estate Holdings 1620, LLC,  and OB Real Estate Holdings 1565, LLC, all formed in 2010, and OB Real Estate Holdings 1443, LLC, and OB Real Estate Holdings 1596, LLC, OB Real Estate Holdings 1636, LLC, and OB Real Estate Holdings Northwood, LLC, formed in 2011, OB Real Estate Holdings Sillato, LLC, OB Real Estate Holdings 1655, LLC, OB Real Estate Holdings 1704, LLC and OB Real Estate Holdings Rosemary, LLC, formed in 2012. The Holding Company’s only business is the operation of the Bank and its subsidiaries (collectively, the “Company”).  The Bank’s deposits are insured up to applicable limits by the Federal Deposit Insurance Corporation (“FDIC”). The Bank offers a variety of community banking services to individual and corporate customers through its three banking offices located in Broward County, Florida.  OB Real Estate Management, LLC is primarily engaged in managing foreclosed real estate.  This subsidiary had no activity in 2012 and 2011.  All other subsidiaries are primarily engaged in holding and disposing of foreclosed real estate.</font></div>
<div style="text-align: justify; margin-left: 18pt; text-indent: -18pt"> </div>
<div style="text-align: justify; margin-left: 18pt; text-indent: -18pt">
<div style="text-align: justify"><font style="display: inline; font: 10pt times new roman">       In the opinion of the management, the accompanying condensed consolidated financial statements of the Company contain all adjustments (consisting principally of normal recurring accruals) necessary to present fairly the financial position at September 30, 2012, and the results of operations for the three- and nine-month periods ended September 30, 2012 and 2011, and cash flows for the nine-months periods ended September 30, 2012 and 2011.  The results of operations for the three- and nine-months ended September 30, 2012, are not necessarily indicative of the results to be expected for the full year.</font></div>
<div style="text-align: justify"> </div>
<div style="text-align: justify">
<div style="text-align: justify"><font style="display: inline; font: 10pt Times New Roman"><font style="display: inline; font-weight: bold; font-style: italic">       Comprehensive Loss. </font>Generally accepted accounting principles generally requires that recognized revenue, expenses, gains and losses be included in net loss.  Although certain changes in assets and liabilities, such as unrealized gains and losses on available for sale securities, are reported as a separate component of the equity section of the consolidated balance sheet, such items along with net loss, are components of comprehensive loss.  The only component of other comprehensive loss is the net change in the unrealized loss on the securities available for sale.</font></div>
<div style="text-align: justify"> </div>
<div style="text-align: justify">
<div style="text-align: justify"><font style="display: inline; font: 10pt Times New Roman"><font style="display: inline; font-weight: bold; font-style: italic">        Income Taxes.</font> During the year ended December 31, 2009, the Company assessed its earnings history and trend over the past year and its estimate of future earnings, and determined that it is more likely than not that the deferred tax asset will not be realized in the near term.  Accordingly, a valuation allowance was recorded against the net deferred tax asset for the amount not expected to be realized in the future.  Based on the available evidence at September 30, 2012, the Company determined that it is still more likely than not that the deferred tax asset will not be realized in the near term.</font></div>
</div>
</div>
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<div><font style="display: inline; font: 10pt times new roman">  </font></div>
</td>
<td style="width: 96%; margin-left: 9pt; text-indent: -9pt">
<div style="text-align: justify; margin-left: 18pt; text-indent: -18pt"><font style="display: inline; font: 10pt times new roman"> </font></div>
<div style="text-align: justify; margin-left: 18pt; text-indent: -18pt"><font style="display: inline; font: 10pt times new roman"><font style="display: inline; font-weight: bold; font-style: italic">       Recent Pronouncements.</font> In December 2011, the Financial Accounting Standards Board (“FASB”) issued Accounting Standards Update (“ASU”) No. 2011-12 (“ASU 2011-12”), <font style="display: inline; font-style: italic">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 (“ASU 2011-05”). </font>Stakeholders raised concerns that the new presentation requirements about reclassifications of items out of accumulated other comprehensive income would be difficult for preparers and may add unnecessary complexity to financial statements.  In addition, it is difficult for some stakeholders to change systems in time to gather the information for the new presentation requirements by the effective date of Update 2011-05.  All other requirements in ASU 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. The amendments in ASU 2011-12 are effective on a retrospective basis for public entities for annual periods beginning after December 15, 2011, and interim periods within those years.  An entity should provide the disclosures required by ASU 2011-12 retrospectively for all comparative periods presented.  The adoption of this guidance did not have a material effect on the Company’s condensed consolidated financial statements.</font></div>
<div style="text-align: justify; margin-left: 18pt; text-indent: -18pt"> </div>
<div style="text-align: justify; margin-left: 18pt; text-indent: -18pt">
<div style="text-align: justify"><font style="display: inline; font: 10pt Times New Roman">        In December 2011, the FASB issued ASU No. 2011-11 (“ASU 2011-11”), <font style="display: inline; font-style: italic">Balance Sheet (Topic 210), Disclosures about Offsetting Assets and Liabilities. </font>The objective of ASU 2011-11 is to enhance disclosures required by U.S. GAAP by requiring improved information about financial instruments and derivative instruments that are either (1) offset in accordance with either Section 210-20-45 or Section 815-10-45 or (2) subject to an enforceable master netting arrangement or similar agreement, irrespective of whether they are offset in accordance with Section 210-20-45 or Section 815-10-45.  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.  The amendments in ASU 2011-11 are effective 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 ASU 2011-11 retrospectively for all comparative periods presented. The adoption of this guidance did not have a material effect on the Company’s condensed consolidated financial statements.</font></div>
</div>
</td>
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<tr style="vertical-align: top">
<td></td></tr>
</table>
</div>
<div style="text-align: center">
<table border="0" cellpadding="0" cellspacing="0" style="width: 100%; font: 10pt times new roman; font-size: 10pt; font-family: times new roman">
<tr style="vertical-align: top">
<td style="width: 4%; width: 45pt">
<div><font style="display: inline; font: 10pt times new roman">  </font></div>
</td>
<td style="width: 96%">
<div style="text-align: justify; margin-left: 18pt; text-indent: -18pt"><font style="display: inline; font: 10pt times new roman"> </font></div>
<div style="text-align: justify; margin-left: 18pt; text-indent: -18pt"><font style="display: inline; font: 10pt times new roman"><font style="display: inline; font-weight: bold; font-style: italic">        Recent Pronouncements, Continued.</font> In June 2011, the FASB issued ASU No. 2011-05 (“ASU 2011-05”), <font style="display: inline; font-style: italic">Comprehensive Income (Topic 220), Presentation of Comprehensive Income. </font>The objective of ASU 2011-05 is to improve the comparability, consistency, and transparency of financial reporting and to increase the prominence of items reported in other comprehensive income.  To achieve this goal and to facilitate convergence of U.S. generally accepted accounting principles (GAAP) and International Financial Reporting Standards (IFRS), the FASB decided to eliminate the option to present components of other comprehensive income as part of the consolidated statement of changes in stockholders’ equity. The amendments in ASU 2011-05 require that all nonowner 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. The amendments in ASU 2011-05 should be applied retrospectively.  For public entities, the amendments are effective for fiscal years, and interim periods within those years, beginning after December 15, 2011.  Early adoption is permitted, because compliance with the amendments is already permitted.  The amendments do not require any transition disclosures.  The adoption of this guidance did not have a material effect on the Company’s condensed consolidated financial statements.</font></div>
<div style="text-align: justify; margin-left: 18pt; text-indent: -18pt"> </div>
<div style="text-align: justify; margin-left: 18pt; text-indent: -18pt">
<div style="text-align: justify"><font style="display: inline; font: 10pt Times New Roman">        In May 2011, the FASB issued ASU No. 2011-04 (“ASU 2011-04”), <font style="display: inline; font-style: italic">Fair Value Measurement (Topic 820): Amendments to Achieve Common Fair Value Measurement and Disclosure Requirements in U.S. GAAP and IFRSs.  </font>The objective of ASU 2011-04 is to provide clarification of Topic 820 and, also, to ensure that fair value has the same meaning in U.S. generally accepted accounting principles (“GAAP”) and in international financial reporting standards (“IFRSs”) and that their respective fair value measurement and disclosure requirements are generally the same.  Thus, this update results in common principles and requirements for measuring fair value and for disclosing information about fair value measurements in accordance with GAAP and IFRSs. The amendment is effective for interim and annual periods beginning after December 15, 2011 and is to be applied prospectively.  Early application is not permitted. The adoption of this guidance did not have a material effect on the Company’s condensed consolidated financial statements.</font></div>
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</td>
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<p style="text-align: center"> </p>
<table cellspacing="0" cellpadding="0" border="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%">
<tr style="vertical-align: top">
<td style="width: 21%; font-weight: bold; text-indent: 0pt">(3)</td>
<td style="width: 79%; font-style: italic; font-weight: bold; text-align: justify">Loans.  The segments of loans are as follows (in thousands):</td></tr>
</table>
<p style="text-indent: 0pt"></p>
<table cellspacing="0" cellpadding="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%">
<tr style="vertical-align: bottom">
<td style="padding-bottom: 2px"> </td>
<td style="padding-bottom: 2px"> </td>
<td style="padding-bottom: 2px; text-align: left; font-weight: bold"> </td>
<td nowrap="nowrap" colspan="2" style="border-bottom: black 2px solid; text-align: center; font-weight: bold; text-indent: 0pt">At September 30,</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left; font-weight: bold"> </td>
<td style="padding-bottom: 2px; text-align: left; font-weight: bold"> </td>
<td nowrap="nowrap" colspan="2" style="border-bottom: black 2px solid; text-align: center; font-weight: bold; text-indent: 0pt">At December 31,</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left; font-weight: bold"> </td></tr>
<tr style="vertical-align: bottom">
<td style="padding-bottom: 2px"> </td>
<td style="padding-bottom: 2px"> </td>
<td style="padding-bottom: 2px; text-align: left; font-weight: bold"> </td>
<td colspan="2" style="border-bottom: black 2px solid; text-align: center; font-weight: bold; text-indent: 0pt">2012</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left; font-weight: bold"> </td>
<td style="padding-bottom: 2px; text-align: left; font-weight: bold"> </td>
<td colspan="2" style="border-bottom: black 2px solid; text-align: center; font-weight: bold; text-indent: 0pt">2011</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left; font-weight: bold"> </td></tr>
<tr style="vertical-align: bottom">
<td> </td>
<td> </td>
<td> </td>
<td colspan="2"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td colspan="2"> </td>
<td nowrap="nowrap" style="text-align: left"> </td></tr>
<tr style="background-color: #cceeff; vertical-align: bottom">
<td style="text-align: left; width: 6%; background-color: white"> </td>
<td style="text-align: left; width: 70%; text-indent: 0pt">Residential real estate</td>
<td style="text-align: left; width: 1%"> </td>
<td style="text-align: left; width: 1%">$</td>
<td style="text-align: right; width: 9%">32,430</td>
<td nowrap="nowrap" style="text-align: left; width: 1%"> </td>
<td style="text-align: left; width: 1%"> </td>
<td style="text-align: left; width: 1%">$</td>
<td style="text-align: right; width: 9%">30,434</td>
<td nowrap="nowrap" style="text-align: left; width: 1%"> </td></tr>
<tr style="background-color: white; vertical-align: bottom">
<td style="text-align: left"> </td>
<td style="text-align: left; text-indent: 0pt">Multi-family real estate</td>
<td style="text-align: left"> </td>
<td style="text-align: left"> </td>
<td style="text-align: right">4,182</td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td style="text-align: left"> </td>
<td style="text-align: left"> </td>
<td style="text-align: right">4,109</td>
<td nowrap="nowrap" style="text-align: left"> </td></tr>
<tr style="background-color: #cceeff; vertical-align: bottom">
<td style="text-align: left; background-color: white"> </td>
<td style="text-align: left; text-indent: 0pt">Commercial real estate</td>
<td style="text-align: left"> </td>
<td style="text-align: left"> </td>
<td style="text-align: right">39,221</td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td style="text-align: left"> </td>
<td style="text-align: left"> </td>
<td style="text-align: right">41,307</td>
<td nowrap="nowrap" style="text-align: left"> </td></tr>
<tr style="background-color: white; vertical-align: bottom">
<td style="text-align: left; background-color: white"> </td>
<td style="text-align: left; text-indent: 0pt">Land and construction</td>
<td style="text-align: left"> </td>
<td style="text-align: left"> </td>
<td style="text-align: right">7,323</td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td style="text-align: left"> </td>
<td style="text-align: left"> </td>
<td style="text-align: right">11,783</td>
<td nowrap="nowrap" style="text-align: left"> </td></tr>
<tr style="background-color: #cceeff; vertical-align: bottom">
<td style="text-align: left; background-color: white"> </td>
<td style="text-align: left; text-indent: 0pt">Commercial</td>
<td style="text-align: left"> </td>
<td style="text-align: left"> </td>
<td style="text-align: right">3,959</td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td style="text-align: left"> </td>
<td style="text-align: left"> </td>
<td style="text-align: right">3,713</td>
<td nowrap="nowrap" style="text-align: left"> </td></tr>
<tr style="background-color: white; vertical-align: bottom">
<td style="padding-bottom: 2px; text-align: left"> </td>
<td style="padding-bottom: 2px; text-align: left; text-indent: 0pt">Consumer</td>
<td style="padding-bottom: 2px; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: right">123</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left"> </td>
<td style="padding-bottom: 2px; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: right">175</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left"> </td></tr>
<tr style="background-color: #cceeff; vertical-align: bottom">
<td style="background-color: white"> </td>
<td> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td></tr>
<tr style="background-color: white; vertical-align: bottom">
<td style="text-align: left"> </td>
<td style="text-align: left; text-indent: 0pt">Total loans</td>
<td style="text-align: left"> </td>
<td style="text-align: left"> </td>
<td style="text-align: right">87,238</td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td style="text-align: left"> </td>
<td style="text-align: left"> </td>
<td style="text-align: right">91,521</td>
<td nowrap="nowrap" style="text-align: left"> </td></tr>
<tr style="background-color: #cceeff; vertical-align: bottom">
<td style="background-color: white"> </td>
<td> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td></tr>
<tr style="background-color: white; vertical-align: bottom">
<td style="text-align: left"> </td>
<td style="text-align: left; text-indent: 0pt">Add (deduct):</td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td></tr>
<tr style="background-color: #cceeff; vertical-align: bottom">
<td style="text-align: left; background-color: white"> </td>
<td style="padding-left: 18pt; text-align: left; text-indent: 0pt">Net deferred loan fees, costs and premiums</td>
<td style="text-align: left"> </td>
<td style="text-align: left"> </td>
<td style="text-align: right">149</td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td style="text-align: left"> </td>
<td style="text-align: left"> </td>
<td style="text-align: right">45</td>
<td nowrap="nowrap" style="text-align: left"> </td></tr>
<tr style="background-color: white; vertical-align: bottom">
<td style="padding-bottom: 2px; text-align: left"> </td>
<td style="padding-left: 18pt; padding-bottom: 2px; text-align: left; text-indent: 0pt">Allowance for loan losses</td>
<td style="padding-bottom: 2px; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: right">(1,936</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left">)</td>
<td style="padding-bottom: 2px; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: right">(2,349</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left">)</td></tr>
<tr style="background-color: #cceeff; vertical-align: bottom">
<td style="background-color: white"> </td>
<td> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td></tr>
<tr style="background-color: white; vertical-align: bottom">
<td style="padding-bottom: 4px; text-align: left"> </td>
<td style="padding-bottom: 4px; text-align: left; text-indent: 0pt">Loans, net</td>
<td style="padding-bottom: 4px; text-align: left"> </td>
<td style="border-bottom: black 4px double; text-align: left">$</td>
<td style="border-bottom: black 4px double; text-align: right">85,451</td>
<td nowrap="nowrap" style="padding-bottom: 4px; text-align: left"> </td>
<td style="padding-bottom: 4px; text-align: left"> </td>
<td style="border-bottom: black 4px double; text-align: left">$</td>
<td style="border-bottom: black 4px double; text-align: right">89,217</td>
<td nowrap="nowrap" style="padding-bottom: 4px; text-align: left"> </td></tr>
</table>
<p style="text-align: left"></p>
<p style="text-align: justify; margin-left: 27pt; font: 10pt Times New Roman, Times, Serif">An analysis of the change in the allowance
for loan losses follows (in thousands): </p>
<p style="text-align: left"></p>
<table cellspacing="0" cellpadding="0" style="font: 8pt Times New Roman, Times, Serif; width: 100%">
<tr style="vertical-align: bottom">
<td style="font-size: 10pt"> </td>
<td style="font-size: 10pt"> </td>
<td style="text-align: left; font-weight: bold"> </td>
<td colspan="2" style="text-align: center; font-weight: bold; text-indent: 0pt">Residential</td>
<td nowrap="nowrap" style="text-align: center; font-weight: bold"> </td>
<td style="text-align: center; font-weight: bold"> </td>
<td colspan="2" style="text-align: center; font-weight: bold; text-indent: 0pt">Multi-Family</td>
<td nowrap="nowrap" style="text-align: center; font-weight: bold"> </td>
<td style="text-align: center; font-weight: bold"> </td>
<td colspan="2" style="text-align: center; font-weight: bold; text-indent: 0pt">Commercial</td>
<td nowrap="nowrap" style="text-align: center; font-weight: bold"> </td>
<td style="text-align: center; font-weight: bold"> </td>
<td colspan="2" style="text-align: center; font-weight: bold; text-indent: 0pt">Land</td>
<td nowrap="nowrap" style="text-align: center; font-weight: bold"> </td>
<td style="text-align: center"> </td>
<td colspan="2" style="text-align: center"> </td>
<td nowrap="nowrap" style="text-align: center"> </td>
<td style="text-align: center"> </td>
<td colspan="2" style="text-align: center"> </td>
<td nowrap="nowrap" style="text-align: center"> </td>
<td style="text-align: center"> </td>
<td colspan="2" style="text-align: center"> </td>
<td nowrap="nowrap" style="text-align: center"> </td></tr>
<tr style="vertical-align: bottom">
<td style="text-align: center"> </td>
<td style="text-align: center"> </td>
<td style="text-align: center; font-weight: bold"> </td>
<td colspan="2" style="text-align: center; font-weight: bold; text-indent: 0pt">Real</td>
<td nowrap="nowrap" style="text-align: center; font-weight: bold"> </td>
<td style="text-align: center; font-weight: bold"> </td>
<td colspan="2" style="text-align: center; font-weight: bold; text-indent: 0pt">Real</td>
<td nowrap="nowrap" style="text-align: center; font-weight: bold"> </td>
<td style="text-align: center; font-weight: bold"> </td>
<td colspan="2" style="text-align: center; font-weight: bold; text-indent: 0pt">Real</td>
<td nowrap="nowrap" style="text-align: center; font-weight: bold"> </td>
<td style="text-align: center; font-weight: bold"> </td>
<td colspan="2" style="text-align: center; font-weight: bold; text-indent: 0pt">and</td>
<td nowrap="nowrap" style="text-align: center; font-weight: bold"> </td>
<td style="text-align: center"> </td>
<td colspan="2" style="text-align: center"> </td>
<td nowrap="nowrap" style="text-align: center"> </td>
<td style="text-align: center"> </td>
<td colspan="2" style="text-align: center"> </td>
<td nowrap="nowrap" style="text-align: center"> </td>
<td style="text-align: center"> </td>
<td colspan="2" style="text-align: center"> </td>
<td nowrap="nowrap" style="text-align: center"> </td></tr>
<tr style="vertical-align: bottom">
<td style="padding-bottom: 2px; text-align: center"> </td>
<td style="padding-bottom: 2px; text-align: center"> </td>
<td style="padding-bottom: 2px; text-align: center; font-weight: bold"> </td>
<td colspan="2" style="border-bottom: black 2px solid; text-align: center; font-weight: bold; text-indent: 0pt">Estate</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: center; font-weight: bold"> </td>
<td style="padding-bottom: 2px; text-align: center; font-weight: bold"> </td>
<td colspan="2" style="border-bottom: black 2px solid; text-align: center; font-weight: bold; text-indent: 0pt">Estate</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: center; font-weight: bold"> </td>
<td style="padding-bottom: 2px; text-align: center; font-weight: bold"> </td>
<td colspan="2" style="border-bottom: black 2px solid; text-align: center; font-weight: bold; text-indent: 0pt">Estate</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: center; font-weight: bold"> </td>
<td style="padding-bottom: 2px; text-align: center; font-weight: bold"> </td>
<td colspan="2" style="border-bottom: black 2px solid; text-align: center; font-weight: bold; text-indent: 0pt">Construction</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: center; font-weight: bold"> </td>
<td style="padding-bottom: 2px; text-align: center; font-weight: bold"> </td>
<td colspan="2" style="border-bottom: black 2px solid; text-align: center; font-weight: bold; text-indent: 0pt">Commercial</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: center; font-weight: bold"> </td>
<td style="padding-bottom: 2px; text-align: center; font-weight: bold"> </td>
<td colspan="2" style="border-bottom: black 2px solid; text-align: center; font-weight: bold; text-indent: 0pt">Consumer</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: center; font-weight: bold"> </td>
<td style="padding-bottom: 2px; text-align: center; font-weight: bold"> </td>
<td colspan="2" style="border-bottom: black 2px solid; text-align: center; font-weight: bold; text-indent: 0pt">Total</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left; font-weight: bold"> </td></tr>
<tr style="vertical-align: bottom">
<td style="text-align: left; font-style: italic; font-weight: bold"> </td>
<td style="text-align: left; font-style: italic; font-weight: bold; padding-left: 9pt; text-indent: -9pt">Three Months Ended September 30, 2012:</td>
<td> </td>
<td colspan="2"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td colspan="2"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td colspan="2"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td colspan="2"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td colspan="2"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td colspan="2"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td colspan="2"> </td>
<td nowrap="nowrap" style="text-align: left"> </td></tr>
<tr style="background-color: #cceeff; vertical-align: bottom">
<td style="text-align: left; width: 6%; background-color: white"> </td>
<td style="padding-left: 9pt; text-align: left; width: 24%; text-indent: 0pt">Beginning balance</td>
<td style="text-align: left; width: 1%"> </td>
<td style="text-align: left; width: 1%">$</td>
<td style="text-align: right; width: 7%">703</td>
<td nowrap="nowrap" style="text-align: left; width: 1%"> </td>
<td style="text-align: left; width: 1%"> </td>
<td style="text-align: left; width: 1%">$</td>
<td style="text-align: right; width: 7%">245</td>
<td nowrap="nowrap" style="text-align: left; width: 1%"> </td>
<td style="text-align: left; width: 1%"> </td>
<td style="text-align: left; width: 1%">$</td>
<td style="text-align: right; width: 7%">799</td>
<td nowrap="nowrap" style="text-align: left; width: 1%"> </td>
<td style="text-align: left; width: 1%"> </td>
<td style="text-align: left; width: 1%">$</td>
<td style="text-align: right; width: 7%">215</td>
<td nowrap="nowrap" style="text-align: left; width: 1%"> </td>
<td style="text-align: left; width: 1%"> </td>
<td style="text-align: left; width: 1%">$</td>
<td style="text-align: right; width: 7%">115</td>
<td nowrap="nowrap" style="text-align: left; width: 1%"> </td>
<td style="text-align: left; width: 1%"> </td>
<td style="text-align: left; width: 1%">$</td>
<td style="text-align: right; width: 7%">25</td>
<td nowrap="nowrap" style="text-align: left; width: 1%"> </td>
<td style="text-align: left; width: 1%"> </td>
<td style="text-align: left; width: 1%">$</td>
<td style="text-align: right; width: 7%">2,102</td>
<td nowrap="nowrap" style="text-align: left; width: 1%"> </td></tr>
<tr style="background-color: white; vertical-align: bottom">
<td style="text-align: left"> </td>
<td style="text-align: left">
<p>Provision (credit) for loan losses</p></td>
<td style="text-align: left"> </td>
<td style="text-align: left"> </td>
<td style="text-align: right">(231</td>
<td nowrap="nowrap" style="text-align: left">)</td>
<td style="text-align: left"> </td>
<td style="text-align: left"> </td>
<td style="text-align: right">15</td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td style="text-align: left"> </td>
<td style="text-align: left"> </td>
<td style="text-align: right">364</td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td style="text-align: left"> </td>
<td style="text-align: left"> </td>
<td style="text-align: right">36</td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td style="text-align: left"> </td>
<td style="text-align: left"> </td>
<td style="text-align: right">12</td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td style="text-align: left"> </td>
<td style="text-align: left"> </td>
<td style="text-align: right">0</td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td style="text-align: left"> </td>
<td style="text-align: left"> </td>
<td style="text-align: right">196</td>
<td nowrap="nowrap" style="text-align: left"> </td></tr>
<tr style="background-color: #cceeff; vertical-align: bottom">
<td style="text-align: left; background-color: white"> </td>
<td style="padding-left: 9pt; text-align: left; text-indent: 0pt">Charge-offs</td>
<td style="text-align: left"> </td>
<td style="text-align: left"> </td>
<td style="text-align: right">0</td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td style="text-align: left"> </td>
<td style="text-align: left"> </td>
<td style="text-align: right">(1</td>
<td nowrap="nowrap" style="text-align: left">)</td>
<td style="text-align: left"> </td>
<td style="text-align: left"> </td>
<td style="text-align: right">(346</td>
<td nowrap="nowrap" style="text-align: left">)</td>
<td style="text-align: left"> </td>
<td style="text-align: left"> </td>
<td style="text-align: right">(53</td>
<td nowrap="nowrap" style="text-align: left">)</td>
<td style="text-align: left"> </td>
<td style="text-align: left"> </td>
<td style="text-align: right">0</td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td style="text-align: left"> </td>
<td style="text-align: left"> </td>
<td style="text-align: right">0</td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td style="text-align: left"> </td>
<td style="text-align: left"> </td>
<td style="text-align: right">(400</td>
<td nowrap="nowrap" style="text-align: left">)</td></tr>
<tr style="background-color: white; vertical-align: bottom">
<td style="padding-bottom: 2px; text-align: left"> </td>
<td style="padding-left: 9pt; padding-bottom: 2px; text-align: left; text-indent: 0pt">Recoveries</td>
<td style="padding-bottom: 2px; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: right">17</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left"> </td>
<td style="padding-bottom: 2px; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: right">0</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left"> </td>
<td style="padding-bottom: 2px; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: right">0</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left"> </td>
<td style="padding-bottom: 2px; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: right">17</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left"> </td>
<td style="padding-bottom: 2px; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: right">0</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left"> </td>
<td style="padding-bottom: 2px; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: right">4</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left"> </td>
<td style="padding-bottom: 2px; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: right">38</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left"> </td></tr>
<tr style="background-color: #cceeff; vertical-align: bottom">
<td style="background-color: white"> </td>
<td> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td></tr>
<tr style="background-color: white; vertical-align: bottom">
<td style="padding-bottom: 4px; text-align: left; background-color: white"> </td>
<td style="padding-left: 9pt; padding-bottom: 4px; text-align: left; text-indent: 0pt">Ending balance</td>
<td style="padding-bottom: 4px; text-align: left"> </td>
<td style="border-bottom: black 4px double; text-align: left">$</td>
<td style="border-bottom: black 4px double; text-align: right">489</td>
<td nowrap="nowrap" style="padding-bottom: 4px; text-align: left"> </td>
<td style="padding-bottom: 4px; text-align: left"> </td>
<td style="border-bottom: black 4px double; text-align: left">$</td>
<td style="border-bottom: black 4px double; text-align: right">259</td>
<td nowrap="nowrap" style="padding-bottom: 4px; text-align: left"> </td>
<td style="padding-bottom: 4px; text-align: left"> </td>
<td style="border-bottom: black 4px double; text-align: left">$</td>
<td style="border-bottom: black 4px double; text-align: right">817</td>
<td nowrap="nowrap" style="padding-bottom: 4px; text-align: left"> </td>
<td style="padding-bottom: 4px; text-align: left"> </td>
<td style="border-bottom: black 4px double; text-align: left">$</td>
<td style="border-bottom: black 4px double; text-align: right">215</td>
<td nowrap="nowrap" style="padding-bottom: 4px; text-align: left"> </td>
<td style="padding-bottom: 4px; text-align: left"> </td>
<td style="border-bottom: black 4px double; text-align: left">$</td>
<td style="border-bottom: black 4px double; text-align: right">127</td>
<td nowrap="nowrap" style="padding-bottom: 4px; text-align: left"> </td>
<td style="padding-bottom: 4px; text-align: left"> </td>
<td style="border-bottom: black 4px double; text-align: left">$</td>
<td style="border-bottom: black 4px double; text-align: right">29</td>
<td nowrap="nowrap" style="padding-bottom: 4px; text-align: left"> </td>
<td style="padding-bottom: 4px; text-align: left"> </td>
<td style="border-bottom: black 4px double; text-align: left">$</td>
<td style="border-bottom: black 4px double; text-align: right">1,936</td>
<td nowrap="nowrap" style="padding-bottom: 4px; text-align: left"> </td></tr>
<tr style="background-color: #cceeff; vertical-align: bottom">
<td style="background-color: white"> </td>
<td> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td></tr>
<tr style="background-color: white; vertical-align: bottom">
<td style="text-align: left; font-style: italic; font-weight: bold"> </td>
<td style="text-align: left; font-style: italic; font-weight: bold; text-indent: 0pt">Nine Months Ended September 30, 2012:</td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td></tr>
<tr style="background-color: #cceeff; vertical-align: bottom">
<td style="text-align: left; background-color: white"> </td>
<td style="padding-left: 9pt; text-align: left; text-indent: 0pt">Beginning balance</td>
<td style="text-align: left"> </td>
<td style="text-align: left">$</td>
<td style="text-align: right">549</td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td style="text-align: left"> </td>
<td style="text-align: left">$</td>
<td style="text-align: right">247</td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td style="text-align: left"> </td>
<td style="text-align: left">$</td>
<td style="text-align: right">1,190</td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td style="text-align: left"> </td>
<td style="text-align: left">$</td>
<td style="text-align: right">187</td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td style="text-align: left"> </td>
<td style="text-align: left">$</td>
<td style="text-align: right">161</td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td style="text-align: left"> </td>
<td style="text-align: left">$</td>
<td style="text-align: right">15</td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td style="text-align: left"> </td>
<td style="text-align: left">$</td>
<td style="text-align: right">2,349</td>
<td nowrap="nowrap" style="text-align: left"> </td></tr>
<tr style="background-color: white; vertical-align: bottom">
<td style="text-align: left"> </td>
<td style="text-align: left">
<p>Provision (credit) for loan losses</p></td>
<td style="text-align: left"> </td>
<td style="text-align: left"> </td>
<td style="text-align: right">70</td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td style="text-align: left"> </td>
<td style="text-align: left"> </td>
<td style="text-align: right">12</td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td style="text-align: left"> </td>
<td style="text-align: left"> </td>
<td style="text-align: right">154</td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td style="text-align: left"> </td>
<td style="text-align: left"> </td>
<td style="text-align: right">170</td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td style="text-align: left"> </td>
<td style="text-align: left"> </td>
<td style="text-align: right">(33</td>
<td nowrap="nowrap" style="text-align: left">)</td>
<td style="text-align: left"> </td>
<td style="text-align: left"> </td>
<td style="text-align: right">5</td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td style="text-align: left"> </td>
<td style="text-align: left"> </td>
<td style="text-align: right">378</td>
<td nowrap="nowrap" style="text-align: left"> </td></tr>
<tr style="background-color: #cceeff; vertical-align: bottom">
<td style="text-align: left; background-color: white"> </td>
<td style="padding-left: 9pt; text-align: left; text-indent: 0pt">Charge-offs</td>
<td style="text-align: left"> </td>
<td style="text-align: left"> </td>
<td style="text-align: right">(146</td>
<td nowrap="nowrap" style="text-align: left">)</td>
<td style="text-align: left"> </td>
<td style="text-align: left"> </td>
<td style="text-align: right">0</td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td style="text-align: left"> </td>
<td style="text-align: left"> </td>
<td style="text-align: right">(557</td>
<td nowrap="nowrap" style="text-align: left">)</td>
<td style="text-align: left"> </td>
<td style="text-align: left"> </td>
<td style="text-align: right">(388</td>
<td nowrap="nowrap" style="text-align: left">)</td>
<td style="text-align: left"> </td>
<td style="text-align: left"> </td>
<td style="text-align: right">(1</td>
<td nowrap="nowrap" style="text-align: left">)</td>
<td style="text-align: left"> </td>
<td style="text-align: left"> </td>
<td style="text-align: right">0</td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td style="text-align: left"> </td>
<td style="text-align: left"> </td>
<td style="text-align: right">(1,092</td>
<td nowrap="nowrap" style="text-align: left">)</td></tr>
<tr style="background-color: white; vertical-align: bottom">
<td style="padding-bottom: 2px; text-align: left"> </td>
<td style="padding-left: 9pt; padding-bottom: 2px; text-align: left; text-indent: 0pt">Recoveries</td>
<td style="padding-bottom: 2px; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: right">16</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left"> </td>
<td style="padding-bottom: 2px; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: right">0</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left"> </td>
<td style="padding-bottom: 2px; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: right">30</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left"> </td>
<td style="padding-bottom: 2px; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: right">246</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left"> </td>
<td style="padding-bottom: 2px; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: right">0</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left"> </td>
<td style="padding-bottom: 2px; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: right">9</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left"> </td>
<td style="padding-bottom: 2px; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: right">301</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left"> </td></tr>
<tr style="background-color: #cceeff; vertical-align: bottom">
<td style="background-color: white"> </td>
<td> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td></tr>
<tr style="background-color: white; vertical-align: bottom">
<td style="padding-bottom: 4px; text-align: left"> </td>
<td style="padding-left: 9pt; padding-bottom: 4px; text-align: left; text-indent: 0pt">Ending balance</td>
<td style="padding-bottom: 4px; text-align: left"> </td>
<td style="border-bottom: black 4px double; text-align: left">$</td>
<td style="border-bottom: black 4px double; text-align: right">489</td>
<td nowrap="nowrap" style="padding-bottom: 4px; text-align: left"> </td>
<td style="padding-bottom: 4px; text-align: left"> </td>
<td style="border-bottom: black 4px double; text-align: left">$</td>
<td style="border-bottom: black 4px double; text-align: right">259</td>
<td nowrap="nowrap" style="padding-bottom: 4px; text-align: left"> </td>
<td style="padding-bottom: 4px; text-align: left"> </td>
<td style="border-bottom: black 4px double; text-align: left">$</td>
<td style="border-bottom: black 4px double; text-align: right">817</td>
<td nowrap="nowrap" style="padding-bottom: 4px; text-align: left"> </td>
<td style="padding-bottom: 4px; text-align: left"> </td>
<td style="border-bottom: black 4px double; text-align: left">$</td>
<td style="border-bottom: black 4px double; text-align: right">215</td>
<td nowrap="nowrap" style="padding-bottom: 4px; text-align: left"> </td>
<td style="padding-bottom: 4px; text-align: left"> </td>
<td style="border-bottom: black 4px double; text-align: left">$</td>
<td style="border-bottom: black 4px double; text-align: right">127</td>
<td nowrap="nowrap" style="padding-bottom: 4px; text-align: left"> </td>
<td style="padding-bottom: 4px; text-align: left"> </td>
<td style="border-bottom: black 4px double; text-align: left">$</td>
<td style="border-bottom: black 4px double; text-align: right">29</td>
<td nowrap="nowrap" style="padding-bottom: 4px; text-align: left"> </td>
<td style="padding-bottom: 4px; text-align: left"> </td>
<td style="border-bottom: black 4px double; text-align: left">$</td>
<td style="border-bottom: black 4px double; text-align: right">1,936</td>
<td nowrap="nowrap" style="padding-bottom: 4px; text-align: left; font-size: 10pt"> </td></tr>
<tr style="background-color: #cceeff; vertical-align: bottom">
<td style="background-color: white; font-size: 10pt"> </td>
<td style="font-size: 10pt"> </td>
<td style="font-size: 10pt"> </td>
<td style="text-align: left; font-size: 10pt"> </td>
<td style="text-align: right; font-size: 10pt"> </td>
<td nowrap="nowrap" style="text-align: left; font-size: 10pt"> </td>
<td style="font-size: 10pt"> </td>
<td style="text-align: left; font-size: 10pt"> </td>
<td style="text-align: right; font-size: 10pt"> </td>
<td nowrap="nowrap" style="text-align: left; font-size: 10pt"> </td>
<td style="font-size: 10pt"> </td>
<td style="text-align: left; font-size: 10pt"> </td>
<td style="text-align: right; font-size: 10pt"> </td>
<td nowrap="nowrap" style="text-align: left; font-size: 10pt"> </td>
<td style="font-size: 10pt"> </td>
<td style="text-align: left; font-size: 10pt"> </td>
<td style="text-align: right; font-size: 10pt"> </td>
<td nowrap="nowrap" style="text-align: left; font-size: 10pt"> </td>
<td style="font-size: 10pt"> </td>
<td style="text-align: left; font-size: 10pt"> </td>
<td style="text-align: right; font-size: 10pt"> </td>
<td nowrap="nowrap" style="text-align: left; font-size: 10pt"> </td>
<td style="font-size: 10pt"> </td>
<td style="text-align: left; font-size: 10pt"> </td>
<td style="text-align: right; font-size: 10pt"> </td>
<td nowrap="nowrap" style="text-align: left; font-size: 10pt"> </td>
<td style="font-size: 10pt"> </td>
<td style="text-align: left; font-size: 10pt"> </td>
<td style="text-align: right; font-size: 10pt"> </td>
<td nowrap="nowrap" style="text-align: left; font-size: 10pt"> </td></tr>
</table>
<p style="text-align: left">  </p>
<p style="font: 1pt Times New Roman, Times, Serif; margin: 0"> </p>
<p style="text-align: center; text-indent: 0pt; margin-right: 0; margin-left: 0; font: 10pt Times New Roman, Times, Serif"></p>
<p style="text-align: left"> </p>
<table cellspacing="0" cellpadding="0" style="font: 8pt Times New Roman, Times, Serif; width: 100%">
<tr style="vertical-align: bottom">
<td style="padding-bottom: 2px; font-size: 10pt"> </td>
<td style="padding-bottom: 2px; font-size: 10pt"> </td>
<td style="padding-bottom: 2px; text-align: left; font-weight: bold"> </td>
<td colspan="2" style="border-bottom: black 2px solid; text-align: center">
<p>Residential</p>
<p>Real</p>
<p>Estate</p></td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: center; font-weight: bold"> </td>
<td style="padding-bottom: 2px; text-align: center; font-weight: bold"> </td>
<td colspan="2" style="border-bottom: black 2px solid; text-align: center">
<p>Multi-Family</p>
<p>Real</p>
<p>Estate</p></td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: center; font-weight: bold"> </td>
<td style="padding-bottom: 2px; text-align: center; font-weight: bold"> </td>
<td colspan="2" style="border-bottom: black 2px solid; text-align: center">
<p>Commercial</p>
<p>Real</p>
<p>Estate</p></td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: center; font-weight: bold"> </td>
<td style="padding-bottom: 2px; text-align: center; font-weight: bold"> </td>
<td colspan="2" style="border-bottom: black 2px solid; text-align: center">
<p>Land</p>
<p>and</p>
<p>Construction</p></td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: center; font-weight: bold"> </td>
<td style="padding-bottom: 2px; text-align: center; font-weight: bold"> </td>
<td colspan="2" style="border-bottom: black 2px solid; text-align: center; font-weight: bold; text-indent: 0pt">Consumer</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: center; font-weight: bold"> </td>
<td style="padding-bottom: 2px; text-align: center; font-weight: bold"> </td>
<td colspan="2" style="border-bottom: black 2px solid; text-align: center; font-weight: bold; text-indent: 0pt">Total</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left; font-weight: bold"> </td></tr>
<tr style="vertical-align: bottom">
<td style="text-align: left; font-style: italic; font-weight: bold"> </td>
<td style="text-align: left; font-style: italic; font-weight: bold; text-indent: 0pt">Three Months Ended September 30, 2011:</td>
<td> </td>
<td colspan="2"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td colspan="2"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td colspan="2"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td colspan="2"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td colspan="2"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td colspan="2"> </td>
<td nowrap="nowrap" style="text-align: left"> </td></tr>
<tr style="background-color: #cceeff; vertical-align: bottom">
<td style="text-align: left; width: 6%; background-color: white"> </td>
<td style="padding-left: 9pt; text-align: left; width: 28%; text-indent: 0pt">Beginning balance</td>
<td style="text-align: left; width: 1%"> </td>
<td style="text-align: left; width: 1%">$</td>
<td style="text-align: right; width: 8%">1,093</td>
<td nowrap="nowrap" style="text-align: left; width: 1%"> </td>
<td style="text-align: left; width: 1%"> </td>
<td style="text-align: left; width: 1%">$</td>
<td style="text-align: right; width: 8%">308</td>
<td nowrap="nowrap" style="text-align: left; width: 1%"> </td>
<td style="text-align: left; width: 1%"> </td>
<td style="text-align: left; width: 1%">$</td>
<td style="text-align: right; width: 8%">1,400</td>
<td nowrap="nowrap" style="text-align: left; width: 1%"> </td>
<td style="text-align: left; width: 1%"> </td>
<td style="text-align: left; width: 1%">$</td>
<td style="text-align: right; width: 8%">197</td>
<td nowrap="nowrap" style="text-align: left; width: 1%"> </td>
<td style="text-align: left; width: 1%"> </td>
<td style="text-align: left; width: 1%">$</td>
<td style="text-align: right; width: 8%">77</td>
<td nowrap="nowrap" style="text-align: left; width: 1%"> </td>
<td style="text-align: left; width: 1%"> </td>
<td style="text-align: left; width: 1%">$</td>
<td style="text-align: right; width: 8%">3,075</td>
<td nowrap="nowrap" style="text-align: left; width: 1%"> </td></tr>
<tr style="background-color: white; vertical-align: bottom">
<td style="text-align: left"> </td>
<td style="padding-left: 9pt; text-align: left; text-indent: 0pt">Provision for loan losses</td>
<td style="text-align: left"> </td>
<td style="text-align: left"> </td>
<td style="text-align: right">(644</td>
<td nowrap="nowrap" style="text-align: left">)</td>
<td style="text-align: left"> </td>
<td style="text-align: left"> </td>
<td style="text-align: right">135</td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td style="text-align: left"> </td>
<td style="text-align: left"> </td>
<td style="text-align: right">374</td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td style="text-align: left"> </td>
<td style="text-align: left"> </td>
<td style="text-align: right">(117</td>
<td nowrap="nowrap" style="text-align: left">)</td>
<td style="text-align: left"> </td>
<td style="text-align: left"> </td>
<td style="text-align: right">9</td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td style="text-align: left"> </td>
<td style="text-align: left"> </td>
<td style="text-align: right">(243</td>
<td nowrap="nowrap" style="text-align: left">)</td></tr>
<tr style="background-color: #cceeff; vertical-align: bottom">
<td style="text-align: left; background-color: white"> </td>
<td style="padding-left: 9pt; text-align: left; text-indent: 0pt">Charge-offs</td>
<td style="text-align: left"> </td>
<td style="text-align: left"> </td>
<td style="text-align: right">0</td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td style="text-align: left"> </td>
<td style="text-align: left"> </td>
<td style="text-align: right">0</td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td style="text-align: left"> </td>
<td style="text-align: left"> </td>
<td style="text-align: right">(150</td>
<td nowrap="nowrap" style="text-align: left">)</td>
<td style="text-align: left"> </td>
<td style="text-align: left"> </td>
<td style="text-align: right">0</td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td style="text-align: left"> </td>
<td style="text-align: left"> </td>
<td style="text-align: right">0</td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td style="text-align: left"> </td>
<td style="text-align: left"> </td>
<td style="text-align: right">(150</td>
<td nowrap="nowrap" style="text-align: left">)</td></tr>
<tr style="background-color: white; vertical-align: bottom">
<td style="padding-bottom: 2px; text-align: left; background-color: white"> </td>
<td style="padding-left: 9pt; padding-bottom: 2px; text-align: left; text-indent: 0pt">Recoveries</td>
<td style="padding-bottom: 2px; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: right">328</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left"> </td>
<td style="padding-bottom: 2px; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: right">2</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left"> </td>
<td style="padding-bottom: 2px; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: right">0</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left"> </td>
<td style="padding-bottom: 2px; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: right">121</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left"> </td>
<td style="padding-bottom: 2px; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: right">4</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left"> </td>
<td style="padding-bottom: 2px; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: right">455</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left"> </td></tr>
<tr style="background-color: #cceeff; vertical-align: bottom">
<td style="background-color: white"> </td>
<td> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td></tr>
<tr style="background-color: white; vertical-align: bottom">
<td style="padding-bottom: 4px; text-align: left"> </td>
<td style="padding-left: 9pt; padding-bottom: 4px; text-align: left; text-indent: 0pt">Ending balance</td>
<td style="padding-bottom: 4px; text-align: left"> </td>
<td style="border-bottom: black 4px double; text-align: left">$</td>
<td style="border-bottom: black 4px double; text-align: right">777</td>
<td nowrap="nowrap" style="padding-bottom: 4px; text-align: left"> </td>
<td style="padding-bottom: 4px; text-align: left"> </td>
<td style="border-bottom: black 4px double; text-align: left">$</td>
<td style="border-bottom: black 4px double; text-align: right">445</td>
<td nowrap="nowrap" style="padding-bottom: 4px; text-align: left"> </td>
<td style="padding-bottom: 4px; text-align: left"> </td>
<td style="border-bottom: black 4px double; text-align: left">$</td>
<td style="border-bottom: black 4px double; text-align: right">1,624</td>
<td nowrap="nowrap" style="padding-bottom: 4px; text-align: left"> </td>
<td style="padding-bottom: 4px; text-align: left"> </td>
<td style="border-bottom: black 4px double; text-align: left">$</td>
<td style="border-bottom: black 4px double; text-align: right">201</td>
<td nowrap="nowrap" style="padding-bottom: 4px; text-align: left"> </td>
<td style="padding-bottom: 4px; text-align: left"> </td>
<td style="border-bottom: black 4px double; text-align: left">$</td>
<td style="border-bottom: black 4px double; text-align: right">90</td>
<td nowrap="nowrap" style="padding-bottom: 4px; text-align: left"> </td>
<td style="padding-bottom: 4px; text-align: left"> </td>
<td style="border-bottom: black 4px double; text-align: left">$</td>
<td style="border-bottom: black 4px double; text-align: right">3,137</td>
<td nowrap="nowrap" style="padding-bottom: 4px; text-align: left"> </td></tr>
<tr style="background-color: #cceeff; vertical-align: bottom">
<td style="background-color: white"> </td>
<td> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td></tr>
<tr style="background-color: white; vertical-align: bottom">
<td style="text-align: left; font-style: italic; font-weight: bold"> </td>
<td style="text-align: left; font-style: italic; font-weight: bold; text-indent: 0pt">Nine Months Ended September 30, 2011:</td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td></tr>
<tr style="background-color: #cceeff; vertical-align: bottom">
<td style="text-align: left; background-color: white"> </td>
<td style="padding-left: 9pt; text-align: left; text-indent: 0pt">Beginning balance</td>
<td style="text-align: left"> </td>
<td style="text-align: left">$</td>
<td style="text-align: right">1,285</td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td style="text-align: left"> </td>
<td style="text-align: left">$</td>
<td style="text-align: right">282</td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td style="text-align: left"> </td>
<td style="text-align: left">$</td>
<td style="text-align: right">1,542</td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td style="text-align: left"> </td>
<td style="text-align: left">$</td>
<td style="text-align: right">514</td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td style="text-align: left"> </td>
<td style="text-align: left">$</td>
<td style="text-align: right">80</td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td style="text-align: left"> </td>
<td style="text-align: left">$</td>
<td style="text-align: right">3,703</td>
<td nowrap="nowrap" style="text-align: left"> </td></tr>
<tr style="background-color: white; vertical-align: bottom">
<td style="text-align: left"> </td>
<td style="padding-left: 9pt; text-align: left; text-indent: 0pt">Provision (credit) for loan losses</td>
<td style="text-align: left"> </td>
<td style="text-align: left"> </td>
<td style="text-align: right">(562</td>
<td nowrap="nowrap" style="text-align: left">)</td>
<td style="text-align: left"> </td>
<td style="text-align: left"> </td>
<td style="text-align: right">158</td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td style="text-align: left"> </td>
<td style="text-align: left"> </td>
<td style="text-align: right">284</td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td style="text-align: left"> </td>
<td style="text-align: left"> </td>
<td style="text-align: right">772</td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td style="text-align: left"> </td>
<td style="text-align: left"> </td>
<td style="text-align: right">0</td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td style="text-align: left"> </td>
<td style="text-align: left"> </td>
<td style="text-align: right">652</td>
<td nowrap="nowrap" style="text-align: left"> </td></tr>
<tr style="background-color: #cceeff; vertical-align: bottom">
<td style="text-align: left; background-color: white"> </td>
<td style="padding-left: 9pt; text-align: left; text-indent: 0pt">Charge-offs</td>
<td style="text-align: left"> </td>
<td style="text-align: left"> </td>
<td style="text-align: right">(308</td>
<td nowrap="nowrap" style="text-align: left">)</td>
<td style="text-align: left"> </td>
<td style="text-align: left"> </td>
<td style="text-align: right">0</td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td style="text-align: left"> </td>
<td style="text-align: left"> </td>
<td style="text-align: right">(202</td>
<td nowrap="nowrap" style="text-align: left">)</td>
<td style="text-align: left"> </td>
<td style="text-align: left"> </td>
<td style="text-align: right">(1,230</td>
<td nowrap="nowrap" style="text-align: left">)</td>
<td style="text-align: left"> </td>
<td style="text-align: left"> </td>
<td style="text-align: right">0</td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td style="text-align: left"> </td>
<td style="text-align: left"> </td>
<td style="text-align: right">(1,740</td>
<td nowrap="nowrap" style="text-align: left">)</td></tr>
<tr style="background-color: white; vertical-align: bottom">
<td style="padding-bottom: 2px; text-align: left"> </td>
<td style="padding-left: 9pt; padding-bottom: 2px; text-align: left; text-indent: 0pt">Recoveries</td>
<td style="padding-bottom: 2px; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: right">362</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left"> </td>
<td style="padding-bottom: 2px; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: right">5</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left"> </td>
<td style="padding-bottom: 2px; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: right">0</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left"> </td>
<td style="padding-bottom: 2px; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: right">145</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left"> </td>
<td style="padding-bottom: 2px; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: right">10</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left"> </td>
<td style="padding-bottom: 2px; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: right">522</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left"> </td></tr>
<tr style="background-color: #cceeff; vertical-align: bottom">
<td style="background-color: white"> </td>
<td> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td></tr>
<tr style="background-color: white; vertical-align: bottom">
<td style="padding-bottom: 4px; text-align: left"> </td>
<td style="padding-left: 9pt; padding-bottom: 4px; text-align: left; text-indent: 0pt">Ending balance</td>
<td style="padding-bottom: 4px; text-align: left"> </td>
<td style="border-bottom: black 4px double; text-align: left">$</td>
<td style="border-bottom: black 4px double; text-align: right">777</td>
<td nowrap="nowrap" style="padding-bottom: 4px; text-align: left"> </td>
<td style="padding-bottom: 4px; text-align: left"> </td>
<td style="border-bottom: black 4px double; text-align: left">$</td>
<td style="border-bottom: black 4px double; text-align: right">445</td>
<td nowrap="nowrap" style="padding-bottom: 4px; text-align: left"> </td>
<td style="padding-bottom: 4px; text-align: left"> </td>
<td style="border-bottom: black 4px double; text-align: left">$</td>
<td style="border-bottom: black 4px double; text-align: right">1,624</td>
<td nowrap="nowrap" style="padding-bottom: 4px; text-align: left"> </td>
<td style="padding-bottom: 4px; text-align: left"> </td>
<td style="border-bottom: black 4px double; text-align: left">$</td>
<td style="border-bottom: black 4px double; text-align: right">201</td>
<td nowrap="nowrap" style="padding-bottom: 4px; text-align: left"> </td>
<td style="padding-bottom: 4px; text-align: left"> </td>
<td style="border-bottom: black 4px double; text-align: left">$</td>
<td style="border-bottom: black 4px double; text-align: right">90</td>
<td nowrap="nowrap" style="padding-bottom: 4px; text-align: left"> </td>
<td style="padding-bottom: 4px; text-align: left"> </td>
<td style="border-bottom: black 4px double; text-align: left">$</td>
<td style="border-bottom: black 4px double; text-align: right">3,137</td>
<td nowrap="nowrap" style="padding-bottom: 4px; text-align: left; font-size: 10pt"> </td></tr>
</table>
<p style="text-align: left"> </p>
<table cellspacing="0" cellpadding="0" style="font: 8pt Times New Roman, Times, Serif; width: 100%">
<tr style="vertical-align: bottom">
<td style="font-size: 10pt"> </td>
<td style="font-size: 10pt"> </td>
<td> </td>
<td colspan="2"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td colspan="2"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td colspan="2"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td colspan="2"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td colspan="2"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td colspan="2"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td colspan="2"> </td>
<td nowrap="nowrap" style="text-align: left"> </td></tr>
<tr style="vertical-align: bottom">
<td style="padding-bottom: 2px"> </td>
<td style="padding-bottom: 2px"> </td>
<td style="padding-bottom: 2px"> </td>
<td colspan="26" style="border-bottom: black 2px solid; text-align: center; font-weight: bold">At September 30, 2012</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left"> </td></tr>
<tr style="vertical-align: bottom">
<td style="padding-bottom: 2px; text-align: center"> </td>
<td style="padding-bottom: 2px; text-align: center"> </td>
<td style="padding-bottom: 2px; text-align: center; font-weight: bold"> </td>
<td colspan="2" style="border-bottom: black 2px solid; text-align: center">
<p>Residential</p>
<p>Real</p>
<p>Estate</p></td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left; font-weight: bold"> </td>
<td style="padding-bottom: 2px; text-align: center; font-weight: bold"> </td>
<td colspan="2" style="border-bottom: black 2px solid; text-align: center">
<p>Multi-Family</p>
<p>Real</p>
<p>Estate</p></td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left; font-weight: bold"> </td>
<td style="padding-bottom: 2px; text-align: center; font-weight: bold"> </td>
<td colspan="2" style="border-bottom: black 2px solid; text-align: center">
<p>Commercial</p>
<p>Real</p>
<p>Estate</p></td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left; font-weight: bold"> </td>
<td style="padding-bottom: 2px; text-align: center; font-weight: bold"> </td>
<td colspan="2" style="border-bottom: black 2px solid; text-align: center">
<p>Land</p>
<p>and</p>
<p>Construction</p></td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left; font-weight: bold"> </td>
<td style="padding-bottom: 2px; text-align: center; font-weight: bold"> </td>
<td colspan="2" style="border-bottom: black 2px solid; text-align: center; font-weight: bold; text-indent: 0pt">Commercial</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left; font-weight: bold"> </td>
<td style="padding-bottom: 2px; text-align: center; font-weight: bold"> </td>
<td colspan="2" style="border-bottom: black 2px solid; text-align: center; font-weight: bold; text-indent: 0pt">Consumer</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left; font-weight: bold"> </td>
<td style="padding-bottom: 2px; text-align: center; font-weight: bold"> </td>
<td colspan="2" style="border-bottom: black 2px solid; text-align: center; font-weight: bold; text-indent: 0pt">Total</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left; font-weight: bold"> </td></tr>
<tr style="vertical-align: bottom">
<td style="text-align: left"> </td>
<td style="text-align: left; text-indent: 0pt"> </td>
<td> </td>
<td colspan="2"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td colspan="2"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td colspan="2"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td colspan="2"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td colspan="2"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td colspan="2"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td colspan="2"> </td>
<td nowrap="nowrap" style="text-align: left"> </td></tr>
<tr style="vertical-align: bottom">
<td style="text-align: left"> </td>
<td style="text-indent: 0pt; text-align: left">
<p>Individually evaluated for<br />
impairment:</p></td>
<td> </td>
<td colspan="2"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td colspan="2"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td colspan="2"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td colspan="2"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td colspan="2"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td colspan="2"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td colspan="2"> </td>
<td nowrap="nowrap" style="text-align: left"> </td></tr>
<tr style="background-color: #cceeff; vertical-align: bottom">
<td style="padding-bottom: 4px; width: 6%; background-color: white; text-align: left"> </td>
<td style="padding-left: 18pt; padding-bottom: 4px; width: 17%; text-align: left; text-indent: 0pt">Recorded investment</td>
<td style="padding-bottom: 4px; text-align: left; width: 1%"> </td>
<td style="border-bottom: black 4px double; text-align: left; width: 1%">$</td>
<td style="border-bottom: black 4px double; text-align: right; width: 8%">7,628</td>
<td nowrap="nowrap" style="padding-bottom: 4px; text-align: left; width: 1%"> </td>
<td style="padding-bottom: 4px; text-align: left; width: 1%"> </td>
<td style="border-bottom: black 4px double; text-align: left; width: 1%">$</td>
<td style="border-bottom: black 4px double; text-align: right; width: 8%">0</td>
<td nowrap="nowrap" style="padding-bottom: 4px; text-align: left; width: 1%"> </td>
<td style="padding-bottom: 4px; text-align: left; width: 1%"> </td>
<td style="border-bottom: black 4px double; text-align: left; width: 1%">$</td>
<td style="border-bottom: black 4px double; text-align: right; width: 8%">13,933</td>
<td nowrap="nowrap" style="padding-bottom: 4px; text-align: left; width: 1%"> </td>
<td style="padding-bottom: 4px; text-align: left; width: 1%"> </td>
<td style="border-bottom: black 4px double; text-align: left; width: 1%">$</td>
<td style="border-bottom: black 4px double; text-align: right; width: 8%">905</td>
<td nowrap="nowrap" style="padding-bottom: 4px; text-align: left; width: 1%"> </td>
<td style="padding-bottom: 4px; text-align: left; width: 1%"> </td>
<td style="border-bottom: black 4px double; text-align: left; width: 1%">$</td>
<td style="border-bottom: black 4px double; text-align: right; width: 8%">0</td>
<td nowrap="nowrap" style="padding-bottom: 4px; text-align: left; width: 1%"> </td>
<td style="padding-bottom: 4px; text-align: left; width: 1%"> </td>
<td style="border-bottom: black 4px double; text-align: left; width: 1%">$</td>
<td style="border-bottom: black 4px double; text-align: right; width: 8%">0</td>
<td nowrap="nowrap" style="padding-bottom: 4px; text-align: left; width: 1%"> </td>
<td style="padding-bottom: 4px; text-align: left; width: 1%"> </td>
<td style="border-bottom: black 4px double; text-align: left; width: 1%">$</td>
<td style="border-bottom: black 4px double; text-align: right; width: 8%">22,466</td>
<td nowrap="nowrap" style="padding-bottom: 4px; text-align: left; width: 1%"> </td></tr>
<tr style="background-color: white; vertical-align: bottom">
<td style="padding-bottom: 4px; text-align: left"> </td>
<td style="padding-bottom: 4px; text-align: left">
<p>Balance in allowance<br />
for loan losses</p></td>
<td style="padding-bottom: 4px; text-align: left"> </td>
<td style="border-bottom: black 4px double; text-align: left">$</td>
<td style="border-bottom: black 4px double; text-align: right">0</td>
<td nowrap="nowrap" style="padding-bottom: 4px; text-align: left"> </td>
<td style="padding-bottom: 4px; text-align: left"> </td>
<td style="border-bottom: black 4px double; text-align: left">$</td>
<td style="border-bottom: black 4px double; text-align: right">0</td>
<td nowrap="nowrap" style="padding-bottom: 4px; text-align: left"> </td>
<td style="padding-bottom: 4px; text-align: left"> </td>
<td style="border-bottom: black 4px double; text-align: left">$</td>
<td style="border-bottom: black 4px double; text-align: right">0</td>
<td nowrap="nowrap" style="padding-bottom: 4px; text-align: left"> </td>
<td style="padding-bottom: 4px; text-align: left"> </td>
<td style="border-bottom: black 4px double; text-align: left">$</td>
<td style="border-bottom: black 4px double; text-align: right">0</td>
<td nowrap="nowrap" style="padding-bottom: 4px; text-align: left"> </td>
<td style="padding-bottom: 4px; text-align: left"> </td>
<td style="border-bottom: black 4px double; text-align: left">$</td>
<td style="border-bottom: black 4px double; text-align: right">0</td>
<td nowrap="nowrap" style="padding-bottom: 4px; text-align: left"> </td>
<td style="padding-bottom: 4px; text-align: left"> </td>
<td style="border-bottom: black 4px double; text-align: left">$</td>
<td style="border-bottom: black 4px double; text-align: right">0</td>
<td nowrap="nowrap" style="padding-bottom: 4px; text-align: left"> </td>
<td style="padding-bottom: 4px; text-align: left"> </td>
<td style="border-bottom: black 4px double; text-align: left">$</td>
<td style="border-bottom: black 4px double; text-align: right">0</td>
<td nowrap="nowrap" style="padding-bottom: 4px; text-align: left"> </td></tr>
<tr style="background-color: #cceeff; vertical-align: bottom">
<td style="background-color: white"> </td>
<td> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td></tr>
<tr style="background-color: white; vertical-align: bottom">
<td style="text-align: left"> </td>
<td style="text-align: left">
<p>Collectively evaluated for<br />
<font style="font: 8pt Times New Roman, Times, Serif">impairment:</font></p></td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td></tr>
<tr style="background-color: #cceeff; vertical-align: bottom">
<td style="padding-bottom: 4px; background-color: white; text-align: left"> </td>
<td style="padding-left: 18pt; padding-bottom: 4px; text-align: left; text-indent: 0pt">Recorded investment</td>
<td style="padding-bottom: 4px; text-align: left"> </td>
<td style="border-bottom: black 4px double; text-align: left">$</td>
<td style="border-bottom: black 4px double; text-align: right">24,802</td>
<td nowrap="nowrap" style="padding-bottom: 4px; text-align: left"> </td>
<td style="padding-bottom: 4px; text-align: left"> </td>
<td style="border-bottom: black 4px double; text-align: left">$</td>
<td style="border-bottom: black 4px double; text-align: right">4,182</td>
<td nowrap="nowrap" style="padding-bottom: 4px; text-align: left"> </td>
<td style="padding-bottom: 4px; text-align: left"> </td>
<td style="border-bottom: black 4px double; text-align: left">$</td>
<td style="border-bottom: black 4px double; text-align: right">25,288</td>
<td nowrap="nowrap" style="padding-bottom: 4px; text-align: left"> </td>
<td style="padding-bottom: 4px; text-align: left"> </td>
<td style="border-bottom: black 4px double; text-align: left">$</td>
<td style="border-bottom: black 4px double; text-align: right">6,418</td>
<td nowrap="nowrap" style="padding-bottom: 4px; text-align: left"> </td>
<td style="padding-bottom: 4px; text-align: left"> </td>
<td style="border-bottom: black 4px double; text-align: left">$</td>
<td style="border-bottom: black 4px double; text-align: right">3,959</td>
<td nowrap="nowrap" style="padding-bottom: 4px; text-align: left"> </td>
<td style="padding-bottom: 4px; text-align: left"> </td>
<td style="border-bottom: black 4px double; text-align: left">$</td>
<td style="border-bottom: black 4px double; text-align: right">123</td>
<td nowrap="nowrap" style="padding-bottom: 4px; text-align: left"> </td>
<td style="padding-bottom: 4px; text-align: left"> </td>
<td style="border-bottom: black 4px double; text-align: left">$</td>
<td style="border-bottom: black 4px double; text-align: right">64,772</td>
<td nowrap="nowrap" style="padding-bottom: 4px; text-align: left"> </td></tr>
<tr style="background-color: white; vertical-align: bottom">
<td style="padding-bottom: 4px; text-align: left"> </td>
<td style="padding-bottom: 4px; text-align: left">
<p>Balance in allowance<br />
for loan losses</p></td>
<td style="padding-bottom: 4px; text-align: left"> </td>
<td style="border-bottom: black 4px double; text-align: left">$</td>
<td style="border-bottom: black 4px double; text-align: right">489</td>
<td nowrap="nowrap" style="padding-bottom: 4px; text-align: left"> </td>
<td style="padding-bottom: 4px; text-align: left"> </td>
<td style="border-bottom: black 4px double; text-align: left">$</td>
<td style="border-bottom: black 4px double; text-align: right">259</td>
<td nowrap="nowrap" style="padding-bottom: 4px; text-align: left"> </td>
<td style="padding-bottom: 4px; text-align: left"> </td>
<td style="border-bottom: black 4px double; text-align: left">$</td>
<td style="border-bottom: black 4px double; text-align: right">817</td>
<td nowrap="nowrap" style="padding-bottom: 4px; text-align: left"> </td>
<td style="padding-bottom: 4px; text-align: left"> </td>
<td style="border-bottom: black 4px double; text-align: left">$</td>
<td style="border-bottom: black 4px double; text-align: right">215</td>
<td nowrap="nowrap" style="padding-bottom: 4px; text-align: left"> </td>
<td style="padding-bottom: 4px; text-align: left"> </td>
<td style="border-bottom: black 4px double; text-align: left">$</td>
<td style="border-bottom: black 4px double; text-align: right">127</td>
<td nowrap="nowrap" style="padding-bottom: 4px; text-align: left"> </td>
<td style="padding-bottom: 4px; text-align: left"> </td>
<td style="border-bottom: black 4px double; text-align: left">$</td>
<td style="border-bottom: black 4px double; text-align: right">29</td>
<td nowrap="nowrap" style="padding-bottom: 4px; text-align: left"> </td>
<td style="padding-bottom: 4px; text-align: left"> </td>
<td style="border-bottom: black 4px double; text-align: left">$</td>
<td style="border-bottom: black 4px double; text-align: right">1,936</td>
<td nowrap="nowrap" style="padding-bottom: 4px; text-align: left; font-size: 10pt"> </td></tr>
</table>
<p style="text-align: center"> </p>
<table cellspacing="0" cellpadding="0" style="font: 8pt Times New Roman, Times, Serif; width: 100%">
<tr style="vertical-align: bottom">
<td style="padding-bottom: 2px; text-align: center; font-size: 10pt"> </td>
<td style="padding-bottom: 2px; text-align: center; font-size: 10pt"> </td>
<td style="padding-bottom: 2px; text-align: center; font-weight: bold"> </td>
<td colspan="22" style="border-bottom: black 2px solid; text-align: center; font-weight: bold; text-indent: 0pt">At December 31, 2011</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left; font-weight: bold"> </td></tr>
<tr style="vertical-align: bottom">
<td style="padding-bottom: 2px; text-align: left"> </td>
<td style="padding-bottom: 2px; text-align: left"> </td>
<td style="padding-bottom: 2px"> </td>
<td colspan="2" style="border-bottom: black 2px solid">
<p>Residential<br />
Real</p>
<p>Estate</p></td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left"> </td>
<td style="padding-bottom: 2px"> </td>
<td colspan="2" style="border-bottom: black 2px solid">
<p>Multi-Family<br />
Real</p>
<p>Estate</p></td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left"> </td>
<td style="padding-bottom: 2px"> </td>
<td colspan="2" style="border-bottom: black 2px solid">
<p>Commercial<br />
Real</p>
<p>Estate</p></td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left"> </td>
<td style="padding-bottom: 2px"> </td>
<td colspan="2" style="border-bottom: black 2px solid"><font style="font-size: 8pt"> <b>Land</b></font><font style="font-size: x-small"> </font><br /><font style="font-size: 8pt"><b>and</b></font><font style="font-size: x-small"> </font><font style="font-size: 8pt"><b>Construction</b></font></td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left"> </td>
<td style="padding-bottom: 2px"> </td>
<td colspan="2" style="border-bottom: black 2px solid; font-weight: bold; text-align: center; text-indent: 0pt">Consumer</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left"> </td>
<td style="padding-bottom: 2px"> </td>
<td colspan="2" style="border-bottom: black 2px solid; font-weight: bold; text-align: center; text-indent: 0pt">Total</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left"> </td></tr>
<tr style="vertical-align: bottom">
<td style="text-align: left"> </td>
<td style="text-align: left; text-indent: 0pt"> </td>
<td> </td>
<td colspan="2"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td colspan="2"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td colspan="2"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td colspan="2"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td colspan="2"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td colspan="2"> </td>
<td nowrap="nowrap" style="text-align: left"> </td></tr>
<tr style="background-color: white; vertical-align: bottom">
<td style="text-align: left"> </td>
<td style="text-align: left">
<p>Individually evaluated for<br />
impairment:</p></td>
<td> </td>
<td colspan="2"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td colspan="2"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td colspan="2"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td colspan="2"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td colspan="2"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td colspan="2"> </td>
<td nowrap="nowrap" style="text-align: left"> </td></tr>
<tr style="background-color: #cceeff; vertical-align: bottom">
<td style="padding-bottom: 4px; width: 6%; background-color: white; text-align: left"> </td>
<td style="padding-left: 18pt; padding-bottom: 4px; text-align: left; width: 28%; text-indent: 0pt">Recorded investment</td>
<td style="padding-bottom: 4px; text-align: left; width: 1%"> </td>
<td style="border-bottom: black 4px double; text-align: left; width: 1%">$</td>
<td style="border-bottom: black 4px double; text-align: right; width: 8%">7,919</td>
<td nowrap="nowrap" style="padding-bottom: 4px; text-align: left; width: 1%"> </td>
<td style="padding-bottom: 4px; text-align: left; width: 1%"> </td>
<td style="border-bottom: black 4px double; text-align: left; width: 1%">$</td>
<td style="border-bottom: black 4px double; text-align: right; width: 8%">0</td>
<td nowrap="nowrap" style="padding-bottom: 4px; text-align: left; width: 1%"> </td>
<td style="padding-bottom: 4px; text-align: left; width: 1%"> </td>
<td style="border-bottom: black 4px double; text-align: left; width: 1%">$</td>
<td style="border-bottom: black 4px double; text-align: right; width: 8%">16,716</td>
<td nowrap="nowrap" style="padding-bottom: 4px; text-align: left; width: 1%"> </td>
<td style="padding-bottom: 4px; text-align: left; width: 1%"> </td>
<td style="border-bottom: black 4px double; text-align: left; width: 1%">$</td>
<td style="border-bottom: black 4px double; text-align: right; width: 8%">7,241</td>
<td nowrap="nowrap" style="padding-bottom: 4px; text-align: left; width: 1%"> </td>
<td style="padding-bottom: 4px; text-align: left; width: 1%"> </td>
<td style="border-bottom: black 4px double; text-align: left; width: 1%">$</td>
<td style="border-bottom: black 4px double; text-align: right; width: 8%">68</td>
<td nowrap="nowrap" style="padding-bottom: 4px; text-align: left; width: 1%"> </td>
<td style="padding-bottom: 4px; text-align: left; width: 1%"> </td>
<td style="border-bottom: black 4px double; text-align: left; width: 1%">$</td>
<td style="border-bottom: black 4px double; text-align: right; width: 8%">31,944</td>
<td nowrap="nowrap" style="padding-bottom: 4px; text-align: left; width: 1%"> </td></tr>
<tr style="background-color: white; vertical-align: bottom">
<td style="padding-bottom: 4px; text-align: left"> </td>
<td style="padding-bottom: 4px; text-align: left">
<p>Balance in allowance<br />
for loan losses</p></td>
<td style="padding-bottom: 4px; text-align: left"> </td>
<td style="border-bottom: black 4px double; text-align: left">$</td>
<td style="border-bottom: black 4px double; text-align: right">0</td>
<td nowrap="nowrap" style="padding-bottom: 4px; text-align: left"> </td>
<td style="padding-bottom: 4px; text-align: left"> </td>
<td style="border-bottom: black 4px double; text-align: left">$</td>
<td style="border-bottom: black 4px double; text-align: right">0</td>
<td nowrap="nowrap" style="padding-bottom: 4px; text-align: left"> </td>
<td style="padding-bottom: 4px; text-align: left"> </td>
<td style="border-bottom: black 4px double; text-align: left">$</td>
<td style="border-bottom: black 4px double; text-align: right">11</td>
<td nowrap="nowrap" style="padding-bottom: 4px; text-align: left"> </td>
<td style="padding-bottom: 4px; text-align: left"> </td>
<td style="border-bottom: black 4px double; text-align: left">$</td>
<td style="border-bottom: black 4px double; text-align: right">0</td>
<td nowrap="nowrap" style="padding-bottom: 4px; text-align: left"> </td>
<td style="padding-bottom: 4px; text-align: left"> </td>
<td style="border-bottom: black 4px double; text-align: left">$</td>
<td style="border-bottom: black 4px double; text-align: right">0</td>
<td nowrap="nowrap" style="padding-bottom: 4px; text-align: left"> </td>
<td style="padding-bottom: 4px; text-align: left"> </td>
<td style="border-bottom: black 4px double; text-align: left">$</td>
<td style="border-bottom: black 4px double; text-align: right">11</td>
<td nowrap="nowrap" style="padding-bottom: 4px; text-align: left"> </td></tr>
<tr style="background-color: #cceeff; vertical-align: bottom">
<td style="background-color: white"> </td>
<td> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td></tr>
<tr style="background-color: white; vertical-align: bottom">
<td style="text-align: left"> </td>
<td style="text-align: left">
<p>Collectively evaluated for<br />
impairment:</p></td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td></tr>
<tr style="background-color: #cceeff; vertical-align: bottom">
<td style="padding-bottom: 4px; background-color: white; text-align: left"> </td>
<td style="padding-left: 18pt; padding-bottom: 4px; text-align: left; text-indent: 0pt">Recorded investment</td>
<td style="padding-bottom: 4px; text-align: left"> </td>
<td style="border-bottom: black 4px double; text-align: left">$</td>
<td style="border-bottom: black 4px double; text-align: right">23,223</td>
<td nowrap="nowrap" style="padding-bottom: 4px; text-align: left"> </td>
<td style="padding-bottom: 4px; text-align: left"> </td>
<td style="border-bottom: black 4px double; text-align: left">$</td>
<td style="border-bottom: black 4px double; text-align: right">4,109</td>
<td nowrap="nowrap" style="padding-bottom: 4px; text-align: left"> </td>
<td style="padding-bottom: 4px; text-align: left"> </td>
<td style="border-bottom: black 4px double; text-align: left">$</td>
<td style="border-bottom: black 4px double; text-align: right">27,596</td>
<td nowrap="nowrap" style="padding-bottom: 4px; text-align: left"> </td>
<td style="padding-bottom: 4px; text-align: left"> </td>
<td style="border-bottom: black 4px double; text-align: left">$</td>
<td style="border-bottom: black 4px double; text-align: right">4,542</td>
<td nowrap="nowrap" style="padding-bottom: 4px; text-align: left"> </td>
<td style="padding-bottom: 4px; text-align: left"> </td>
<td style="border-bottom: black 4px double; text-align: left">$</td>
<td style="border-bottom: black 4px double; text-align: right">107</td>
<td nowrap="nowrap" style="padding-bottom: 4px; text-align: left"> </td>
<td style="padding-bottom: 4px; text-align: left"> </td>
<td style="border-bottom: black 4px double; text-align: left">$</td>
<td style="border-bottom: black 4px double; text-align: right">59,577</td>
<td nowrap="nowrap" style="padding-bottom: 4px; text-align: left"> </td></tr>
<tr style="background-color: white; vertical-align: bottom">
<td style="padding-bottom: 4px; text-align: left"> </td>
<td style="padding-bottom: 4px; text-align: left">
<p>Balance in allowance<br />
for loan losses</p></td>
<td style="padding-bottom: 4px; text-align: left"> </td>
<td style="border-bottom: black 4px double; text-align: left">$</td>
<td style="border-bottom: black 4px double; text-align: right">566</td>
<td nowrap="nowrap" style="padding-bottom: 4px; text-align: left"> </td>
<td style="padding-bottom: 4px; text-align: left"> </td>
<td style="border-bottom: black 4px double; text-align: left">$</td>
<td style="border-bottom: black 4px double; text-align: right">247</td>
<td nowrap="nowrap" style="padding-bottom: 4px; text-align: left"> </td>
<td style="padding-bottom: 4px; text-align: left"> </td>
<td style="border-bottom: black 4px double; text-align: left">$</td>
<td style="border-bottom: black 4px double; text-align: right">1,323</td>
<td nowrap="nowrap" style="padding-bottom: 4px; text-align: left"> </td>
<td style="padding-bottom: 4px; text-align: left"> </td>
<td style="border-bottom: black 4px double; text-align: left">$</td>
<td style="border-bottom: black 4px double; text-align: right">187</td>
<td nowrap="nowrap" style="padding-bottom: 4px; text-align: left"> </td>
<td style="padding-bottom: 4px; text-align: left"> </td>
<td style="border-bottom: black 4px double; text-align: left">$</td>
<td style="border-bottom: black 4px double; text-align: right">15</td>
<td nowrap="nowrap" style="padding-bottom: 4px; text-align: left"> </td>
<td style="padding-bottom: 4px; text-align: left"> </td>
<td style="border-bottom: black 4px double; text-align: left">$</td>
<td style="border-bottom: black 4px double; text-align: right">2,338</td>
<td nowrap="nowrap" style="padding-bottom: 4px; text-align: left"> </td></tr>
</table>
<p style="text-align: center"> <br /></p>
<p style="text-align: center"> </p>
<table cellspacing="0" cellpadding="0" border="0" style="font: 8pt Times New Roman, Times, Serif; width: 100%">
<tr style="vertical-align: top">
<td style="width: 21%; font-size: 10pt; font-weight: bold; text-indent: 0pt">(3)</td>
<td style="width: 79%">
<p>Loans, Continued.  The Company has divided the loan portfolio into six portfolio segments, each with different risk
characteristics and methodologies for assessing risk. The portfolio segments identified by the Company are as follows:</p>
<p> </p>
<p>        Real Estate Mortgage Loans.<b> </b>Real estate mortgage loans are typically
segmented into four categories: Residential real estate, Multi-family real estate, Commercial real estate, and Land and Construction.
Residential real estate loans are underwritten in accordance with policies set forth and approved by the Board of Directors (the
“Board”), including repayment capacity and source, value of the underlying property, credit history and stability.
Multi-family real estate and commercial real estate loans are secured by the subject property and are underwritten based upon standards
set forth in the policies approved by the Company’s Board. Such standards include, among other factors, loan to value limits,
cash flow coverage and general creditworthiness of the obligors. Land and construction loans to borrowers are to finance the construction
of owner occupied and leased properties. These loans are categorized as construction loans during the construction period, later
converting to commercial or residential real estate loans after the construction is complete and amortization of the loan begins.
Real estate development and construction loans are approved based on an analysis of the borrower and guarantor, the viability of
the project and on an acceptable percentage of the appraised value of the property securing the loan. Real estate development and
construction loan funds are disbursed periodically based on the percentage of construction completed. The Company carefully monitors
these loans with on-site inspections and requires the receipt of lien waivers on funds advanced. Development and construction loans
are typically secured by the properties under development or construction, and personal guarantees are typically obtained. Further,
to assure that reliance is not placed solely on the value of the underlying property, the Company considers the market conditions
and feasibility of proposed projects, the financial condition and reputation of the borrower and guarantors, the amount of the
borrower’s equity in the project, independent appraisals, costs estimates and pre-construction sale information. The Company
also makes loans on occasion for the purchase of land for future development by the borrower. Land loans are extended for the future
development for either commercial or residential use by the borrower. The Company carefully analyzes the intended use of the property
and the viability thereof.</p></td></tr>
</table>
<p style="text-indent: 0pt"> </p>
<p> </p>
<table cellspacing="0" cellpadding="0" border="0" style="font: 8pt Times New Roman, Times, Serif; width: 100%">
<tr style="vertical-align: top">
<td style="width: 21%; font-size: 10pt; font-weight: bold; text-indent: 0pt">(3)</td>
<td style="width: 79%">
<p>Loans, Continued.</p>
<p> </p>
<p>        Commercial Loans. Commercial loans are primarily underwritten on the basis of
the borrowers’ ability to service such debt from income. The cash flows of borrowers, however, may not be as expected and
the collateral securing these loans may fluctuate in value. As a general practice, the Company takes as collateral a security interest
in any available real estate, equipment, or other chattel, although loans may also be made on an unsecured basis. Collateralized
working capital loans typically are secured by short-term assets whereas long-term loans are primarily secured by long-term assets.  These
loans are also affected by adverse economic conditions should they prevail within the Company’s local market.</p>
<p> </p>
<p>       <b><i>Consumer Loans. </i> </b>Consumer loans are extended for various purposes,
including purchases of automobiles, recreational vehicles, and boats. Also offered are home improvement loans, lines of credit,
personal loans, and deposit account collateralized loans. Repayment of these loans is primarily dependent on the personal income
of the borrowers, which can be impacted by economic conditions in their market areas such as unemployment levels. Loans to consumers
are extended after a credit evaluation, including the creditworthiness of the borrower(s), the purpose of the credit, and the secondary
source of repayment. Consumer loans are made at fixed and variable interest rates and may be made on terms of up to ten years.
Risk is mitigated by the fact that the loans are of smaller individual amounts and spread over a large number of borrowers.</p></td></tr>
</table>
<p></p>
<p style="font: 1pt Times New Roman, Times, Serif; margin: 0"> </p>
<p style="text-align: center; text-indent: 0pt; margin-right: 0; margin-left: 0; font: 10pt Times New Roman, Times, Serif"><b> </b></p>
<p style="text-align: center; text-indent: 0pt; margin-right: 0; margin-left: 0; font: 10pt Times New Roman, Times, Serif"></p>
<table cellspacing="0" cellpadding="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%">
<tr style="vertical-align: bottom">
<td> </td>
<td> </td>
<td colspan="2"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td style="font-weight: bold"> </td>
<td colspan="2" style="font-weight: bold; text-align: center; text-indent: 0pt">OLEM</td>
<td nowrap="nowrap" style="text-align: left; font-weight: bold"> </td>
<td> </td>
<td colspan="2"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td colspan="2"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td colspan="2"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td colspan="2"> </td>
<td nowrap="nowrap" style="text-align: left"> </td></tr>
<tr style="vertical-align: bottom">
<td> </td>
<td> </td>
<td colspan="2"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td style="font-weight: bold"> </td>
<td colspan="2" style="font-weight: bold; text-align: center; text-indent: 0pt">(Other Loans</td>
<td nowrap="nowrap" style="text-align: left; font-weight: bold"> </td>
<td> </td>
<td colspan="2"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td colspan="2"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td colspan="2"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td colspan="2"> </td>
<td nowrap="nowrap" style="text-align: left"> </td></tr>
<tr style="vertical-align: bottom">
<td> </td>
<td> </td>
<td colspan="2"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td style="font-weight: bold"> </td>
<td colspan="2" style="font-weight: bold; text-align: center; text-indent: 0pt">Especially</td>
<td nowrap="nowrap" style="text-align: left; font-weight: bold"> </td>
<td> </td>
<td colspan="2"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td colspan="2"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td colspan="2"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td colspan="2"> </td>
<td nowrap="nowrap" style="text-align: left"> </td></tr>
<tr style="vertical-align: bottom">
<td style="padding-bottom: 2px"> </td>
<td style="padding-bottom: 2px; font-weight: bold"> </td>
<td colspan="2" style="border-bottom: black 2px solid; font-weight: bold; text-align: center; text-indent: 0pt">Pass</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left; font-weight: bold"> </td>
<td style="padding-bottom: 2px; font-weight: bold"> </td>
<td colspan="2" style="border-bottom: black 2px solid; font-weight: bold; text-align: center; text-indent: 0pt">Mentioned)</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left; font-weight: bold"> </td>
<td style="padding-bottom: 2px; font-weight: bold"> </td>
<td colspan="2" style="border-bottom: black 2px solid; font-weight: bold; text-align: center; text-indent: 0pt">Substandard</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left; font-weight: bold"> </td>
<td style="padding-bottom: 2px; font-weight: bold"> </td>
<td colspan="2" style="border-bottom: black 2px solid; font-weight: bold; text-align: center; text-indent: 0pt">Doubtful</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left; font-weight: bold"> </td>
<td style="padding-bottom: 2px; font-weight: bold"> </td>
<td colspan="2" style="border-bottom: black 2px solid; font-weight: bold; text-align: center; text-indent: 0pt">Loss</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left; font-weight: bold"> </td>
<td style="padding-bottom: 2px; font-weight: bold"> </td>
<td colspan="2" style="border-bottom: black 2px solid; font-weight: bold; text-align: center; text-indent: 0pt">Total</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left; font-weight: bold"> </td></tr>
<tr style="background-color: white; vertical-align: bottom">
<td nowrap="nowrap" style="text-align: left; font-style: italic; font-weight: bold; text-indent: 0pt">At September 30, 2012:</td>
<td> </td>
<td colspan="2"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td colspan="2"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td colspan="2"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td colspan="2"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td colspan="2"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td colspan="2"> </td>
<td nowrap="nowrap" style="text-align: left"> </td></tr>
<tr style="background-color: white; vertical-align: bottom">
<td style="text-align: left; text-indent: 0pt">Residential real estate:</td>
<td> </td>
<td colspan="2"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td colspan="2"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td colspan="2"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td colspan="2"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td colspan="2"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td colspan="2"> </td>
<td nowrap="nowrap" style="text-align: left"> </td></tr>
<tr style="background-color: #cceeff; vertical-align: bottom">
<td style="text-align: left; width: 28%; padding-left: 18pt; text-indent: -9pt">Closed-end first mortgages</td>
<td style="text-align: left; width: 1%"> </td>
<td style="text-align: left; width: 1%">$</td>
<td style="text-align: right; width: 9%">21,678</td>
<td nowrap="nowrap" style="text-align: left; width: 1%"> </td>
<td style="text-align: left; width: 1%"> </td>
<td style="text-align: left; width: 1%">$</td>
<td style="text-align: right; width: 9%">2,919</td>
<td nowrap="nowrap" style="text-align: left; width: 1%"> </td>
<td style="text-align: left; width: 1%"> </td>
<td style="text-align: left; width: 1%">$</td>
<td style="text-align: right; width: 9%">4,709</td>
<td nowrap="nowrap" style="text-align: left; width: 1%"> </td>
<td style="text-align: left; width: 1%"> </td>
<td style="text-align: left; width: 1%">$</td>
<td style="text-align: right; width: 9%">0</td>
<td nowrap="nowrap" style="text-align: left; width: 1%"> </td>
<td style="text-align: left; width: 1%"> </td>
<td style="text-align: left; width: 1%">$</td>
<td style="text-align: right; width: 9%">0</td>
<td nowrap="nowrap" style="text-align: left; width: 1%"> </td>
<td style="text-align: left; width: 1%"> </td>
<td style="text-align: left; width: 1%">$</td>
<td style="text-align: right; width: 9%">29,306</td>
<td nowrap="nowrap" style="text-align: left; width: 1%"> </td></tr>
<tr style="background-color: white; vertical-align: bottom">
<td style="padding-bottom: 2px; text-align: left; padding-left: 18pt; text-indent: -9pt">Closed-end second mortgages</td>
<td style="padding-bottom: 2px; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: right">3,124</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left"> </td>
<td style="padding-bottom: 2px; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: right">0</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left"> </td>
<td style="padding-bottom: 2px; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: right">0</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left"> </td>
<td style="padding-bottom: 2px; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: right">0</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left"> </td>
<td style="padding-bottom: 2px; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: right">0</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left"> </td>
<td style="padding-bottom: 2px; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: right">3,124</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left"> </td></tr>
<tr style="background-color: #cceeff; vertical-align: bottom">
<td> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td></tr>
<tr style="background-color: white; vertical-align: bottom">
<td style="padding-bottom: 2px; text-align: left; padding-left: 18pt; text-indent: -9pt">Total residential real estate</td>
<td style="padding-bottom: 2px; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: right">24,802</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left"> </td>
<td style="padding-bottom: 2px; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: right">2,919</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left"> </td>
<td style="padding-bottom: 2px; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: right">4,709</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left"> </td>
<td style="padding-bottom: 2px; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: right">0</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left"> </td>
<td style="padding-bottom: 2px; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: right">0</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left"> </td>
<td style="padding-bottom: 2px; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: right">32,430</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left"> </td></tr>
<tr style="background-color: #cceeff; vertical-align: bottom">
<td> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td></tr>
<tr style="background-color: white; vertical-align: bottom">
<td style="padding-bottom: 2px; text-align: left; text-indent: 0pt">Multi-family real estate</td>
<td style="padding-bottom: 2px; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: right">4,182</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left"> </td>
<td style="padding-bottom: 2px; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: right">0</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left"> </td>
<td style="padding-bottom: 2px; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: right">0</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left"> </td>
<td style="padding-bottom: 2px; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: right">0</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left"> </td>
<td style="padding-bottom: 2px; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: right">0</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left"> </td>
<td style="padding-bottom: 2px; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: right">4,182</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left"> </td></tr>
<tr style="background-color: #cceeff; vertical-align: bottom">
<td> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td></tr>
<tr style="background-color: white; vertical-align: bottom">
<td style="text-align: left; text-indent: 0pt">Commercial real estate:</td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td></tr>
<tr style="background-color: #cceeff; vertical-align: bottom">
<td style="text-align: left; padding-left: 18pt; text-indent: -9pt">Owner-occupied</td>
<td style="text-align: left"> </td>
<td style="text-align: left"> </td>
<td style="text-align: right">9,949</td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td style="text-align: left"> </td>
<td style="text-align: left"> </td>
<td style="text-align: right">1,979</td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td style="text-align: left"> </td>
<td style="text-align: left"> </td>
<td style="text-align: right">78</td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td style="text-align: left"> </td>
<td style="text-align: left"> </td>
<td style="text-align: right">0</td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td style="text-align: left"> </td>
<td style="text-align: left"> </td>
<td style="text-align: right">0</td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td style="text-align: left"> </td>
<td style="text-align: left"> </td>
<td style="text-align: right">12,006</td>
<td nowrap="nowrap" style="text-align: left"> </td></tr>
<tr style="background-color: white; vertical-align: bottom">
<td style="padding-bottom: 2px; text-align: left; padding-left: 18pt; text-indent: -9pt">Non-owner-occupied</td>
<td style="padding-bottom: 2px; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: right">12,235</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left"> </td>
<td style="padding-bottom: 2px; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: right">1,125</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left"> </td>
<td style="padding-bottom: 2px; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: right">13,855</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left"> </td>
<td style="padding-bottom: 2px; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: right">0</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left"> </td>
<td style="padding-bottom: 2px; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: right">0</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left"> </td>
<td style="padding-bottom: 2px; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: right">27,215</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left"> </td></tr>
<tr style="background-color: #cceeff; vertical-align: bottom">
<td> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td></tr>
<tr style="background-color: white; vertical-align: bottom">
<td style="padding-left: 9pt; padding-bottom: 2px; text-align: left; text-indent: 0pt">Total commercial real estate</td>
<td style="padding-bottom: 2px; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: right">22,184</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left"> </td>
<td style="padding-bottom: 2px; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: right">3,104</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left"> </td>
<td style="padding-bottom: 2px; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: right">13,933</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left"> </td>
<td style="padding-bottom: 2px; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: right">0</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left"> </td>
<td style="padding-bottom: 2px; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: right">0</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left"> </td>
<td style="padding-bottom: 2px; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: right">39,221</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left"> </td></tr>
<tr style="background-color: #cceeff; vertical-align: bottom">
<td> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td></tr>
<tr style="background-color: white; vertical-align: bottom">
<td style="padding-bottom: 2px; text-align: left; text-indent: 0pt">Land and construction</td>
<td style="padding-bottom: 2px; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: right">6,369</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left"> </td>
<td style="padding-bottom: 2px; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: right">49</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left"> </td>
<td style="padding-bottom: 2px; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: right">905</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left"> </td>
<td style="padding-bottom: 2px; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: right">0</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left"> </td>
<td style="padding-bottom: 2px; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: right">0</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left"> </td>
<td style="padding-bottom: 2px; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: right">7,323</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left"> </td></tr>
<tr style="background-color: #cceeff; vertical-align: bottom">
<td> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td></tr>
<tr style="background-color: white; vertical-align: bottom">
<td style="padding-bottom: 2px; text-align: left; text-indent: 0pt">Commercial</td>
<td style="padding-bottom: 2px; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: right">3,959</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left"> </td>
<td style="padding-bottom: 2px; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: right">0</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left"> </td>
<td style="padding-bottom: 2px; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: right">0</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left"> </td>
<td style="padding-bottom: 2px; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: right">0</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left"> </td>
<td style="padding-bottom: 2px; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: right">0</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left"> </td>
<td style="padding-bottom: 2px; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: right">3,959</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left"> </td></tr>
<tr style="background-color: #cceeff; vertical-align: bottom">
<td> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td></tr>
<tr style="background-color: white; vertical-align: bottom">
<td style="padding-bottom: 2px; text-align: left; text-indent: 0pt">Consumer</td>
<td style="padding-bottom: 2px; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: right">123</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left"> </td>
<td style="padding-bottom: 2px; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: right">0</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left"> </td>
<td style="padding-bottom: 2px; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: right">0</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left"> </td>
<td style="padding-bottom: 2px; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: right">0</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left"> </td>
<td style="padding-bottom: 2px; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: right">0</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left"> </td>
<td style="padding-bottom: 2px; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: right">123</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left"> </td></tr>
<tr style="background-color: #cceeff; vertical-align: bottom">
<td> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td></tr>
<tr style="background-color: white; vertical-align: bottom">
<td style="padding-bottom: 4px; text-align: left; padding-left: 18pt; text-indent: -9pt">Total</td>
<td style="padding-bottom: 4px; text-align: left"> </td>
<td style="border-bottom: black 4px double; text-align: left">$</td>
<td style="border-bottom: black 4px double; text-align: right">61,619</td>
<td nowrap="nowrap" style="padding-bottom: 4px; text-align: left"> </td>
<td style="padding-bottom: 4px; text-align: left"> </td>
<td style="border-bottom: black 4px double; text-align: left">$</td>
<td style="border-bottom: black 4px double; text-align: right">6,072</td>
<td nowrap="nowrap" style="padding-bottom: 4px; text-align: left"> </td>
<td style="padding-bottom: 4px; text-align: left"> </td>
<td style="border-bottom: black 4px double; text-align: left">$</td>
<td style="border-bottom: black 4px double; text-align: right">19,547</td>
<td nowrap="nowrap" style="padding-bottom: 4px; text-align: left"> </td>
<td style="padding-bottom: 4px; text-align: left"> </td>
<td style="border-bottom: black 4px double; text-align: left">$</td>
<td style="border-bottom: black 4px double; text-align: right">0</td>
<td nowrap="nowrap" style="padding-bottom: 4px; text-align: left"> </td>
<td style="padding-bottom: 4px; text-align: left"> </td>
<td style="border-bottom: black 4px double; text-align: left">$</td>
<td style="border-bottom: black 4px double; text-align: right">0</td>
<td nowrap="nowrap" style="padding-bottom: 4px; text-align: left"> </td>
<td style="padding-bottom: 4px; text-align: left"> </td>
<td style="border-bottom: black 4px double; text-align: left">$</td>
<td style="border-bottom: black 4px double; text-align: right">87,238</td>
<td nowrap="nowrap" style="padding-bottom: 4px; text-align: left"> </td></tr>
<tr style="background-color: #cceeff; vertical-align: bottom">
<td> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td></tr>
<tr style="background-color: white; vertical-align: bottom">
<td nowrap="nowrap" style="text-align: left; font-style: italic; font-weight: bold; text-indent: 0pt">At December 31, 2011:</td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td></tr>
<tr style="background-color: #cceeff; vertical-align: bottom">
<td style="text-align: left; text-indent: 0pt">Residential real estate:</td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td></tr>
<tr style="background-color: white; vertical-align: bottom">
<td style="text-align: left; padding-left: 18pt; text-indent: -9pt">Closed-end first mortgages</td>
<td style="text-align: left"> </td>
<td style="text-align: left">$</td>
<td style="text-align: right">18,588</td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td style="text-align: left"> </td>
<td style="text-align: left">$</td>
<td style="text-align: right">3,686</td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td style="text-align: left"> </td>
<td style="text-align: left">$</td>
<td style="text-align: right">5,001</td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td style="text-align: left"> </td>
<td style="text-align: left">$</td>
<td style="text-align: right">0</td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td style="text-align: left"> </td>
<td style="text-align: left">$</td>
<td style="text-align: right">0</td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td style="text-align: left"> </td>
<td style="text-align: left">$</td>
<td style="text-align: right">27,275</td>
<td nowrap="nowrap" style="text-align: left"> </td></tr>
<tr style="background-color: #cceeff; vertical-align: bottom">
<td style="padding-bottom: 2px; text-align: left; padding-left: 18pt; text-indent: -9pt">Closed-end second mortgages</td>
<td style="padding-bottom: 2px; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: right">3,159</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left"> </td>
<td style="padding-bottom: 2px; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: right">0</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left"> </td>
<td style="padding-bottom: 2px; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: right">0</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left"> </td>
<td style="padding-bottom: 2px; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: right">0</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left"> </td>
<td style="padding-bottom: 2px; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: right">0</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left"> </td>
<td style="padding-bottom: 2px; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: right">3,159</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left"> </td></tr>
<tr style="background-color: white; vertical-align: bottom">
<td> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td></tr>
<tr style="background-color: #cceeff; vertical-align: bottom">
<td style="padding-bottom: 2px; text-align: left; padding-left: 18pt; text-indent: -9pt">Total residential real estate</td>
<td style="padding-bottom: 2px; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: right">21,747</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left"> </td>
<td style="padding-bottom: 2px; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: right">3,686</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left"> </td>
<td style="padding-bottom: 2px; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: right">5,001</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left"> </td>
<td style="padding-bottom: 2px; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: right">0</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left"> </td>
<td style="padding-bottom: 2px; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: right">0</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left"> </td>
<td style="padding-bottom: 2px; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: right">30,434</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left"> </td></tr>
<tr style="background-color: white; vertical-align: bottom">
<td> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td></tr>
<tr style="background-color: #cceeff; vertical-align: bottom">
<td style="padding-bottom: 2px; text-align: left; text-indent: 0pt">Multi-family real estate</td>
<td style="padding-bottom: 2px; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: right">4,109</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left"> </td>
<td style="padding-bottom: 2px; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: right">0</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left"> </td>
<td style="padding-bottom: 2px; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: right">0</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left"> </td>
<td style="padding-bottom: 2px; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: right">0</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left"> </td>
<td style="padding-bottom: 2px; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: right">0</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left"> </td>
<td style="padding-bottom: 2px; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: right">4,109</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left"> </td></tr>
<tr style="background-color: white; vertical-align: bottom">
<td> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td></tr>
<tr style="background-color: #cceeff; vertical-align: bottom">
<td style="text-align: left; text-indent: 0pt">Commercial real estate:</td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td></tr>
<tr style="background-color: white; vertical-align: bottom">
<td style="text-align: left; padding-left: 18pt; text-indent: -9pt">Owner-occupied</td>
<td style="text-align: left"> </td>
<td style="text-align: left"> </td>
<td style="text-align: right">10,132</td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td style="text-align: left"> </td>
<td style="text-align: left"> </td>
<td style="text-align: right">2,012</td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td style="text-align: left"> </td>
<td style="text-align: left"> </td>
<td style="text-align: right">369</td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td style="text-align: left"> </td>
<td style="text-align: left"> </td>
<td style="text-align: right">0</td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td style="text-align: left"> </td>
<td style="text-align: left"> </td>
<td style="text-align: right">0</td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td style="text-align: left"> </td>
<td style="text-align: left"> </td>
<td style="text-align: right">12,513</td>
<td nowrap="nowrap" style="text-align: left"> </td></tr>
<tr style="background-color: #cceeff; vertical-align: bottom">
<td style="padding-bottom: 2px; text-align: left; padding-left: 18pt; text-indent: -9pt">Non-owner-occupied</td>
<td style="padding-bottom: 2px; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: right">10,822</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left"> </td>
<td style="padding-bottom: 2px; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: right">2,764</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left"> </td>
<td style="padding-bottom: 2px; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: right">15,208</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left"> </td>
<td style="padding-bottom: 2px; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: right">0</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left"> </td>
<td style="padding-bottom: 2px; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: right">0</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left"> </td>
<td style="padding-bottom: 2px; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: right">28,794</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left"> </td></tr>
<tr style="background-color: white; vertical-align: bottom">
<td> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td></tr>
<tr style="background-color: #cceeff; vertical-align: bottom">
<td style="padding-bottom: 2px; text-align: left; padding-left: 18pt; text-indent: -9pt">Total commercial real estate</td>
<td style="padding-bottom: 2px; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: right">20,954</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left"> </td>
<td style="padding-bottom: 2px; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: right">4,776</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left"> </td>
<td style="padding-bottom: 2px; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: right">15,577</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left"> </td>
<td style="padding-bottom: 2px; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: right">0</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left"> </td>
<td style="padding-bottom: 2px; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: right">0</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left"> </td>
<td style="padding-bottom: 2px; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: right">41,307</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left"> </td></tr>
<tr style="background-color: white; vertical-align: bottom">
<td> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td></tr>
<tr style="background-color: #cceeff; vertical-align: bottom">
<td style="padding-bottom: 2px; text-align: left; text-indent: 0pt">Land and construction</td>
<td style="padding-bottom: 2px; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: right">4,493</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left"> </td>
<td style="padding-bottom: 2px; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: right">49</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left"> </td>
<td style="padding-bottom: 2px; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: right">7,241</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left"> </td>
<td style="padding-bottom: 2px; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: right">0</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left"> </td>
<td style="padding-bottom: 2px; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: right">0</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left"> </td>
<td style="padding-bottom: 2px; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: right">11,783</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left"> </td></tr>
<tr style="background-color: white; vertical-align: bottom">
<td> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td></tr>
<tr style="background-color: #cceeff; vertical-align: bottom">
<td style="padding-bottom: 2px; text-align: left; text-indent: 0pt">Commercial</td>
<td style="padding-bottom: 2px; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: right">3,713</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left"> </td>
<td style="padding-bottom: 2px; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: right">0</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left"> </td>
<td style="padding-bottom: 2px; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: right">0</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left"> </td>
<td style="padding-bottom: 2px; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: right">0</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left"> </td>
<td style="padding-bottom: 2px; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: right">0</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left"> </td>
<td style="padding-bottom: 2px; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: right">3,713</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left"> </td></tr>
<tr style="background-color: white; vertical-align: bottom">
<td> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td></tr>
<tr style="background-color: #cceeff; vertical-align: bottom">
<td style="padding-bottom: 2px; text-align: left; text-indent: 0pt">Consumer</td>
<td style="padding-bottom: 2px; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: right">107</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left"> </td>
<td style="padding-bottom: 2px; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: right">68</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left"> </td>
<td style="padding-bottom: 2px; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: right">0</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left"> </td>
<td style="padding-bottom: 2px; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: right">0</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left"> </td>
<td style="padding-bottom: 2px; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: right">0</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left"> </td>
<td style="padding-bottom: 2px; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: right">175</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left"> </td></tr>
<tr style="background-color: white; vertical-align: bottom">
<td> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td></tr>
<tr style="background-color: #cceeff; vertical-align: bottom">
<td style="padding-bottom: 4px; text-align: left; padding-left: 18pt; text-indent: -9pt">Total</td>
<td style="padding-bottom: 4px; text-align: left"> </td>
<td style="border-bottom: black 4px double; text-align: left">$</td>
<td style="border-bottom: black 4px double; text-align: right">55,123</td>
<td nowrap="nowrap" style="padding-bottom: 4px; text-align: left"> </td>
<td style="padding-bottom: 4px; text-align: left"> </td>
<td style="border-bottom: black 4px double; text-align: left">$</td>
<td style="border-bottom: black 4px double; text-align: right">8,579</td>
<td nowrap="nowrap" style="padding-bottom: 4px; text-align: left"> </td>
<td style="padding-bottom: 4px; text-align: left"> </td>
<td style="border-bottom: black 4px double; text-align: left">$</td>
<td style="border-bottom: black 4px double; text-align: right">27,819</td>
<td nowrap="nowrap" style="padding-bottom: 4px; text-align: left"> </td>
<td style="padding-bottom: 4px; text-align: left"> </td>
<td style="border-bottom: black 4px double; text-align: left">$</td>
<td style="border-bottom: black 4px double; text-align: right">0</td>
<td nowrap="nowrap" style="padding-bottom: 4px; text-align: left"> </td>
<td style="padding-bottom: 4px; text-align: left"> </td>
<td style="border-bottom: black 4px double; text-align: left">$</td>
<td style="border-bottom: black 4px double; text-align: right">0</td>
<td nowrap="nowrap" style="padding-bottom: 4px; text-align: left"> </td>
<td style="padding-bottom: 4px; text-align: left"> </td>
<td style="border-bottom: black 4px double; text-align: left">$</td>
<td style="border-bottom: black 4px double; text-align: right">91,521</td>
<td nowrap="nowrap" style="padding-bottom: 4px; text-align: left"> </td></tr>
</table>
<p style="text-align: right; text-indent: 0pt; margin-right: 0; margin-left: 0; font: 10pt Times New Roman, Times, Serif"></p>
<p style="font: 1pt Times New Roman, Times, Serif; margin: 0"> </p>
<p style="text-align: center; text-indent: 0pt; margin-right: 0; margin-left: 0; font: 10pt Times New Roman, Times, Serif"></p>
<p style="text-align: justify; text-indent: -27pt; margin-left: 72pt; font: 10pt Times New Roman, Times, Serif">Pass – a
Pass loan's primary source of loan repayment is satisfactory, with secondary sources very likely to be realized if necessary.  These
are loans that conform in all aspects to bank policy and regulatory requirements, and no repayment risk has been identified.</p>
<p style="text-align: center"></p>
<table cellspacing="0" cellpadding="0" border="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%">
<tr style="vertical-align: top">
<td> </td></tr>
</table>
<p style="text-indent: 0pt"> OLEM (Other Loans Especially Mentioned) – an Other Loan Especially Mentioned has potential
weaknesses that deserve management's close attention.  If left uncorrected, these potential weaknesses may result in
the deterioration of the repayment prospects for the asset or the Company's credit position at some future date.</p>
<p style="text-align: justify; font: 10pt Times New Roman, Times, Serif">Substandard – a Substandard loan is inadequately
protected by the current sound worth and paying capacity of the obligor or of the collateral pledged, if any.  Loans
so classified must have a well-defined weakness or weaknesses that jeopardize the liquidation of the debt.  They are
characterized by the distinct possibility that the Company will sustain some loss if the deficiencies are not corrected.</p>
<p style="text-align: justify"></p>
<p style="text-align: justify; font: 10pt Times New Roman, Times, Serif">Doubtful – a loan classified Doubtful has all the
weaknesses inherent in one classified Substandard, with the added characteristics that the weaknesses make collection or liquidation
in full, on the basis of currently existing facts, conditions, and values, highly questionable and improbable.  This
classification does not mean that the asset has absolutely no recovery or salvage value, but rather it is not practical or desirable
to defer writing off this basically worthless asset even though partial recovery may be affected in the future.  The
Company fully charges off any loan classified as Doubtful.</p>
<p style="text-align: justify"></p>
<p style="text-align: justify; font: 10pt Times New Roman, Times, Serif">Loss – a loan classified Loss is considered uncollectible
and of such little value that continuance as a bankable asset is not warranted.  This classification does not mean that
the asset has absolutely no recovery or salvage value, but rather it is not practical or desirable to defer writing off this basically
worthless asset even though partial recovery may be affected in the future.  The Company fully charges off any loan
classified as Loss.</p>
<p style="font: 1pt Times New Roman, Times, Serif; margin: 0">\</p>
<table cellspacing="0" cellpadding="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%">
<tr style="vertical-align: bottom">
<td style="padding-bottom: 2px"> </td>
<td style="padding-bottom: 2px; font-weight: bold"> </td>
<td colspan="18" style="border-bottom: black 2px solid; font-weight: bold; text-align: center; text-indent: 0pt">Accruing Loans</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left"> </td>
<td style="padding-bottom: 2px"> </td>
<td colspan="2" style="padding-bottom: 2px"> </td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left"> </td>
<td style="padding-bottom: 2px"> </td>
<td colspan="2" style="padding-bottom: 2px"> </td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left"> </td></tr>
<tr style="vertical-align: bottom">
<td> </td>
<td> </td>
<td colspan="2"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td colspan="2"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td style="font-weight: bold"> </td>
<td colspan="2" style="font-weight: bold; text-align: center; text-indent: 0pt">Greater</td>
<td nowrap="nowrap" style="text-align: left; font-weight: bold"> </td>
<td> </td>
<td colspan="2"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td colspan="2"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td colspan="2"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td colspan="2"> </td>
<td nowrap="nowrap" style="text-align: left"> </td></tr>
<tr style="vertical-align: bottom">
<td> </td>
<td style="font-weight: bold"> </td>
<td colspan="2" style="text-align: center; font-weight: bold">30-59</td>
<td nowrap="nowrap" style="text-align: left; font-weight: bold"> </td>
<td style="font-weight: bold"> </td>
<td colspan="2" style="text-align: center; font-weight: bold">60-89</td>
<td nowrap="nowrap" style="text-align: left; font-weight: bold"> </td>
<td style="font-weight: bold"> </td>
<td colspan="2" style="font-weight: bold; text-align: center; text-indent: 0pt">Than 90</td>
<td nowrap="nowrap" style="text-align: left; font-weight: bold"> </td>
<td style="font-weight: bold"> </td>
<td colspan="2" style="font-weight: bold; text-align: center; text-indent: 0pt">Total</td>
<td nowrap="nowrap" style="text-align: left; font-weight: bold"> </td>
<td> </td>
<td colspan="2"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td colspan="2"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td colspan="2"> </td>
<td nowrap="nowrap" style="text-align: left"> </td></tr>
<tr style="vertical-align: bottom">
<td> </td>
<td style="font-weight: bold"> </td>
<td colspan="2" style="font-weight: bold; text-align: center; text-indent: 0pt">Days</td>
<td nowrap="nowrap" style="text-align: left; font-weight: bold"> </td>
<td style="font-weight: bold"> </td>
<td colspan="2" style="font-weight: bold; text-align: center; text-indent: 0pt">Days</td>
<td nowrap="nowrap" style="text-align: left; font-weight: bold"> </td>
<td style="font-weight: bold"> </td>
<td colspan="2" style="font-weight: bold; text-align: center; text-indent: 0pt">Days</td>
<td nowrap="nowrap" style="text-align: left; font-weight: bold"> </td>
<td style="font-weight: bold"> </td>
<td colspan="2" style="font-weight: bold; text-align: center; text-indent: 0pt">Past</td>
<td nowrap="nowrap" style="text-align: left; font-weight: bold"> </td>
<td> </td>
<td colspan="2"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td style="font-weight: bold"> </td>
<td colspan="2" style="font-weight: bold; text-align: center; text-indent: 0pt">Nonaccrual</td>
<td nowrap="nowrap" style="text-align: left; font-weight: bold"> </td>
<td style="font-weight: bold"> </td>
<td colspan="2" style="font-weight: bold; text-align: center; text-indent: 0pt">Total</td>
<td nowrap="nowrap" style="text-align: left; font-weight: bold"> </td></tr>
<tr style="vertical-align: bottom">
<td style="padding-bottom: 2px"> </td>
<td style="padding-bottom: 2px; font-weight: bold"> </td>
<td colspan="2" style="border-bottom: black 2px solid; font-weight: bold; text-align: center; text-indent: 0pt">Past Due</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left; font-weight: bold"> </td>
<td style="padding-bottom: 2px; font-weight: bold"> </td>
<td colspan="2" style="border-bottom: black 2px solid; font-weight: bold; text-align: center; text-indent: 0pt">Past Due</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left; font-weight: bold"> </td>
<td style="padding-bottom: 2px; font-weight: bold"> </td>
<td colspan="2" style="border-bottom: black 2px solid; font-weight: bold; text-align: center; text-indent: 0pt">Past Due</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left; font-weight: bold"> </td>
<td style="padding-bottom: 2px; font-weight: bold"> </td>
<td colspan="2" style="border-bottom: black 2px solid; font-weight: bold; text-align: center; text-indent: 0pt">Due</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left; font-weight: bold"> </td>
<td style="padding-bottom: 2px; font-weight: bold"> </td>
<td colspan="2" style="border-bottom: black 2px solid; font-weight: bold; text-align: center; text-indent: 0pt">Current</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left; font-weight: bold"> </td>
<td style="padding-bottom: 2px; font-weight: bold"> </td>
<td colspan="2" style="border-bottom: black 2px solid; font-weight: bold; text-align: center; text-indent: 0pt">Loans</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left; font-weight: bold"> </td>
<td style="padding-bottom: 2px; font-weight: bold"> </td>
<td colspan="2" style="border-bottom: black 2px solid; font-weight: bold; text-align: center; text-indent: 0pt">Loans</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left; font-weight: bold"> </td></tr>
<tr style="background-color: white; vertical-align: bottom">
<td style="text-align: left; font-style: italic; font-weight: bold; padding-left: 9pt; text-indent: -9pt">At September 30, 2012:</td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td colspan="2"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td colspan="2"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td colspan="2"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td colspan="2"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td colspan="2"> </td>
<td nowrap="nowrap" style="text-align: left"> </td></tr>
<tr style="background-color: white; vertical-align: bottom">
<td style="text-align: left; text-indent: 0pt">Residential real estate:</td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td colspan="2"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td colspan="2"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td colspan="2"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td colspan="2"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td colspan="2"> </td>
<td nowrap="nowrap" style="text-align: left"> </td></tr>
<tr style="background-color: #cceeff; vertical-align: bottom">
<td style="text-align: left; width: 16%; padding-left: 18pt; text-indent: -9pt">Closed-end first mortgages</td>
<td style="text-align: left; width: 1%"> </td>
<td style="text-align: left; width: 1%">$</td>
<td style="text-align: right; width: 9%">0</td>
<td nowrap="nowrap" style="text-align: left; width: 1%"> </td>
<td style="text-align: left; width: 1%"> </td>
<td style="text-align: left; width: 1%">$</td>
<td style="text-align: right; width: 9%">0</td>
<td nowrap="nowrap" style="text-align: left; width: 1%"> </td>
<td style="text-align: left; width: 1%"> </td>
<td style="text-align: left; width: 1%">$</td>
<td style="text-align: right; width: 9%">0</td>
<td nowrap="nowrap" style="text-align: left; width: 1%"> </td>
<td style="text-align: left; width: 1%"> </td>
<td style="text-align: left; width: 1%">$</td>
<td style="text-align: right; width: 9%">0</td>
<td nowrap="nowrap" style="text-align: left; width: 1%"> </td>
<td style="text-align: left; width: 1%"> </td>
<td style="text-align: left; width: 1%">$</td>
<td style="text-align: right; width: 9%">24,597</td>
<td nowrap="nowrap" style="text-align: left; width: 1%"> </td>
<td style="text-align: left; width: 1%"> </td>
<td style="text-align: left; width: 1%">$</td>
<td style="text-align: right; width: 9%">4,709</td>
<td nowrap="nowrap" style="text-align: left; width: 1%"> </td>
<td style="text-align: left; width: 1%"> </td>
<td style="text-align: left; width: 1%">$</td>
<td style="text-align: right; width: 9%">29,306</td>
<td nowrap="nowrap" style="text-align: left; width: 1%"> </td></tr>
<tr style="background-color: white; vertical-align: bottom">
<td style="padding-bottom: 2px; text-align: left; padding-left: 18pt; text-indent: -9pt">Closed-end second mortgages</td>
<td style="padding-bottom: 2px; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: right">0</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left"> </td>
<td style="padding-bottom: 2px; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: right">0</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left"> </td>
<td style="padding-bottom: 2px; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: right">0</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left"> </td>
<td style="padding-bottom: 2px; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: right">0</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left"> </td>
<td style="padding-bottom: 2px; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: right">3,124</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left"> </td>
<td style="padding-bottom: 2px; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: right">0</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left"> </td>
<td style="padding-bottom: 2px; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: right">3,124</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left"> </td></tr>
<tr style="background-color: #cceeff; vertical-align: bottom">
<td> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td></tr>
<tr style="background-color: white; vertical-align: bottom">
<td style="padding-bottom: 2px; text-align: left; padding-left: 27pt; text-indent: -9pt">Subtotal</td>
<td style="padding-bottom: 2px; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: right">0</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left"> </td>
<td style="padding-bottom: 2px; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: right">0</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left"> </td>
<td style="padding-bottom: 2px; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: right">0</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left"> </td>
<td style="padding-bottom: 2px; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: right">0</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left"> </td>
<td style="padding-bottom: 2px; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: right">27,721</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left"> </td>
<td style="padding-bottom: 2px; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: right">4,709</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left"> </td>
<td style="padding-bottom: 2px; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: right">32,430</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left"> </td></tr>
<tr style="background-color: #cceeff; vertical-align: bottom">
<td> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td></tr>
<tr style="background-color: white; vertical-align: bottom">
<td style="padding-bottom: 2px; text-align: left; padding-left: 9pt; text-indent: -9pt">Multi-family real estate</td>
<td style="padding-bottom: 2px; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: right">0</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left"> </td>
<td style="padding-bottom: 2px; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: right">0</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left"> </td>
<td style="padding-bottom: 2px; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: right">0</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left"> </td>
<td style="padding-bottom: 2px; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: right">0</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left"> </td>
<td style="padding-bottom: 2px; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: right">4,182</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left"> </td>
<td style="padding-bottom: 2px; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: right">0</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left"> </td>
<td style="padding-bottom: 2px; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: right">4,182</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left"> </td></tr>
<tr style="background-color: #cceeff; vertical-align: bottom">
<td> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td></tr>
<tr style="background-color: white; vertical-align: bottom">
<td style="text-align: left; text-indent: 0pt">Commercial real estate:</td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td></tr>
<tr style="background-color: #cceeff; vertical-align: bottom">
<td style="text-align: left; padding-left: 18pt; text-indent: -9pt">Owner-occupied</td>
<td style="text-align: left"> </td>
<td style="text-align: left"> </td>
<td style="text-align: right">0</td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td style="text-align: left"> </td>
<td style="text-align: left"> </td>
<td style="text-align: right">0</td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td style="text-align: left"> </td>
<td style="text-align: left"> </td>
<td style="text-align: right">0</td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td style="text-align: left"> </td>
<td style="text-align: left"> </td>
<td style="text-align: right">0</td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td style="text-align: left"> </td>
<td style="text-align: left"> </td>
<td style="text-align: right">11,928</td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td style="text-align: left"> </td>
<td style="text-align: left"> </td>
<td style="text-align: right">78</td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td style="text-align: left"> </td>
<td style="text-align: left"> </td>
<td style="text-align: right">12,006</td>
<td nowrap="nowrap" style="text-align: left"> </td></tr>
<tr style="background-color: white; vertical-align: bottom">
<td style="padding-bottom: 2px; text-align: left; padding-left: 18pt; text-indent: -9pt">Non-owner-occupied</td>
<td style="padding-bottom: 2px; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: right">0</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left"> </td>
<td style="padding-bottom: 2px; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: right">0</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left"> </td>
<td style="padding-bottom: 2px; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: right">0</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left"> </td>
<td style="padding-bottom: 2px; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: right">0</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left"> </td>
<td style="padding-bottom: 2px; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: right">13,360</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left"> </td>
<td style="padding-bottom: 2px; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: right">13,855</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left"> </td>
<td style="padding-bottom: 2px; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: right">27,215</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left"> </td></tr>
<tr style="background-color: #cceeff; vertical-align: bottom">
<td> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td></tr>
<tr style="background-color: white; vertical-align: bottom">
<td style="padding-left: 27pt; padding-bottom: 2px; text-align: left; text-indent: -9pt">Subtotal</td>
<td style="padding-bottom: 2px; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: right">0</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left"> </td>
<td style="padding-bottom: 2px; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: right">0</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left"> </td>
<td style="padding-bottom: 2px; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: right">0</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left"> </td>
<td style="padding-bottom: 2px; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: right">0</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left"> </td>
<td style="padding-bottom: 2px; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: right">25,288</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left"> </td>
<td style="padding-bottom: 2px; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: right">13,933</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left"> </td>
<td style="padding-bottom: 2px; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: right">39,221</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left"> </td></tr>
<tr style="background-color: #cceeff; vertical-align: bottom">
<td> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td></tr>
<tr style="background-color: white; vertical-align: bottom">
<td style="padding-bottom: 2px; text-align: left; text-indent: 0pt">Land and construction</td>
<td style="padding-bottom: 2px; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: right">0</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left"> </td>
<td style="padding-bottom: 2px; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: right">0</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left"> </td>
<td style="padding-bottom: 2px; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: right">0</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left"> </td>
<td style="padding-bottom: 2px; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: right">0</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left"> </td>
<td style="padding-bottom: 2px; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: right">6,418</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left"> </td>
<td style="padding-bottom: 2px; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: right">905</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left"> </td>
<td style="padding-bottom: 2px; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: right">7,323</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left"> </td></tr>
<tr style="background-color: #cceeff; vertical-align: bottom">
<td style="padding-bottom: 2px; text-align: left; text-indent: 0pt">Commercial</td>
<td style="padding-bottom: 2px; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: right">701</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left"> </td>
<td style="padding-bottom: 2px; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: right">0</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left"> </td>
<td style="padding-bottom: 2px; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: right">0</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left"> </td>
<td style="padding-bottom: 2px; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: right">701</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left"> </td>
<td style="padding-bottom: 2px; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: right">3,258</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left"> </td>
<td style="padding-bottom: 2px; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: right">0</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left"> </td>
<td style="padding-bottom: 2px; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: right">3,959</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left"> </td></tr>
<tr style="background-color: white; vertical-align: bottom">
<td style="padding-bottom: 2px; text-align: left; text-indent: 0pt">Consumer</td>
<td style="padding-bottom: 2px; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: right">0</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left"> </td>
<td style="padding-bottom: 2px; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: right">0</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left"> </td>
<td style="padding-bottom: 2px; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: right">0</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left"> </td>
<td style="padding-bottom: 2px; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: right">0</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left"> </td>
<td style="padding-bottom: 2px; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: right">123</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left"> </td>
<td style="padding-bottom: 2px; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: right">0</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left"> </td>
<td style="padding-bottom: 2px; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: right">123</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left"> </td></tr>
<tr style="background-color: #cceeff; vertical-align: bottom">
<td> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td></tr>
<tr style="background-color: white; vertical-align: bottom">
<td style="padding-bottom: 4px; text-align: left; padding-left: 27pt; text-indent: -9pt">Total</td>
<td style="padding-bottom: 4px; text-align: left"> </td>
<td style="border-bottom: black 4px double; text-align: left">$</td>
<td style="border-bottom: black 4px double; text-align: right">701</td>
<td nowrap="nowrap" style="padding-bottom: 4px; text-align: left"> </td>
<td style="padding-bottom: 4px; text-align: left"> </td>
<td style="border-bottom: black 4px double; text-align: left">$</td>
<td style="border-bottom: black 4px double; text-align: right">0</td>
<td nowrap="nowrap" style="padding-bottom: 4px; text-align: left"> </td>
<td style="padding-bottom: 4px; text-align: left"> </td>
<td style="border-bottom: black 4px double; text-align: left">$</td>
<td style="border-bottom: black 4px double; text-align: right">0</td>
<td nowrap="nowrap" style="padding-bottom: 4px; text-align: left"> </td>
<td style="padding-bottom: 4px; text-align: left"> </td>
<td style="border-bottom: black 4px double; text-align: left">$</td>
<td style="border-bottom: black 4px double; text-align: right">701</td>
<td nowrap="nowrap" style="padding-bottom: 4px; text-align: left"> </td>
<td style="padding-bottom: 4px; text-align: left"> </td>
<td style="border-bottom: black 4px double; text-align: left">$</td>
<td style="border-bottom: black 4px double; text-align: right">66,990</td>
<td nowrap="nowrap" style="padding-bottom: 4px; text-align: left"> </td>
<td style="padding-bottom: 4px; text-align: left"> </td>
<td style="border-bottom: black 4px double; text-align: left">$</td>
<td style="border-bottom: black 4px double; text-align: right">19,547</td>
<td nowrap="nowrap" style="padding-bottom: 4px; text-align: left"> </td>
<td style="padding-bottom: 4px; text-align: left"> </td>
<td style="border-bottom: black 4px double; text-align: left">$</td>
<td style="border-bottom: black 4px double; text-align: right">87,238</td>
<td nowrap="nowrap" style="padding-bottom: 4px; text-align: left"> </td></tr>
<tr style="background-color: #cceeff; vertical-align: bottom">
<td> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td></tr>
<tr style="background-color: white; vertical-align: bottom">
<td style="text-align: left; font-style: italic; font-weight: bold; padding-left: 9pt; text-indent: -9pt">At December 31, 2011:</td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td></tr>
<tr style="background-color: #cceeff; vertical-align: bottom">
<td style="text-align: left; text-indent: 0pt">Residential real estate:</td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td></tr>
<tr style="background-color: white; vertical-align: bottom">
<td style="text-align: left; padding-left: 18pt; text-indent: -9pt">Closed-end first mortgages</td>
<td style="text-align: left"> </td>
<td style="text-align: left">$</td>
<td style="text-align: right">0</td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td style="text-align: left"> </td>
<td style="text-align: left">$</td>
<td style="text-align: right">768</td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td style="text-align: left"> </td>
<td style="text-align: left">$</td>
<td style="text-align: right">0</td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td style="text-align: left"> </td>
<td style="text-align: left">$</td>
<td style="text-align: right">768</td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td style="text-align: left"> </td>
<td style="text-align: left">$</td>
<td style="text-align: right">21,506</td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td style="text-align: left"> </td>
<td style="text-align: left">$</td>
<td style="text-align: right">5,001</td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td style="text-align: left"> </td>
<td style="text-align: left">$</td>
<td style="text-align: right">27,275</td>
<td nowrap="nowrap" style="text-align: left"> </td></tr>
<tr style="background-color: #cceeff; vertical-align: bottom">
<td style="padding-bottom: 2px; text-align: left; padding-left: 18pt; text-indent: -9pt">Closed-end second mortgages</td>
<td style="padding-bottom: 2px; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: right">0</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left"> </td>
<td style="padding-bottom: 2px; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: right">0</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left"> </td>
<td style="padding-bottom: 2px; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: right">0</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left"> </td>
<td style="padding-bottom: 2px; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: right">0</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left"> </td>
<td style="padding-bottom: 2px; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: right">3,159</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left"> </td>
<td style="padding-bottom: 2px; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: right">0</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left"> </td>
<td style="padding-bottom: 2px; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: right">3,159</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left"> </td></tr>
<tr style="background-color: white; vertical-align: bottom">
<td> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td></tr>
<tr style="background-color: #cceeff; vertical-align: bottom">
<td style="padding-bottom: 2px; text-align: left; padding-left: 27pt; text-indent: -9pt">Subtotal</td>
<td style="padding-bottom: 2px; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: right">0</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left"> </td>
<td style="padding-bottom: 2px; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: right">768</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left"> </td>
<td style="padding-bottom: 2px; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: right">0</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left"> </td>
<td style="padding-bottom: 2px; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: right">768</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left"> </td>
<td style="padding-bottom: 2px; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: right">24,665</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left"> </td>
<td style="padding-bottom: 2px; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: right">5,001</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left"> </td>
<td style="padding-bottom: 2px; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: right">30,434</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left"> </td></tr>
<tr style="background-color: white; vertical-align: bottom">
<td> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td></tr>
<tr style="background-color: #cceeff; vertical-align: bottom">
<td style="padding-bottom: 2px; text-align: left; padding-left: 9pt; text-indent: -9pt">Multi-family real estate</td>
<td style="padding-bottom: 2px; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: right">0</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left"> </td>
<td style="padding-bottom: 2px; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: right">0</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left"> </td>
<td style="padding-bottom: 2px; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: right">0</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left"> </td>
<td style="padding-bottom: 2px; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: right">0</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left"> </td>
<td style="padding-bottom: 2px; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: right">4,109</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left"> </td>
<td style="padding-bottom: 2px; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: right">0</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left"> </td>
<td style="padding-bottom: 2px; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: right">4,109</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left"> </td></tr>
<tr style="background-color: white; vertical-align: bottom">
<td> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td></tr>
<tr style="background-color: #cceeff; vertical-align: bottom">
<td nowrap="nowrap" style="text-align: left; text-indent: 0pt">Commercial real estate:</td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td></tr>
<tr style="background-color: white; vertical-align: bottom">
<td style="text-align: left; padding-left: 18pt; text-indent: -9pt">Owner-occupied</td>
<td style="text-align: left"> </td>
<td style="text-align: left"> </td>
<td style="text-align: right">0</td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td style="text-align: left"> </td>
<td style="text-align: left"> </td>
<td style="text-align: right">0</td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td style="text-align: left"> </td>
<td style="text-align: left"> </td>
<td style="text-align: right">0</td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td style="text-align: left"> </td>
<td style="text-align: left"> </td>
<td style="text-align: right">0</td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td style="text-align: left"> </td>
<td style="text-align: left"> </td>
<td style="text-align: right">12,144</td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td style="text-align: left"> </td>
<td style="text-align: left"> </td>
<td style="text-align: right">369</td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td style="text-align: left"> </td>
<td style="text-align: left"> </td>
<td style="text-align: right">12,513</td>
<td nowrap="nowrap" style="text-align: left"> </td></tr>
<tr style="background-color: #cceeff; vertical-align: bottom">
<td style="padding-bottom: 2px; text-align: left; padding-left: 18pt; text-indent: -9pt">Non-owner-occupied</td>
<td style="padding-bottom: 2px; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: right">0</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left"> </td>
<td style="padding-bottom: 2px; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: right">0</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left"> </td>
<td style="padding-bottom: 2px; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: right">0</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left"> </td>
<td style="padding-bottom: 2px; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: right">0</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left"> </td>
<td style="padding-bottom: 2px; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: right">13,586</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left"> </td>
<td style="padding-bottom: 2px; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: right">15,208</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left"> </td>
<td style="padding-bottom: 2px; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: right">28,794</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left"> </td></tr>
<tr style="background-color: white; vertical-align: bottom">
<td> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td></tr>
<tr style="background-color: #cceeff; vertical-align: bottom">
<td style="padding-bottom: 2px; text-align: left; padding-left: 27pt; text-indent: -9pt">Subtotal</td>
<td style="padding-bottom: 2px; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: right">0</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left"> </td>
<td style="padding-bottom: 2px; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: right">0</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left"> </td>
<td style="padding-bottom: 2px; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: right">0</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left"> </td>
<td style="padding-bottom: 2px; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: right">0</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left"> </td>
<td style="padding-bottom: 2px; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: right">25,730</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left"> </td>
<td style="padding-bottom: 2px; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: right">15,577</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left"> </td>
<td style="padding-bottom: 2px; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: right">41,307</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left"> </td></tr>
<tr style="background-color: white; vertical-align: bottom">
<td> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td></tr>
<tr style="background-color: #cceeff; vertical-align: bottom">
<td style="padding-bottom: 2px; text-align: left; text-indent: 0pt">Land and construction</td>
<td style="padding-bottom: 2px; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: right">0</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left"> </td>
<td style="padding-bottom: 2px; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: right">0</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left"> </td>
<td style="padding-bottom: 2px; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: right">0</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left"> </td>
<td style="padding-bottom: 2px; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: right">0</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left"> </td>
<td style="padding-bottom: 2px; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: right">4,542</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left"> </td>
<td style="padding-bottom: 2px; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: right">7,241</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left"> </td>
<td style="padding-bottom: 2px; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: right">11,783</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left"> </td></tr>
<tr style="background-color: white; vertical-align: bottom">
<td style="padding-bottom: 2px; text-align: left; text-indent: 0pt">Commercial</td>
<td style="padding-bottom: 2px; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: right">0</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left"> </td>
<td style="padding-bottom: 2px; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: right">0</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left"> </td>
<td style="padding-bottom: 2px; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: right">0</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left"> </td>
<td style="padding-bottom: 2px; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: right">0</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left"> </td>
<td style="padding-bottom: 2px; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: right">3,713</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left"> </td>
<td style="padding-bottom: 2px; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: right">0</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left"> </td>
<td style="padding-bottom: 2px; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: right">3,713</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left"> </td></tr>
<tr style="background-color: #cceeff; vertical-align: bottom">
<td style="padding-bottom: 2px; text-align: left; text-indent: 0pt">Consumer</td>
<td style="padding-bottom: 2px; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: right">0</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left"> </td>
<td style="padding-bottom: 2px; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: right">0</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left"> </td>
<td style="padding-bottom: 2px; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: right">0</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left"> </td>
<td style="padding-bottom: 2px; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: right">0</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left"> </td>
<td style="padding-bottom: 2px; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: right">175</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left"> </td>
<td style="padding-bottom: 2px; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: right">0</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left"> </td>
<td style="padding-bottom: 2px; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: right">175</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left"> </td></tr>
<tr style="background-color: white; vertical-align: bottom">
<td> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td></tr>
<tr style="background-color: #cceeff; vertical-align: bottom">
<td style="padding-bottom: 4px; text-align: left; padding-left: 27pt; text-indent: -9pt">Total</td>
<td style="padding-bottom: 4px; text-align: left"> </td>
<td style="border-bottom: black 4px double; text-align: left">$</td>
<td style="border-bottom: black 4px double; text-align: right">0</td>
<td nowrap="nowrap" style="padding-bottom: 4px; text-align: left"> </td>
<td style="padding-bottom: 4px; text-align: left"> </td>
<td style="border-bottom: black 4px double; text-align: left">$</td>
<td style="border-bottom: black 4px double; text-align: right">768</td>
<td nowrap="nowrap" style="padding-bottom: 4px; text-align: left"> </td>
<td style="padding-bottom: 4px; text-align: left"> </td>
<td style="border-bottom: black 4px double; text-align: left">$</td>
<td style="border-bottom: black 4px double; text-align: right">0</td>
<td nowrap="nowrap" style="padding-bottom: 4px; text-align: left"> </td>
<td style="padding-bottom: 4px; text-align: left"> </td>
<td style="border-bottom: black 4px double; text-align: left">$</td>
<td style="border-bottom: black 4px double; text-align: right">768</td>
<td nowrap="nowrap" style="padding-bottom: 4px; text-align: left"> </td>
<td style="padding-bottom: 4px; text-align: left"> </td>
<td style="border-bottom: black 4px double; text-align: left">$</td>
<td style="border-bottom: black 4px double; text-align: right">62,934</td>
<td nowrap="nowrap" style="padding-bottom: 4px; text-align: left"> </td>
<td style="padding-bottom: 4px; text-align: left"> </td>
<td style="border-bottom: black 4px double; text-align: left">$</td>
<td style="border-bottom: black 4px double; text-align: right">27,819</td>
<td nowrap="nowrap" style="padding-bottom: 4px; text-align: left"> </td>
<td style="padding-bottom: 4px; text-align: left"> </td>
<td style="border-bottom: black 4px double; text-align: left">$</td>
<td style="border-bottom: black 4px double; text-align: right">91,521</td>
<td nowrap="nowrap" style="padding-bottom: 4px; text-align: left"> </td></tr>
</table>
<p style="text-align: left; font: 10pt Times New Roman, Times, Serif"><b> </b></p>
<p style="text-align: right; text-indent: 0pt; margin-right: 0; margin-left: 0; font: 10pt Times New Roman, Times, Serif"></p>
<p style="font: 1pt Times New Roman, Times, Serif; margin: 0"> </p>
<p style="text-align: center; text-indent: 0pt; margin-right: 0; margin-left: 0; font: 10pt Times New Roman, Times, Serif"></p>
<table cellspacing="0" cellpadding="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%">
<tr style="vertical-align: bottom">
<td style="padding-bottom: 2px"> </td>
<td style="padding-bottom: 2px; font-weight: bold"> </td>
<td colspan="10" style="border-bottom: black 2px solid; font-weight: bold; text-align: center; text-indent: 0pt">At September 30, 2012</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left; font-weight: bold"> </td>
<td style="padding-bottom: 2px; font-weight: bold"> </td>
<td colspan="10" style="border-bottom: black 2px solid; font-weight: bold; text-align: center; text-indent: 0pt">At December 31, 2011</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left; font-weight: bold"> </td></tr>
<tr style="vertical-align: bottom">
<td> </td>
<td> </td>
<td colspan="2"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td style="font-weight: bold"> </td>
<td colspan="2" style="font-weight: bold; text-align: center; text-indent: 0pt">Unpaid</td>
<td nowrap="nowrap" style="text-align: left; font-weight: bold"> </td>
<td> </td>
<td colspan="2"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td colspan="2"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td style="font-weight: bold"> </td>
<td colspan="2" style="font-weight: bold; text-align: center; text-indent: 0pt">Unpaid</td>
<td nowrap="nowrap" style="text-align: left; font-weight: bold"> </td>
<td> </td>
<td colspan="2"> </td>
<td nowrap="nowrap" style="text-align: left"> </td></tr>
<tr style="vertical-align: bottom">
<td> </td>
<td style="font-weight: bold"> </td>
<td colspan="2" style="font-weight: bold; text-align: center; text-indent: 0pt">Recorded</td>
<td nowrap="nowrap" style="text-align: left; font-weight: bold"> </td>
<td style="font-weight: bold"> </td>
<td colspan="2" style="font-weight: bold; text-align: center; text-indent: 0pt">Principal</td>
<td nowrap="nowrap" style="text-align: left; font-weight: bold"> </td>
<td style="font-weight: bold"> </td>
<td colspan="2" style="font-weight: bold; text-align: center; text-indent: 0pt">Related</td>
<td nowrap="nowrap" style="text-align: left; font-weight: bold"> </td>
<td style="font-weight: bold"> </td>
<td colspan="2" style="font-weight: bold; text-align: center; text-indent: 0pt">Recorded</td>
<td nowrap="nowrap" style="text-align: left; font-weight: bold"> </td>
<td style="font-weight: bold"> </td>
<td colspan="2" style="font-weight: bold; text-align: center; text-indent: 0pt">Principal</td>
<td nowrap="nowrap" style="text-align: left; font-weight: bold"> </td>
<td style="font-weight: bold"> </td>
<td colspan="2" style="font-weight: bold; text-align: center; text-indent: 0pt">Related</td>
<td nowrap="nowrap" style="text-align: left; font-weight: bold"> </td></tr>
<tr style="vertical-align: bottom">
<td style="padding-bottom: 2px"> </td>
<td style="padding-bottom: 2px; font-weight: bold"> </td>
<td colspan="2" style="border-bottom: black 2px solid; font-weight: bold; text-align: center; text-indent: 0pt">Investment</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left; font-weight: bold"> </td>
<td style="padding-bottom: 2px; font-weight: bold"> </td>
<td colspan="2" style="border-bottom: black 2px solid; font-weight: bold; text-align: center; text-indent: 0pt">Balance</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left; font-weight: bold"> </td>
<td style="padding-bottom: 2px; font-weight: bold"> </td>
<td colspan="2" style="border-bottom: black 2px solid; font-weight: bold; text-align: center; text-indent: 0pt">Allowance</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left; font-weight: bold"> </td>
<td style="padding-bottom: 2px; font-weight: bold"> </td>
<td colspan="2" style="border-bottom: black 2px solid; font-weight: bold; text-align: center; text-indent: 0pt">Investment</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left; font-weight: bold"> </td>
<td style="padding-bottom: 2px; font-weight: bold"> </td>
<td colspan="2" style="border-bottom: black 2px solid; font-weight: bold; text-align: center; text-indent: 0pt">Balance</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left; font-weight: bold"> </td>
<td style="padding-bottom: 2px; font-weight: bold"> </td>
<td colspan="2" style="border-bottom: black 2px solid; font-weight: bold; text-align: center; text-indent: 0pt">Allowance</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left; font-weight: bold"> </td></tr>
<tr style="background-color: white; vertical-align: bottom">
<td nowrap="nowrap" style="text-align: left; text-indent: 0pt">With no related allowance recorded:</td>
<td> </td>
<td colspan="2"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td colspan="2"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td colspan="2"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td colspan="2"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td colspan="2"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td colspan="2"> </td>
<td nowrap="nowrap" style="text-align: left"> </td></tr>
<tr style="background-color: white; vertical-align: bottom">
<td style="padding-left: 9pt; text-align: left; text-indent: 0pt">Residential real estate-</td>
<td> </td>
<td colspan="2"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td colspan="2"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td colspan="2"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td colspan="2"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td colspan="2"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td colspan="2"> </td>
<td nowrap="nowrap" style="text-align: left"> </td></tr>
<tr style="background-color: #cceeff; vertical-align: bottom">
<td style="padding-left: 18pt; text-align: left; width: 22%; text-indent: 0pt">Closed-end first mortgages</td>
<td style="text-align: left; width: 1%"> </td>
<td style="text-align: left; width: 1%">$</td>
<td style="text-align: right; width: 10%">7,628</td>
<td nowrap="nowrap" style="text-align: left; width: 1%"> </td>
<td style="text-align: left; width: 1%"> </td>
<td style="text-align: left; width: 1%">$</td>
<td style="text-align: right; width: 10%">8,079</td>
<td nowrap="nowrap" style="text-align: left; width: 1%"> </td>
<td style="text-align: left; width: 1%"> </td>
<td style="text-align: left; width: 1%">$</td>
<td style="text-align: right; width: 10%">0</td>
<td nowrap="nowrap" style="text-align: left; width: 1%"> </td>
<td style="text-align: left; width: 1%"> </td>
<td style="text-align: left; width: 1%">$</td>
<td style="text-align: right; width: 10%">7,919</td>
<td nowrap="nowrap" style="text-align: left; width: 1%"> </td>
<td style="text-align: left; width: 1%"> </td>
<td style="text-align: left; width: 1%">$</td>
<td style="text-align: right; width: 10%">8,465</td>
<td nowrap="nowrap" style="text-align: left; width: 1%"> </td>
<td style="text-align: left; width: 1%"> </td>
<td style="text-align: left; width: 1%">$</td>
<td style="text-align: right; width: 10%">0</td>
<td nowrap="nowrap" style="text-align: left; width: 1%"> </td></tr>
<tr style="background-color: white; vertical-align: bottom">
<td style="padding-left: 9pt; text-align: left; text-indent: 0pt">Commercial real estate:</td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td></tr>
<tr style="background-color: #cceeff; vertical-align: bottom">
<td style="padding-left: 18pt; text-align: left; text-indent: 0pt">Owner-occupied</td>
<td style="text-align: left"> </td>
<td style="text-align: left"> </td>
<td style="text-align: right">78</td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td style="text-align: left"> </td>
<td style="text-align: left"> </td>
<td style="text-align: right">78</td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td style="text-align: left"> </td>
<td style="text-align: left"> </td>
<td style="text-align: right">0</td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td style="text-align: left"> </td>
<td style="text-align: left"> </td>
<td style="text-align: right">369</td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td style="text-align: left"> </td>
<td style="text-align: left"> </td>
<td style="text-align: right">376</td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td style="text-align: left"> </td>
<td style="text-align: left"> </td>
<td style="text-align: right">0</td>
<td nowrap="nowrap" style="text-align: left"> </td></tr>
<tr style="background-color: white; vertical-align: bottom">
<td style="padding-left: 18pt; text-align: left; text-indent: 0pt">Non-owner-occupied</td>
<td style="text-align: left"> </td>
<td style="text-align: left"> </td>
<td style="text-align: right">13,855</td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td style="text-align: left"> </td>
<td style="text-align: left"> </td>
<td style="text-align: right">16,730</td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td style="text-align: left"> </td>
<td style="text-align: left"> </td>
<td style="text-align: right">0</td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td style="text-align: left"> </td>
<td style="text-align: left"> </td>
<td style="text-align: right">15,208</td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td style="text-align: left"> </td>
<td style="text-align: left"> </td>
<td style="text-align: right">17,584</td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td style="text-align: left"> </td>
<td style="text-align: left"> </td>
<td style="text-align: right">0</td>
<td nowrap="nowrap" style="text-align: left"> </td></tr>
<tr style="background-color: #cceeff; vertical-align: bottom">
<td style="padding-left: 9pt; text-align: left; text-indent: 0pt">Land and construction</td>
<td style="text-align: left"> </td>
<td style="text-align: left"> </td>
<td style="text-align: right">905</td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td style="text-align: left"> </td>
<td style="text-align: left"> </td>
<td style="text-align: right">2,429</td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td style="text-align: left"> </td>
<td style="text-align: left"> </td>
<td style="text-align: right">0</td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td style="text-align: left"> </td>
<td style="text-align: left"> </td>
<td style="text-align: right">7,241</td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td style="text-align: left"> </td>
<td style="text-align: left"> </td>
<td style="text-align: right">11,652</td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td style="text-align: left"> </td>
<td style="text-align: left"> </td>
<td style="text-align: right">0</td>
<td nowrap="nowrap" style="text-align: left"> </td></tr>
<tr style="background-color: white; vertical-align: bottom">
<td style="padding-left: 9pt; text-align: left; text-indent: 0pt">Consumer</td>
<td style="text-align: left"> </td>
<td style="text-align: left"> </td>
<td style="text-align: right">0</td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td style="text-align: left"> </td>
<td style="text-align: left"> </td>
<td style="text-align: right">0</td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td style="text-align: left"> </td>
<td style="text-align: left"> </td>
<td style="text-align: right">0</td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td style="text-align: left"> </td>
<td style="text-align: left"> </td>
<td style="text-align: right">68</td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td style="text-align: left"> </td>
<td style="text-align: left"> </td>
<td style="text-align: right">68</td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td style="text-align: left"> </td>
<td style="text-align: left"> </td>
<td style="text-align: right">0</td>
<td nowrap="nowrap" style="text-align: left"> </td></tr>
<tr style="background-color: #cceeff; vertical-align: bottom">
<td> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td></tr>
<tr style="background-color: white; vertical-align: bottom">
<td style="text-align: left; text-indent: 0pt">With an allowance recorded:</td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td></tr>
<tr style="background-color: #cceeff; vertical-align: bottom">
<td style="padding-left: 9pt; text-align: left; text-indent: 0pt">Commercial real estate-</td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td></tr>
<tr style="background-color: white; vertical-align: bottom">
<td style="padding-left: 18pt; text-align: left; text-indent: 0pt">Non-owner-occupied</td>
<td style="text-align: left"> </td>
<td style="text-align: left"> </td>
<td style="text-align: right">0</td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td style="text-align: left"> </td>
<td style="text-align: left"> </td>
<td style="text-align: right">0</td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td style="text-align: left"> </td>
<td style="text-align: left"> </td>
<td style="text-align: right">0</td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td style="text-align: left"> </td>
<td style="text-align: left"> </td>
<td style="text-align: right">1,139</td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td style="text-align: left"> </td>
<td style="text-align: left"> </td>
<td style="text-align: right">1,139</td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td style="text-align: left"> </td>
<td style="text-align: left"> </td>
<td style="text-align: right">11</td>
<td nowrap="nowrap" style="text-align: left"> </td></tr>
<tr style="background-color: #cceeff; vertical-align: bottom">
<td> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td></tr>
<tr style="background-color: white; vertical-align: bottom">
<td style="text-align: left; text-indent: 0pt">Total:</td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td></tr>
<tr style="background-color: #cceeff; vertical-align: bottom">
<td style="padding-left: 9pt; text-align: left; text-indent: 0pt">Residential real estate-</td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td></tr>
<tr style="background-color: white; vertical-align: bottom">
<td style="padding-left: 18pt; padding-bottom: 4px; text-align: left; text-indent: 0pt">Closed-end first mortgages</td>
<td style="padding-bottom: 4px; text-align: left"> </td>
<td style="border-bottom: black 4px double; text-align: left">$</td>
<td style="border-bottom: black 4px double; text-align: right">7,628</td>
<td nowrap="nowrap" style="padding-bottom: 4px; text-align: left"> </td>
<td style="padding-bottom: 4px; text-align: left"> </td>
<td style="border-bottom: black 4px double; text-align: left">$</td>
<td style="border-bottom: black 4px double; text-align: right">8,079</td>
<td nowrap="nowrap" style="padding-bottom: 4px; text-align: left"> </td>
<td style="padding-bottom: 4px; text-align: left"> </td>
<td style="border-bottom: black 4px double; text-align: left">$</td>
<td style="border-bottom: black 4px double; text-align: right">0</td>
<td nowrap="nowrap" style="padding-bottom: 4px; text-align: left"> </td>
<td style="padding-bottom: 4px; text-align: left"> </td>
<td style="border-bottom: black 4px double; text-align: left">$</td>
<td style="border-bottom: black 4px double; text-align: right">7,919</td>
<td nowrap="nowrap" style="padding-bottom: 4px; text-align: left"> </td>
<td style="padding-bottom: 4px; text-align: left"> </td>
<td style="border-bottom: black 4px double; text-align: left">$</td>
<td style="border-bottom: black 4px double; text-align: right">8,465</td>
<td nowrap="nowrap" style="padding-bottom: 4px; text-align: left"> </td>
<td style="padding-bottom: 4px; text-align: left"> </td>
<td style="border-bottom: black 4px double; text-align: left">$</td>
<td style="border-bottom: black 4px double; text-align: right">0</td>
<td nowrap="nowrap" style="padding-bottom: 4px; text-align: left"> </td></tr>
<tr style="background-color: #cceeff; vertical-align: bottom">
<td style="padding-left: 9pt; text-align: left; text-indent: 0pt">Commercial real estate:</td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td></tr>
<tr style="background-color: white; vertical-align: bottom">
<td style="padding-left: 18pt; padding-bottom: 4px; text-align: left; text-indent: 0pt">Owner-occupied</td>
<td style="padding-bottom: 4px; text-align: left"> </td>
<td style="border-bottom: black 4px double; text-align: left">$</td>
<td style="border-bottom: black 4px double; text-align: right">78</td>
<td nowrap="nowrap" style="padding-bottom: 4px; text-align: left"> </td>
<td style="padding-bottom: 4px; text-align: left"> </td>
<td style="border-bottom: black 4px double; text-align: left">$</td>
<td style="border-bottom: black 4px double; text-align: right">78</td>
<td nowrap="nowrap" style="padding-bottom: 4px; text-align: left"> </td>
<td style="padding-bottom: 4px; text-align: left"> </td>
<td style="border-bottom: black 4px double; text-align: left">$</td>
<td style="border-bottom: black 4px double; text-align: right">0</td>
<td nowrap="nowrap" style="padding-bottom: 4px; text-align: left"> </td>
<td style="padding-bottom: 4px; text-align: left"> </td>
<td style="border-bottom: black 4px double; text-align: left">$</td>
<td style="border-bottom: black 4px double; text-align: right">369</td>
<td nowrap="nowrap" style="padding-bottom: 4px; text-align: left"> </td>
<td style="padding-bottom: 4px; text-align: left"> </td>
<td style="border-bottom: black 4px double; text-align: left">$</td>
<td style="border-bottom: black 4px double; text-align: right">376</td>
<td nowrap="nowrap" style="padding-bottom: 4px; text-align: left"> </td>
<td style="padding-bottom: 4px; text-align: left"> </td>
<td style="border-bottom: black 4px double; text-align: left">$</td>
<td style="border-bottom: black 4px double; text-align: right">0</td>
<td nowrap="nowrap" style="padding-bottom: 4px; text-align: left"> </td></tr>
<tr style="background-color: #cceeff; vertical-align: bottom">
<td style="padding-left: 18pt; padding-bottom: 4px; text-align: left; text-indent: 0pt">Non-owner-occupied</td>
<td style="padding-bottom: 4px; text-align: left"> </td>
<td style="border-bottom: black 4px double; text-align: left">$</td>
<td style="border-bottom: black 4px double; text-align: right">13,855</td>
<td nowrap="nowrap" style="padding-bottom: 4px; text-align: left"> </td>
<td style="padding-bottom: 4px; text-align: left"> </td>
<td style="border-bottom: black 4px double; text-align: left">$</td>
<td style="border-bottom: black 4px double; text-align: right">16,730</td>
<td nowrap="nowrap" style="padding-bottom: 4px; text-align: left"> </td>
<td style="padding-bottom: 4px; text-align: left"> </td>
<td style="border-bottom: black 4px double; text-align: left">$</td>
<td style="border-bottom: black 4px double; text-align: right">0</td>
<td nowrap="nowrap" style="padding-bottom: 4px; text-align: left"> </td>
<td style="padding-bottom: 4px; text-align: left"> </td>
<td style="border-bottom: black 4px double; text-align: left">$</td>
<td style="border-bottom: black 4px double; text-align: right">16,347</td>
<td nowrap="nowrap" style="padding-bottom: 4px; text-align: left"> </td>
<td style="padding-bottom: 4px; text-align: left"> </td>
<td style="border-bottom: black 4px double; text-align: left">$</td>
<td style="border-bottom: black 4px double; text-align: right">18,723</td>
<td nowrap="nowrap" style="padding-bottom: 4px; text-align: left"> </td>
<td style="padding-bottom: 4px; text-align: left"> </td>
<td style="border-bottom: black 4px double; text-align: left">$</td>
<td style="border-bottom: black 4px double; text-align: right">11</td>
<td nowrap="nowrap" style="padding-bottom: 4px; text-align: left"> </td></tr>
<tr style="background-color: white; vertical-align: bottom">
<td style="padding-left: 9pt; padding-bottom: 4px; text-align: left; text-indent: 0pt">Land and construction</td>
<td style="padding-bottom: 4px; text-align: left"> </td>
<td style="border-bottom: black 4px double; text-align: left">$</td>
<td style="border-bottom: black 4px double; text-align: right">905</td>
<td nowrap="nowrap" style="padding-bottom: 4px; text-align: left"> </td>
<td style="padding-bottom: 4px; text-align: left"> </td>
<td style="border-bottom: black 4px double; text-align: left">$</td>
<td style="border-bottom: black 4px double; text-align: right">2,429</td>
<td nowrap="nowrap" style="padding-bottom: 4px; text-align: left"> </td>
<td style="padding-bottom: 4px; text-align: left"> </td>
<td style="border-bottom: black 4px double; text-align: left">$</td>
<td style="border-bottom: black 4px double; text-align: right">0</td>
<td nowrap="nowrap" style="padding-bottom: 4px; text-align: left"> </td>
<td style="padding-bottom: 4px; text-align: left"> </td>
<td style="border-bottom: black 4px double; text-align: left">$</td>
<td style="border-bottom: black 4px double; text-align: right">7,241</td>
<td nowrap="nowrap" style="padding-bottom: 4px; text-align: left"> </td>
<td style="padding-bottom: 4px; text-align: left"> </td>
<td style="border-bottom: black 4px double; text-align: left">$</td>
<td style="border-bottom: black 4px double; text-align: right">11,652</td>
<td nowrap="nowrap" style="padding-bottom: 4px; text-align: left"> </td>
<td style="padding-bottom: 4px; text-align: left"> </td>
<td style="border-bottom: black 4px double; text-align: left">$</td>
<td style="border-bottom: black 4px double; text-align: right">0</td>
<td nowrap="nowrap" style="padding-bottom: 4px; text-align: left"> </td></tr>
<tr style="background-color: #cceeff; vertical-align: bottom">
<td style="padding-left: 9pt; padding-bottom: 4px; text-align: left; text-indent: 0pt">Consumer</td>
<td style="padding-bottom: 4px; text-align: left"> </td>
<td style="border-bottom: black 4px double; text-align: left">$</td>
<td style="border-bottom: black 4px double; text-align: right">0</td>
<td nowrap="nowrap" style="padding-bottom: 4px; text-align: left"> </td>
<td style="padding-bottom: 4px; text-align: left"> </td>
<td style="border-bottom: black 4px double; text-align: left">$</td>
<td style="border-bottom: black 4px double; text-align: right">0</td>
<td nowrap="nowrap" style="padding-bottom: 4px; text-align: left"> </td>
<td style="padding-bottom: 4px; text-align: left"> </td>
<td style="border-bottom: black 4px double; text-align: left">$</td>
<td style="border-bottom: black 4px double; text-align: right">0</td>
<td nowrap="nowrap" style="padding-bottom: 4px; text-align: left"> </td>
<td style="padding-bottom: 4px; text-align: left"> </td>
<td style="border-bottom: black 4px double; text-align: left">$</td>
<td style="border-bottom: black 4px double; text-align: right">68</td>
<td nowrap="nowrap" style="padding-bottom: 4px; text-align: left"> </td>
<td style="padding-bottom: 4px; text-align: left"> </td>
<td style="border-bottom: black 4px double; text-align: left">$</td>
<td style="border-bottom: black 4px double; text-align: right">68</td>
<td nowrap="nowrap" style="padding-bottom: 4px; text-align: left"> </td>
<td style="padding-bottom: 4px; text-align: left"> </td>
<td style="border-bottom: black 4px double; text-align: left">$</td>
<td style="border-bottom: black 4px double; text-align: right">0</td>
<td nowrap="nowrap" style="padding-bottom: 4px; text-align: left"> </td></tr>
<tr style="background-color: white; vertical-align: bottom">
<td> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td></tr>
<tr style="background-color: #cceeff; vertical-align: bottom">
<td style="padding-left: 18pt; padding-bottom: 4px; text-align: left; text-indent: 0pt">Total</td>
<td style="padding-bottom: 4px; text-align: left"> </td>
<td style="border-bottom: black 4px double; text-align: left">$</td>
<td style="border-bottom: black 4px double; text-align: right">22,466</td>
<td nowrap="nowrap" style="padding-bottom: 4px; text-align: left"> </td>
<td style="padding-bottom: 4px; text-align: left"> </td>
<td style="border-bottom: black 4px double; text-align: left">$</td>
<td style="border-bottom: black 4px double; text-align: right">27,316</td>
<td nowrap="nowrap" style="padding-bottom: 4px; text-align: left"> </td>
<td style="padding-bottom: 4px; text-align: left"> </td>
<td style="border-bottom: black 4px double; text-align: left">$</td>
<td style="border-bottom: black 4px double; text-align: right">0</td>
<td nowrap="nowrap" style="padding-bottom: 4px; text-align: left"> </td>
<td style="padding-bottom: 4px; text-align: left"> </td>
<td style="border-bottom: black 4px double; text-align: left">$</td>
<td style="border-bottom: black 4px double; text-align: right">31,944</td>
<td nowrap="nowrap" style="padding-bottom: 4px; text-align: left"> </td>
<td style="padding-bottom: 4px; text-align: left"> </td>
<td style="border-bottom: black 4px double; text-align: left">$</td>
<td style="border-bottom: black 4px double; text-align: right">39,284</td>
<td nowrap="nowrap" style="padding-bottom: 4px; text-align: left"> </td>
<td style="padding-bottom: 4px; text-align: left"> </td>
<td style="border-bottom: black 4px double; text-align: left">$</td>
<td style="border-bottom: black 4px double; text-align: right">11</td>
<td nowrap="nowrap" style="padding-bottom: 4px; text-align: left"> </td></tr>
</table>
<p style="text-indent: 0pt"></p>
<table cellspacing="0" cellpadding="0" border="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%">
<tr style="vertical-align: top">
<td style="width: 2%; font-family: Times New Roman, Times, Serif"> </td>
<td style="width: 98%; font-family: Times New Roman, Times, Serif; text-align: justify; padding-left: 18pt; text-indent: -18pt">The average net investment in impaired loans and interest income recognized and received on impaired loans are as follows (in thousands):</td></tr>
</table>
<p style="text-indent: 0pt"></p>
<table cellspacing="0" cellpadding="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%">
<tr style="vertical-align: bottom">
<td style="padding-bottom: 2px"> </td>
<td style="padding-bottom: 2px; font-weight: bold"> </td>
<td colspan="22" style="border-bottom: black 2px solid; font-weight: bold; text-align: center; text-indent: 0pt">Three Months Ended September 30,</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left; font-weight: bold"> </td></tr>
<tr style="vertical-align: bottom">
<td style="padding-bottom: 2px"> </td>
<td style="padding-bottom: 2px; font-weight: bold"> </td>
<td colspan="10" style="border-bottom: black 2px solid; font-weight: bold; text-align: center; text-indent: 0pt">2012</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left; font-weight: bold"> </td>
<td style="padding-bottom: 2px; font-weight: bold"> </td>
<td colspan="10" style="border-bottom: black 2px solid; font-weight: bold; text-align: center; text-indent: 0pt">2011</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left; font-weight: bold"> </td></tr>
<tr style="vertical-align: bottom">
<td> </td>
<td style="font-weight: bold"> </td>
<td colspan="2" style="font-weight: bold; text-align: center; text-indent: 0pt">Average</td>
<td nowrap="nowrap" style="text-align: left; font-weight: bold"> </td>
<td style="font-weight: bold"> </td>
<td colspan="2" style="font-weight: bold; text-align: center; text-indent: 0pt">Interest</td>
<td nowrap="nowrap" style="text-align: left; font-weight: bold"> </td>
<td style="font-weight: bold"> </td>
<td colspan="2" style="font-weight: bold; text-align: center; text-indent: 0pt">Interest</td>
<td nowrap="nowrap" style="text-align: left; font-weight: bold"> </td>
<td style="font-weight: bold"> </td>
<td colspan="2" style="font-weight: bold; text-align: center; text-indent: 0pt">Average</td>
<td nowrap="nowrap" style="text-align: left; font-weight: bold"> </td>
<td style="font-weight: bold"> </td>
<td colspan="2" style="font-weight: bold; text-align: center; text-indent: 0pt">Interest</td>
<td nowrap="nowrap" style="text-align: left; font-weight: bold"> </td>
<td style="font-weight: bold"> </td>
<td colspan="2" style="font-weight: bold; text-align: center; text-indent: 0pt">Interest</td>
<td nowrap="nowrap" style="text-align: left; font-weight: bold"> </td></tr>
<tr style="vertical-align: bottom">
<td> </td>
<td style="font-weight: bold"> </td>
<td colspan="2" style="font-weight: bold; text-align: center; text-indent: 0pt">Recorded</td>
<td nowrap="nowrap" style="text-align: left; font-weight: bold"> </td>
<td style="font-weight: bold"> </td>
<td colspan="2" style="font-weight: bold; text-align: center; text-indent: 0pt">Income</td>
<td nowrap="nowrap" style="text-align: left; font-weight: bold"> </td>
<td style="font-weight: bold"> </td>
<td colspan="2" style="font-weight: bold; text-align: center; text-indent: 0pt">Income</td>
<td nowrap="nowrap" style="text-align: left; font-weight: bold"> </td>
<td style="font-weight: bold"> </td>
<td colspan="2" style="font-weight: bold; text-align: center; text-indent: 0pt">Recorded</td>
<td nowrap="nowrap" style="text-align: left; font-weight: bold"> </td>
<td style="font-weight: bold"> </td>
<td colspan="2" style="font-weight: bold; text-align: center; text-indent: 0pt">Income</td>
<td nowrap="nowrap" style="text-align: left; font-weight: bold"> </td>
<td style="font-weight: bold"> </td>
<td colspan="2" style="font-weight: bold; text-align: center; text-indent: 0pt">Income</td>
<td nowrap="nowrap" style="text-align: left; font-weight: bold"> </td></tr>
<tr style="vertical-align: bottom">
<td style="padding-bottom: 2px"> </td>
<td style="padding-bottom: 2px; font-weight: bold"> </td>
<td colspan="2" style="border-bottom: black 2px solid; font-weight: bold; text-align: center; text-indent: 0pt">Investment</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left; font-weight: bold"> </td>
<td style="padding-bottom: 2px; font-weight: bold"> </td>
<td colspan="2" style="border-bottom: black 2px solid; font-weight: bold; text-align: center; text-indent: 0pt">Recognized</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left; font-weight: bold"> </td>
<td style="padding-bottom: 2px; font-weight: bold"> </td>
<td colspan="2" style="border-bottom: black 2px solid; font-weight: bold; text-align: center; text-indent: 0pt">Received</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left; font-weight: bold"> </td>
<td style="padding-bottom: 2px; font-weight: bold"> </td>
<td colspan="2" style="border-bottom: black 2px solid; font-weight: bold; text-align: center; text-indent: 0pt">Investment</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left; font-weight: bold"> </td>
<td style="padding-bottom: 2px; font-weight: bold"> </td>
<td colspan="2" style="border-bottom: black 2px solid; font-weight: bold; text-align: center; text-indent: 0pt">Recognized</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left; font-weight: bold"> </td>
<td style="padding-bottom: 2px; font-weight: bold"> </td>
<td colspan="2" style="border-bottom: black 2px solid; font-weight: bold; text-align: center; text-indent: 0pt">Received</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left; font-weight: bold"> </td></tr>
<tr style="background-color: white; vertical-align: bottom">
<td style="padding-left: 9pt; text-align: left; text-indent: 0pt">Residential real estate-</td>
<td> </td>
<td colspan="2"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td colspan="2"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td colspan="2"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td colspan="2"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td colspan="2"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td colspan="2"> </td>
<td nowrap="nowrap" style="text-align: left"> </td></tr>
<tr style="background-color: #cceeff; vertical-align: bottom">
<td nowrap="nowrap" style="padding-left: 18pt; padding-bottom: 4px; text-align: left; width: 22%; text-indent: 0pt">Closed-end first mortgages</td>
<td style="padding-bottom: 4px; text-align: left; width: 1%"> </td>
<td style="border-bottom: black 4px double; text-align: left; width: 1%">$</td>
<td style="border-bottom: black 4px double; text-align: right; width: 10%">7,688</td>
<td nowrap="nowrap" style="padding-bottom: 4px; text-align: left; width: 1%"> </td>
<td style="padding-bottom: 4px; text-align: left; width: 1%"> </td>
<td style="border-bottom: black 4px double; text-align: left; width: 1%">$</td>
<td style="border-bottom: black 4px double; text-align: right; width: 10%">52</td>
<td nowrap="nowrap" style="padding-bottom: 4px; text-align: left; width: 1%"> </td>
<td style="padding-bottom: 4px; text-align: left; width: 1%"> </td>
<td style="border-bottom: black 4px double; text-align: left; width: 1%">$</td>
<td style="border-bottom: black 4px double; text-align: right; width: 10%">102</td>
<td nowrap="nowrap" style="padding-bottom: 4px; text-align: left; width: 1%"> </td>
<td style="padding-bottom: 4px; text-align: left; width: 1%"> </td>
<td style="border-bottom: black 4px double; text-align: left; width: 1%">$</td>
<td style="border-bottom: black 4px double; text-align: right; width: 10%">11,080</td>
<td nowrap="nowrap" style="padding-bottom: 4px; text-align: left; width: 1%"> </td>
<td style="padding-bottom: 4px; text-align: left; width: 1%"> </td>
<td style="border-bottom: black 4px double; text-align: left; width: 1%">$</td>
<td style="border-bottom: black 4px double; text-align: right; width: 10%">66</td>
<td nowrap="nowrap" style="padding-bottom: 4px; text-align: left; width: 1%"> </td>
<td style="padding-bottom: 4px; text-align: left; width: 1%"> </td>
<td style="border-bottom: black 4px double; text-align: left; width: 1%">$</td>
<td style="border-bottom: black 4px double; text-align: right; width: 10%">71</td>
<td nowrap="nowrap" style="padding-bottom: 4px; text-align: left; width: 1%"> </td></tr>
<tr style="background-color: white; vertical-align: bottom">
<td style="padding-left: 9pt; padding-bottom: 4px; text-align: left; text-indent: 0pt">Multi-family real estate</td>
<td style="padding-bottom: 4px; text-align: left"> </td>
<td style="border-bottom: black 4px double; text-align: left">$</td>
<td style="border-bottom: black 4px double; text-align: right">0</td>
<td nowrap="nowrap" style="padding-bottom: 4px; text-align: left"> </td>
<td style="padding-bottom: 4px; text-align: left"> </td>
<td style="border-bottom: black 4px double; text-align: left">$</td>
<td style="border-bottom: black 4px double; text-align: right">0</td>
<td nowrap="nowrap" style="padding-bottom: 4px; text-align: left"> </td>
<td style="padding-bottom: 4px; text-align: left"> </td>
<td style="border-bottom: black 4px double; text-align: left">$</td>
<td style="border-bottom: black 4px double; text-align: right">0</td>
<td nowrap="nowrap" style="padding-bottom: 4px; text-align: left"> </td>
<td style="padding-bottom: 4px; text-align: left"> </td>
<td style="border-bottom: black 4px double; text-align: left">$</td>
<td style="border-bottom: black 4px double; text-align: right">0</td>
<td nowrap="nowrap" style="padding-bottom: 4px; text-align: left"> </td>
<td style="padding-bottom: 4px; text-align: left"> </td>
<td style="border-bottom: black 4px double; text-align: left">$</td>
<td style="border-bottom: black 4px double; text-align: right">0</td>
<td nowrap="nowrap" style="padding-bottom: 4px; text-align: left"> </td>
<td style="padding-bottom: 4px; text-align: left"> </td>
<td style="border-bottom: black 4px double; text-align: left">$</td>
<td style="border-bottom: black 4px double; text-align: right">0</td>
<td nowrap="nowrap" style="padding-bottom: 4px; text-align: left"> </td></tr>
<tr style="background-color: #cceeff; vertical-align: bottom">
<td style="padding-left: 9pt; text-align: left; text-indent: 0pt">Commercial real estate:</td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td></tr>
<tr style="background-color: white; vertical-align: bottom">
<td style="padding-left: 18pt; padding-bottom: 4px; text-align: left; text-indent: 0pt">Owner-occupied</td>
<td style="padding-bottom: 4px; text-align: left"> </td>
<td style="border-bottom: black 4px double; text-align: left">$</td>
<td style="border-bottom: black 4px double; text-align: right">78</td>
<td nowrap="nowrap" style="padding-bottom: 4px; text-align: left"> </td>
<td style="padding-bottom: 4px; text-align: left"> </td>
<td style="border-bottom: black 4px double; text-align: left">$</td>
<td style="border-bottom: black 4px double; text-align: right">0</td>
<td nowrap="nowrap" style="padding-bottom: 4px; text-align: left"> </td>
<td style="padding-bottom: 4px; text-align: left"> </td>
<td style="border-bottom: black 4px double; text-align: left">$</td>
<td style="border-bottom: black 4px double; text-align: right">0</td>
<td nowrap="nowrap" style="padding-bottom: 4px; text-align: left"> </td>
<td style="padding-bottom: 4px; text-align: left"> </td>
<td style="border-bottom: black 4px double; text-align: left">$</td>
<td style="border-bottom: black 4px double; text-align: right">296</td>
<td nowrap="nowrap" style="padding-bottom: 4px; text-align: left"> </td>
<td style="padding-bottom: 4px; text-align: left"> </td>
<td style="border-bottom: black 4px double; text-align: left">$</td>
<td style="border-bottom: black 4px double; text-align: right">0</td>
<td nowrap="nowrap" style="padding-bottom: 4px; text-align: left"> </td>
<td style="padding-bottom: 4px; text-align: left"> </td>
<td style="border-bottom: black 4px double; text-align: left">$</td>
<td style="border-bottom: black 4px double; text-align: right">0</td>
<td nowrap="nowrap" style="padding-bottom: 4px; text-align: left"> </td></tr>
<tr style="background-color: #cceeff; vertical-align: bottom">
<td style="padding-left: 18pt; padding-bottom: 4px; text-align: left; text-indent: 0pt">Non-owner-occupied</td>
<td style="padding-bottom: 4px; text-align: left"> </td>
<td style="border-bottom: black 4px double; text-align: left">$</td>
<td style="border-bottom: black 4px double; text-align: right">14,199</td>
<td nowrap="nowrap" style="padding-bottom: 4px; text-align: left"> </td>
<td style="padding-bottom: 4px; text-align: left"> </td>
<td style="border-bottom: black 4px double; text-align: left">$</td>
<td style="border-bottom: black 4px double; text-align: right">0</td>
<td nowrap="nowrap" style="padding-bottom: 4px; text-align: left"> </td>
<td style="padding-bottom: 4px; text-align: left"> </td>
<td style="border-bottom: black 4px double; text-align: left">$</td>
<td style="border-bottom: black 4px double; text-align: right">63</td>
<td nowrap="nowrap" style="padding-bottom: 4px; text-align: left"> </td>
<td style="padding-bottom: 4px; text-align: left"> </td>
<td style="border-bottom: black 4px double; text-align: left">$</td>
<td style="border-bottom: black 4px double; text-align: right">18,404</td>
<td nowrap="nowrap" style="padding-bottom: 4px; text-align: left"> </td>
<td style="padding-bottom: 4px; text-align: left"> </td>
<td style="border-bottom: black 4px double; text-align: left">$</td>
<td style="border-bottom: black 4px double; text-align: right">10</td>
<td nowrap="nowrap" style="padding-bottom: 4px; text-align: left"> </td>
<td style="padding-bottom: 4px; text-align: left"> </td>
<td style="border-bottom: black 4px double; text-align: left">$</td>
<td style="border-bottom: black 4px double; text-align: right">92</td>
<td nowrap="nowrap" style="padding-bottom: 4px; text-align: left"> </td></tr>
<tr style="background-color: white; vertical-align: bottom">
<td style="padding-left: 9pt; padding-bottom: 4px; text-align: left; text-indent: 0pt">Land and construction</td>
<td style="padding-bottom: 4px; text-align: left"> </td>
<td style="border-bottom: black 4px double; text-align: left">$</td>
<td style="border-bottom: black 4px double; text-align: right">2,372</td>
<td nowrap="nowrap" style="padding-bottom: 4px; text-align: left"> </td>
<td style="padding-bottom: 4px; text-align: left"> </td>
<td style="border-bottom: black 4px double; text-align: left">$</td>
<td style="border-bottom: black 4px double; text-align: right">0</td>
<td nowrap="nowrap" style="padding-bottom: 4px; text-align: left"> </td>
<td style="padding-bottom: 4px; text-align: left"> </td>
<td style="border-bottom: black 4px double; text-align: left">$</td>
<td style="border-bottom: black 4px double; text-align: right">25</td>
<td nowrap="nowrap" style="padding-bottom: 4px; text-align: left"> </td>
<td style="padding-bottom: 4px; text-align: left"> </td>
<td style="border-bottom: black 4px double; text-align: left">$</td>
<td style="border-bottom: black 4px double; text-align: right">6,746</td>
<td nowrap="nowrap" style="padding-bottom: 4px; text-align: left"> </td>
<td style="padding-bottom: 4px; text-align: left"> </td>
<td style="border-bottom: black 4px double; text-align: left">$</td>
<td style="border-bottom: black 4px double; text-align: right">0</td>
<td nowrap="nowrap" style="padding-bottom: 4px; text-align: left"> </td>
<td style="padding-bottom: 4px; text-align: left"> </td>
<td style="border-bottom: black 4px double; text-align: left">$</td>
<td style="border-bottom: black 4px double; text-align: right">28</td>
<td nowrap="nowrap" style="padding-bottom: 4px; text-align: left"> </td></tr>
<tr style="background-color: #cceeff; vertical-align: bottom">
<td style="padding-left: 9pt; text-align: left; text-indent: 0pt">Consumer-</td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td></tr>
<tr style="background-color: white; vertical-align: bottom">
<td style="padding-left: 18pt; padding-bottom: 4px; text-align: left; text-indent: 0pt">Non-real estate secured</td>
<td style="padding-bottom: 4px; text-align: left"> </td>
<td style="border-bottom: black 4px double; text-align: left">$</td>
<td style="border-bottom: black 4px double; text-align: right">0</td>
<td nowrap="nowrap" style="padding-bottom: 4px; text-align: left"> </td>
<td style="padding-bottom: 4px; text-align: left"> </td>
<td style="border-bottom: black 4px double; text-align: left">$</td>
<td style="border-bottom: black 4px double; text-align: right">0</td>
<td nowrap="nowrap" style="padding-bottom: 4px; text-align: left"> </td>
<td style="padding-bottom: 4px; text-align: left"> </td>
<td style="border-bottom: black 4px double; text-align: left">$</td>
<td style="border-bottom: black 4px double; text-align: right">0</td>
<td nowrap="nowrap" style="padding-bottom: 4px; text-align: left"> </td>
<td style="padding-bottom: 4px; text-align: left"> </td>
<td style="border-bottom: black 4px double; text-align: left">$</td>
<td style="border-bottom: black 4px double; text-align: right">216</td>
<td nowrap="nowrap" style="padding-bottom: 4px; text-align: left"> </td>
<td style="padding-bottom: 4px; text-align: left"> </td>
<td style="border-bottom: black 4px double; text-align: left">$</td>
<td style="border-bottom: black 4px double; text-align: right">1</td>
<td nowrap="nowrap" style="padding-bottom: 4px; text-align: left"> </td>
<td style="padding-bottom: 4px; text-align: left"> </td>
<td style="border-bottom: black 4px double; text-align: left">$</td>
<td style="border-bottom: black 4px double; text-align: right">1</td>
<td nowrap="nowrap" style="padding-bottom: 4px; text-align: left"> </td></tr>
<tr style="background-color: #cceeff; vertical-align: bottom">
<td> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td></tr>
<tr style="background-color: white; vertical-align: bottom">
<td style="padding-left: 27pt; padding-bottom: 4px; text-align: left; text-indent: 0pt">Total</td>
<td style="padding-bottom: 4px; text-align: left"> </td>
<td style="border-bottom: black 4px double; text-align: left">$</td>
<td style="border-bottom: black 4px double; text-align: right">24,337</td>
<td nowrap="nowrap" style="padding-bottom: 4px; text-align: left"> </td>
<td style="padding-bottom: 4px; text-align: left"> </td>
<td style="border-bottom: black 4px double; text-align: left">$</td>
<td style="border-bottom: black 4px double; text-align: right">52</td>
<td nowrap="nowrap" style="padding-bottom: 4px; text-align: left"> </td>
<td style="padding-bottom: 4px; text-align: left"> </td>
<td style="border-bottom: black 4px double; text-align: left">$</td>
<td style="border-bottom: black 4px double; text-align: right">190</td>
<td nowrap="nowrap" style="padding-bottom: 4px; text-align: left"> </td>
<td style="padding-bottom: 4px; text-align: left"> </td>
<td style="border-bottom: black 4px double; text-align: left">$</td>
<td style="border-bottom: black 4px double; text-align: right">36,742</td>
<td nowrap="nowrap" style="padding-bottom: 4px; text-align: left"> </td>
<td style="padding-bottom: 4px; text-align: left"> </td>
<td style="border-bottom: black 4px double; text-align: left">$</td>
<td style="border-bottom: black 4px double; text-align: right">77</td>
<td nowrap="nowrap" style="padding-bottom: 4px; text-align: left"> </td>
<td style="padding-bottom: 4px; text-align: left"> </td>
<td style="border-bottom: black 4px double; text-align: left">$</td>
<td style="border-bottom: black 4px double; text-align: right">192</td>
<td nowrap="nowrap" style="padding-bottom: 4px; text-align: left"> </td></tr>
</table>
<p> </p>
<p style="text-align: right; text-indent: 0pt; margin-right: 0; margin-left: 0; font: 10pt Times New Roman, Times, Serif"></p>
<p style="font: 1pt Times New Roman, Times, Serif; margin: 0">  </p>
<table cellspacing="0" cellpadding="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%">
<tr style="vertical-align: bottom">
<td style="padding-bottom: 2px"> </td>
<td style="padding-bottom: 2px; font-weight: bold"> </td>
<td colspan="22" style="border-bottom: black 2px solid; font-weight: bold; text-align: center; text-indent: 0pt">Nine Months Ended September 30,</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left; font-weight: bold"> </td></tr>
<tr style="vertical-align: bottom">
<td style="padding-bottom: 2px"> </td>
<td style="padding-bottom: 2px; font-weight: bold"> </td>
<td colspan="10" style="border-bottom: black 2px solid; font-weight: bold; text-align: center; text-indent: 0pt">2012</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left; font-weight: bold"> </td>
<td style="padding-bottom: 2px; font-weight: bold"> </td>
<td colspan="10" style="border-bottom: black 2px solid; font-weight: bold; text-align: center; text-indent: 0pt">2011</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left; font-weight: bold"> </td></tr>
<tr style="vertical-align: bottom">
<td> </td>
<td style="font-weight: bold"> </td>
<td colspan="2" style="font-weight: bold; text-align: center; text-indent: 0pt">Average</td>
<td nowrap="nowrap" style="text-align: left; font-weight: bold"> </td>
<td style="font-weight: bold"> </td>
<td colspan="2" style="font-weight: bold; text-align: center; text-indent: 0pt">Interest</td>
<td nowrap="nowrap" style="text-align: left; font-weight: bold"> </td>
<td style="font-weight: bold"> </td>
<td colspan="2" style="font-weight: bold; text-align: center; text-indent: 0pt">Interest</td>
<td nowrap="nowrap" style="text-align: left; font-weight: bold"> </td>
<td style="font-weight: bold"> </td>
<td colspan="2" style="font-weight: bold; text-align: center; text-indent: 0pt">Average</td>
<td nowrap="nowrap" style="text-align: left; font-weight: bold"> </td>
<td style="font-weight: bold"> </td>
<td colspan="2" style="font-weight: bold; text-align: center; text-indent: 0pt">Interest</td>
<td nowrap="nowrap" style="text-align: left; font-weight: bold"> </td>
<td style="font-weight: bold"> </td>
<td colspan="2" style="font-weight: bold; text-align: center; text-indent: 0pt">Interest</td>
<td nowrap="nowrap" style="text-align: left; font-weight: bold"> </td></tr>
<tr style="vertical-align: bottom">
<td> </td>
<td style="font-weight: bold"> </td>
<td colspan="2" style="font-weight: bold; text-align: center; text-indent: 0pt">Recorded</td>
<td nowrap="nowrap" style="text-align: left; font-weight: bold"> </td>
<td style="font-weight: bold"> </td>
<td colspan="2" style="font-weight: bold; text-align: center; text-indent: 0pt">Income</td>
<td nowrap="nowrap" style="text-align: left; font-weight: bold"> </td>
<td style="font-weight: bold"> </td>
<td colspan="2" style="font-weight: bold; text-align: center; text-indent: 0pt">Income</td>
<td nowrap="nowrap" style="text-align: left; font-weight: bold"> </td>
<td style="font-weight: bold"> </td>
<td colspan="2" style="font-weight: bold; text-align: center; text-indent: 0pt">Recorded</td>
<td nowrap="nowrap" style="text-align: left; font-weight: bold"> </td>
<td style="font-weight: bold"> </td>
<td colspan="2" style="font-weight: bold; text-align: center; text-indent: 0pt">Income</td>
<td nowrap="nowrap" style="text-align: left; font-weight: bold"> </td>
<td style="font-weight: bold"> </td>
<td colspan="2" style="font-weight: bold; text-align: center; text-indent: 0pt">Income</td>
<td nowrap="nowrap" style="text-align: left; font-weight: bold"> </td></tr>
<tr style="vertical-align: bottom">
<td style="padding-bottom: 2px"> </td>
<td style="padding-bottom: 2px; font-weight: bold"> </td>
<td colspan="2" style="border-bottom: black 2px solid; font-weight: bold; text-align: center; text-indent: 0pt">Investment</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left; font-weight: bold"> </td>
<td style="padding-bottom: 2px; font-weight: bold"> </td>
<td colspan="2" style="border-bottom: black 2px solid; font-weight: bold; text-align: center; text-indent: 0pt">Recognized</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left; font-weight: bold"> </td>
<td style="padding-bottom: 2px; font-weight: bold"> </td>
<td colspan="2" style="border-bottom: black 2px solid; font-weight: bold; text-align: center; text-indent: 0pt">Received</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left; font-weight: bold"> </td>
<td style="padding-bottom: 2px; font-weight: bold"> </td>
<td colspan="2" style="border-bottom: black 2px solid; font-weight: bold; text-align: center; text-indent: 0pt">Investment</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left; font-weight: bold"> </td>
<td style="padding-bottom: 2px; font-weight: bold"> </td>
<td colspan="2" style="border-bottom: black 2px solid; font-weight: bold; text-align: center; text-indent: 0pt">Recognized</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left; font-weight: bold"> </td>
<td style="padding-bottom: 2px; font-weight: bold"> </td>
<td colspan="2" style="border-bottom: black 2px solid; font-weight: bold; text-align: center; text-indent: 0pt">Received</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left; font-weight: bold"> </td></tr>
<tr style="background-color: white; vertical-align: bottom">
<td style="text-align: left; text-indent: 0pt">Residential real estate-</td>
<td> </td>
<td colspan="2"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td colspan="2"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td colspan="2"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td colspan="2"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td colspan="2"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td colspan="2"> </td>
<td nowrap="nowrap" style="text-align: left"> </td></tr>
<tr style="background-color: #cceeff; vertical-align: bottom">
<td style="padding-left: 18pt; padding-bottom: 4px; text-align: left; width: 22%; text-indent: -9pt">Closed-end first mortgages</td>
<td style="padding-bottom: 4px; text-align: left; width: 1%"> </td>
<td style="border-bottom: black 4px double; text-align: left; width: 1%">$</td>
<td style="border-bottom: black 4px double; text-align: right; width: 10%">7,863</td>
<td nowrap="nowrap" style="padding-bottom: 4px; text-align: left; width: 1%"> </td>
<td style="padding-bottom: 4px; text-align: left; width: 1%"> </td>
<td style="border-bottom: black 4px double; text-align: left; width: 1%">$</td>
<td style="border-bottom: black 4px double; text-align: right; width: 10%">156</td>
<td nowrap="nowrap" style="padding-bottom: 4px; text-align: left; width: 1%"> </td>
<td style="padding-bottom: 4px; text-align: left; width: 1%"> </td>
<td style="border-bottom: black 4px double; text-align: left; width: 1%">$</td>
<td style="border-bottom: black 4px double; text-align: right; width: 10%">254</td>
<td nowrap="nowrap" style="padding-bottom: 4px; text-align: left; width: 1%"> </td>
<td style="padding-bottom: 4px; text-align: left; width: 1%"> </td>
<td style="border-bottom: black 4px double; text-align: left; width: 1%">$</td>
<td style="border-bottom: black 4px double; text-align: right; width: 10%">11,686</td>
<td nowrap="nowrap" style="padding-bottom: 4px; text-align: left; width: 1%"> </td>
<td style="padding-bottom: 4px; text-align: left; width: 1%"> </td>
<td style="border-bottom: black 4px double; text-align: left; width: 1%">$</td>
<td style="border-bottom: black 4px double; text-align: right; width: 10%">174</td>
<td nowrap="nowrap" style="padding-bottom: 4px; text-align: left; width: 1%"> </td>
<td style="padding-bottom: 4px; text-align: left; width: 1%"> </td>
<td style="border-bottom: black 4px double; text-align: left; width: 1%">$</td>
<td style="border-bottom: black 4px double; text-align: right; width: 10%">211</td>
<td nowrap="nowrap" style="padding-bottom: 4px; text-align: left; width: 1%"> </td></tr>
<tr style="background-color: white; vertical-align: bottom">
<td style="padding-bottom: 4px; text-align: left; text-indent: 0pt">Multi-family real estate</td>
<td style="padding-bottom: 4px; text-align: left"> </td>
<td style="border-bottom: black 4px double; text-align: left">$</td>
<td style="border-bottom: black 4px double; text-align: right">0</td>
<td nowrap="nowrap" style="padding-bottom: 4px; text-align: left"> </td>
<td style="padding-bottom: 4px; text-align: left"> </td>
<td style="border-bottom: black 4px double; text-align: left">$</td>
<td style="border-bottom: black 4px double; text-align: right">0</td>
<td nowrap="nowrap" style="padding-bottom: 4px; text-align: left"> </td>
<td style="padding-bottom: 4px; text-align: left"> </td>
<td style="border-bottom: black 4px double; text-align: left">$</td>
<td style="border-bottom: black 4px double; text-align: right">0</td>
<td nowrap="nowrap" style="padding-bottom: 4px; text-align: left"> </td>
<td style="padding-bottom: 4px; text-align: left"> </td>
<td style="border-bottom: black 4px double; text-align: left">$</td>
<td style="border-bottom: black 4px double; text-align: right">0</td>
<td nowrap="nowrap" style="padding-bottom: 4px; text-align: left"> </td>
<td style="padding-bottom: 4px; text-align: left"> </td>
<td style="border-bottom: black 4px double; text-align: left">$</td>
<td style="border-bottom: black 4px double; text-align: right">0</td>
<td nowrap="nowrap" style="padding-bottom: 4px; text-align: left"> </td>
<td style="padding-bottom: 4px; text-align: left"> </td>
<td style="border-bottom: black 4px double; text-align: left">$</td>
<td style="border-bottom: black 4px double; text-align: right">0</td>
<td nowrap="nowrap" style="padding-bottom: 4px; text-align: left"> </td></tr>
<tr style="background-color: #cceeff; vertical-align: bottom">
<td style="text-align: left; text-indent: 0pt">Commercial real estate:</td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td></tr>
<tr style="background-color: white; vertical-align: bottom">
<td style="padding-left: 9pt; padding-bottom: 4px; text-align: left; text-indent: 0pt">Owner-occupied</td>
<td style="padding-bottom: 4px; text-align: left"> </td>
<td style="border-bottom: black 4px double; text-align: left">$</td>
<td style="border-bottom: black 4px double; text-align: right">177</td>
<td nowrap="nowrap" style="padding-bottom: 4px; text-align: left"> </td>
<td style="padding-bottom: 4px; text-align: left"> </td>
<td style="border-bottom: black 4px double; text-align: left">$</td>
<td style="border-bottom: black 4px double; text-align: right">0</td>
<td nowrap="nowrap" style="padding-bottom: 4px; text-align: left"> </td>
<td style="padding-bottom: 4px; text-align: left"> </td>
<td style="border-bottom: black 4px double; text-align: left">$</td>
<td style="border-bottom: black 4px double; text-align: right">0</td>
<td nowrap="nowrap" style="padding-bottom: 4px; text-align: left"> </td>
<td style="padding-bottom: 4px; text-align: left"> </td>
<td style="border-bottom: black 4px double; text-align: left">$</td>
<td style="border-bottom: black 4px double; text-align: right">466</td>
<td nowrap="nowrap" style="padding-bottom: 4px; text-align: left"> </td>
<td style="padding-bottom: 4px; text-align: left"> </td>
<td style="border-bottom: black 4px double; text-align: left">$</td>
<td style="border-bottom: black 4px double; text-align: right">0</td>
<td nowrap="nowrap" style="padding-bottom: 4px; text-align: left"> </td>
<td style="padding-bottom: 4px; text-align: left"> </td>
<td style="border-bottom: black 4px double; text-align: left">$</td>
<td style="border-bottom: black 4px double; text-align: right">1</td>
<td nowrap="nowrap" style="padding-bottom: 4px; text-align: left"> </td></tr>
<tr style="background-color: #cceeff; vertical-align: bottom">
<td style="padding-left: 9pt; padding-bottom: 4px; text-align: left; text-indent: 0pt">Non-owner-occupied</td>
<td style="padding-bottom: 4px; text-align: left"> </td>
<td style="border-bottom: black 4px double; text-align: left">$</td>
<td style="border-bottom: black 4px double; text-align: right">14,682</td>
<td nowrap="nowrap" style="padding-bottom: 4px; text-align: left"> </td>
<td style="padding-bottom: 4px; text-align: left"> </td>
<td style="border-bottom: black 4px double; text-align: left">$</td>
<td style="border-bottom: black 4px double; text-align: right">0</td>
<td nowrap="nowrap" style="padding-bottom: 4px; text-align: left"> </td>
<td style="padding-bottom: 4px; text-align: left"> </td>
<td style="border-bottom: black 4px double; text-align: left">$</td>
<td style="border-bottom: black 4px double; text-align: right">172</td>
<td nowrap="nowrap" style="padding-bottom: 4px; text-align: left"> </td>
<td style="padding-bottom: 4px; text-align: left"> </td>
<td style="border-bottom: black 4px double; text-align: left">$</td>
<td style="border-bottom: black 4px double; text-align: right">19,009</td>
<td nowrap="nowrap" style="padding-bottom: 4px; text-align: left"> </td>
<td style="padding-bottom: 4px; text-align: left"> </td>
<td style="border-bottom: black 4px double; text-align: left">$</td>
<td style="border-bottom: black 4px double; text-align: right">95</td>
<td nowrap="nowrap" style="padding-bottom: 4px; text-align: left"> </td>
<td style="padding-bottom: 4px; text-align: left"> </td>
<td style="border-bottom: black 4px double; text-align: left">$</td>
<td style="border-bottom: black 4px double; text-align: right">303</td>
<td nowrap="nowrap" style="padding-bottom: 4px; text-align: left"> </td></tr>
<tr style="background-color: white; vertical-align: bottom">
<td style="padding-bottom: 4px; text-align: left; text-indent: 0pt">Land and construction</td>
<td style="padding-bottom: 4px; text-align: left"> </td>
<td style="border-bottom: black 4px double; text-align: left">$</td>
<td style="border-bottom: black 4px double; text-align: right">4,681</td>
<td nowrap="nowrap" style="padding-bottom: 4px; text-align: left"> </td>
<td style="padding-bottom: 4px; text-align: left"> </td>
<td style="border-bottom: black 4px double; text-align: left">$</td>
<td style="border-bottom: black 4px double; text-align: right">0</td>
<td nowrap="nowrap" style="padding-bottom: 4px; text-align: left"> </td>
<td style="padding-bottom: 4px; text-align: left"> </td>
<td style="border-bottom: black 4px double; text-align: left">$</td>
<td style="border-bottom: black 4px double; text-align: right">69</td>
<td nowrap="nowrap" style="padding-bottom: 4px; text-align: left"> </td>
<td style="padding-bottom: 4px; text-align: left"> </td>
<td style="border-bottom: black 4px double; text-align: left">$</td>
<td style="border-bottom: black 4px double; text-align: right">7,704</td>
<td nowrap="nowrap" style="padding-bottom: 4px; text-align: left"> </td>
<td style="padding-bottom: 4px; text-align: left"> </td>
<td style="border-bottom: black 4px double; text-align: left">$</td>
<td style="border-bottom: black 4px double; text-align: right">21</td>
<td nowrap="nowrap" style="padding-bottom: 4px; text-align: left"> </td>
<td style="padding-bottom: 4px; text-align: left"> </td>
<td style="border-bottom: black 4px double; text-align: left">$</td>
<td style="border-bottom: black 4px double; text-align: right">119</td>
<td nowrap="nowrap" style="padding-bottom: 4px; text-align: left"> </td></tr>
<tr style="background-color: #cceeff; vertical-align: bottom">
<td style="text-align: left; text-indent: 0pt">Consumer-</td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td></tr>
<tr style="background-color: white; vertical-align: bottom">
<td style="padding-left: 9pt; padding-bottom: 4px; text-align: left; text-indent: 0pt">Non-real estate secured</td>
<td style="padding-bottom: 4px; text-align: left"> </td>
<td style="border-bottom: black 4px double; text-align: left">$</td>
<td style="border-bottom: black 4px double; text-align: right">0</td>
<td nowrap="nowrap" style="padding-bottom: 4px; text-align: left"> </td>
<td style="padding-bottom: 4px; text-align: left"> </td>
<td style="border-bottom: black 4px double; text-align: left">$</td>
<td style="border-bottom: black 4px double; text-align: right">0</td>
<td nowrap="nowrap" style="padding-bottom: 4px; text-align: left"> </td>
<td style="padding-bottom: 4px; text-align: left"> </td>
<td style="border-bottom: black 4px double; text-align: left">$</td>
<td style="border-bottom: black 4px double; text-align: right">0</td>
<td nowrap="nowrap" style="padding-bottom: 4px; text-align: left"> </td>
<td style="padding-bottom: 4px; text-align: left"> </td>
<td style="border-bottom: black 4px double; text-align: left">$</td>
<td style="border-bottom: black 4px double; text-align: right">224</td>
<td nowrap="nowrap" style="padding-bottom: 4px; text-align: left"> </td>
<td style="padding-bottom: 4px; text-align: left"> </td>
<td style="border-bottom: black 4px double; text-align: left">$</td>
<td style="border-bottom: black 4px double; text-align: right">5</td>
<td nowrap="nowrap" style="padding-bottom: 4px; text-align: left"> </td>
<td style="padding-bottom: 4px; text-align: left"> </td>
<td style="border-bottom: black 4px double; text-align: left">$</td>
<td style="border-bottom: black 4px double; text-align: right">5</td>
<td nowrap="nowrap" style="padding-bottom: 4px; text-align: left"> </td></tr>
<tr style="background-color: #cceeff; vertical-align: bottom">
<td> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td></tr>
<tr style="background-color: white; vertical-align: bottom">
<td style="padding-left: 18pt; padding-bottom: 4px; text-align: left; text-indent: 0pt">Total</td>
<td style="padding-bottom: 4px; text-align: left"> </td>
<td style="border-bottom: black 4px double; text-align: left">$</td>
<td style="border-bottom: black 4px double; text-align: right">27,403</td>
<td nowrap="nowrap" style="padding-bottom: 4px; text-align: left"> </td>
<td style="padding-bottom: 4px; text-align: left"> </td>
<td style="border-bottom: black 4px double; text-align: left">$</td>
<td style="border-bottom: black 4px double; text-align: right">156</td>
<td nowrap="nowrap" style="padding-bottom: 4px; text-align: left"> </td>
<td style="padding-bottom: 4px; text-align: left"> </td>
<td style="border-bottom: black 4px double; text-align: left">$</td>
<td style="border-bottom: black 4px double; text-align: right">495</td>
<td nowrap="nowrap" style="padding-bottom: 4px; text-align: left"> </td>
<td style="padding-bottom: 4px; text-align: left"> </td>
<td style="border-bottom: black 4px double; text-align: left">$</td>
<td style="border-bottom: black 4px double; text-align: right">39,089</td>
<td nowrap="nowrap" style="padding-bottom: 4px; text-align: left"> </td>
<td style="padding-bottom: 4px; text-align: left"> </td>
<td style="border-bottom: black 4px double; text-align: left">$</td>
<td style="border-bottom: black 4px double; text-align: right">295</td>
<td nowrap="nowrap" style="padding-bottom: 4px; text-align: left"> </td>
<td style="padding-bottom: 4px; text-align: left"> </td>
<td style="border-bottom: black 4px double; text-align: left">$</td>
<td style="border-bottom: black 4px double; text-align: right">639</td>
<td nowrap="nowrap" style="padding-bottom: 4px; text-align: left"> </td></tr>
</table>
<p style="text-indent: 0pt"></p>
<table cellspacing="0" cellpadding="0" border="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%">
<tr style="vertical-align: top">
<td style="width: 2%; font-family: Times New Roman, Times, Serif"> </td>
<td style="width: 98%; font-family: Times New Roman, Times, Serif; text-align: justify; padding-left: 18pt; text-indent: -18pt">No loans have been determined to be restructured as troubled debt restructurings (“TDRs”) during the nine months ended September 30, 2012.  The following schedule summarizes TDRs during nine months ended September 30, 2011.  There were no loans determined to be restructured as TDR during three months ended September 30, 2011.</td></tr>
</table>
<p style="text-indent: 0pt"> </p>
<table cellspacing="0" cellpadding="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%">
<tr style="vertical-align: bottom">
<td style="padding-bottom: 2px"> </td>
<td style="padding-bottom: 2px; font-weight: bold"> </td>
<td colspan="10" style="border-bottom: black 2px solid; font-weight: bold; text-align: center; text-indent: 0pt">Nine Months Ended September 30, 2011</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left; font-weight: bold"> </td></tr>
<tr style="vertical-align: bottom">
<td style="padding-bottom: 2px"> </td>
<td style="padding-bottom: 2px; font-weight: bold"> </td>
<td colspan="10" style="border-bottom: black 2px solid; font-weight: bold; text-align: center; text-indent: 0pt">Outstanding Recorded Investment</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left; font-weight: bold"> </td></tr>
<tr style="vertical-align: bottom">
<td> </td>
<td style="font-weight: bold"> </td>
<td colspan="2" style="font-weight: bold; text-align: center; text-indent: 0pt">Number</td>
<td nowrap="nowrap" style="text-align: left; font-weight: bold"> </td>
<td> </td>
<td colspan="2"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td colspan="2"> </td>
<td nowrap="nowrap" style="text-align: left"> </td></tr>
<tr style="vertical-align: bottom">
<td> </td>
<td style="font-weight: bold"> </td>
<td colspan="2" style="font-weight: bold; text-align: center; text-indent: 0pt">of</td>
<td nowrap="nowrap" style="text-align: left; font-weight: bold"> </td>
<td style="font-weight: bold"> </td>
<td colspan="2" style="font-weight: bold; text-align: center; text-indent: 0pt">Pre-</td>
<td nowrap="nowrap" style="text-align: left; font-weight: bold"> </td>
<td style="font-weight: bold"> </td>
<td colspan="2" style="font-weight: bold; text-align: center; text-indent: 0pt">Post-</td>
<td nowrap="nowrap" style="text-align: left; font-weight: bold"> </td></tr>
<tr style="vertical-align: bottom">
<td style="padding-bottom: 2px"> </td>
<td style="padding-bottom: 2px; font-weight: bold"> </td>
<td colspan="2" style="border-bottom: black 2px solid; font-weight: bold; text-align: center; text-indent: 0pt">Contracts</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left; font-weight: bold"> </td>
<td style="padding-bottom: 2px; font-weight: bold"> </td>
<td colspan="2" style="border-bottom: black 2px solid; font-weight: bold; text-align: center; text-indent: 0pt">Modification</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left; font-weight: bold"> </td>
<td style="padding-bottom: 2px; font-weight: bold"> </td>
<td colspan="2" style="border-bottom: black 2px solid; font-weight: bold; text-align: center; text-indent: 0pt">Modification</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left; font-weight: bold"> </td></tr>
<tr style="background-color: white; vertical-align: bottom">
<td style="text-align: left; font-style: italic; font-weight: bold; text-indent: 0pt">Troubled Debt Restructurings:</td>
<td> </td>
<td colspan="2"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td colspan="2"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td colspan="2"> </td>
<td nowrap="nowrap" style="text-align: left"> </td></tr>
<tr style="background-color: white; vertical-align: bottom">
<td style="padding-left: 9pt; text-align: left; text-indent: 0pt">Real estate mortgage loans:</td>
<td> </td>
<td colspan="2"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td colspan="2"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td colspan="2"> </td>
<td nowrap="nowrap" style="text-align: left"> </td></tr>
<tr style="background-color: white; vertical-align: bottom">
<td style="padding-left: 27pt; text-align: left; text-indent: 0pt">Residential real estate:</td>
<td> </td>
<td colspan="2"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td colspan="2"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td colspan="2"> </td>
<td nowrap="nowrap" style="text-align: left"> </td></tr>
<tr style="background-color: #cceeff; vertical-align: bottom">
<td style="padding-left: 36pt; text-align: left; width: 64%; text-indent: 0pt">Modified interest rate and amortization</td>
<td style="text-align: left; width: 1%"> </td>
<td style="text-align: left; width: 1%"> </td>
<td style="text-align: right; width: 9%">1</td>
<td nowrap="nowrap" style="text-align: left; width: 1%"> </td>
<td style="text-align: left; width: 1%"> </td>
<td style="text-align: left; width: 1%">$</td>
<td style="text-align: right; width: 9%">1,289</td>
<td nowrap="nowrap" style="text-align: left; width: 1%"> </td>
<td style="text-align: left; width: 1%"> </td>
<td style="text-align: left; width: 1%">$</td>
<td style="text-align: right; width: 9%">1,289</td>
<td nowrap="nowrap" style="text-align: left; width: 1%"> </td></tr>
<tr style="background-color: white; vertical-align: bottom">
<td style="padding-left: 18pt; text-align: left; text-indent: 0pt">Commercial real estate:</td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td></tr>
<tr style="background-color: #cceeff; vertical-align: bottom">
<td style="padding-left: 36pt; text-align: left; text-indent: 0pt">Modified interest rate and amortization</td>
<td style="text-align: left"> </td>
<td style="text-align: left"> </td>
<td style="text-align: right">4</td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td style="text-align: left"> </td>
<td style="text-align: left"> </td>
<td style="text-align: right">6,321</td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td style="text-align: left"> </td>
<td style="text-align: left"> </td>
<td style="text-align: right">6,321</td>
<td nowrap="nowrap" style="text-align: left"> </td></tr>
<tr style="background-color: white; vertical-align: bottom">
<td style="padding-left: 18pt; text-align: left; text-indent: 0pt">Land and construction:</td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td></tr>
<tr style="background-color: #cceeff; vertical-align: bottom">
<td style="padding-left: 36pt; padding-bottom: 2px; text-align: left; text-indent: 0pt">Modified interest rate and amortization</td>
<td style="padding-bottom: 2px; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: right">1</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left"> </td>
<td style="padding-bottom: 2px; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: right">2,080</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left"> </td>
<td style="padding-bottom: 2px; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: left"> </td>
<td style="border-bottom: black 2px solid; text-align: right">2,080</td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left"> </td></tr>
<tr style="background-color: white; vertical-align: bottom">
<td> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td style="text-align: left"> </td>
<td style="text-align: right"> </td>
<td nowrap="nowrap" style="text-align: left"> </td></tr>
<tr style="background-color: #cceeff; vertical-align: bottom">
<td style="padding-left: 45pt; padding-bottom: 4px; text-align: left; text-indent: 0pt">Total</td>
<td style="padding-bottom: 4px; text-align: left"> </td>
<td style="border-bottom: black 4px double; text-align: left"> </td>
<td style="border-bottom: black 4px double; text-align: right">6</td>
<td nowrap="nowrap" style="padding-bottom: 4px; text-align: left"> </td>
<td style="padding-bottom: 4px; text-align: left"> </td>
<td style="border-bottom: black 4px double; text-align: left">$</td>
<td style="border-bottom: black 4px double; text-align: right">9,690</td>
<td nowrap="nowrap" style="padding-bottom: 4px; text-align: left"> </td>
<td style="padding-bottom: 4px; text-align: left"> </td>
<td style="border-bottom: black 4px double; text-align: left">$</td>
<td style="border-bottom: black 4px double; text-align: right">9,690</td>
<td nowrap="nowrap" style="padding-bottom: 4px; text-align: left"> </td></tr>
</table>
<p style="text-indent: 0pt"> </p>
<p style="font: 1pt Times New Roman, Times, Serif; margin: 0"> </p>
<p style="text-align: center; text-indent: 0pt; margin-right: 0; margin-left: 0; font: 10pt Times New Roman, Times, Serif"><b> </b></p>
<p style="text-align: center; text-indent: 0pt; margin-right: 0; margin-left: 0; font: 10pt Times New Roman, Times, Serif"> </p>
<table cellspacing="0" cellpadding="0" border="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%">
<tr style="vertical-align: top">
<td style="width: 27pt; font-weight: bold; text-indent: 0pt">(3)</td>
<td style="font-style: italic; font-weight: bold; text-align: justify; padding-left: 18pt; text-indent: -18pt">Loans, Continued.  There were no defaults of TDR’s during the nine months ended September 30, 2012.  The following schedule summarizes troubled debt restructurings that subsequently defaulted during three and nine months ended September 30, 2011.</td></tr>
</table>
<p style="text-indent: 0pt"></p>
<table cellspacing="0" cellpadding="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%">
<tr style="vertical-align: bottom">
<td style="text-align: left; font-style: italic; font-weight: bold"> </td>
<td> </td>
<td nowrap="nowrap" colspan="2"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td nowrap="nowrap" colspan="2"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td nowrap="nowrap" colspan="2"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td nowrap="nowrap" colspan="2"> </td>
<td nowrap="nowrap" style="text-align: left"> </td></tr>
<tr style="vertical-align: bottom">
<td style="padding-bottom: 2px; text-align: left; font-style: italic; font-weight: bold"> </td>
<td style="padding-bottom: 2px"> </td>
<td nowrap="nowrap" colspan="6" style="border-bottom: black 2px solid">
<p>Three Months Ended</p>
<p>September 30, 2011</p></td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left"> </td>
<td style="padding-bottom: 2px"> </td>
<td nowrap="nowrap" colspan="6" style="border-bottom: black 2px solid">
<p>Nine Months Ended</p>
<p>September 30, 2011</p></td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left"> </td></tr>
<tr style="vertical-align: bottom">
<td style="padding-bottom: 2px; text-align: left; font-style: italic; font-weight: bold"> </td>
<td style="padding-bottom: 2px"> </td>
<td nowrap="nowrap" colspan="2" style="border-bottom: black 2px solid">
<p>Number</p>
<p>of</p>
<p>Contracts</p></td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left"> </td>
<td style="padding-bottom: 2px"> </td>
<td nowrap="nowrap" colspan="2" style="border-bottom: black 2px solid">
<p>Recorded</p>
<p>Investment</p></td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left"> </td>
<td style="padding-bottom: 2px"> </td>
<td nowrap="nowrap" colspan="2" style="border-bottom: black 2px solid">
<p>Number</p>
<p>of</p>
<p>Contracts</p></td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left"> </td>
<td style="padding-bottom: 2px"> </td>
<td nowrap="nowrap" colspan="2" style="border-bottom: black 2px solid">
<p> </p>
<p>Recorded</p>
<p>Investment</p></td>
<td nowrap="nowrap" style="padding-bottom: 2px; text-align: left"> </td></tr>
<tr style="vertical-align: bottom">
<td style="text-align: left">
<p>Troubled debt restructurings that subsequently defaulted which were restructured during the last twelve months (dollars in thousands):</p></td>
<td> </td>
<td nowrap="nowrap" colspan="2"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td nowrap="nowrap" colspan="2"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td nowrap="nowrap" colspan="2"> </td>
<td nowrap="nowrap" style="text-align: left"> </td>
<td> </td>
<td nowrap="nowrap" colspan="2"> </td>
<td nowrap="nowrap" style="text-align: left"> </td></tr>
<tr style="background-color: #cceeff; vertical-align: bottom">
<td style="padding-bottom: 4px; text-align: left; width: 48%">
<p>Real estate mortgage loans-Land and construction</p></td>
<td style="padding-bottom: 4px; text-align: left; width: 1%"> </td>
<td style="border-bottom: black 4px double; text-align: left; width: 1%"> </td>
<td style="border-bottom: black 4px double; text-align: right; width: 10%">1</td>
<td nowrap="nowrap" style="padding-bottom: 4px; text-align: left; width: 1%"> </td>
<td style="padding-bottom: 4px; text-align: left; width: 1%"> </td>
<td style="border-bottom: black 4px double; text-align: left; width: 1%">$</td>
<td style="border-bottom: black 4px double; text-align: right; width: 10%">2,806</td>
<td nowrap="nowrap" style="padding-bottom: 4px; text-align: left; width: 1%"> </td>
<td style="padding-bottom: 4px; text-align: left; width: 1%"> </td>
<td style="border-bottom: black 4px double; text-align: left; width: 1%"> </td>
<td style="border-bottom: black 4px double; text-align: right; width: 10%">1</td>
<td nowrap="nowrap" style="padding-bottom: 4px; text-align: left; width: 1%"> </td>
<td style="padding-bottom: 4px; text-align: left; width: 1%"> </td>
<td style="border-bottom: black 4px double; text-align: left; width: 1%">$</td>
<td style="border-bottom: black 4px double; text-align: right; width: 10%">2,806</td>
<td nowrap="nowrap" style="padding-bottom: 4px; text-align: left; width: 1%"> </td></tr>
</table>
<div style="text-align: center"><table border="0" cellpadding="0" cellspacing="0" style="width: 100%; font: 10pt times new roman; font-size: 10pt; font-family: times new roman"><tr style="vertical-align: top"><td style="width: 27pt"><div style="margin-left: 0pt; text-indent: 0pt; margin-right: 0pt"><font style="display: inline; font: 10pt times new roman"><font style="display: inline; font-weight: bold">(4)</font></font></div>
</td>
<td>
<div style="text-align: justify; margin-left: 18pt; text-indent: -18pt"><font style="display: inline; font: 10pt times new roman"><font style="display: inline; font-weight: bold; font-style: italic">Regulatory Capital.</font><font style="display: inline; font-style: italic"> </font>The Bank is required to maintain certain minimum regulatory capital requirements. The following is a summary at September 30, 2012 of the regulatory capital requirements and the Bank’s capital on a percentage basis:</font></div>
</td>
</tr></table>
</div>
<div style="display: block; text-indent: 0pt"><font style="display: inline; font: bold 10pt Times New Roman"> </font></div>
<div style="display: block; margin-left: 0pt; text-indent: 0pt; margin-right: 0pt; text-align: left">
<div style="text-align: center">
<table cellpadding="0" cellspacing="0" style="width: 90%; font: 10pt times new roman; font-size: 10pt; font-family: times new roman">
<tr>
<td style="vertical-align: bottom; width: 66%; padding-bottom: 2px"><font style="display: inline; font: 10pt times new roman">  </font></td>
<td style="vertical-align: bottom; width: 1%; padding-bottom: 2px"><font style="display: inline; font: bold 10pt times new roman"> </font></td>
<td colspan="2" style="vertical-align: bottom; width: 10%; border-bottom: black 2px solid">
<div style="text-align: center; display: block; margin-left: 0pt; text-indent: 0pt; margin-right: 0pt"><font style="display: inline; font: bold 10pt times new roman">Bank</font></div>
</td>
<td nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; text-align: left"><font style="display: inline; font: bold 10pt times new roman"> </font></td>
<td style="vertical-align: bottom; width: 1%; padding-bottom: 2px"><font style="display: inline; font: bold 10pt times new roman"> </font></td>
<td colspan="2" style="vertical-align: bottom; width: 10%; border-bottom: black 2px solid">
<div style="text-align: center; display: block; margin-left: 0pt; text-indent: 0pt; margin-right: 0pt"><font style="display: inline; font: bold 10pt times new roman">Regulatory<br />
</font><font style="display: inline; font: bold 10pt times new roman">Requirement</font></div>
</td>
<td nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; text-align: left"><font style="display: inline; font: bold 10pt times new roman"> </font></td>
</tr><tr>
<td style="text-align: left; vertical-align: bottom; width: 66%"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td style="text-align: left; vertical-align: bottom; width: 1%"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td style="vertical-align: bottom; width: 1%; text-align: left"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td style="vertical-align: bottom; width: 9%; text-align: right"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td nowrap="nowrap" style="vertical-align: bottom; width: 1%; text-align: left"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td style="text-align: left; vertical-align: bottom; width: 1%"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td style="vertical-align: bottom; width: 1%; text-align: left"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td style="vertical-align: bottom; width: 9%; text-align: right"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td nowrap="nowrap" style="vertical-align: bottom; width: 1%; text-align: left"><font style="display: inline; font: 10pt times new roman"> </font></td>
</tr><tr style="background-color: #cceeff">
<td style="text-align: left; vertical-align: bottom; width: 66%">
<div style="text-align: left; display: block; margin-left: 0pt; text-indent: 0pt; margin-right: 0pt"><font style="display: inline; font: 10pt times new roman">Tier I capital to total average assets</font></div>
</td>
<td style="text-align: left; vertical-align: bottom; width: 1%"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td style="vertical-align: bottom; width: 1%; text-align: left"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td style="vertical-align: bottom; width: 9%; text-align: right"><font style="display: inline; font: 10pt times new roman">9.21</font></td>
<td nowrap="nowrap" style="vertical-align: bottom; width: 1%; text-align: left"><font style="display: inline; font: 10pt times new roman">%</font></td>
<td style="text-align: left; vertical-align: bottom; width: 1%"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td style="vertical-align: bottom; width: 1%; text-align: left"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td style="vertical-align: bottom; width: 9%; text-align: right"><font style="display: inline; font: 10pt times new roman">8.00</font></td>
<td nowrap="nowrap" style="vertical-align: bottom; width: 1%; text-align: left"><font style="display: inline; font: 10pt times new roman">%</font></td>
</tr><tr style="background-color: white">
<td style="vertical-align: bottom; width: 66%"><font style="display: inline; font: 10pt times new roman">  </font></td>
<td style="vertical-align: bottom; width: 1%"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td style="vertical-align: bottom; width: 1%; text-align: left"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td style="vertical-align: bottom; width: 9%; text-align: right"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td nowrap="nowrap" style="vertical-align: bottom; width: 1%; text-align: left"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td style="vertical-align: bottom; width: 1%"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td style="vertical-align: bottom; width: 1%; text-align: left"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td style="vertical-align: bottom; width: 9%; text-align: right"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td nowrap="nowrap" style="vertical-align: bottom; width: 1%; text-align: left"><font style="display: inline; font: 10pt times new roman"> </font></td>
</tr><tr style="background-color: #cceeff">
<td style="text-align: left; vertical-align: bottom; width: 66%">
<div style="text-align: left; display: block; margin-left: 0pt; text-indent: 0pt; margin-right: 0pt"><font style="display: inline; font: 10pt times new roman">Tier I capital to risk-weighted assets</font></div>
</td>
<td style="text-align: left; vertical-align: bottom; width: 1%"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td style="vertical-align: bottom; width: 1%; text-align: left"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td style="vertical-align: bottom; width: 9%; text-align: right"><font style="display: inline; font: 10pt times new roman">12.64</font></td>
<td nowrap="nowrap" style="vertical-align: bottom; width: 1%; text-align: left"><font style="display: inline; font: 10pt times new roman">%</font></td>
<td style="text-align: left; vertical-align: bottom; width: 1%"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td style="vertical-align: bottom; width: 1%; text-align: left"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td style="vertical-align: bottom; width: 9%; text-align: right"><font style="display: inline; font: 10pt times new roman">4.00</font></td>
<td nowrap="nowrap" style="vertical-align: bottom; width: 1%; text-align: left"><font style="display: inline; font: 10pt times new roman">%</font></td>
</tr><tr style="background-color: white">
<td style="vertical-align: bottom; width: 66%"><font style="display: inline; font: 10pt times new roman">  </font></td>
<td style="vertical-align: bottom; width: 1%"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td style="vertical-align: bottom; width: 1%; text-align: left"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td style="vertical-align: bottom; width: 9%; text-align: right"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td nowrap="nowrap" style="vertical-align: bottom; width: 1%; text-align: left"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td style="vertical-align: bottom; width: 1%"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td style="vertical-align: bottom; width: 1%; text-align: left"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td style="vertical-align: bottom; width: 9%; text-align: right"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td nowrap="nowrap" style="vertical-align: bottom; width: 1%; text-align: left"><font style="display: inline; font: 10pt times new roman"> </font></td>
</tr><tr style="background-color: #cceeff">
<td style="text-align: left; vertical-align: bottom; width: 66%">
<div style="text-align: left; display: block; margin-left: 0pt; text-indent: 0pt; margin-right: 0pt"><font style="display: inline; font: 10pt times new roman">Total capital to risk-weighted assets</font></div>
</td>
<td style="text-align: left; vertical-align: bottom; width: 1%"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td style="vertical-align: bottom; width: 1%; text-align: left"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td style="vertical-align: bottom; width: 9%; text-align: right"><font style="display: inline; font: 10pt times new roman">13.90</font></td>
<td nowrap="nowrap" style="vertical-align: bottom; width: 1%; text-align: left"><font style="display: inline; font: 10pt times new roman">%</font></td>
<td style="text-align: left; vertical-align: bottom; width: 1%"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td style="vertical-align: bottom; width: 1%; text-align: left"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td style="vertical-align: bottom; width: 9%; text-align: right"><font style="display: inline; font: 10pt times new roman">12.00</font></td>
<td nowrap="nowrap" style="vertical-align: bottom; width: 1%; text-align: left"><font style="display: inline; font: 10pt times new roman">%</font></td>
</tr></table>
</div>
<div style="display: block; text-indent: 0pt"><font style="display: inline; font: bold 10pt Times New Roman"> </font></div>
</div>
<div>
<table align="center" border="0" cellpadding="0" cellspacing="0" style="width: 100%; font: 10pt times new roman; font-size: 10pt; font-family: times new roman">
<tr style="vertical-align: top">
<td style="width: 37px">
<div><font style="display: inline; font: 10pt Times New Roman">  </font></div>
</td>
<td style="width: 944px">
<div style="text-align: justify; margin-left: 18pt; text-indent: -18pt"><font style="display: inline; font: 10pt Times New Roman">As a result of the Consent Order discussed in Note 8, the Bank is categorized as “adequately capitalized” until the Consent Order is lifted, even though the ratios would otherwise place it in the “well capitalized” category.</font></div>
</td>
</tr></table>
</div>
<div style="display: block; text-indent: 0pt"></div>
<div style="text-align: center">
<table border="0" cellpadding="0" cellspacing="0" style="width: 100%; font: 10pt times new roman; font-size: 10pt; font-family: times new roman">
<tr style="vertical-align: top">
<td style="width: 27pt">
<div style="margin-left: 0pt; text-indent: 0pt; margin-right: 0pt"><font style="display: inline; font: 10pt times new roman"><font style="display: inline; font-weight: bold">(5)</font></font></div>
</td>
<td>
<div style="text-align: justify; margin-left: 18pt; text-indent: -18pt"><font style="display: inline; font: 10pt times new roman"><font style="display: inline; font-weight: bold; font-style: italic">Loss</font><font style="display: inline; font-weight: bold"> </font><font style="display: inline; font-weight: bold; font-style: italic">Per Share</font><font style="display: inline; font-style: italic">.</font> Basic loss per share has been computed on the basis of the weighted-average number of shares of common stock outstanding during the period.  Basic and diluted loss per share is the same due to the net loss incurred by the Company.  Loss per common share has been computed based on the following:</font></div>
</td>
</tr></table>
</div>
<div style="display: block; text-indent: 0pt">  </div>
<div style="display: block; text-indent: 0pt"></div>
<div style="text-align: center">
<table cellpadding="0" cellspacing="0" style="width: 90%; font: 10pt times new roman; font-size: 10pt; font-family: times new roman">
<tr>
<td style="vertical-align: bottom; width: 42%; padding-bottom: 2px"><font style="display: inline; font: 10pt times new roman">  </font></td>
<td style="vertical-align: bottom; width: 1%; padding-bottom: 2px"><font style="display: inline; font: bold 10pt times new roman"> </font></td>
<td colspan="6" nowrap="nowrap" style="vertical-align: bottom; width: 22%; border-bottom: black 2px solid">
<div style="text-align: center; display: block; margin-left: 0pt; text-indent: 0pt; margin-right: 0pt"><font style="display: inline; font: bold 10pt times new roman">Three Months Ended </font><font style="display: inline; font: bold 10pt times new roman">September 30,</font></div>
</td>
<td nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; text-align: left"><font style="display: inline; font: bold 10pt times new roman"> </font></td>
<td style="vertical-align: bottom; width: 1%; padding-bottom: 2px"><font style="display: inline; font: bold 10pt times new roman"> </font></td>
<td colspan="6" nowrap="nowrap" style="vertical-align: bottom; width: 22%; border-bottom: black 2px solid">
<div style="text-align: center; display: block; margin-left: 0pt; text-indent: 0pt; margin-right: 0pt"><font style="display: inline; font: bold 10pt times new roman">Nine Months Ended </font><font style="display: inline; font: bold 10pt times new roman">September 30,</font></div>
</td>
<td nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; text-align: left"><font style="display: inline; font: bold 10pt times new roman"> </font></td>
</tr><tr>
<td style="vertical-align: bottom; width: 42%; padding-bottom: 2px"><font style="display: inline; font: 10pt times new roman">  </font></td>
<td style="vertical-align: bottom; width: 1%; padding-bottom: 2px"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td colspan="2" style="vertical-align: bottom; width: 10%; border-bottom: black 2px solid; text-align: center"><font style="display: inline; font: 10pt times new roman"><font style="font-weight: bold">2012</font></font></td>
<td nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; text-align: left"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td style="vertical-align: bottom; width: 1%; padding-bottom: 2px"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td colspan="2" style="vertical-align: bottom; width: 10%; border-bottom: black 2px solid; text-align: center"><font style="display: inline; font: 10pt times new roman"><font style="display: inline; font: bold 10pt times new roman">2011</font></font></td>
<td nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; text-align: left"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td style="vertical-align: bottom; width: 1%; padding-bottom: 2px"><font style="display: inline; font: bold 10pt times new roman"> </font></td>
<td colspan="2" style="vertical-align: bottom; width: 10%; border-bottom: black 2px solid">
<div style="text-align: center; display: block; margin-left: 0pt; text-indent: 0pt; margin-right: 0pt"><font style="display: inline; font: bold 10pt times new roman">2012</font></div>
</td>
<td nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; text-align: left"><font style="display: inline; font: bold 10pt times new roman"> </font></td>
<td style="vertical-align: bottom; width: 1%; padding-bottom: 2px"><font style="display: inline; font: bold 10pt times new roman"> </font></td>
<td colspan="2" style="vertical-align: bottom; width: 10%; border-bottom: black 2px solid">
<div style="text-align: center; display: block; margin-left: 0pt; text-indent: 0pt; margin-right: 0pt"><font style="display: inline; font: bold 10pt times new roman">2011</font></div>
</td>
<td nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; text-align: left"><font style="display: inline; font: bold 10pt times new roman"> </font></td>
</tr><tr style="background-color: #cceeff">
<td style="text-align: left; vertical-align: bottom; width: 42%; padding-bottom: 4px">
<div style="text-align: left; display: block; margin-left: 0pt; text-indent: 0pt; margin-right: 0pt">
<div style="text-align: left; display: block; margin-left: 9pt; text-indent: -9pt; margin-right: 0pt"><font style="display: inline; font: 10pt times new roman"><font style="display: inline; font: 10pt times new roman">Weighted-average number of common shares </font>outstanding used to calculate basic and diluted loss per common share</font></div>
</div>
</td>
<td style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 4px"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td style="vertical-align: bottom; width: 1%; border-bottom: black 4px double; text-align: left"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td style="vertical-align: bottom; width: 9%; border-bottom: black 4px double; text-align: right"><font style="display: inline; font: 10pt times new roman">29,114,906</font></td>
<td nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; text-align: left"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 4px"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td style="vertical-align: bottom; width: 1%; border-bottom: black 4px double; text-align: left"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td style="vertical-align: bottom; width: 9%; border-bottom: black 4px double; text-align: right"><font style="display: inline; font: 10pt times new roman">819,358</font></td>
<td nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; text-align: left"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 4px"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td style="vertical-align: bottom; width: 1%; border-bottom: black 4px double; text-align: left"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td style="vertical-align: bottom; width: 9%; border-bottom: black 4px double; text-align: right"><font style="display: inline; font: 10pt times new roman">26,130,843</font></td>
<td nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; text-align: left"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 4px"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td style="vertical-align: bottom; width: 1%; border-bottom: black 4px double; text-align: left"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td style="vertical-align: bottom; width: 9%; border-bottom: black 4px double; text-align: right"><font style="display: inline; font: 10pt times new roman">819,358</font></td>
<td nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; text-align: left"><font style="display: inline; font: 10pt times new roman"> </font></td></tr></table></div>
<div style="display: block; text-indent: 0pt"></div>
<div style="text-align: center">
<table border="0" cellpadding="0" cellspacing="0" style="width: 100%; font: 10pt times new roman; font-size: 10pt; font-family: times new roman">
<tr style="vertical-align: top">
<td style="width: 27pt">
<div style="margin-left: 0pt; text-indent: 0pt; margin-right: 0pt"><font style="display: inline; font: 10pt times new roman"><font style="display: inline; font-weight: bold">(6)</font></font></div>
</td>
<td>
<div style="text-align: justify; margin-left: 18pt; text-indent: -18pt"><font style="display: inline; font: 10pt times new roman"><font style="display: inline; font-weight: bold; font-style: italic">Stock-Based Compensation</font><font style="display: inline; font-style: italic">.</font>  On December 27, 2011, the Company’s stockholders approved the 2011 Equity Incentive Plan (“2011 Plan”).  A total of 2,200,000 shares of common stock are available to be issued under the 2011 Plan.  Options, restricted stock, performance share awards and bonus share awards in lieu of obligations may be issued under the 2011 Plan.  Both incentive stock options and nonqualified stock options can be granted under the 2011 Plan.  The exercise price of the stock options cannot be less than the fair market value of the common stock on the date of grant.  Effective January 1, 2012, the Company adopted a Non- Employee Director Compensation Plan under which bonus shares issuable under the 2011 Plan may be issued as compensation to outside directors. During the nine months ended September 30, 2012, 42,225 shares of stock valued at approximately $42,000 have been issued under the 2011 Plan and Non-Employee Director Compensation Plan as compensation to outside directors.</font></div>
</td>
</tr></table>
</div>
<div style="display: block; text-indent: 0pt"><br />
</div>
<div>
<table align="center" border="0" cellpadding="0" cellspacing="0" style="width: 100%; font: 10pt times new roman; font-size: 10pt; font-family: times new roman">
<tr style="vertical-align: top">
<td style="width: 68px">
<div><font style="display: inline; font: 10pt Times New Roman">  </font></div>
</td>
<td style="width: 913px">
<div style="text-align: justify"><font style="display: inline; font: 10pt Times New Roman">The Company’s prior stock option plan terminated on February 27, 2011.  At September 30, 2012, no options were available for grant under this plan.  Options must be exercised within ten years of the date of grant.</font></div>
</td>
</tr></table>
</div>
<div style="display: block; text-indent: 0pt"><br />
</div>
<div style="text-align: center">
<table border="0" cellpadding="0" cellspacing="0" style="width: 100%; font: 10pt times new roman; font-size: 10pt; font-family: times new roman">
<tr style="vertical-align: top">
<td style="width: 68px"> </td>
<td style="width: 913px">
<div style="text-align: justify"><font style="display: inline; font: 10pt times new roman">A summary of the activity in the prior plan is as follows:</font></div>
</td>
</tr></table>
</div>
<div style="display: block; text-indent: 0pt"> </div>
<div style="text-align: center; display: block; text-indent: 0pt">
<table cellpadding="0" cellspacing="0" style="width: 90%; font: 10pt times new roman; font-size: 10pt; font-family: times new roman">
<tr>
<td style="text-align: left; vertical-align: bottom; width: 43%; padding-bottom: 2px"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td style="vertical-align: bottom; width: 1%; padding-bottom: 2px"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td colspan="2" style="vertical-align: bottom; width: 10%; border-bottom: black 2px solid">
<div style="text-align: center; display: block; margin-left: 0pt; text-indent: 0pt; margin-right: 0pt"><font style="display: inline; font: 10pt times new roman"><font style="display: inline; font: bold 10pt times new roman">Number of</font></font></div>
<div style="text-align: center; display: block; margin-left: 0pt; text-indent: 0pt; margin-right: 0pt"><font style="display: inline; font: 10pt times new roman"><font style="display: inline; font: bold 10pt times new roman">Options</font></font></div>
</td>
<td nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; text-align: left"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td style="vertical-align: bottom; width: 1%; padding-bottom: 2px"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td colspan="2" style="vertical-align: bottom; width: 10%; border-bottom: black 2px solid">
<div style="text-align: center; display: block; margin-left: 0pt; text-indent: 0pt; margin-right: 0pt"><font style="display: inline; font: 10pt times new roman"><font style="display: inline; font: bold 10pt times new roman">Weighted-</font></font></div>
<div style="text-align: center; display: block; margin-left: 0pt; text-indent: 0pt; margin-right: 0pt"><font style="display: inline; font: 10pt times new roman"><font style="display: inline; font: bold 10pt times new roman">Average</font></font></div>
<div style="text-align: center; display: block; margin-left: 0pt; text-indent: 0pt; margin-right: 0pt"><font style="display: inline; font: 10pt times new roman"><font style="display: inline; font: bold 10pt times new roman">Exercise</font></font></div>
<div style="text-align: center; display: block; margin-left: 0pt; text-indent: 0pt; margin-right: 0pt"><font style="display: inline; font: 10pt times new roman"><font style="display: inline; font: bold 10pt times new roman">Price</font></font></div>
</td>
<td nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; text-align: left"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td style="vertical-align: bottom; width: 1%; padding-bottom: 2px"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td style="vertical-align: bottom; width: 9%; padding-bottom: 2px; border-bottom: black 2px solid">
<div style="text-align: center; display: block; margin-left: 0pt; text-indent: 0pt; margin-right: 0pt"><font style="display: inline; font: 10pt times new roman"><font style="display: inline; font: bold 10pt times new roman">Weighted-</font></font></div>
<div style="text-align: center; display: block; margin-left: 0pt; text-indent: 0pt; margin-right: 0pt"><font style="display: inline; font: 10pt times new roman"><font style="display: inline; font: bold 10pt times new roman">Average</font></font></div>
<div style="text-align: center; display: block; margin-left: 0pt; text-indent: 0pt; margin-right: 0pt"><font style="display: inline; font: 10pt times new roman"><font style="display: inline; font: bold 10pt times new roman">Remaining</font></font></div>
<div style="text-align: center; display: block; margin-left: 0pt; text-indent: 0pt; margin-right: 0pt"><font style="display: inline; font: 10pt times new roman"><font style="display: inline; font: bold 10pt times new roman">Contractual</font></font></div>
<div style="text-align: center; display: block; margin-left: 0pt; text-indent: 0pt; margin-right: 0pt"><font style="display: inline; font: 10pt times new roman"><font style="display: inline; font: bold 10pt times new roman">Term</font></font></div>
</td>
<td style="vertical-align: bottom; width: 1%; padding-bottom: 2px"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td style="vertical-align: bottom; width: 1%; padding-bottom: 2px"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td colspan="2" style="vertical-align: bottom; width: 10%; border-bottom: black 2px solid"><font style="display: inline; font: 10pt times new roman">  </font>
<div style="text-align: center; display: block; margin-left: 0pt; text-indent: 0pt; margin-right: 0pt"><font style="display: inline; font: 10pt times new roman"><font style="display: inline; font: bold 10pt times new roman">Aggregate</font></font></div>
<div style="text-align: center; display: block; margin-left: 0pt; text-indent: 0pt; margin-right: 0pt"><font style="display: inline; font: 10pt times new roman"><font style="display: inline; font: bold 10pt times new roman">Intrinsic</font></font></div>
<div style="text-align: center; display: block; margin-left: 0pt; text-indent: 0pt; margin-right: 0pt"><font style="display: inline; font: 10pt times new roman"><font style="display: inline; font: bold 10pt times new roman">Value</font></font></div>
</td>
<td nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; text-align: left"><font style="display: inline; font: 10pt times new roman"> </font></td>
</tr><tr style="background-color: #cceeff">
<td style="text-align: left; vertical-align: bottom; width: 43%">
<div style="text-align: left; display: block; margin-left: 0pt; text-indent: 0pt; margin-right: 0pt"><font style="display: inline; font: 10pt times new roman">Outstanding at December 31, 2011</font></div>
</td>
<td style="vertical-align: bottom; width: 1%"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td colspan="2" style="vertical-align: bottom; width: 10%; text-align: right"><font style="display: inline; font: 10pt times new roman">50,900</font></td>
<td nowrap="nowrap" style="vertical-align: bottom; width: 1%; text-align: left"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td style="vertical-align: bottom; width: 1%"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td style="vertical-align: bottom; width: 1%"><font style="display: inline; font: 10pt times new roman">$</font></td>
<td style="vertical-align: bottom; width: 9%; text-align: right"><font style="display: inline; font: 10pt times new roman"> 34.31</font></td>
<td nowrap="nowrap" style="vertical-align: bottom; width: 1%; text-align: left"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td style="vertical-align: bottom; width: 1%"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td style="vertical-align: bottom; width: 9%"><font style="display: inline; font: 10pt times new roman">  </font></td>
<td style="vertical-align: bottom; width: 1%"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td style="vertical-align: bottom; width: 1%"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td colspan="2" style="vertical-align: bottom; width: 10%"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td nowrap="nowrap" style="vertical-align: bottom; width: 1%; text-align: left"><font style="display: inline; font: 10pt times new roman"> </font></td>
</tr><tr style="background-color: white">
<td style="text-align: left; vertical-align: bottom; width: 43%; padding-bottom: 2px">
<div style="text-align: left; display: block; margin-left: 0pt; text-indent: 0pt; margin-right: 0pt"><font style="display: inline; font: 10pt times new roman">Options forfeited</font></div>
</td>
<td style="vertical-align: bottom; width: 1%; padding-bottom: 2px"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td colspan="2" style="vertical-align: bottom; width: 10%; border-bottom: black 2px solid; text-align: right"><font style="display: inline; font: 10pt times new roman">(11,392</font></td>
<td nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; text-align: left"><font style="display: inline; font: 10pt times new roman">) </font></td>
<td style="vertical-align: bottom; width: 1%; padding-bottom: 2px"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td style="vertical-align: bottom; width: 1%; padding-bottom: 2px"> </td>
<td style="vertical-align: bottom; width: 9%; padding-bottom: 2px; text-align: right"><font style="display: inline; font: 10pt times new roman">32.97</font></td>
<td nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; text-align: left"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td style="vertical-align: bottom; width: 1%; padding-bottom: 2px"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td style="vertical-align: bottom; width: 9%; padding-bottom: 2px"><font style="display: inline; font: 10pt times new roman">  </font></td>
<td style="vertical-align: bottom; width: 1%; padding-bottom: 2px"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td style="vertical-align: bottom; width: 1%; padding-bottom: 2px"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td colspan="2" style="vertical-align: bottom; width: 10%; padding-bottom: 2px"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; text-align: left"><font style="display: inline; font: 10pt times new roman"> </font></td>
</tr><tr style="background-color: #cceeff">
<td style="vertical-align: bottom; width: 43%"><font style="display: inline; font: 10pt times new roman">  </font></td>
<td style="vertical-align: bottom; width: 1%"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td colspan="2" style="vertical-align: bottom; width: 10%"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td nowrap="nowrap" style="vertical-align: bottom; width: 1%; text-align: left"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td style="vertical-align: bottom; width: 1%"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td colspan="2" style="vertical-align: bottom; width: 10%"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td nowrap="nowrap" style="vertical-align: bottom; width: 1%; text-align: left"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td style="vertical-align: bottom; width: 1%"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td style="vertical-align: bottom; width: 9%"><font style="display: inline; font: 10pt times new roman">  </font></td>
<td style="vertical-align: bottom; width: 1%"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td style="vertical-align: bottom; width: 1%"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td colspan="2" style="vertical-align: bottom; width: 10%"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td nowrap="nowrap" style="vertical-align: bottom; width: 1%; text-align: left"><font style="display: inline; font: 10pt times new roman"> </font></td>
</tr><tr style="background-color: white">
<td style="text-align: left; vertical-align: bottom; width: 43%; padding-bottom: 4px">
<div style="text-align: left; display: block; margin-left: 0pt; text-indent: 0pt; margin-right: 0pt">
<div style="text-align: left; display: block; margin-left: 0pt; text-indent: 0pt; margin-right: 0pt"><font style="display: inline; font: 10pt times new roman"><font style="display: inline; font: 10pt times new roman">Outstanding and exercisable at </font>September 30, 2012</font></div>
</div>
</td>
<td style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 4px"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td style="vertical-align: bottom; width: 1%; border-bottom: black 4px double; text-align: left"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td style="vertical-align: bottom; width: 9%; border-bottom: black 4px double; text-align: right"><font style="display: inline; font: 10pt times new roman">39,508</font></td>
<td nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; text-align: left"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 4px"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td style="vertical-align: bottom; width: 1%; border-bottom: black 4px double; text-align: left"><font style="display: inline; font: 10pt times new roman">$</font></td>
<td style="vertical-align: bottom; width: 9%; border-bottom: black 4px double; text-align: right"><font style="display: inline; font: 10pt times new roman">34.70</font></td>
<td nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; text-align: left"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 4px"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td style="vertical-align: bottom; width: 9%; border-bottom: black 4px double; text-align: right">
<div style="display: block; margin-left: 0pt; text-indent: 0pt; margin-right: 0pt; text-align: right"><font style="display: inline; font: 10pt times new roman">2.3 years</font></div>
</td>
<td style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 4px"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td style="vertical-align: bottom; width: 1%; padding-bottom: 4px; text-align: left"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td style="vertical-align: bottom; width: 1%; border-bottom: black 4px double; text-align: left"><font style="display: inline; font: 10pt times new roman">$</font></td>
<td style="vertical-align: bottom; width: 9%; border-bottom: black 4px double; text-align: right"><font style="display: inline; font: 10pt times new roman">0</font></td>
<td nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; text-align: left"><font style="display: inline; font: 10pt times new roman"> </font></td>
</tr></table>
</div>
<div style="display: block; text-indent: 0pt"> </div>
<div style="display: block; text-indent: 0pt"> </div>
<div style="text-align: center"> </div>
<div style="text-align: center"><table border="0" cellpadding="0" cellspacing="0" style="width: 100%; font: 10pt times new roman; font-size: 10pt; font-family: times new roman"><tr style="vertical-align: top"><td style="width: 27pt"><div style="margin-left: 0pt; text-indent: 0pt; margin-right: 0pt"><font style="display: inline; font: 10pt times new roman"><font style="display: inline; font-weight: bold">(7)</font></font></div>
</td>
<td>
<div style="text-align: justify; margin-left: 18pt; text-indent: -18pt"><font style="display: inline; font: 10pt times new roman"><font style="display: inline; font-weight: bold; font-style: italic">Fair Value Measurements. </font><font style="display: inline; font-weight: bold"> </font>Securities available for sale measured at fair value on a recurring basis are summarized below (in thousands):</font></div>
</td>
</tr></table>
</div>
<div style="display: block; text-indent: 0pt"><br />
</div>
<div style="text-align: justify; display: block; margin-left: 0pt; text-indent: 90pt; margin-right: 0pt"></div>
<div style="text-align: center">
<table cellpadding="0" cellspacing="0" style="width: 90%; font: 10pt times new roman; font-size: 10pt; font-family: times new roman">
<tr>
<td style="text-align: left; vertical-align: bottom; width: 42%"><font style="display: inline; font: italic bold 10pt times new roman"> </font></td>
<td style="vertical-align: bottom; width: 1%"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td colspan="2" style="vertical-align: bottom; width: 10%"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td nowrap="nowrap" style="vertical-align: bottom; width: 1%; text-align: left"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td style="vertical-align: bottom; width: 1%"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td colspan="10" nowrap="nowrap" style="vertical-align: bottom; width: 34%; border-bottom: black 2px solid">
<div style="text-align: center; display: block; margin-left: 0pt; text-indent: 0pt; margin-right: 0pt"><font style="display: inline; font: 10pt times new roman"><font style="display: inline; font: bold 10pt times new roman">Fair Value Measurements at Reporting Date Using</font></font></div>
</td>
<td nowrap="nowrap" style="vertical-align: bottom; width: 1%; text-align: left"><font style="display: inline; font: 10pt times new roman"> </font></td>
</tr><tr>
<td style="text-align: left; vertical-align: bottom; width: 42%; padding-bottom: 2px"><font style="display: inline; font: italic bold 10pt times new roman"> </font></td>
<td style="vertical-align: bottom; width: 1%; padding-bottom: 2px"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td colspan="2" style="vertical-align: bottom; width: 10%; border-bottom: black 2px solid">
<div style="text-align: center; display: block; margin-left: 0pt; text-indent: 0pt; margin-right: 0pt"><font style="display: inline; font: 10pt times new roman"><font style="display: inline; font: bold 10pt times new roman">Fair</font></font></div>
<div style="text-align: center; display: block; margin-left: 0pt; text-indent: 0pt; margin-right: 0pt"><font style="display: inline; font: 10pt times new roman"><font style="display: inline; font: bold 10pt times new roman">Value</font></font></div>
</td>
<td nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; text-align: left"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td style="vertical-align: bottom; width: 1%; padding-bottom: 2px"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td colspan="2" style="vertical-align: bottom; width: 10%; border-bottom: black 2px solid">
<div style="text-align: center; display: block; margin-left: 0pt; text-indent: 0pt; margin-right: 0pt"><font style="display: inline; font: 10pt times new roman"><font style="display: inline; font: bold 10pt times new roman">Quoted Prices</font></font></div>
<div style="text-align: center; display: block; margin-left: 0pt; text-indent: 0pt; margin-right: 0pt"><font style="display: inline; font: 10pt times new roman"><font style="display: inline; font: bold 10pt times new roman">In Active</font></font></div>
<div style="text-align: center; display: block; margin-left: 0pt; text-indent: 0pt; margin-right: 0pt"><font style="display: inline; font: 10pt times new roman"><font style="display: inline; font: bold 10pt times new roman">Markets for</font></font></div>
<div style="text-align: center; display: block; margin-left: 0pt; text-indent: 0pt; margin-right: 0pt"><font style="display: inline; font: 10pt times new roman"><font style="display: inline; font: bold 10pt times new roman">Identical</font></font></div>
<div style="text-align: center; display: block; margin-left: 0pt; text-indent: 0pt; margin-right: 0pt"><font style="display: inline; font: 10pt times new roman"><font style="display: inline; font: bold 10pt times new roman">Assets</font></font></div>
<div style="text-align: center; display: block; margin-left: 0pt; text-indent: 0pt; margin-right: 0pt"><font style="display: inline; font: 10pt times new roman"><font style="display: inline; font: bold 10pt times new roman">(Level 1)</font></font></div>
</td>
<td nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; text-align: left"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td style="vertical-align: bottom; width: 1%; padding-bottom: 2px"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td colspan="2" style="vertical-align: bottom; width: 10%; border-bottom: black 2px solid"><font style="display: inline; font: 10pt times new roman">  </font>
<div style="text-align: center; display: block; margin-left: 0pt; text-indent: 0pt; margin-right: 0pt"><font style="display: inline; font: 10pt times new roman"><font style="display: inline; font: bold 10pt times new roman">Significant</font></font></div>
<div style="text-align: center; display: block; margin-left: 0pt; text-indent: 0pt; margin-right: 0pt"><font style="display: inline; font: 10pt times new roman"><font style="display: inline; font: bold 10pt times new roman">Other</font></font></div>
<div style="text-align: center; display: block; margin-left: 0pt; text-indent: 0pt; margin-right: 0pt"><font style="display: inline; font: 10pt times new roman"><font style="display: inline; font: bold 10pt times new roman">Observable</font></font></div>
<div style="text-align: center; display: block; margin-left: 0pt; text-indent: 0pt; margin-right: 0pt"><font style="display: inline; font: 10pt times new roman"><font style="display: inline; font: bold 10pt times new roman">Inputs</font></font></div>
<div style="text-align: center; display: block; margin-left: 0pt; text-indent: 0pt; margin-right: 0pt"><font style="display: inline; font: 10pt times new roman"><font style="display: inline; font: bold 10pt times new roman">(Level 2)</font></font></div>
</td>
<td nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; text-align: left"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td style="vertical-align: bottom; width: 1%; padding-bottom: 2px"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td colspan="2" style="vertical-align: bottom; width: 10%; border-bottom: black 2px solid"><font style="display: inline; font: 10pt times new roman">  </font>
<div style="text-align: center; display: block; margin-left: 0pt; text-indent: 0pt; margin-right: 0pt"><font style="display: inline; font: 10pt times new roman"><font style="display: inline; font: bold 10pt times new roman">Significant</font></font></div>
<div style="text-align: center; display: block; margin-left: 0pt; text-indent: 0pt; margin-right: 0pt"><font style="display: inline; font: 10pt times new roman"><font style="display: inline; font: bold 10pt times new roman">Unobservable</font></font></div>
<div style="text-align: center; display: block; margin-left: 0pt; text-indent: 0pt; margin-right: 0pt"><font style="display: inline; font: 10pt times new roman"><font style="display: inline; font: bold 10pt times new roman">Inputs</font></font></div>
<div style="text-align: center; display: block; margin-left: 0pt; text-indent: 0pt; margin-right: 0pt"><font style="display: inline; font: 10pt times new roman"><font style="display: inline; font: bold 10pt times new roman">(Level 3)</font></font></div>
</td>
<td nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; text-align: left"><font style="display: inline; font: 10pt times new roman"> </font></td>
</tr><tr>
<td style="text-align: left; vertical-align: bottom; width: 42%">
<div style="text-align: left; display: block; margin-left: 0pt; text-indent: 0pt; margin-right: 0pt"><font style="display: inline; font: italic bold 10pt times new roman">As of September 30, 2012-</font></div>
</td>
<td style="vertical-align: bottom; width: 1%"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td colspan="2" style="vertical-align: bottom; width: 10%"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td nowrap="nowrap" style="vertical-align: bottom; width: 1%; text-align: left"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td style="vertical-align: bottom; width: 1%"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td colspan="2" style="vertical-align: bottom; width: 10%"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td nowrap="nowrap" style="vertical-align: bottom; width: 1%; text-align: left"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td style="vertical-align: bottom; width: 1%"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td colspan="2" style="vertical-align: bottom; width: 10%"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td nowrap="nowrap" style="vertical-align: bottom; width: 1%; text-align: left"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td style="vertical-align: bottom; width: 1%"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td colspan="2" style="vertical-align: bottom; width: 10%"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td nowrap="nowrap" style="vertical-align: bottom; width: 1%; text-align: left"><font style="display: inline; font: 10pt times new roman"> </font></td>
</tr><tr style="background-color: #cceeff">
<td style="text-align: left; vertical-align: bottom; width: 42%; padding-left: 0pt; padding-bottom: 4px; margin-left: 9pt">
<div style="text-align: left; display: block; margin-left: 9pt; text-indent: 0pt; margin-right: 0pt"><font style="display: inline; font: 10pt times new roman">Mortgage-backed securities</font></div>
</td>
<td style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 4px"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td style="vertical-align: bottom; width: 1%; border-bottom: black 4px double; text-align: left"><font style="display: inline; font: 10pt times new roman">$</font></td>
<td style="vertical-align: bottom; width: 9%; border-bottom: black 4px double; text-align: right"><font style="display: inline; font: 10pt times new roman">21,588</font></td>
<td nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; text-align: left"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 4px"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td style="vertical-align: bottom; width: 1%; border-bottom: black 4px double; text-align: left"><font style="display: inline; font: 10pt times new roman">$</font></td>
<td style="vertical-align: bottom; width: 9%; border-bottom: black 4px double; text-align: right"><font style="display: inline; font: 10pt times new roman">0</font></td>
<td nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; text-align: left"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 4px"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td style="vertical-align: bottom; width: 1%; border-bottom: black 4px double; text-align: left"><font style="display: inline; font: 10pt times new roman">$</font></td>
<td style="vertical-align: bottom; width: 9%; border-bottom: black 4px double; text-align: right"><font style="display: inline; font: 10pt times new roman">21,588</font></td>
<td nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; text-align: left"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 4px"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td style="vertical-align: bottom; width: 1%; border-bottom: black 4px double; text-align: left"><font style="display: inline; font: 10pt times new roman">$</font></td>
<td style="vertical-align: bottom; width: 9%; border-bottom: black 4px double; text-align: right"><font style="display: inline; font: 10pt times new roman">0</font></td>
<td nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; text-align: left"><font style="display: inline; font: 10pt times new roman"> </font></td>
</tr><tr style="background-color: white">
<td style="vertical-align: bottom; width: 42%"><font style="display: inline; font: 10pt times new roman">  </font></td>
<td style="vertical-align: bottom; width: 1%"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td style="vertical-align: bottom; width: 1%; text-align: left"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td style="vertical-align: bottom; width: 9%; text-align: right"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td nowrap="nowrap" style="vertical-align: bottom; width: 1%; text-align: left"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td style="vertical-align: bottom; width: 1%"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td style="vertical-align: bottom; width: 1%; text-align: left"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td style="vertical-align: bottom; width: 9%; text-align: right"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td nowrap="nowrap" style="vertical-align: bottom; width: 1%; text-align: left"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td style="vertical-align: bottom; width: 1%"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td style="vertical-align: bottom; width: 1%; text-align: left"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td style="vertical-align: bottom; width: 9%; text-align: right"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td nowrap="nowrap" style="vertical-align: bottom; width: 1%; text-align: left"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td style="vertical-align: bottom; width: 1%"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td style="vertical-align: bottom; width: 1%; text-align: left"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td style="vertical-align: bottom; width: 9%; text-align: right"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td nowrap="nowrap" style="vertical-align: bottom; width: 1%; text-align: left"><font style="display: inline; font: 10pt times new roman"> </font></td>
</tr><tr style="background-color: #cceeff">
<td style="text-align: left; vertical-align: bottom; width: 42%">
<div style="text-align: left; display: block; margin-left: 0pt; text-indent: 0pt; margin-right: 0pt"><font style="display: inline; font: italic bold 10pt times new roman">As of December 31, 2011-</font></div>
</td>
<td style="vertical-align: bottom; width: 1%"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td style="vertical-align: bottom; width: 1%; text-align: left"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td style="vertical-align: bottom; width: 9%; text-align: right"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td nowrap="nowrap" style="vertical-align: bottom; width: 1%; text-align: left"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td style="vertical-align: bottom; width: 1%"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td style="vertical-align: bottom; width: 1%; text-align: left"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td style="vertical-align: bottom; width: 9%; text-align: right"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td nowrap="nowrap" style="vertical-align: bottom; width: 1%; text-align: left"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td style="vertical-align: bottom; width: 1%"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td style="vertical-align: bottom; width: 1%; text-align: left"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td style="vertical-align: bottom; width: 9%; text-align: right"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td nowrap="nowrap" style="vertical-align: bottom; width: 1%; text-align: left"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td style="vertical-align: bottom; width: 1%"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td style="vertical-align: bottom; width: 1%; text-align: left"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td style="vertical-align: bottom; width: 9%; text-align: right"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td nowrap="nowrap" style="vertical-align: bottom; width: 1%; text-align: left"><font style="display: inline; font: 10pt times new roman"> </font></td>
</tr><tr style="background-color: white">
<td style="text-align: left; vertical-align: bottom; width: 42%; padding-left: 0pt; padding-bottom: 4px; margin-left: 9pt">
<div style="text-align: left; display: block; margin-left: 9pt; text-indent: 0pt; margin-right: 0pt"><font style="display: inline; font: 10pt times new roman">Mortgage-backed securities</font></div>
</td>
<td style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 4px"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td style="vertical-align: bottom; width: 1%; border-bottom: black 4px double; text-align: left"><font style="display: inline; font: 10pt times new roman">$</font></td>
<td style="vertical-align: bottom; width: 9%; border-bottom: black 4px double; text-align: right"><font style="display: inline; font: 10pt times new roman">28,907</font></td>
<td nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; text-align: left"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 4px"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td style="vertical-align: bottom; width: 1%; border-bottom: black 4px double; text-align: left"><font style="display: inline; font: 10pt times new roman">$</font></td>
<td style="vertical-align: bottom; width: 9%; border-bottom: black 4px double; text-align: right"><font style="display: inline; font: 10pt times new roman">0</font></td>
<td nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; text-align: left"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 4px"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td style="vertical-align: bottom; width: 1%; border-bottom: black 4px double; text-align: left"><font style="display: inline; font: 10pt times new roman">$</font></td>
<td style="vertical-align: bottom; width: 9%; border-bottom: black 4px double; text-align: right"><font style="display: inline; font: 10pt times new roman">28,907</font></td>
<td nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; text-align: left"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 4px"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td style="vertical-align: bottom; width: 1%; border-bottom: black 4px double; text-align: left"><font style="display: inline; font: 10pt times new roman">$</font></td>
<td style="vertical-align: bottom; width: 9%; border-bottom: black 4px double; text-align: right"><font style="display: inline; font: 10pt times new roman">0</font></td>
<td nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; text-align: left"><font style="display: inline; font: 10pt times new roman"> </font></td>
</tr></table>
</div>
<div style="display: block; text-indent: 0pt"> </div>
<div style="text-align: center">
<table border="0" cellpadding="0" cellspacing="0" style="width: 100%; font: 10pt times new roman; font-size: 10pt; font-family: times new roman">
<tr style="vertical-align: top">
<td style="width: 27pt">
<div style="margin-left: 0pt; text-indent: 0pt; margin-right: 0pt"><font style="display: inline; font: 10pt times new roman"><font style="display: inline; font-weight: bold"></font></font></div>
</td>
<td>
<div style="text-align: justify"><font style="display: inline; font: 10pt times new roman"><font style="display: inline; font-weight: bold; font-style: italic"></font><font style="display: inline; font-weight: bold"> </font>There were no transfers of securities between levels of inputs for the nine months ended September 30, 2012 and 2011.</font></div>
</td>
</tr></table>
</div>
<div style="display: block; text-indent: 0pt"><br />
</div>
<div style="text-align: center">
<table border="0" cellpadding="0" cellspacing="0" style="width: 100%; font: 10pt times new roman; font-size: 10pt; font-family: times new roman">
<tr style="vertical-align: top">
<td style="width: 68px">
<div><font style="display: inline; font: 10pt times new roman">  </font></div>
</td>
<td style="width: 913px">
<div style="text-align: justify"><font style="display: inline; font: 10pt times new roman">Impaired collateral-dependent loans are carried at fair value when the current collateral value less estimated selling costs is lower than the carrying value of the loan. Those impaired collateral-dependent loans which are measured at fair value on a nonrecurring basis are as follows (in thousands):</font></div>
</td>
</tr></table>
</div>
<div style="display: block; text-indent: 0pt"> </div>
<div style="display: block; text-indent: 0pt">
<div>
<div style="text-align: left">
<div style="text-align: center">
<table cellpadding="0" cellspacing="0" style="width: 90%; font: 10pt times new roman; font-size: 10pt; font-family: times new roman">
<tr>
<td style="text-align: left; vertical-align: bottom; width: 18%"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td style="vertical-align: bottom; width: 1%"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td colspan="2" style="vertical-align: bottom; width: 10%"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td nowrap="nowrap" style="vertical-align: bottom; width: 1%; text-align: left"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td style="vertical-align: bottom; width: 1%"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td colspan="2" style="vertical-align: bottom; width: 10%"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td nowrap="nowrap" style="vertical-align: bottom; width: 1%; text-align: left"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td style="vertical-align: bottom; width: 1%"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td colspan="2" style="vertical-align: bottom; width: 10%"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td nowrap="nowrap" style="vertical-align: bottom; width: 1%; text-align: left"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td style="vertical-align: bottom; width: 1%"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td colspan="2" style="vertical-align: bottom; width: 10%"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td nowrap="nowrap" style="vertical-align: bottom; width: 1%; text-align: left"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td style="vertical-align: bottom; width: 1%"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td colspan="2" style="vertical-align: bottom; width: 10%"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td nowrap="nowrap" style="vertical-align: bottom; width: 1%; text-align: left"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td style="vertical-align: bottom; width: 1%"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td colspan="2" style="vertical-align: bottom; width: 10%"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td nowrap="nowrap" style="vertical-align: bottom; width: 1%; text-align: left"><font style="display: inline; font: 10pt times new roman"> </font></td>
</tr><tr>
<td style="text-align: left; vertical-align: bottom; width: 18%"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td style="vertical-align: bottom; width: 1%"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td colspan="2" style="vertical-align: bottom; width: 10%"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td nowrap="nowrap" style="vertical-align: bottom; width: 1%; text-align: left"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td style="vertical-align: bottom; width: 1%"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td colspan="2" style="vertical-align: bottom; width: 10%"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td nowrap="nowrap" style="vertical-align: bottom; width: 1%; text-align: left"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td style="vertical-align: bottom; width: 1%"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td colspan="2" style="vertical-align: bottom; width: 10%"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td nowrap="nowrap" style="vertical-align: bottom; width: 1%; text-align: left"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td style="vertical-align: bottom; width: 1%"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td colspan="2" style="vertical-align: bottom; width: 10%"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td nowrap="nowrap" style="vertical-align: bottom; width: 1%; text-align: left"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td style="vertical-align: bottom; width: 1%"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td colspan="2" style="vertical-align: bottom; width: 10%"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td nowrap="nowrap" style="vertical-align: bottom; width: 1%; text-align: left"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td style="vertical-align: bottom; width: 1%"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td colspan="2" rowspan="6" style="vertical-align: bottom; width: 10%; border-bottom: black 2px solid; text-align: center">
<div><font style="display: inline; font: 10pt times new roman"> </font><font style="display: inline; font: 10pt times new roman"> <font style="display: inline; font: 10pt times new roman"><font style="display: inline; font: bold 10pt times new roman">Losses</font> </font><font style="display: inline; font: 10pt times new roman"><font style="display: inline; font: bold 10pt times new roman">Recorded in</font> <font style="display: inline; font: bold 10pt times new roman">Operations</font> </font></font></div>
<div><font style="display: inline; font: 10pt times new roman"><font style="display: inline; font: 10pt times new roman"><font style="display: inline; font: bold 10pt times new roman">For the Nine</font> <font style="display: inline; font: bold 10pt times new roman">Months Ended</font> <font style="display: inline; font: bold 10pt times new roman">September 30,</font> </font></font></div>
<div><font style="display: inline; font: 10pt times new roman"><font style="display: inline; font: 10pt times new roman"><font style="display: inline; font: bold 10pt times new roman">2012</font></font></font></div>
</td>
<td nowrap="nowrap" style="vertical-align: bottom; width: 1%; text-align: left"><font style="display: inline; font: 10pt times new roman"> </font></td>
</tr><tr>
<td style="text-align: left; vertical-align: bottom; width: 18%"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td style="vertical-align: bottom; width: 1%"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td colspan="2" style="vertical-align: bottom; width: 10%"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td nowrap="nowrap" style="vertical-align: bottom; width: 1%; text-align: left"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td style="vertical-align: bottom; width: 1%"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td colspan="2" style="vertical-align: bottom; width: 10%"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td nowrap="nowrap" style="vertical-align: bottom; width: 1%; text-align: left"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td style="vertical-align: bottom; width: 1%"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td colspan="2" style="vertical-align: bottom; width: 10%"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td nowrap="nowrap" style="vertical-align: bottom; width: 1%; text-align: left"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td style="vertical-align: bottom; width: 1%"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td colspan="2" style="vertical-align: bottom; width: 10%"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td nowrap="nowrap" style="vertical-align: bottom; width: 1%; text-align: left"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td style="vertical-align: bottom; width: 1%"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td colspan="2" style="vertical-align: bottom; width: 10%"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td nowrap="nowrap" style="vertical-align: bottom; width: 1%; text-align: left"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td style="vertical-align: bottom; width: 1%"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td nowrap="nowrap" style="vertical-align: bottom; width: 1%; text-align: left"><font style="display: inline; font: 10pt times new roman"> </font></td>
</tr><tr>
<td style="text-align: left; vertical-align: bottom; width: 18%"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td style="vertical-align: bottom; width: 1%"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td colspan="2" style="vertical-align: bottom; width: 10%"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td nowrap="nowrap" style="vertical-align: bottom; width: 1%; text-align: left"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td style="vertical-align: bottom; width: 1%"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td colspan="2" style="vertical-align: bottom; width: 10%"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td nowrap="nowrap" style="vertical-align: bottom; width: 1%; text-align: left"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td style="vertical-align: bottom; width: 1%"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td colspan="2" style="vertical-align: bottom; width: 10%"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td nowrap="nowrap" style="vertical-align: bottom; width: 1%; text-align: left"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td style="vertical-align: bottom; width: 1%"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td colspan="2" style="vertical-align: bottom; width: 10%"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td nowrap="nowrap" style="vertical-align: bottom; width: 1%; text-align: left"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td style="vertical-align: bottom; width: 1%"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td colspan="2" style="vertical-align: bottom; width: 10%"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td nowrap="nowrap" style="vertical-align: bottom; width: 1%; text-align: left"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td style="vertical-align: bottom; width: 1%"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td nowrap="nowrap" style="vertical-align: bottom; width: 1%; text-align: left"><font style="display: inline; font: 10pt times new roman"> </font></td>
</tr><tr>
<td style="text-align: left; vertical-align: bottom; width: 18%"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td style="vertical-align: bottom; width: 1%"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td colspan="2" style="vertical-align: bottom; width: 10%"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td nowrap="nowrap" style="vertical-align: bottom; width: 1%; text-align: left"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td style="vertical-align: bottom; width: 1%"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td colspan="2" style="vertical-align: bottom; width: 10%"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td nowrap="nowrap" style="vertical-align: bottom; width: 1%; text-align: left"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td style="vertical-align: bottom; width: 1%"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td colspan="2" style="vertical-align: bottom; width: 10%"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td nowrap="nowrap" style="vertical-align: bottom; width: 1%; text-align: left"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td style="vertical-align: bottom; width: 1%"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td colspan="2" style="vertical-align: bottom; width: 10%"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td nowrap="nowrap" style="vertical-align: bottom; width: 1%; text-align: left"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td style="vertical-align: bottom; width: 1%"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td colspan="2" style="vertical-align: bottom; width: 10%"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td nowrap="nowrap" style="vertical-align: bottom; width: 1%; text-align: left"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td style="vertical-align: bottom; width: 1%"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td nowrap="nowrap" style="vertical-align: bottom; width: 1%; text-align: left"><font style="display: inline; font: 10pt times new roman"> </font></td>
</tr><tr>
<td style="text-align: left; vertical-align: bottom; width: 18%"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td style="vertical-align: bottom; width: 1%"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td colspan="18" style="vertical-align: bottom; width: 58%; border-bottom: black 2px solid">
<div style="text-align: center; display: block; margin-left: 0pt; text-indent: 0pt; margin-right: 0pt"><font style="display: inline; font: 10pt times new roman"><font style="display: inline; font: 10pt times new roman"><font style="display: inline; font: bold 10pt times new roman">At September 30, 2012</font></font></font></div>
</td>
<td nowrap="nowrap" style="vertical-align: bottom; width: 1%; text-align: left"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td style="vertical-align: bottom; width: 1%"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td nowrap="nowrap" style="vertical-align: bottom; width: 1%; text-align: left"><font style="display: inline; font: 10pt times new roman"> </font></td>
</tr><tr>
<td style="text-align: left; vertical-align: bottom; width: 18%; padding-bottom: 2px"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td style="vertical-align: bottom; width: 1%; padding-bottom: 2px"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td colspan="2" style="vertical-align: bottom; width: 10%; border-bottom: black 2px solid; text-align: center">
<div style="text-align: center"><font style="display: inline; font: 10pt times new roman"> <font style="display: inline; font: bold 10pt times new roman">Fair</font></font></div>
<div style="text-align: center"><font style="display: inline; font: 10pt times new roman"><font style="display: inline; font: 10pt times new roman"><font style="display: inline; font: bold 10pt times new roman">Value</font></font></font></div>
</td>
<td nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; text-align: left"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td style="vertical-align: bottom; width: 1%; padding-bottom: 2px"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td colspan="2" style="vertical-align: bottom; width: 10%; border-bottom: black 2px solid"><font style="display: inline; font: 10pt times new roman">  </font>
<div style="text-align: center; display: block; margin-left: 0pt; text-indent: 0pt; margin-right: 0pt"><font style="display: inline; font: 10pt times new roman"><font style="display: inline; font: 10pt times new roman"><font style="display: inline; font: bold 10pt times new roman">Level 1</font></font></font></div>
</td>
<td nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; text-align: left"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td style="vertical-align: bottom; width: 1%; padding-bottom: 2px"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td colspan="2" style="vertical-align: bottom; width: 10%; border-bottom: black 2px solid">
<div style="text-align: center; display: block; margin-left: 0pt; text-indent: 0pt; margin-right: 0pt"><font style="display: inline; font: 10pt times new roman"><font style="display: inline; font: 10pt times new roman"><font style="display: inline; font: bold 10pt times new roman">Level 2</font></font></font></div>
</td>
<td nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; text-align: left"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td style="vertical-align: bottom; width: 1%; padding-bottom: 2px"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td colspan="2" style="vertical-align: bottom; width: 10%; border-bottom: black 2px solid">
<div style="text-align: center; display: block; margin-left: 0pt; text-indent: 0pt; margin-right: 0pt"><font style="display: inline; font: 10pt times new roman"><font style="display: inline; font: 10pt times new roman"><font style="display: inline; font: bold 10pt times new roman">Level 3</font></font></font></div>
</td>
<td nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; text-align: left"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td style="vertical-align: bottom; width: 1%; padding-bottom: 2px"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td colspan="2" style="vertical-align: bottom; width: 10%; border-bottom: black 2px solid">
<div style="text-align: center; display: block; margin-left: 0pt; text-indent: 0pt; margin-right: 0pt"><font style="display: inline; font: 10pt times new roman"><font style="display: inline; font: 10pt times new roman"><font style="display: inline; font: bold 10pt times new roman">Total</font></font></font></div>
<div style="text-align: center; display: block; margin-left: 0pt; text-indent: 0pt; margin-right: 0pt"><font style="display: inline; font: 10pt times new roman"><font style="display: inline; font: 10pt times new roman"><font style="display: inline; font: bold 10pt times new roman">Losses</font></font></font></div>
</td>
<td nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; text-align: left"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td style="vertical-align: bottom; width: 1%; padding-bottom: 2px"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; text-align: left"><font style="display: inline; font: 10pt times new roman"> </font></td>
</tr><tr style="background-color: white">
<td style="text-align: left; vertical-align: bottom; width: 18%"><font style="display: inline; font: 10pt times new roman">Residential real estate- </font></td>
<td style="text-align: left; vertical-align: bottom; width: 1%"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td style="vertical-align: bottom; width: 1%; text-align: left"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td style="vertical-align: bottom; width: 9%; text-align: right"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td nowrap="nowrap" style="vertical-align: bottom; width: 1%; text-align: left"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td style="text-align: left; vertical-align: bottom; width: 1%"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td style="vertical-align: bottom; width: 1%; text-align: left"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td style="vertical-align: bottom; width: 9%; text-align: right"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td nowrap="nowrap" style="vertical-align: bottom; width: 1%; text-align: left"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td style="text-align: left; vertical-align: bottom; width: 1%"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td style="vertical-align: bottom; width: 1%; text-align: left"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td style="vertical-align: bottom; width: 9%; text-align: right"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td nowrap="nowrap" style="vertical-align: bottom; width: 1%; text-align: left"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td style="text-align: left; vertical-align: bottom; width: 1%"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td style="vertical-align: bottom; width: 1%; text-align: left"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td style="vertical-align: bottom; width: 9%; text-align: right"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td nowrap="nowrap" style="vertical-align: bottom; width: 1%; text-align: left"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td style="text-align: left; vertical-align: bottom; width: 1%"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td style="vertical-align: bottom; width: 1%; text-align: left"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td style="vertical-align: bottom; width: 9%; text-align: right"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td nowrap="nowrap" style="vertical-align: bottom; width: 1%; text-align: left"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td style="text-align: left; vertical-align: bottom; width: 1%"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td style="vertical-align: bottom; width: 1%; text-align: left"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td style="vertical-align: bottom; width: 9%; text-align: right"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td nowrap="nowrap" style="vertical-align: bottom; width: 1%; text-align: left"><font style="display: inline; font: 10pt times new roman"> </font></td>
</tr><tr style="background-color: #cceeff">
<td style="text-align: left; vertical-align: bottom; width: 18%">
<div style="text-align: left; display: block; margin-left: 0pt; text-indent: 0pt; margin-right: 0pt">
<div style="text-align: left; display: block; margin-left: 18pt; text-indent: -9pt; margin-right: 0pt"><font style="display: inline; font: 10pt times new roman">Closed-end first mortgages</font></div>
</div>
</td>
<td style="text-align: left; vertical-align: bottom; width: 1%"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td style="vertical-align: bottom; width: 1%; text-align: left"><font style="display: inline; font: 10pt times new roman">$</font></td>
<td style="vertical-align: bottom; width: 9%; text-align: right"><font style="display: inline; font: 10pt times new roman">1,294</font></td>
<td nowrap="nowrap" style="vertical-align: bottom; width: 1%; text-align: left"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td style="text-align: left; vertical-align: bottom; width: 1%"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td style="vertical-align: bottom; width: 1%; text-align: left"><font style="display: inline; font: 10pt times new roman">$</font></td>
<td style="vertical-align: bottom; width: 9%; text-align: right"><font style="display: inline; font: 10pt times new roman">0</font></td>
<td nowrap="nowrap" style="vertical-align: bottom; width: 1%; text-align: left"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td style="text-align: left; vertical-align: bottom; width: 1%"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td style="vertical-align: bottom; width: 1%; text-align: left"><font style="display: inline; font: 10pt times new roman">$</font></td>
<td style="vertical-align: bottom; width: 9%; text-align: right"><font style="display: inline; font: 10pt times new roman">0</font></td>
<td nowrap="nowrap" style="vertical-align: bottom; width: 1%; text-align: left"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td style="text-align: left; vertical-align: bottom; width: 1%"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td style="vertical-align: bottom; width: 1%; text-align: left"><font style="display: inline; font: 10pt times new roman">$</font></td>
<td style="vertical-align: bottom; width: 9%; text-align: right"><font style="display: inline; font: 10pt times new roman">1,294</font></td>
<td nowrap="nowrap" style="vertical-align: bottom; width: 1%; text-align: left"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td style="text-align: left; vertical-align: bottom; width: 1%"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td style="vertical-align: bottom; width: 1%; text-align: left"><font style="display: inline; font: 10pt times new roman">$</font></td>
<td style="vertical-align: bottom; width: 9%; text-align: right"><font style="display: inline; font: 10pt times new roman">451</font></td>
<td nowrap="nowrap" style="vertical-align: bottom; width: 1%; text-align: left"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td style="text-align: left; vertical-align: bottom; width: 1%"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td style="vertical-align: bottom; width: 1%; text-align: left"><font style="display: inline; font: 10pt times new roman">$</font></td>
<td style="vertical-align: bottom; width: 9%; text-align: right"><font style="display: inline; font: 10pt times new roman">0</font></td>
<td nowrap="nowrap" style="vertical-align: bottom; width: 1%; text-align: left"><font style="display: inline; font: 10pt times new roman"> </font></td>
</tr><tr style="background-color: white">
<td style="text-align: left; vertical-align: bottom; width: 18%">
<div style="text-align: left; display: block; margin-left: 0pt; text-indent: 0pt; margin-right: 0pt"><font style="display: inline; font: 10pt times new roman">Commercial real estate:</font></div>
</td>
<td style="vertical-align: bottom; width: 1%"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td style="vertical-align: bottom; width: 1%; text-align: left"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td style="vertical-align: bottom; width: 9%; text-align: right"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td nowrap="nowrap" style="vertical-align: bottom; width: 1%; text-align: left"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td style="vertical-align: bottom; width: 1%"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td style="vertical-align: bottom; width: 1%; text-align: left"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td style="vertical-align: bottom; width: 9%; text-align: right"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td nowrap="nowrap" style="vertical-align: bottom; width: 1%; text-align: left"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td style="vertical-align: bottom; width: 1%"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td style="vertical-align: bottom; width: 1%; text-align: left"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td style="vertical-align: bottom; width: 9%; text-align: right"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td nowrap="nowrap" style="vertical-align: bottom; width: 1%; text-align: left"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td style="vertical-align: bottom; width: 1%"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td style="vertical-align: bottom; width: 1%; text-align: left"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td style="vertical-align: bottom; width: 9%; text-align: right"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td nowrap="nowrap" style="vertical-align: bottom; width: 1%; text-align: left"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td style="vertical-align: bottom; width: 1%"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td style="vertical-align: bottom; width: 1%; text-align: left"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td style="vertical-align: bottom; width: 9%; text-align: right"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td nowrap="nowrap" style="vertical-align: bottom; width: 1%; text-align: left"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td style="vertical-align: bottom; width: 1%"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td style="vertical-align: bottom; width: 1%; text-align: left"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td style="vertical-align: bottom; width: 9%; text-align: right"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td nowrap="nowrap" style="vertical-align: bottom; width: 1%; text-align: left"><font style="display: inline; font: 10pt times new roman"> </font></td>
</tr><tr style="background-color: #cceeff">
<td style="text-align: left; vertical-align: bottom; width: 18%; padding-left: 0pt; margin-left: 9pt">
<div style="text-align: left; display: block; margin-left: 9pt; text-indent: 0pt; margin-right: 0pt"><font style="display: inline; font: 10pt times new roman">Non-owner-occupied</font></div>
</td>
<td style="text-align: left; vertical-align: bottom; width: 1%"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td style="vertical-align: bottom; width: 1%; text-align: left"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td style="vertical-align: bottom; width: 9%; text-align: right"><font style="display: inline; font: 10pt times new roman">8,997</font></td>
<td nowrap="nowrap" style="vertical-align: bottom; width: 1%; text-align: left"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td style="text-align: left; vertical-align: bottom; width: 1%"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td style="vertical-align: bottom; width: 1%; text-align: left"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td style="vertical-align: bottom; width: 9%; text-align: right"><font style="display: inline; font: 10pt times new roman">0</font></td>
<td nowrap="nowrap" style="vertical-align: bottom; width: 1%; text-align: left"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td style="text-align: left; vertical-align: bottom; width: 1%"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td style="vertical-align: bottom; width: 1%; text-align: left"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td style="vertical-align: bottom; width: 9%; text-align: right"><font style="display: inline; font: 10pt times new roman">0</font></td>
<td nowrap="nowrap" style="vertical-align: bottom; width: 1%; text-align: left"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td style="text-align: left; vertical-align: bottom; width: 1%"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td style="vertical-align: bottom; width: 1%; text-align: left"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td style="vertical-align: bottom; width: 9%; text-align: right"><font style="display: inline; font: 10pt times new roman">8,997</font></td>
<td nowrap="nowrap" style="vertical-align: bottom; width: 1%; text-align: left"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td style="text-align: left; vertical-align: bottom; width: 1%"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td style="vertical-align: bottom; width: 1%; text-align: left"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td style="vertical-align: bottom; width: 9%; text-align: right"><font style="display: inline; font: 10pt times new roman">2,484</font></td>
<td nowrap="nowrap" style="vertical-align: bottom; width: 1%; text-align: left"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td style="text-align: left; vertical-align: bottom; width: 1%"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td style="vertical-align: bottom; width: 1%; text-align: left"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td style="vertical-align: bottom; width: 9%; text-align: right"><font style="display: inline; font: 10pt times new roman">0</font></td>
<td nowrap="nowrap" style="vertical-align: bottom; width: 1%; text-align: left"><font style="display: inline; font: 10pt times new roman"> </font></td>
</tr><tr style="background-color: white">
<td style="text-align: left; vertical-align: bottom; width: 18%; padding-bottom: 2px">
<div style="text-align: left; display: block; margin-left: 0pt; text-indent: 0pt; margin-right: 0pt"><font style="display: inline; font: 10pt times new roman">Land and construction</font></div>
</td>
<td style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td style="vertical-align: bottom; width: 1%; border-bottom: black 2px solid; text-align: left"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td style="vertical-align: bottom; width: 9%; border-bottom: black 2px solid; text-align: right"><font style="display: inline; font: 10pt times new roman">905</font></td>
<td nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; text-align: left"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td style="vertical-align: bottom; width: 1%; border-bottom: black 2px solid; text-align: left"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td style="vertical-align: bottom; width: 9%; border-bottom: black 2px solid; text-align: right"><font style="display: inline; font: 10pt times new roman">0</font></td>
<td nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; text-align: left"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td style="vertical-align: bottom; width: 1%; border-bottom: black 2px solid; text-align: left"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td style="vertical-align: bottom; width: 9%; border-bottom: black 2px solid; text-align: right"><font style="display: inline; font: 10pt times new roman">0</font></td>
<td nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; text-align: left"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td style="vertical-align: bottom; width: 1%; border-bottom: black 2px solid; text-align: left"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td style="vertical-align: bottom; width: 9%; border-bottom: black 2px solid; text-align: right"><font style="display: inline; font: 10pt times new roman">905</font></td>
<td nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; text-align: left"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td style="vertical-align: bottom; width: 1%; border-bottom: black 2px solid; text-align: left"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td style="vertical-align: bottom; width: 9%; border-bottom: black 2px solid; text-align: right"><font style="display: inline; font: 10pt times new roman">449</font></td>
<td nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; text-align: left"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td style="vertical-align: bottom; width: 1%; border-bottom: black 2px solid; text-align: left"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td style="vertical-align: bottom; width: 9%; border-bottom: black 2px solid; text-align: right"><font style="display: inline; font: 10pt times new roman">0</font></td>
<td nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; text-align: left"><font style="display: inline; font: 10pt times new roman"> </font></td>
</tr><tr style="background-color: #cceeff">
<td style="vertical-align: bottom; width: 18%"><font style="display: inline; font: 10pt times new roman">  </font></td>
<td style="vertical-align: bottom; width: 1%"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td style="vertical-align: bottom; width: 1%; text-align: left"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td style="vertical-align: bottom; width: 9%; text-align: right"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td nowrap="nowrap" style="vertical-align: bottom; width: 1%; text-align: left"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td style="vertical-align: bottom; width: 1%"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td style="vertical-align: bottom; width: 1%; text-align: left"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td style="vertical-align: bottom; width: 9%; text-align: right"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td nowrap="nowrap" style="vertical-align: bottom; width: 1%; text-align: left"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td style="vertical-align: bottom; width: 1%"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td style="vertical-align: bottom; width: 1%; text-align: left"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td style="vertical-align: bottom; width: 9%; text-align: right"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td nowrap="nowrap" style="vertical-align: bottom; width: 1%; text-align: left"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td style="vertical-align: bottom; width: 1%"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td style="vertical-align: bottom; width: 1%; text-align: left"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td style="vertical-align: bottom; width: 9%; text-align: right"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td nowrap="nowrap" style="vertical-align: bottom; width: 1%; text-align: left"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td style="vertical-align: bottom; width: 1%"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td style="vertical-align: bottom; width: 1%; text-align: left"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td style="vertical-align: bottom; width: 9%; text-align: right"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td nowrap="nowrap" style="vertical-align: bottom; width: 1%; text-align: left"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td style="vertical-align: bottom; width: 1%"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td style="vertical-align: bottom; width: 1%; text-align: left"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td style="vertical-align: bottom; width: 9%; text-align: right"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td nowrap="nowrap" style="vertical-align: bottom; width: 1%; text-align: left"><font style="display: inline; font: 10pt times new roman"> </font></td>
</tr><tr style="background-color: white">
<td style="vertical-align: bottom; width: 18%; padding-bottom: 4px"><font style="display: inline; font: 10pt times new roman">  </font></td>
<td style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 4px"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td style="vertical-align: bottom; width: 1%; border-bottom: black 4px double; text-align: left"><font style="display: inline; font: 10pt times new roman">$</font></td>
<td style="vertical-align: bottom; width: 9%; border-bottom: black 4px double; text-align: right"><font style="display: inline; font: 10pt times new roman">11,196</font></td>
<td nowrap="nowrap" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; text-align: left"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 4px"><font style="display: inline; font: 10pt times new roman"> </font></td>
<td style="vertical-align: bottom; width: 1%; border-bottom: black 4px double; text-align: left"><font style="display: inline; font: